Podcasts about The Bahamas

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.

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

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/

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/

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.

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.

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

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

Peter Reber ist Musiker, Komponist und Musikproduzent. Mit vier Teilnahmen als Interpret und zwei als Komponist und Produzent ist er vermutlich die Person in der Schweiz mit der grössten ESC-Erfahrung. Ganz sicher aber hat der ESC Peter Rebers Karriere stark unterstützt und beeinflusst. Das liegt nicht nur an den vier Auftritten mit «Peter, Sue & Marc» und Hits wie «Djambo Djambo», «Io senza te» und anderen, sondern vor allem auch an den beiden ESC-Teilnahmen als Produzent und Komponist. Denn mit den Erfolgen von Paolas «Cinéma» und Pepe Lienhards «Swiss Lady» - beides aus Peter Rebers Feder - wurde er auf einmal auch als Komponist und Produzent aus einem kleinen Land international wahr- und ernstgenommen, was zu vielen weiteren Aufträgen geführt hat. Im Gespräch mit Gastgeber Michael Luisier erzählt Peter Reber aber auch von seiner Herkunft aus dem Berner Arbeiterquartier Bümpliz und seiner frühen Förderung als Musiker durch Eltern und Lehrer. Er erzählt von seiner siegenjährigen Segelschiffsreise über die Weltmeere und den sieben Jahren auf den Bahamas. Und er erzählt von seiner Familie, die ihn über all die Jahre unterstützt und überallhin begleitet hat, wofür er ausserordentlich dankbar ist. Vor allem aber erzählt er von der Musik an sich, die ihn auch in diesem Jahr wieder an den ESC führt und immer noch seine grosse Leidenschaft ist. Die Musiktitel: 1. Peter, Sue & Marc - Djambo Djambo 2. John T. Williams - American Collection Theme Yo-Yo Ma, Recording Artists Orchestra of Los Angeles 3. Oscar Peterson Trio - I'm old-fashioned 4. Nina Reber - Flüge wi ne Vogel 5. Rod Stewart - Sailing 6. Sergej Rachmaninow - Klavierkonzert Nr. 2 c-Moll Valentina Lisitsa, London Symphony Orchestra, Michael Francis

In this flavorful episode, Mark Baratto sits down with Executive Chef Leandro “Leo” Minelli of Hyatt Centric Key West Resort & Spa. Chef Leo shares his culinary journey from Mendoza, Argentina to the kitchens of South America, The Bahamas, New Zealand, and now Key West. We dive into what brought him to the island, his passion for local seafood and sustainability, and how he leads the kitchen at the stunning Four Flamingos, A Richard Blais Key West Kitchen. We also touch on: His vision for Four Flamingos and Blue Mojito What makes Florida-fresh cuisine so unique Why the culinary scene in Key West inspires him daily Come for the food talk, stay for the island vibes. More on Four Flamingos: Welcome to Four Flamingos, A Richard Blais Key West Kitchen, where Florida-Fresh meets oceanfront elegance. With sunset views and a menu crafted by Chef Blais, this is a must-visit culinary destination in Key West.

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 navigating complex challenges through innovative regional cooperation and international partnerships. Today's headlines showcase strategic approaches to sustainable development, from migration assistance programs to economic diversification initiatives.UN International Organization for Migration Helping Undocumented Caribbean Migrants Return Home Voluntarily Eastern Caribbean Currency Union Establishing Regional Regulation of Citizenship by Investment ProgramsDominican Republic Launches Commonwealth Countries Trade workshops focusing on UK, Canada, Jamaica, India, Guyana and AustraliaAfrican Export-Import Bank Partners with Bahamas to Establish First Afro-Caribbean Marketplace While Developing CARICOM Trade Center in BarbadosThese and other stories are on the Pulse of the Caribbean News Round Up, Episode 4, Week of May 12.  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.Register now for the Victory Run Walk 2025 in the US Virgin Islands! Early bird registration for the 5K, 10K, and half marathon is open at VictoryRunwalkVI.com with discounts ending June 1st.

