Podcasts about The Bahamas

This week on Ask, Tell, Confess: Bunnie hesitates before swimming with pigs in the Bahamas, the gals discuss what they've found looking into their family tree, and a former stripper shares her milky secrets. Also, Meme's daughter takes a selfie that has everyone dead. Watch Full Episodes & More:www.dumbblondeunrated.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of The Entrepreneurial You, host Heneka Watkis-Porter sits down with Brian Childress, a seasoned technologist, fractional CTO, and thought leader in secure and scalable tech development. Brian shares practical strategies for maintaining innovation while protecting digital assets—highlighting how efficiency and security can coexist in today's fast-moving tech landscape. Balancing Efficiency and Security in Tech Brian and Heneka explore how startups and tech leaders often struggle to strike the right balance between speed and safety. Brian cautions against the trap of perfectionism, encouraging founders to launch with a minimum viable product (MVP) and refine based on customer feedback. He emphasises that efficiency doesn't mean cutting corners—especially in the age of AI where machine-generated code must still meet rigorous security standards. He reminds listeners that prioritising user trust early on leads to long-term gains. Mentorship and AI's Role in Developer Growth Brian also delves into the critical role of mentorship in building effective and resilient tech teams. He believes mentorship should be embedded into company culture, helping developers grow in tandem with the technology they build. On the topic of AI, Brian sees it not as a job replacer but a powerful accelerator—comparing its trajectory to the evolution from horse-drawn carts to space travel. Heneka echoes this optimism, noting how AI, when harnessed responsibly, can unlock massive potential in tech careers. What You'll Learn in This Episode: • Why MVPs are essential for balancing speed with quality • How to integrate security without slowing down innovation • The role of mentorship in growing tech teams • The true impact of AI on software development careers • How fractional CTO services can accelerate business growth • Strategies for maintaining a secure yet agile development environment • Why responsible tech leadership is key in today's AI-driven world COMMUNITY CONNECTION: Now, it's time to connect with you, our amazing listeners! Are you ready to be inspired, network, and sharpen your leadership edge? This fall, we're hosting Leadercast Kingston in October—Jamaica's premier leadership conference, bringing together world-class speakers and regional change-makers. Then, in November, come aboard the LeadHerShip Cruise on Royal Caribbean's Liberty of the Seas, where leadership and leisure meet amidst the beauty of the Bahamas. Just imagine: workshops at sunrise, networking under the stars, and the energy of ambitious professionals coming together! Want to learn more? Text or WhatsApp 876-849-2571, or email heneka@henekawatkisporter.com. And don't forget—your feedback and questions are always welcome. This is your community, and your voice matters! CONTACT BRIAN CHILDRESS: LinkedIn: https://www.linkedin.com/in/brian-childress Website: https://brianchildress.co/ GIVE-AWAY: 30 minute technical advisory session, $250 value OR Technical Due Diligence Playbook, 40+ pages of questions and templates TRENDING NOW: Cybercrime is expected to cost businesses over $10 trillion annually by 2025—making secure systems more critical than ever. At the same time, companies that prioritize developer efficiency see a 30% faster time-to-market, giving them a significant competitive edge. If you enjoyed this episode of The Entrepreneurial You, subscribe on Spotify and Apple Podcasts, leave a rating, and share it with your friends. Visit henekawatkisporter.com to download a free eBook on how to conduct podcast interviews like a pro! AFFIRM WITH ME: I am a visionary technology leader who creates secure and efficient solutions. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we cover.. new taxation from the Bahamas a "Supreme" announcement about Royal Caribbean's "Star of the Seas" A legendary cruise executive retires...for real this time Carnival releases its new commandments much, much more

Wenn aus dem großen Traum ein Albtraum wird. Es sollte das Abenteuer ihres Lebens werden. Im Herbst 1961 packt die fünfköpfige Duperrault-Familie aus Wisconsin ihre Sachen und lässt ihr komfortables Leben ins Wisconsin hinter sich. Mehrere Monate wollen Arthur und seine Frau Jean mit ihren drei Kindern, Brian, Terry Jo und René auf einem Segelboot die Welt erkunden. Als Auftakt steht ein 1-wöchiger Segeltörn auf den Bahamas an. Mit dabei ist das frisch-vermählte Ehepaar Julian Harvey und Mary Dene. Doch 5 Tage, nachdem die Bluebelle den Hafen von Fort Lauderdale in Florida verlässt, kommt es zur Katastrophe. Das Geheimnis, was auf der Bluebelle wirklich passiert wird, wird am Ende durch eine unerwartete Zeugin gelüftet- und ihre Geschichte erschüttert und berührt das ganze Land. Inhaltswarnungen: Suizid (explizit), Krieg, explizite Gewalt, Tod Minderjähriger Ob der Fall gelöst oder ungelöst ist seht ihr ganz unten in der Folgenbeschreibung: N= nicht gelöst, G = Gelöst.SHOWNOTES:REISE IN DEN TOD - YAYHört rein bei Reise in den Tod, den Podcast, in dem es um Verbrechen geht, die beim Urlaub oder Reisen geschehen sind. Ab dem 13.02 mit uns als Host - exklusiv bei Podimo. Reisefails könnt ihr an folgende Emailadresse schicken: reiseindentod@gmail.comÜber diesen Link könnt ihr Podimo kostenfrei testen: https://podimo.de/reiseindentod - schlagt zu :)Vielen Dank an unsere heutigen Werbepartner!Bookbeat:Mit unserem Code crime könnt ihr Bookbeat jetzt 90 Tage lang kostenlos testen und 1 Million Hörbücher und E-Books entdecken.Unser Link: bookbeat.com/de/crimeBetterhelp:Unsere Hörer:innen erhalten 10 % Rabatt auf den ersten Monat unter BetterHelp.com/PUPPIES.Hier findet ihr alle Links zu unseren aktuellen Werbepartnern, Rabatten und Codes:https://linktr.ee/puppiesandcrimeEmpfehlungen:Amanda: Storyteller Spiel gefunden bei NetflixMarieke: Frische ErbsenSOCIAL MEDIAInstagram: @Puppiesandcrime - https://www.instagram.com/puppiesandcrime/?hl=deTiktok: @puppiesandcrime.podcast - https://www.tiktok.com/@puppiesandcrime.podcastFacebook: https://www.facebook.com/PuppiesandCrimeEmail: puppiesandcrime@gmail.com------- G --------- Hosted on Acast. See acast.com/privacy for more information.

Welcome to the Resilient Women series on the Relatable Voice podcast.  In this episode, we welcome the remarkable Diane Christiansen—a woman whose life reads like a Hollywood script. From her early days as a showgirl to her time as a clothing designer, Playboy Bunny, actress, and now a respected acting coach and author of The Last Real Showgirl, Diane's journey is as dazzling as it is inspiring. She left Illinois at just 17 and went on to perform on the world's most glamorous stages—from Paris and the Bahamas to Las Vegas. Today, we explore not just the roles she's played, but the woman behind them all: the resilient, ever-evolving spirit who navigated each chapter with grace and grit. Find out more at: https://www.christiansenactingacademy.com/ 

Try MyHeritage: https://bit.ly/MatthewCox and use the code MATTCOX to get %10 off. And as a bonus, you will receive a free 30-day trial for MyHeritage's family tree history research feature. Just a reminder the legendary Chuck Norris is a whopping 84 years old and yet has MORE energy than most of us — he discovered he could create dramatic changes to his health simply focusing on 3 things that sabotage our body as we age. Watch his method by clicking the link in the description box here: https://ChuckDefense.com/Matt A seemingly legitimate business trip to the Bahamas turned into a legal nightmare when a family-run talent event was misclassified as unauthorized work, leading to arrest, detainment, and a stint in the notoriously harsh Fox Hill prison for Terry Foster. Despite assurances from officials and extensive efforts to follow the rules, the situation spiraled due to local corruption, miscommunication, and systemic failures.Connect with TerryTV Show: https://wvexplorershow.comYouTube: https://www.youtube.com/wvexplorerFacebook: https://www.facebook.com/terry.foster.714655/about_life_eventsGet 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7Send me an email here: insidetruecrime@gmail.comDo you extra clips and behind the scenes content?Subscribe to my Patreon: https://patreon.com/InsideTrueCrime Follow me on all socials!Instagram: https://www.instagram.com/insidetruecrime/TikTok: https://www.tiktok.com/@matthewcoxtruecrimeDo you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopartListen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox Check out my true crime books! Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCFBent: https://www.amazon.com/dp/B0BV4GC7TMIt's Insanity: https://www.amazon.com/dp/B08KFYXKK8Devil Exposed: https://www.amazon.com/dp/B08TH1WT5GDevil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438The Program: https://www.amazon.com/dp/B0858W4G3KBailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1Checkout my disturbingly twisted satiric novel!Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WXIf you would like to support me directly, I accept donations here:Paypal: https://www.paypal.me/MattCox69Cashapp: $coxcon69

Living from the heart is one of the most courageous things we can do. A healthy heart chakra brings about grace, strength and impenetrable boundaries. In today's episode, Katie shares ancient Tantric wisdom and modern scientific findings to help you understand the chakra system and tap into its immense power! Do you want to be guided through energetic practices for clearing, opening and awakening the heart chakra? This episode is part of a recent live workshop taught by Katie in our Spirit Sessions membership. To watch the full workshop replay with guided meditations AND join us for a LIVE for the next chakra system workshop, click here to join for just $28 a month! In this episode about the heart chakra, you'll hear: ~ The message and wisdom of the heart ~ The biggest heart chakra = the most powerful person in the room ~ A review of the first, second and third chakras ~ How our experiences are processed through the chakra system ~ Why many people stuck in the first three chakras ~ Growing and strengthening your heart chakra ~ How our magnetic fields influence each other ~ Important scientific discoveries about the heart ~ The heart as a primary nervous system organizer ~ The HeartMath Institute's Inner Balance Coherence Plus ~ Image of the biomagnetic heart field that Katie references ~ The connection between the heart chakra, the thymus gland and Shiva Rudra ~ Reigniting the thymus gland to improve immunity ~ How to know if you're living from the heart ~ Why true forgiveness of self and others is an inside job ~ Sign up for our free Women's Wisdom and Ayurveda mini-course! Other resources related to this episode: ~ Learn more about Ayurveda School ~ 2025 Chakra Yoga Nidra Workshop: Study with Katie and other luminary teachers this fall in the Bahamas! ~ 2026 Chakra Yoga Nidra Retreat: Deep dive into the chakras with Katie as your guide in the beautiful Bahamas in spring 2026! ~ Follow us on Instagram and Facebook ~ Katie's latest book, Glow-Worthy Get the full show notes here: www.TheShaktiSchool.com/podcast/

Me colé en un lugar que redefine el diseño rural de lujo... y no puedo dejar de contártelo. Soy Miriam Prada, diseñadora y amante del interiorismo que emociona, y hoy te traigo un viaje sonoro a Soho Farmhouse, una joya del diseño contemporáneo británico en plena campiña inglesa. Este episodio es una exploración íntima y profesional de cómo transformar una granja en un club privado de alto nivel, sin perder su esencia rural. Te cuento por qué cada detalle importa, desde el check-in en un Porsche hasta interruptores perfectamente elegidos. Hablamos de coherencia estética, branding sensorial y cómo el diseño puede ser una herramienta de marketing silenciosa pero poderosa. Si te interesa el interiorismo, la experiencia de marca o simplemente te encanta descubrir lugares únicos y bien pensados, este episodio te va a enamorar. https://www.sohohouse.com/houses/soho-farmhouse  Gracias por darle al play. Miriam Prada Un poco sobre mí... Soy Ingeniera de la Edificación y diseñadora de interiores, me he especializado en proyectos de alta gama. Con 15 años de experiencia en la industria del diseño, he tenido el privilegio de colaborar con una amplia gama de clientes, incluyendo promotores, constructores, agentes de la propiedad inmobiliaria, empresarios y clientes privados. He completado con éxito más de 25 proyectos en siete países diferentes (España, Reino Unido, Bahréin, India, Bahamas, Turks and Caicos, y Suiza) y he tenido el placer de trabajar con clientes de 11 nacionalidades. Mi proyecto de más valía hasta la fecha supera los 50 millones de libras, y uno de mis logros más destacados fue el diseño de una promoción de 16 apartamentos, donde el ático se posicionó con un récord histórico como el piso de un dormitorio mejor pagado por metro cuadrado en la historia de Westminster, Londres. Actualmente vivo en Londres y continúo trabajando en múltiples proyectos locales e internacionales. Aprovechando las capacidades del mundo digital, he producido y lanzado este podcast, "Atelier Prada", donde, de manera distendida y coloquial, abordo diferentes temas del mundo del interior con el objetivo de compartir parte del conocimiento que he adquirido durante estos años cada semana.  Para obtener más inspiración en diseño de interiores   www.miriamprada.com https://miriamprada.com/podcasts/ https://www.youtube.com/@miriamprada https://www.instagram.com/miriamprada_interior https://www.tiktok.com/@miriamprada_interior    Aviso legal: Nadie patrocina este PODCAST. Todas las opiniones y puntos de vista son míos  #InteriorismoConAlma #SohoFarmhouse #SohoHouseStyle #DiseñoBritánico #ArquitecturaRural #LuxuryDesign #InteriorismoDeLujo #ClubPrivado #MiriamPradaPodcast #EspaciosQueInspiran 

Episode 163 - What would it take for you to completely reimagine your family's life? For Brandon and Amber Morse, it happened around a campfire in the mountains of Idaho when they asked themselves a simple yet profound question: what if we could break free from the daily grind and truly connect as a family?That conversation led them to sell nearly everything they owned, pull their four children from traditional school, and embark on an adventure that began in an RV and evolved into living full-time aboard a catamaran sailing through the Caribbean. With zero sailing experience and plenty of well-meaning skeptics, the Morris family pushed past their fears to create an extraordinary life on the water.Their journey hasn't been without challenges. From freezing temperatures with no heat during their first month aboard to navigating medical emergencies in remote locations, the learning curve has been steep. As Brandon describes it, "The lows are low, but the highs are incredibly high." Those highs include dolphins swimming alongside their children, spearfishing for dinner, and watching the sunset from anchorages few travelers ever experience.What's most remarkable about their story is how their children have transformed. Their oldest daughter, initially devastated to leave her competitive dance career, became an accomplished free diver reaching depths of over 70 feet. Their naturally shy daughter now confidently speaks with people from around the world. As Amber notes, "Kids are way more resilient than we give them credit for – all they really need is loving parents and a good household environment."Now approaching their fourth year of boat life and having visited 21 countries throughout the Caribbean, the Morse family is considering how to help other families make similar transitions. They've discovered that courage begets courage – each step outside their comfort zone has prepared them for the next adventure.Whether you dream of sailing away or simply creating more meaningful family connections, this conversation will inspire you to question conventional wisdom about what makes a good life. Follow their continuing journey on Instagram at @_everydaysaturday or check out their website www.everydaysaturday.com.Visit LandPirate.com to get your gear that has you, the adventurer, in mind. Use the code "Journey with Jake" to get an additional 15% off at check out. Visit geneticinsights.co and use the code "DISCOVER25" to enjoy a sweet 25% off your first purchase.