This Podcast is sponsored by Saily. Go to https://saily.com/MDT to get an exclusive 15% discount. Use Code: MDT at checkout!This Podcast is sponsored by Factor. Go to https://factormeals.com/mommydaddytalk50off and use code: mommydaddytalk50off to get 50% off plus free shipping on your first box!This video is sponsored by Cremo. Head to Target.com for any target location to find Cremo's new line of antiperspirants and deodorants.0:00 10:29 playing games when you were a kid 18:13 sara looking like the new character in GTA6 21:24 video games making people smarter 27:50 saily ad 28:50 Fireman are un loyal to girls but nurses are the worst to guys 30:26 what if their location goes off 32:01 sara and her sleep 35:30 what car should sara get? 37:29 not doing dating apps 40:45 the ryan garcia fight / suga sean 44:40 live stream in the Bahamas or tropical 46:18 Factor ad 47:34 tory lanez 52:54 calling 911 as a kid 53:35 McDonalds chicken nuggets 54:37 guilty pleasure when it comes to food 55:11 Cremo ad57:12 brads birthday 1:06:40 who would you give up for mac miller to come back

Bri returns from his cruise to the Bahamas;  Pacers on the brink of a major upset over Cavs while Boston needs another win at MSG; No clear favorite in the NHL playoffs; Straka beats Lowry at Philly Cricket Club; Pirates and Rockies fire their managers and Devers refuses to play first for Red Sox.

In this value-packed episode of The Entrepreneurial You, Heneka Watkis-Porter sits down with Drewbie Wilson—sales coach, entrepreneur, and time-management strategist—to uncover the secrets behind sales success, mindset mastery, and purposeful use of time. Known for his transformative perspective on sales and discipline, Drewbie explains why high earners aren't necessarily working harder, but thinking differently. He breaks down the invisible gap between average and extraordinary performance, centering on the irreplaceable trio: time, energy, and effort. Together, Heneka and Drewbie dive deep into how shifting from a "sales-first" mentality to a "service-first" mindset can drive authentic conversations and foster long-term success in business. What You'll Learn in This Episode: • Why mindset is more important than skill in sales success • How to use service, not selling, as your core approach • Practical outreach strategies for warm and cold leads • The power of asking the right questions to uncover true client needs • How to invest your time and energy like top earners do • Why time management is the key to higher income and work-life balance The episode wraps up with Heneka sharing details about the upcoming Leadership Cruise and encouraging listeners to connect with Drewbie, whose programs help entrepreneurs scale with intention and integrity. Whether you're new to sales or looking to level up, this episode is packed with golden insights to help you build a purpose-driven sales strategy. 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 DREWBIE WILSON: Website: https://www.drewbiewilson.com/ LinkedIn: https://www.linkedin.com/in/drewbiewilson/ TRENDING NOW: Did you know that companies using AI in sales see a 50% increase in lead generation, but close rates drop drastically without human follow-up? In an era where data is abundant but action is scarce, Drewbie's approach reminds us why personal connection still wins 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 take bold action because my success starts when I show up. Learn more about your ad choices. Visit megaphone.fm/adchoices

#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

Glenn Smith is the founder of Hoopfest Basketball, based in Dallas, Texas. Hoopfest is a national sports marketing firm specializing in scholastic and college sports properties, event management, and unparalleled consultation. Glenn's Thanksgiving Hoopfest has grown from a single event to the Hoopfest Basketball Series with stops in Lufkin, Dallas and Texarkana, Texas; Salt Lake City, Utah; and Nassau, Bahamas.On this episode Mike & Glenn discuss the intrinsic value of relationships within the sporting community, Glenn recounts his journey from humble beginnings to the establishment of a nationally recognized sports marketing firm. He highlights the significance of treating individuals with respect and kindness, a principle that has fostered loyalty among coaches and players alike. The discussion delves into the logistical intricacies of managing diverse events, including the introduction of unique locations that provide players with memorable experiences. Ultimately, Glenn's narrative serves as both an inspiration and a testament to the power of perseverance, community, and genuine connection within the realm of sports.Follow us on Twitter and Instagram @hoopheadspod for the latest updates on episodes, guests, and events from the Hoop Heads Pod.Make sure you're subscribed to the Hoop Heads Pod on iTunes or wherever you get your podcasts and while you're there please leave us a 5 star rating and review. Your ratings help your friends and coaching colleagues find the show. If you really love what you're hearing recommend the Hoop Heads Pod to someone and get them to join you as a part of Hoop Heads Nation.Have your notebook nearby as you listen to this episode with Glenn Smith, founder of Hoopfest Basketball.Website - https://hoopfestbasketball.com/Email – glenn@hoopfestbasketball.comTwitter/x - @HoopfestBVisit our Sponsors!Dr. Dish BasketballOur friends at Dr. Dish Basketball are here to help you transform your team's training this off-season with exclusive offers of up to $4,000 OFF their Rebel+, All-Star+, and CT+ shooting machines. Unsure about budget? Dr. Dish offers schools-only Buy Now, Pay Later payment plans to make getting new equipment easier than ever.GameChangerIntroducing GameChanger, a free app that provides you with data to make strategic coaching decisions and to deliver memorable moments to your team and its fans. Engage your players, empower your coaching decisions, and give parents the thrill of watching every play unfold in real time this season. Download GameChanger now on iOS or Android. GameChanger equips your team with the tools they need to succeed. Download it today and make this season one for the books. GameChanger. Stream. Score. Connect. Learn more at gc.com/hoopheads.Get automated highlight clips for all scoring plays as well as rebounds, steals, assists, and more. Plus free live streaming, advanced scorekeeping, and team management.