Welcome to the daily304 – your window into Wonderful, Almost Heaven, West Virginia. Today is Thursday, June 5, 2025.     #1 – From MY BUCKHANNON As honeybee swarm season begins, the West Virginia Department of Agriculture is sharing hive maintenance tips, safety advice, and removal services to help residents manage bee encounters and support pollinator health.  Read more: https://www.mybuckhannon.com/have-you-heard-the-buzz-state-expert-shares-honeybee-swarm-safety-tips-and-fun-facts/     #2 – From WEST VIRGINIA DEPARTMENT OF COMMERCE The West Virginia Department of Commerce has released a new video titled "Why West Virginia," highlighting the state's business-friendly environment, skilled workforce, and quality of life. The video showcases testimonials from business leaders and entrepreneurs who have found success in the Mountain State. Watch the video:     #3 – From GATC HEALTH GATC Health Corporation led presentations recently at the recent Pet Stem Cell Conference, hosted by DLEAP, held recently in Nassau, Bahamas. Their presentations were part of GATC Health's broader initiative to bring visibility to advanced technologies that aim to replace animal testing with human-relevant, AI-driven solutions.  The company has established an AI-based life sciences/biotech research and development hub at West Virginia University Innovation Corporation.  Read more: https://gatchealth.com/gatc-health-highlights-expert-presentations-at-veterinary-conference-underscoring-commitment-to-eliminating-animal-testing     Find these stories and more at wv.gov/daily304. The daily304 curated news and information is brought to you by the West Virginia Department of Commerce: Sharing the wealth, beauty, and opportunity in West Virginia with the world. Follow the daily304 on Facebook, Twitter, and Instagram @daily304. Or find us online at wv.gov and just click the daily304 logo. That's all for now. Take care. Be safe. Get outside and enjoy all the opportunity West Virginia has to offer.

In the second hour of Inside Access, the guys discuss what EDC had to say on the Baltimore Baseball Podcast. They also talk about Beltway Ben's trip to the Bahamas and if the Orioles can pull off the sweep.

A year after the second round of Concacaf 2026 FIFA World Cup Qualification began, it concludes... now! With 12 spots in the third and final round of qualifying up for grabs, Eric and Donald run through the six groups and touch on ALL 30 TEAMS remaining in Concacaf in just over half an hour to get you ready for the games of this window. From Cayman Island's coaching drama, to major injuries for Panama and Suriname, to farewells in Dominica and Antigua. The road to the 2026 World Cup ends for 18 nations after this week's games, which kickoff in Roseau, Dominica on Wednesday, June 4. Support us and hear the special ONE MORE ROUND bonus episode that follows this at the World of Concacaf Patreon at www.patreon.com/podcacaf Follow us @podcacaf Order of discussion: Honduras, Cuba, Cayman Islands, Antigua and Barbuda, Bermuda, Costa Rica, Trinidad & Tobago, Saint Kitts and Nevis, Grenada, Bahamas, Curacao, Haiti, Saint Lucia, Aruba, Barbados, Nicaragua, Panama, Guyana, Montserrat, Belize, Guatemala, Jamaica, Dominican Republic, Dominica, British Virgin Islands, Suriname, Puerto Rico, El Salvador, Saint Vincent and the Grenadines, Anguilla

Stacey thinks she's a solo-traveling boss lady — jetting from Alaska to the Bahamas — but deep down she's just craving someone to talk to (and luckily, cruise strangers love chatting). Meanwhile, Kayla gives Leo a haircut so tragic, he's too ashamed to show his face at school. It's Pride Month (WOO HOO!) and tensions are high: Kayla nearly loses her job over some anti-Pride drama at school, and Nanny is convinced there's a full-blown lesbian scandal going down in her apartment building. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Entrepreneurial You, host Heneka Watkis-Porter is joined by serial entrepreneur, award-winning filmmaker, published author, and tech startup expert Jason Sherman. As the founder and CEO of Bingo AI and Vengo AI, Jason shares how creativity, storytelling, and perseverance are vital for startup success—especially when launching a tech venture without venture capital. Storytelling in Filmmaking and Startups Jason draws parallels between filmmaking and entrepreneurship, pointing out that both require you to build a narrative that resonates with a specific audience. Whether it's a movie or a product, the story behind it matters. He explains that his journey began as a young programmer selling products in school, which laid the groundwork for his ventures today. According to Jason, storytelling helps attract investors and customers alike—especially when it's backed by relatable experiences and data-driven results. Avoiding Common Pitfalls in Bootstrapping Jason and Heneka delve into common mistakes new entrepreneurs make when bootstrapping. A major one, Jason notes, is building too much too soon without proper validation. He urges founders to test concepts first and let market feedback lead the way. While intuition has its place, he believes data should always have the final say. Jason reminds listeners that real success stems from understanding what people truly need—not what we think they need. What You'll Learn in This Episode: • Why storytelling is crucial for both filmmaking and entrepreneurship • The most common mistakes first-time startup founders make • How to validate a product idea before launching • Why chasing tech trends can hurt your startup • The role of AI in boosting innovation and human evolution • Key strategies for building a startup without venture capital • The importance of ethical considerations in AI product development COMMUNITY CONNECTION: Now it's time for our Community Connection segment! Listeners are invited to share their thoughts on today's episode or send in any questions they have for Jason or Heneka. Reviews, feedback, and questions can be shared via email at heneka@henekawatkisporter.com or by WhatsApp at 876-849-2571. Also, don't forget about the upcoming LeadHerShip Cruise, where leaders can network and grow aboard Royal Caribbean's Liberty of the Seas! This four-day event combines empowerment with transformative learning against the stunning backdrop of the Bahamas. Contact heneka@henekawatkisporter.com or WhatsApp 876-849-2571 for more details. CONTACT JASON SHERMAN: LinkedIn: https://www.linkedin.com/in/jasonsherman76/ Website: http://jasonsherman.org/ TRENDING NOW: The global AI market is projected to reach $401 billion by 2028, yet 90% of startups fail within their first two years due to poor planning and lack of resources. Founders who bootstrap successfully retain 3x more equity than those who rely on venture capital funding. Jason's insights into ethical AI innovation and lean startup strategies couldn't be more timely. If you enjoyed this episode of The Entrepreneurial You, subscribe on Spotify and Apple Podcasts, leave a rating, and share it with your friends. Visit henekawatkisporter.com to download a free eBook on how to conduct podcast interviews like a pro! AFFIRM WITH ME: I am an innovative entrepreneur who turns challenges into opportunities. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textJoin Bishop Denczil A. Rolle, Senior Pastor of LIFE Worship Center, Nassau, The Bahamas for an impacting and life transforming word.Support the show

Caribbean nations are making significant economic, trade, and security advancements with the Bahamas gaining OECD approval, the Dominican Republic setting agricultural export records, and regional security cooperation strengthening through high-level diplomatic visits. These developments demonstrate the region's growing global influence and commitment to international standards while addressing domestic challenges through innovative policy approaches.The Bahamas achieves OECD approval for economic substance monitoring, joining nine other no-tax jurisdictions meeting international standardsDominican Republic closes record-breaking agribusiness deals with buyers from 33 countries. China extends visa-free access to Latin American countries to boost trade relationsGrenada hosts high-level policy dialogue on regional disability inclusion Subscribe to Pulse of the Caribbean for weekly insights into the economic, political, and social developments reshaping the region. What Caribbean story interests you most? Share your thoughts and join our growing community of listeners passionate about the Caribbean's future. Be sure to like and subscribe wherever you listen to podcasts.Listen online at www.pulseofthecaribbean.com or your favorite streaming platform.Send news releases to news@pulseofthecaribean.com. If you have an interest in sponsoring our podcast, email us at  biz@pulseofthecaribbean.com.