In the world of "appropriate" romance, period dramas and regency literature have a corner on the market among Apostolic women who want to enjoy a romantic story free of innuendo. But are these books and movies helping us build a healthy dating culture, or hurting us? In this episode, Megan and Steven discuss one of the most well-known works of literature (and its movie adaptations) and the impact of the plot and characters on dating culture for Christians. 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

In this episode, we're diving into Royal Caribbean's Perfect Day at CocoCay — the ultimate private island experience in the Bahamas! Whether you're a thrill-seeker looking to conquer the tallest waterslide in North America, or a beach lover dreaming of floating in a tropical lagoon, we're covering it all. Whether it's your first time visiting or you're a returning guest, this guide will help you make the most of your Perfect Day!

In this episode of the Having Report, host Brad Mines welcomes back Crypto Lambo Astwood (for his 2nd time on the podcast) to discuss the current state of Bitcoin

What happens when you grow up homeschooled on a sailboat, then experience public school, only to return to homeschooling as a parent? Shellbe's remarkable journey offers a window into an educational path less traveled, filled with powerful insights for any parent questioning traditional education.Born to parents who rejected conventional schooling, Shellbe spent her early years cruising the Bahamas on a sailboat. Her "classroom" was the open water, where learning to navigate charts, catch fish, and take responsibility weren't electives—they were survival skills. Using the Calvert School curriculum, her education blended formal academics with real-world application in ways most children never experience. "I knew responsibility," Shellbe reflects, recounting how she sailed dinghies with her toddler sister at just eight years old, learned to recover from capsizing, and developed problem-solving skills that have served her throughout life.When Shellbe entered public school in seventh grade, the contrast was stark. The rigid bell schedule, curriculum gaps, and social dynamics created challenges that shaped her understanding of what education could and should be. Despite her strong foundation in reading and writing, she struggled when the system couldn't accommodate her learning style—an experience that would later inform her approach to teaching her own daughter.Now homeschooling as a single parent, Shellbe has crafted an education for her daughter that honors both structure and freedom. With formal lessons sometimes just twice weekly, learning happens organically through exploration, measurement, and discovery. When her five-year-old spends a morning examining caterpillars with a magnifying glass, creating habitats, and measuring specimens, Shellbe recognizes this as valuable education that transcends textbooks.Whether you're currently homeschooling, considering the leap, or simply curious about alternative educational paths, this conversation will challenge your assumptions about how learning happens and what truly matters in preparing children for a fulfilled life.Connect with Shellbe:Instagram and Facebook are @Vital.Roots.CoachingShellbe is offering a FREE masterclass on how to have an Empowered Pregnancy & Birth next Friday the 16th!!What is the most important thing we can teach our kids?HOW TO HANDLE AN EMERGENCY!This could mean life or death in some cases!Help a child you know navigate how to handle an emergency situation with ease:Let's Talk, Emergencies! -and don't forget The Activity Book!The Tuttle Twins - use code Cheryl15 for 15% the age 5-11 series!Support the showInstagram: TheHomeschoolHowToPodcast Facebook: The Homeschool How To Podcast