On Monday Travel and Cruise industry Podcast, June 2, 2025, Chillie welcomes Nate Vallier, Alaska Travel Desk, who is currently on ay 3 o the Crown Princess World Cruise that sailed Saturday from Aukland, New Zealand. Also today, Jubilee To Offer New Bahamas itineraries; Astoria To Be Auctioned; Passenger Falls From Gangway; Seascape Breaks Moorings in Bahamas; From Orlando to London; Travel Advisory Downgraded; Salmonella Outbreak From Cucumbers; and lots more LIVE at 11 AM EDT. #mondaytravelandcruiseindustrypodcast #travelandcruiseindustrynews #podcast #cruisenews #travelnews #cruise #travel #chilliescruises #chilliefalls #whill_us #2025worldcruise #crownprincess Thanks for visiting my channel. NYTimes The Daily, the flagship NYT podcast with a massive audience. "Vacationing In The Time Of Covid" https://nyti.ms/3QuRwOS To access the Travel and Cruise Industry News Podcast; https://cms.megaphone.fm/channel/trav... or go to https://accessadventure.net/ To subscribe: http://bit.ly/chi-fal I appreciate super chats or any other donation to support my channel. For your convenience, please visit: https://paypal.me/chillie9264?locale.... Chillie's Cruise Schedule: https://www.accessadventure.net/chillies-trip-calendar/ For your mobility needs, contact me, Whill.inc/US, at (844) 699-4455 use SRN 11137 or call Scootaround at 1.888.441.7575. Use SRN 11137. YouTube: https://www.youtube.com/ChilliesCruises Facebook: https://www.facebook.com/chillie.falls X: https://x.com/ChillieFalls Learn more about your ad choices. Visit megaphone.fm/adchoices

 Dr. Bruce Lipton has proved and explained how we can heal our self with our mind.What we are?A battery with 50Trillions cells.We are not an entity; we are a community of 50Trillions cells.Every cell is communicating via the energy or via the vibration.Every cell is intelligent. The cells are in a community, they give up their personal intelligence and respond to the central voice… If the central voice wants to die the cells will die.The central voice is the mind.The mind is influenced by the internal and external environment.The brain perceives the signals from the internal and external environment and interpret these signals and send the information to the cells to control the behavior and genetics.Explanation of the placebo effect:You have a positive thought that something can heal you, even you don't know it (for instance sugar pill); if you believe in it, then it can heal yourself.It is proved that 1/3 of all healing occurs through the placebo effect or through that thought.What is if you have negative thinking that you can't be healed? This is the nocebo effect.As positive thinking/feelings/belief can heal you, negative thinking/feelings can kill you!!!If the doctor gives you the belief that you will die this belief will kill you!What is if we suppress our negative feelings and thoughts?Then these suppressed negative feelings and thoughts will harm our body! The solution is to release our negativity so that the positivity comes by itself! If we practice “Positive thinking”, then we suppress our negativity, and that will harm our body!Some sects of the Baptists contemplate on God to go in Ecstasy. And when they are in Ecstasy, even deadly Rattlesnakes can bite them without harming them.Or some drink Strychnine in Toxic doses and when they in that state of belief the toxic doesn't affect them.Even we would not have so many evidence in the past that Faith heals… at least the Baptists proof that…. Instead, we still believe that Mosquitoes can make us ill… What you believe you will harvest and that proves the Quantum Physics. Next week I will write more…If we had stronger beliefs, we would be much stronger.In 1961, Terry Jo Duperrault, an 11year old girl was found alone on the Ocean in a small broken white raft. She over lived the family massacre and were drifting 4 days without water or food, far away from the Bahamas. She prayed to God and trusted in God… She is still alive!  Don't be limited through your beliefs. Also, we can use the energy of the cell for healing. With Qigong, acupuncture, acupressure we lead the energy through our body in a certain way to heal the body!My Video: Quantum physics proves that faith heals https://youtu.be/MiECabMy9M0My Audio: https://divinesuccess.net/wp-content/uploads/2021/Podcast.B/Quantum-physics-proves-that-faith-heals.mp3

Sharing an opportunity to join the Drifter Fish Club on a last minute trip to the Bahamas June 10-14 at the East End Lodge. Final price is $4,200 and covers 3 full days fishing, four nights lodging, and some fun Drifter Perks! Email hunter@drifterfishclub.com for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore the sacred geography of the Hawaiian Islands with my luminous guest Kathy Williams! We unveil a chakra system encoded in volcanic stone, ancient chants, and living energy lines that allow you to remember the frequency of ancient Mu.⚜️ This episode is for the part of you that knows land is a sacred mother — and you are one of her children coming home. ⚜️What you'll take away from this episode:

The Caribbean region demonstrates economic resilience with the Bahamas achieving its first budget surplus since independence, Barbados strengthening currency stability, and Turks and Caicos Islands projecting record revenue. Global developments include Rihanna expanding her Fenty Beauty line across the Caribbean and the Dominican Republic making history with its first table grape export to the United States.Bahamas Prime Minister Philip Davis announces a projected $75 million budget surplus for 2025-2026, the first balanced budget since independenceBarbados Central Bank reports strong international reserves and currency stability through foreign exchange repatriationsRihanna Expanding her Fenty Beauty, Skin, and Fragrance Brand Presence in the Caribbean  Dominican Republic making history with its first table grape export to the United StatesThese and other stories are on Episode 4 for the Week of May 26. Listen and subscribe to the  Pulse of the Caribbean News Round Up for news you need to know.#pulseofthecaribbean #caribbeanpodcast #CaribbeanNews #caribbean #caribbeanbeauty #caribbeanvibes #rihanna #fentybeauty  #trendingnow

Sometimes, free tequila is a red flag.In this one, Ian and Liv talk about Fyre Fest, a concert/bash weekend in the Bahamas that would have been super cool-IF it had actually happened. But why didn't it happen? What were the road blocks? Where were the adults? Why was the FBI involved? Find out in Episode 78!Also, Ian learns about Coachella. Liv turned down Ja Rule on more than one occasion.

The time has finally arrived—after all the anticipation and planning, we're just about to dive headfirst into six incredible days of celebration, music, and culture in Nassau, Bahamas.

The Hidden History of Texas Looking for Gold and Glory – Before I get too far into it today, how about subscribing to the podcast. Tell your friends that you've found the coolest place on the net to learn about Texas history. Well maybe not the coolest, but a pretty cool place, thanks I'd appreciate it. As I've discussed in the past, the Spanish presence in the Americas was pretty much an accident. Until Columbus bumped into the islands of Guanahani (Watling Island in the Bahamas) which Columbus named "San Salvador", Cuba, and Hispaniola (present-day Haiti and the Dominican Republic). They had no idea anything or anyone was between them and Asia, remember they were looking for a shortcut route to India. Even then it wasn't until 1519 when Alonso Álvarez de Pineda mapped the Gulf Coast for the first time that they began to realize they had stumbled upon something far different than what they originally thought. So, what intrigued the Spanish so much about this new continent they encountered? I've talked about how in 1528 Álvar Núñez Cabeza de Vaca, explored the Gulf Coast and his exploration fell apart. He got shipwrecked and he and some of his crew wandered across present-day Texas and northern Mexico. During their journeys and capture they heard stories from the people about cities or places that were “wealthy”. Now we don't know exactly what the indigenous people meant by wealth or how they described the various locations, but de Vaca's later telling of those encounters sparked an interest in what the Spanish called or were labeled the "Seven Cities of Gold" or “the Seven Cities of Cibola” But why? Why would these stories matter to the Spanish? In the early 8th century Muslims had conquered what is now Spain and Portugal. The story goes that in 714 seven Catholic bishops and their faithful followers fled across the Atlantic to a land known as Antilia, the name of which, incidentally, was the source of the name Antilles, which was initially applied to the West Indian islands of the Caribbean. The story was that when they fled, they took with them vast amounts of wealth, especially in gold and silver and each of the bishops had established a city. The story, or fable, was that those 7 cities were to be found in this ‘new' country. However, the Antillean islands failed to produce large quantities of gold and silver, but by 1539 the lands that Cabeza de Vaca and his companions reported on were thought to contain an El Dorado (or The Gold) known as Cíbola. In that year, Viceroy Antonio de Mendoza dispatched Fray Marcos de Niza and the African Estevanico to search the area. This exploration cost the life of Estevanico at Háwikuh, the southernmost of the Zuñi pueblos in western New Mexico. On his return to New Spain (today's Mexico), Fray Marcos reported that he had seen golden cities, the smallest of which was larger than Mexico City. Today we know that the good frier exaggerated what he saw, why I have no idea, but he definitely didn't see any golden cities and certainly not one larger than Mexico City would have been at that time. In 1539, Mexico City, then known as Tenochtitlan, was a large and populous city. Estimates for its population ranged from 200,000 to 400,000, so as I said, the good frier was a, as we say, a teller of tall tales. However, in 1540 a follow-up expedition of Francisco Vázquez de Coronado captured Háwikuh and learned the true nature of it as well as other nearby pueblos. In the following year, disappointed over the failure to find the Seven Cities of Cíbola Coronado launched a futile search for Quivira-(another legendary wealthy city) an undertaking that crossed the Panhandle. His toute took him from Arizona to New Mexico into Texas up to Oklahoma, and finally Kansas. It was there that he did find Quivira, it was situated in what is now central Kansas, now nobody is really certain of its exact location, and most think it was near present-day Lyons or Salina. What did he find?