Welcome to Reel Britannia-a very British podcast about very British movies ...with just a hint of professionalism. And a huge welcome back to Hal, contributer of wonderful reviews at the official Talking Pictures Podcast as well as host of his very own show Couple Indemnity. Hold onto your snorkels! In Thunderball, suave spy James Bond jets off to the sun-drenched Bahamas. Why the holiday? Because the villainous, eye-patch-wearing Largo of SPECTRE has pinched two atomic bombs and is holding the world to ransom! 007 must navigate treacherous waters, both literally and figuratively, charming allies like the stunning Domino while dodging Largo's aquatic thugs. Get ready for thrilling underwater battles, cool gadgets, and Bond proving that even a nuclear crisis can't cramp his impeccable style. It's a high-stakes game of global poker, and Bond's all-in! Thunderball(1965) In 1965's Thunderball, James Bond, played with maximum cool by Sean Connery, finds himself in a pickle when the notoriously nasty organization SPECTRE, specifically their number two main man, the delightfully devious and eye-patch-sporting Emilio Largo, makes off with two atomic bombs. Their asking price for not reducing a major city to a fine powder? A cool £100 million in diamonds.  Naturally, Her Majesty's Secret Service dispatches their best man, 007, who, after a rather explosive pre-title sequence involving a man in drag and a handy jetpack, tracks the villainy to the vibrant, sun-drenched Bahamas. Bond's mission quickly turns into a tropical tango of espionage. He crosses paths with the alluring Domino, who just happens to be Largo's mistress, and the fiery SPECTRE operative Fiona Volpe, who prefers lethal motorcycles to leisurely strolls. Armed with Q's latest toys – including gadgets perfect for underwater shenanigans – Bond dives headfirst into Largo's world, which is, conveniently, based around a superyacht and a rather shark-infested estate. The film culminates in an absolutely bonkers underwater battle royale, proving that fisticuffs are just as effective below the waves as they are on dry land. With the fate of a major city hanging in the balance, Bond and his newfound allies engage in a fin-tastic clash against Largo's scuba-equipped forces. Will Bond recover the bombs, get the girl, and deliver a perfect one-liner before the credits roll? You know the answer, but the fun is in watching him do it with effortless charm and a never-ending supply of air tanks!  "My dear girl, don't flatter yourself. What I did this evening was for King and country. You don't think it gave me any pleasure, do you?"   This and previous episodes can be found everywhere you download your podcasts Follow us on Twitter @rbritanniapod  Follow Couple Indemnity @coupleindemnity   Thanks for listening   Scott and Steven

Bahamas les pagará directamente a los trabajadores cubanos, dijo el primer ministro Philip Brave Davis y anunció que los contratos con Cuba serán cambiados. Sobre la Habana pesan denuncias de trabajo forzoso y esclavitud en tiempos modernos.

Tara Pyfrom and her family live a life of idyllic bliss in the Bahamas. That is, until 2019 - when Hurricane Dorian makes landfall, plunging their peaceful island existence into chaos. As this record-breaking storm swamps the land, Tara's house is engulfed - becoming a deathtrap. The family will have to go to increasingly extraordinary lengths just to keep their heads above water… A Noiser production, written by Joe Viner. For ad-free listening, bonus material and early access to new episodes, join Noiser+. Click the subscription banner at the top of the feed to get started. Or go to noiser.com/subscriptions If you have an amazing survival story of your own that you'd like to put forward for the show, let us know. Drop us an email at support@noiser.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

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.

What happens when a celebrated food personality brings her passion for clean eating to the wine aisle – and helps launch a brand that's redefining what's in your glass? Katie Lee Biegel, the bestselling author, Food Network celebrity and co-founder of Kind of Wild wines, discusses her journey into the organic wine business and how she's building a purpose-driven brand rooted in sustainability, transparency, and clean ingredients.  Launched in 2021 by brothers Jordan & Adam Sager, Kind of Wild markets certified organic, zero-sugar, vegan-friendly wines with no harmful additives, and a growing portfolio of varietals from around the world. Katie joined the company as a co-founder in 2023. Within our conversation, Katie opens up about the challenges and evolution of the food and beverage industry over the last two decades, including the rise of social media and the changing role of food influencers. From grassroots wine tastings to strategic distribution through Southern Glazer's, she outlines how Kind of Wild is balancing digital engagement with real-world connection to scale its reach and stay close to its consumers. Show notes: 0:25: Katie Lee Biegel, Co-Founder, Kind Of Wild – On location at the Nassau Paradise Island Wine & Food Festival in The Bahamas, Katie Lee Biegel shares her journey from West Virginia comfort food to co-owning Kind of Wild. She discusses her approach to menu curation, emphasizing intentional wine pairings, and how she blended her love for Southern cooking blends with island-inspired ingredients for a dinner at the festival. Katie reflects on her move into the wine space in 2023, driven by a desire for organic, additive-free wines after personal struggles with wine hangovers. Katie also talks about the evolving food media landscape, why in-person connections are key to building a loyal community and why retail is the key to accessibility. Brands in this episode: Kind of Wild