We're recapping our amazing trip to the Bahamas with two of our boys — just the four of us this time. The other five kids stayed home (and shockingly… didn't even complain about it). We put on the swimsuits, got our hair wet, and made core memories. It was the kind of trip that reminded us what really matters. And here's your reminder: wear the dang suit. Get in the water. Splash around. Be in the memories. Your kids won't remember what you looked like — they'll remember that you were there.Want our podcasts sent straight to your phone? Text us the word "Podcast" to +1 (917) 540-8715 and we'll text you the new episodes when they're released!Tune in for new Cat & Nat Unfiltered episodes every Monday, Tuesday, Thursday and Friday!Follow @catandnatunfiltered on Instagram: https://instagram.com/catandnatunfilteredOur new book "Mom Secrets" is now available! Head to www.catandnat.ca/book to grab your autographed copy! Come see us LIVE on tour!! To see a full list of cities and dates, go to https://catandnattour.com.Are you a parent that is struggling understanding the online world, setting healthy screen-time limits, or navigating harmful online content? Purchase screen sense for $49.99 & unlock Cat & Nat's ultimate guide to parenting in the digital age. Go to https://www.thecommonparent.com/guideFollow our parenting platform - The Common Parent - over on Instagram: https://instagram.com/thecommonparentMake sure you subscribe to our YouTube channel: https://bitly.com/catnatyoutubeCheck out our Amazon Lives here: https://bitly.com/catnatamazonliveOrder TAYLIVI here: https://taylivi.comGet personalized videos from us on Cameo: https://cameo.com/catandnatCome hang with us over on https://instagram.com/catandnat all day long.And follow us on https://tiktok.com/@catandnatofficial! Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Entrepreneurial You, Heneka Watkis-Porter welcomes leadership expert and best-selling author Kevin Wayne Johnson to explore the power of servant leadership. With a career that bridges corporate strategy and faith-driven values, Kevin shares how leading with patience, empathy, and humility can transform organisations—and lives. From his deeply personal journey caring for his younger brother with a mental disability to answering a prophetic call to ministry, Kevin's leadership style is grounded in compassion and purpose. If you're ready to lead by lifting others, this episode will challenge, inspire, and empower you to step into a more meaningful version of leadership. Servant Leadership: Leading With the Heart Kevin introduces the core of servant leadership as a philosophy centred on serving first. He explains that leadership isn't about commanding attention or holding authority—it's about uplifting those around you, offering hope, and providing real support. His journey began at home, where caring for his younger brother shaped his outlook. It continued into the workplace, where he combined corporate leadership with faith-based principles, building trust, collaboration, and lasting impact. Heneka and Kevin both agree: the best leaders are those who put people before power. What You'll Learn in This Episode: • What servant leadership really means in modern business • How to balance authority with humility and empathy • Why faith plays a critical role in leadership decisions • How to build trust and connection through authentic conversations • The value of storytelling in humanising leadership • Why leading with energy and purpose drives real impact Whether you're leading a team, building a business, or shaping your community, Kevin's wisdom will guide you to lead with courage, character, and compassion. Tune in now—and don't forget to share this episode with a fellow leader who leads from the heart. COMMUNITY CONNECTION: Now it's time for our Community Connection segment! We'd love to hear from YOU—our amazing listeners—about how you're applying servant leadership principles in your own life or business. Share your thoughts or questions at heneka@henekawatkisporter.com or WhatsApp us at 876-849-2571. And don't forget about the upcoming LeadHerShip Cruise, a groundbreaking leadership and networking event aboard Royal Caribbean's Liberty of the Seas! This four-day experience will bring together leaders, professionals, and entrepreneurs for growth, empowerment, and transformative learning against the stunning backdrop of the Bahamas. Reach out to us at heneka@henekawatkisporter.com or WhatsApp us at 876-849-2571 to learn more! CONTACT KEVIN WAYNE JOHNSON: LinkedIn: www.linkedin.com/in/kevinwaynejohnson TRENDING NOW: Companies that prioritize servant leadership see a 41% increase in employee engagement and are 50% more likely to retain top talent. With Gen Z employees ranking purpose over paychecks as their top priority, adopting a servant leadership model isn't just good for morale—it's essential for long-term success. If you enjoyed this episode of The Entrepreneurial You, subscribe on Spotify and Apple Podcasts, leave a rating, and share it with your friends. Visit henekawatkisporter.com to download a free eBook on how to conduct podcast interviews like a pro! AFFIRM WITH ME: I lead with purpose and humility, empowering others to succeed alongside me. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Caribbean is buzzing with developments from SpaceX's rocket tests over Bahamian airspace to Jamaica's impressive conservation progress preserving 25% of its landmass. Regional cooperation shines with Barbados's new humanitarian logistics hub while Russia and Puerto Rico separately strengthen trade ties with the Dominican Republic.• SpaceX planning another Starship test flight over Bahamas with FAA approval despite previous explosion• Caribbean Regional Logistics Hub inaugurated in Barbados to improve disaster response time • Jamaica has increased preserved landmass from 8% to 25% since 2016, working toward global 30-30 biodiversity goals• Russia's new ambassador to Dominican Republic seeking balanced bilateral trade across multiple sectorsThese and other stories are on Episode 2 for the Week of May 26. Listen and subscribe to the  Pulse of the Caribbean News Round Up for news you need to know. Send comments, news releases and information to news@pulseofthecaribbean.com. Like and follow us on Facebook and subscribe to our Podcast.Register now for the Victory Run Walk 2025 featuring 5K, 10K and half marathon events during Labor Day weekend in St. Thomas, US Virgin Islands and Diamond Key, Marina Jost Van Dyke, British Virgin Islands. Early bird registration ends June 1st at VictoryRunwalkVI.com.

Brit reviews her Bahamas cruise on Carnival Spirit. Dan Skilken, President of TripInsurance.com, stops by to explain the difference between an annual travel insurance policy and a per-trip policy. 

Send us a textWelcome everyone to the conclusion of my special two-episode conversation with Author and Retired DEA Special Agent Jaime Forza! Here are just some of Jaime's career highlights. After serving eight years in the U.S. Navy, Jaime joined the U.S. Department of Defense, Naval Criminal Investigative Service (NCIS) as a Special Agent serving for two years. In 1989, he became a Special Agent with the DEA, first in Charleston, South Carolina, then transferred to the Miami Field Division. He took part in numerous undercover and covert operations and was deployed on assignment to Operation Just Cause in Panama in 1990.In 1996, the DEA transferred Jaime to Merida, Mexico, Resident Office, where he later promoted to Resident Agent in Charge. In this role, he played a crucial part in the dismantling of the Juarez Cartel drug enterprise. In 2009, he was promoted and reassigned to the Office of Global Enforcement, Special Projects Branch. In this role, he served as the Senior Military Advisor for Narco-Terrorism at the U.S. Southern Command Headquarters.In 2013, DEA selected Jaime as Assistant Special Agent in Charge of the DEA Miami Field Division. In this role, he managed domestic enforcement and oversaw the daily operations of the division's foreign-based component in the Bahamas and its forward air operating bases. Jaime was subsequently appointed to Senior Executive.On December 5, 2024, Jaime released his book, THE RULES OF KONGO : A Psychological Crime Thriller Inspired by Actual Events. This book can be described as a dark, psychological crime thriller with supernatural elements. In today's episode we discuss:·      Cocaine coming from Colombia to Mexico and then the United States. How did they smuggle it, and how much?·      Drug submarines that were assembled in the jungle? ·      The Juarez cartel.·      Operation Panama Express.·      Working UC in America and overseas. Scariest moments and most fulfilling.·      Santeria priests and priestesses or other “black magic/voodoo”. Putting spells on witnesses attempting to tie their tongue in knots in court, making drug dealers invisible to LE. ·      Palo Mayabme dark magic / Voodoo dolls.·      What is your advice for someone who wants to become a DEA agent? How should they prepare?·      Jaimie's book, THE RULES OF KONGO : A Psychological Crime Thriller Inspired by Actual Events. ·      Jaimie's answer to the illegal drug problem in America.All of this and more on today's episode of the Cops and Writers podcast.To learn more about Jaime's book, The Rules of Kongo, head over to this website!Check out the new Cops and Writers YouTube channel!Check out my newest book, The Good Collar (Michael Quinn Vigilante Justice Series Book 1)!!!!!Enjoy the Cops and Writers book series.Please visit the Cops and Writers website.What would you do if you lost the one you loved the most? How far would you go to quench your thirst for vengeance?https://a.co/d/2UsJPbaSupport the show

Ein einzelner Atemzug, dann geht es hinab in die Tiefe. Lautlos gleitet Lukas Müller durch das klare Wasser – bis ein Tigerhai auftaucht, majestätisch und ruhig, direkt vor ihm. Kein Käfig, keine Pressluftflasche – nur er selbst, vollkommen auf sich gestellt im offenen Meer. Solche Begegnungen gehören für den Haiforscher und Freitaucher zum Alltag – etwa auf den Bahamas, einem der weltweit wichtigsten Orte für die Haiforschung.Lukas Müller taucht weltweit mit Haien – mit Weißen, Hammerhaien, Tigerhaien und vielen weiteren Arten. Seit vielen Jahren erforscht er ihr Verhalten und ihre Bedeutung für das Ökosystem und setzt sich mit voller Leidenschaft für ihren Schutz ein.Was macht die Bahamas zu einem bedeutenden Standort für die Haiforschung? Wie fühlt es sich an, einem Hai hautnah zu begegnen? Wie viel Nähe zu diesen Tieren ist verantwortungsvoll? – Über all das und mehr spricht Lukas in dieser Folge.Website: https://lukas-muller.com/Ocean Collective: https://ocean-collective.de/Redaktion & Postproduktion: Miriam MenzDieser Podcast wird auch durch unsere Hörerschaft ermöglicht. Wenn du gern zuhörst, kannst du dazu beitragen, dass unsere Show auch weiterhin besteht und regelmäßig erscheint. Zum Dank erhältst du Zugriff auf unseren werbefreien Feed und auf unsere Bonusfolgen. Diese Möglichkeiten zur Unterstützung bestehen:Weltwach Supporters Club bei Steady. Du kannst ihn auch direkt über Spotify ansteuern. Alternativ kannst du bei Apple Podcasts UnterstützerIn werden.WERBEPARTNERhttps://linktr.ee/weltwachSTAY IN TOUCH:Instagram: https://www.instagram.com/weltwach/LinkedIn: https://www.linkedin.com/company/weltwach/Facebook: https://www.facebook.com/Weltwach/YouTube: https://www.youtube.com/c/WELTWACHNewsletter: https://weltwach.de/newsletter/ Hosted on Acast. See acast.com/privacy for more information.

Love is Blind Season 2 Contestant Natalie Lee joins Brittany to chat about their recent Bahamas girls trip, why she LOVES a mediocre man, her thoughts on Shane Jansen's Perfect Match appearance, and dating rumors about her and the Bachelor's Blake Moynes! PLUS: A cameo from Tom Schwartz! Original Airdate: 07/26/2024Please support the show by checking out our sponsors!Nutrafol: Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code REALITYHITS Koala: To get $100 off your new sofa, plus fast shipping, go to US.KOALA.com/REALITYHITSProgressive: Quote your car insurance at Progressive.com to join the over 28 million drivers who trust ProgressiveDiscover Your New Home at apartments.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you're feeling stuck or unsure about what you want to do with this one precious life, today's episode is for you! In this solo cast, Katie explores the Ayurvedic concept of sankalpa, a heartfelt intention or vow rooted in the soul's deepest desire, and how it differs from your life goals and career ambitions. Katie shares the spiritual significance of living with intention and how to create a sankalpa that aligns with your inner truth and life purpose. Tune in to learn a powerful practice that you can use to uncover your sankalpa! Enrollment is now open for our 2026 Ayurvedic School! The next three people to enroll will receive all of their textbooks FREE - a $225 value. Learn more and enroll here! In this episode about sankalpa, you'll hear: ~ What is a sankalpa? ~ Why is it important to live an intentional life? ~ Common mistakes people make when creating their sankalpa ~ Why your life purpose isn't to get married or have a fancy car ~ Katie's sankalpa story ~ How our sankalpas evolve over time ~ Is sankalpa the same as life purpose? ~ What to do if you can't figure out your life purpose ~ Sankalpa examples ~ Reflection questions to live life with more intention ~ A powerful sankalpa setting practice ~ Discovering who you really are ~ The difference between life goals and sankalpa ~ Why your life purpose isn't your career ~ Sign up for our free Women's Wisdom and Ayurveda mini-course! Other resources related to this episode: ~ Learn more about Ayurveda School ~ 2025 Chakra Yoga Nidra Workshop: Study with Katie and other luminary teachers this fall in the Bahamas! ~ 2026 Chakra Yoga Nidra Retreat: Deep dive into the chakras with Katie as your guide in the beautiful Bahamas in spring 2026! ~ Follow us on Instagram and Facebook ~ Katie's latest book, Glow-Worthy Get the full show notes here: www.TheShaktiSchool.com/podcast/

This week in extremely 2025 content, county workers began a sweep of a homeless encampment in a wash near Flamingo & Maryland — but are also employing robots to scout out some of the more dangerous sections of the tunnels, where toxic fumes could put workers and the unhoused at risk. These "clean-ups" have long been a flashpoint for neighbors and advocates, so what's the bigger picture? Co-host Sarah Lohman talks with writer (and former Hey Las Vegas newsletter editor) Scott Dickensheets and Nevada Current editor April Corbin Girnus to discuss. They also talk about all the bills killed in this year's legislative session, and what it means when Bahama Breeze closes its doors for good. Learn more about the sponsors of this May 23rd episode: Southern Nevada Water Authority Barter Beer + Mall The Rita Deanin Abbey Art Museum is offering 50% off tickets to City Cast Las Vegas listeners! Visit rdamuseum.org/tickets and use the code CITYCASTLV at checkout. Want to get in touch? Follow us @CityCastVegas on Instagram, or email us at lasvegas@citycast.fm. You can also call or text us at 702-514-0719. For more Las Vegas news, make sure to sign up for our morning newsletter, Hey Las Vegas. Looking to advertise on City Cast Las Vegas? Check out our options for podcast and newsletter ads at citycast.fm/advertise. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of 'The Crux: Disaster Strikes,' host Julie Henningsin delves into the harrowing story of the cargo ship El Faro, which sank near The Bahamas on October 1st, 2015, claiming all 33 lives on board. Through the recovered voyage data recorder, we gain a chilling insight into the ship's final hours. Henningsin explores the crew dynamics, the weather challenges, and the human errors that compounded the disaster. The episode highlights the systemic issues in maritime safety and the lessons learned to prevent future tragedies, paying tribute to the lost crew members. 00:00 Introduction to the El Faro Disaster 01:26 The Ship and Its Final Voyage 04:31 Weather Warnings and Crew Concerns 06:45 The Storm Intensifies 09:49 Critical Moments and Decisions 12:22 The Final Hours 19:36 Search, Recovery, and Investigation 29:28 Lessons and Legacy 32:35 Conclusion and Tribute Email us! thecruxsurvival@gmail.com Instagram https://www.instagram.com/thecruxpodcast/ Get schooled by Julie in outdoor wilderness medicine! https://www.headwatersfieldmedicine.com/

Ranesha Dean is a branch manager for Caribbean Alliance Insurance Company, a regional general insurance company in the Eastern Caribbean, and is responsible for the Bahamas operations. Her career in the general insurance industry began in 2009, and she has worked in various roles over the years, including sales, underwriting, claims, and compliance. She holds a BA in economics and finance from The University of The Bahamas (formerly College of The Bahamas) and several designations with The Institutes, including the CPCU designation (2022). Ranesha is an avid insurance learner eager to dive into new insurance topics as an aspiring insurance writer. In this episode of In the Know, Chris Hampshire and Ranesha explore the unique challenges of the Caribbean insurance market, the impact of climate change on business, and the impact that her CPCU designation has had on her career.   Key Takeaways Ranesha's journey into the insurance market led to branch manager. Unique challenges of insurance in the Caribbean. Capacity crunch and climate change impacts. The response of the insurance industry in the wake of 2019's Hurricane Dorian. Technology and IT advances in the Caribbean. Ranesha's message to anyone considering joining the insurance industry. The impact of the CPCU designation on Ranesha's career. Attracting new talent to the industry in the Caribbean. Surprises that Ranesha has discovered in her career. A five-year look at the future of the Caribbean insurance market. Ranesha's CPCU Society advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society

The Niners ink another star to a long term deal. NFL insider Pete Prisco unloads on everybody after improving his tan in the Bahamas. Plus Conference Finals predictions and much more!See omnystudio.com/listener for privacy information.

Tuesday on 2 Pros and a Cup of Joe, the Eagles reward Nick Sirianni with an extension despite many thinking he’s unfit as a head coach. The “Tush-Push” ban is more likely to pass than seeding playoffs based off record. And NFL insider Pete Prisco unloads on everybody after improving his tan in the Bahamas.See omnystudio.com/listener for privacy information.

Lez Hang Out is proud to be sponsored by Olivia, the travel company for lesbians and all LGBTQ+ women! Join our Patreon to unlock 25+ full-length bonus episodes, ad-free weekly episodes, mp3 downloads of our original songs, exclusive Discord access, and more! Right now, we're retiring our lower tiers—so all new patrons who join at $5/month or higher (or upgrade!) by July 1st will be entered into a raffle to guest star on a bonus Patreon episode! You can also support the show by stocking up for Pride at bit.ly/lezmerch & picking up Lez-ssentials songs on Bandcamp. Welcome back to Lez Hang Out, the podcast that wants to take you to, “Bermuda, Bahama, Come on pretty mama.”

In this episode of The Entrepreneurial You, Heneka Watkis-Porter sits down with publishing industry veteran Michele DeFilippo, founder of 1106 Design. With over 50 years in the book publishing world, Michele brings a wealth of knowledge on how authors can take control of their publishing journey, avoid scams, and profit from their passion. She breaks down the evolution of self-publishing, revealing how independent authors can compete with traditional publishers—and win—by maintaining ownership, setting industry-standard quality, and being smart about their choices. Whether you're a first-time writer or a seasoned author, Michele's guidance provides a blueprint for building a successful, scam-free publishing experience. The Power of Self-Publishing: Profit, Control & Protection Michele is clear: self-publishing isn't just an alternative—it's a business decision. Authors can maintain creative control, keep more of their earnings, and bring their books to market without signing away their rights. But with this freedom comes responsibility. Michele warns against shady hybrid publishers that charge high production fees and still claim a share of your royalties. Her advice? If you're paying for the work, own the outcome—including your files, your ISBNs, and your book's future. Heneka echoes the importance of being informed, noting how many aspiring authors fall victim to scams due to lack of publishing knowledge. Competing With Traditional Publishing: Yes, You Can Michele debunks the myth that self-published books are inferior. With platforms like Amazon KDP and IngramSpark, and a focus on professional-quality design, editing, and typesetting, indie authors can match—and often exceed—the quality of traditional publishers. The key? Following industry standards and never cutting corners. “Readers don't care how a book is published,” Michele says, “only that it's well done.” She urges authors to purchase their own ISBNs through Bowker, which allows them to retain full control over the book in all its formats—eBook, paperback, or hardback. What You'll Learn in This Episode: • How to avoid scams and bad deals in the publishing industry • Why self-publishing can be more profitable and empowering than traditional routes • How to meet traditional publishing standards on your own • Why owning your ISBNs and production files matters • Smart marketing tactics for positioning your book as a business tool • The truth about bestseller programs—and what really drives book success This episode is a must-listen for any aspiring author ready to publish with confidence, clarity, and control. Tune in, take notes, and share it with someone who dreams of becoming a published writer—without the pitfalls. COMMUNITY CONNECTION: Now it's time for our Community Connection segment! We'd love to hear your thoughts on today's episode or any questions you have for Drewbie or Heneka—email us at heneka@henekawatkisporter.com or WhatsApp us at 876-849-2571. Also, don't forget about the upcoming LeadHerShip Cruise, where leaders like YOU can network and grow aboard Royal Caribbean's Liberty of the Seas! This four-day event combines empowerment with transformative learning against the stunning backdrop of the Bahamas. Contact us at heneka@henekawatkisporter.com or WhatsApp 876-849-2571 for more details! CONTACT Michelle Defilippo: Website: 1106design.com TRENDING NOW: Here's an eye-opening stat: Authors lose over $500 million annually due to predatory publishing scams—and AI-generated books are flooding platforms like Amazon faster than ever before. This makes professional design and marketing more important than ever. If you enjoyed this episode of The Entrepreneurial You, subscribe on Spotify and Apple Podcasts, leave a rating, and share it with your friends. Visit henekawatkisporter.com to download a free eBook on how to conduct podcast interviews like a pro! AFFIRM WITH ME: I am an empowered author who makes informed decisions about my book. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textWe're back from a much needed vacation where Snow talks about her trip to the Bahamas, getting injured , eating conchs, a beach of pigs, tropical drinks and MJ talks about his trip to Ohio where he went to the Sonic Temple festival, jungle themed Air BnBs, Wario's cheesesteaks , Bill Belichick's self help book and then we get into Quatar's Air Force One, The Ohio State football team, Columbus Ohio,J.D. Vance is cringy, The new Pope, Bruce Springsteen going to the UK to talk smack about the current administration, Kid Rock's lazy response , Trump calling Taylor Swift not hot, Jake Tapper selling out and Joe Biden's cancer diagnosis #BruceSpringsteen #TaylorSwift #DonaldTrump #grandson #Metallica #JDVance #KidRock #AirForceOne #9/11 #BillBelichick #TheArtOfWinning #GuyFieri #LinkinPark #SonicTemple #Kokomo #Korn #TheOhioStateUniversity Follow us at Reality Redemption on Facebook, Instagram, Threads, BlueSky and Tik Tok

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   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, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 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 prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

I'm frequently asked for the best marine weather apps. Cruising the Florida coast and Bahamas, I've found a few favorites. Summary Apps are helpful. But don't forget to look out the hatch to see what's happening in your area.  If you need more information, here's what we relied on while cruising Florida and the Bahamas. Windy Windy is great for a color-coded, big-picture view of the wind, wave, and rain forecasts. The motion feature shows changes over the hours and days. We've found Windy pretty accurate. It does require internet access to use. RADAR Radar programs come and go. So I can't recommend a specific one. I prefer ones that show how fast the storm cells are moving and in what direction. Hurricane Tracker Everything Hurricane Tracker offers is available on the (US) National Hurricane Center website. What Hurricane Tracker does brilliantly is to make the information easy to access. This is critical if you either have slow internet or pay by data used. For each storm (and Invest and Potential Storm), Hurricane Tracker has all the NHC maps, satellite images, and the official forecasts and analysis. It's quick and easy to tap or click from one to another. Its ease of use is why I'm willing to pay for lifetime access. Marine Weather Center Marine Weather Center is the “proper” name for what most East Coast and Caribbean cruisers call “Chris Parker's weather.” Chris and his staff are full-time marine forecasters for this area and provide subscription forecasts by SSB and email. Subscribe via SSB to talk with him during his designated times for your location. But we use email for time to digest the information. Chris is a former cruiser who understands weather as it applies to boats. And he's trained other forecasters to do the same. Forecasts are quite accurate. They tend to err on the side of caution.  To read and for cost information for the apps or information about apps for other cruising grounds, visit Favorite Weather Apps or listen to the complete podcast. Subscribe to the Boat Galley Newsletter! - https://theboatgalley.com/newsletter-signup-2 Links: Windy - https://www.windy.com (also avaialable for iOS and Android) Hurricane Tracker - http://www.hurrtracker.com/Main/web-app.html Marine Weather Center - https://www.mwxc.com/signup.php The Boat Galley podcast is sponsored by FastSeas.com. Plan your next passage using FastSeas.com. Whether you are after speed or comfort, FastSeas will find the optimum route to your destination. FastSeas - making weather routing simple. Use coupon code GALLEY for an exclusive 10% discount. Click to see all podcast sponsors, past and present. - https://bit.ly/3idXto7 Music: “Slow Down” by Yvette Craig    

She's familiar, approachable, and as comforting as she is beautiful-- 'the girl next door' is a staple of American dating culture, and an archetype that many men seek out. But where did that archetype come from, and just how firmly rooted in reality is it? In this episode, Steven and Megan trace this idea back to some of its origins and unpack just what it says about how men's perspectives on relationships are shaped. Comic book fans, this one is for you! Our first summer flash sale starts Memorial Weekend! Mark your calendars to save 40% on matchmaking. D.R.A.W. conference begins May 23rd! More information here: https://www.facebook.com/groups/746363680108059/?hoisted_section_header_type=recently_seen&multi_permalinks=970171901060568 Singles at SEA 2026: We'll be setting sail February 6-9, 2026 out of Miami, Florida on Wonder of the Seas and visiting The Bahamas! Prices subject to change, but you only need $200 to book a cabin/$100 per person if you book with a friend. Call Chelsea Fennell at 864-901-8233 Email: spinell@dreamvacations.com Get the From Singles, to Shepherds Info Guide Here! https://the-synchrony-project.mykajabi.com/from-singles-to-shepherds Contact: If you want to join the conversation about this topic and give your thoughts, reach out on Instagram, Facebook, YouTube, or at questions@synchronyproject.com. Learn more about our matchmaking services and dating resources at https://synchronyproject.com. Intro/Outro music by: Balloon Planet, "Write Your Own Story," https://artlist.io/royalty-free-music/song/write-your-own-story/135437

Send us a textWelcome to part one of my special two-episode conversation with Author and retired DEA Special Agent Jaime Forza! Here are just some of Jaime's career highlights. After serving eight years in the U.S. Navy, Jaime joined the U.S. Department of Defense, Naval Criminal Investigative Service (NCIS) as a Special Agent serving for two years. In 1989, he became a Special Agent with the DEA, first in Charleston, South Carolina, then transferred to the Miami Field Division. He took part in numerous undercover and covert operations and was deployed on assignment to Operation Just Cause in Panama in 1990.In 1996, the DEA transferred Jaime to Merida, Mexico, Resident Office, where he later promoted to Resident Agent in Charge. In this role, he played a crucial part in the dismantling of the Juarez Cartel drug enterprise. In 2009, he was promoted and reassigned to the Office of Global Enforcement, Special Projects Branch. In this role, he served as the Senior Military Advisor for Narco-Terrorism at the U.S. Southern Command Headquarters.In 2013, DEA selected Jaime as Assistant Special Agent in Charge of the DEA Miami Field Division. In this role, he managed domestic enforcement and oversaw the daily operations of the division's foreign-based component in the Bahamas and its forward air operating bases. Jaime was subsequently appointed to Senior Executive.On December 5, 2024, Jaime released his book, THE RULES OF KONGO : A Psychological Crime Thriller Inspired by Actual Events. This book can be described as a dark, psychological crime thriller with supernatural elements.I really enjoyed my time with Jaime and we have a lot in common. In today's episode we discuss:·      Growing up in Brooklyn, New York.·      What are mafia fires? ·      The neighborhood Bruha.·      Moving to Puerto Rico when he was in high school.·      His biggest influences as a young child and teen?·      Why he joined the Navy at 16 years of age and later became a N.C.I.S. agent?·      His path to joining the Drug Enforcement Agency (DEA).·      Being a DEA Agent in the 1980s/90s in Miami.·      Travelling to Panama and taking part in Operation Just Cause, arresting General Manuel Antonio Noriega.·      The pros and cons of working as a DEA agent in Mexico. All of this and more on today's episode of the Cops and Writers podcast.To learn more about Jaime's book, The Rules of Kongo, head over to this website!Check out the new Cops and Writers YouTube channel!Check out my newest book, The Good Collar (Michael Quinn Vigilante Justice Series Book 1)!!!!!Enjoy the Cops and Writers book series.Please visit the Cops and Writers website.What would you do if you lost the one you loved the most? How far would you go to quench your thirst for vengeance?https://a.co/d/2UsJPbaSupport the show

#756 Show Notes: https://wetflyswing.com/756 Presented By: FishHound Expeditions, Fish The Fly, On DeMark Lodge, Mountain Waters Resort Sponsors: https://wetflyswing.com/sponsors Would you guide steelhead anglers through Washington's wild rivers, then hop on a flight to Gabon or French Polynesia to chase something completely different—all while pushing the fly fishing industry to care more and do better? Today we're joined by Dave McCoy, Patagonia Fly Fish ambassador and owner of Emerald Water Anglers. Dave breaks down the real state of steelhead conservation, the overlooked opportunities in warmwater fly fishing, and why swinging flies is more than a method—it's a mindset. He shares the story of helping launch Patagonia's Fly Fish social presence, his conversations with Yvon Chouinard, and why guiding should include deeper dialogue—yes, even about politics. You'll also hear about his global travel program, from sea-run cutthroat in Seattle to tarpon in rivers and bonefish in the Bahamas. Plus, Dave explains why your first fly fishing trip shouldn't always be for trout, how Patagonia is rethinking wader design, and how listening—really listening—might just save the sport. Show Notes: https://wetflyswing.com/756

This week, we look at a man who was born in The Bahamas, went to college in the US, and played basketball, all over the world, before finally settling into Australia, as his home. The problem is, sexual assaults, and attacks on women follow him, wherever he goes. He is repeatedly caught, for the same exact things, for decades, and always ends up back out on the street. Even when he's a little older, he's still at it. Will Australia ever put him away for good??Fall through a window, causing you to have the brain of a child, seemingly try to assault every woman on the continent of Australia, and try to unravel the mess that is Kendal "Tiny" Pinder!!Check us out, every Tuesday!We will continue to bring you the biggest idiots in sports history!! Hosted by James Pietragallo & Jimmie Whisman Donate at... patreon.com/crimeinsports or with paypal.com using our email: crimeinsports@gmail.com Get all the CIS & STM merch at crimeinsports.threadless.com Go to shutupandgivememurder.com for all things CIS & STM!! Contact us on... twitter.com/crimeinsports crimeinsports@gmail.com facebook.com/Crimeinsports instagram.com/smalltownmurderSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Frederic is 11 years old when he and his mother are stabbed multiple times by an intruder in the night. Henry and Becky are with their children flying back from a missionary trip to the Bahamas when their pilot loses consciousness. 15 year old twins Missy and Mandy are shot at by a gunman in their high school shortly after their morning prayer group.Apartments.com - To find whatever you're searching for and more visit apartments.com the place to find a place.Progressive: Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, the gals get swept away with a couple of mysterious disappearances in what should've been paradise. Topics include a sketchy yoga retreat, some ill-timed snorkeling, and a cloudy tourism forecast. Start infusing for your spiked sparkling basil lemonade, spring for trip insurance, and tune in for Vanished on Vacation. For a full list of show sponsors, visit https://wineandcrimepodcast.com/sponsors. To advertise on Wine & Crime, please email ad-sales@libsyn.com or go to advertising.libsyn.com/winecrime.