In this transformative episode of The Entrepreneurial You, Heneka Watkis-Porter is joined by Laura Watson, founder of Venture Coaching International. Laura shares her unique approach to leadership that integrates her background in social work with executive coaching to support leaders in becoming their best selves—both professionally and personally. Through powerful analogies, such as ballroom dancing and her own journey to becoming a world champion, Laura illustrates how leadership is deeply personal and rooted in continuous growth, emotional mastery, and self-awareness. Heneka and Laura explore what it means to show up authentically, how leaders can avoid burnout by aligning their work with their values, and why the key to leading others effectively starts with leading yourself. What You'll Learn in This Episode: • Why whole person leadership transforms both personal and professional outcomes • How continuous self-improvement supports sustainable leadership • The role of emotional intelligence and self-leadership in business success • Strategies for identifying and overcoming blind spots in leadership • A practical framework for goal-setting and consistent achievement • Why being, not just doing, defines true leadership Are you ready to lead from the inside out? Connect with Laura Watson and take the next step toward becoming the leader your business—and your life—deserve. 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 integrating personal growth into your professional journey. 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 unique leadership and networking event aboard Royal Caribbean's Liberty of the Seas. This experience will bring together leaders, professionals, and entrepreneurs for four transformative days of growth and empowerment 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 LAURA WATSON: Website: https://venturecoaching.ca/ LinkedIn: https://www.linkedin.com/in/laurawatson/ TRENDING NOW: Did you know that 62% of executives report burnout symptoms, and yet only 35% of organizations invest in leadership training that includes personal wellbeing? Research shows that leaders who adopt a whole-person approach see 41% lower turnover rates and report higher team engagement. Laura's coaching philosophy is perfectly aligned with these trends, making her insights more relevant 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 a whole-person leader, creating success that honors every part of my life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hear wild travel stories of local pub encounters in Alaska, extortion in Panama and 30-foot waves en route to Antarctica. _____________________________ Subscribe to The Maverick Show's Monday Minute Newsletter where I email you 3 short items of value to start each week that you can consume in 60 seconds (all personal recommendations like the latest travel gear I'm using, my favorite destinations, discounts for special events, etc.). Follow The Maverick Show on Instagram ____________________________________ Jordan Campbell joins Matt for a virtual wine night and starts off talking about her most epic wine experience of all time in San Sebastian in the Basque Country.  She then talks about her recent experience traveling to Antarctica and encountering 30 foot waves in the Drake Passage. Jordan then reflects on her upbringing in different places around Europe, including her dog getting kidnapped by the mob in Naples and drinking her first beer in Belgium at 12 years old. She then tells stories about a very local pub encounter in Alaska and visiting the Demilitarized Zone on the border of North and South Korea.  Jordan also reflects on the unique beauty of Iceland and tells the story of her mistaken visit to see fake swimming pigs in the Bahamas.  Finally, she tells the story of getting extorted by the police in Panama and reflects on the impact Anthony Bourdain's work had on her life. FULL SHOW NOTES WITH DIRECT LINKS TO EVERYTHING DISCUSSED ARE AVAILABLE HERE. ___________________________________ See my Top 10 Apps For Digital Nomads See my Top 10 Books For Digital Nomads See my 7 Keys For Building A Remote Business (Even in a space that's not traditionally virtual) Watch my Video Training on Stylish Minimalist Packing so you can join #TeamCarryOn  See the Travel Gear I Use and Recommend See How I Produce The Maverick Show Podcast (The equipment, services & vendors I use) ____________________________________ ENJOYING THE SHOW? Please Leave a Rating and Review. It really helps the show and I read each one personally.  You Can Buy Me a Coffee. Espressos help me produce significantly better podcast episodes! :)

When the societal and cultural pressures on young, Single Apostolic men are unrealistically high, the risk of them fading from the Church increases. Is the number of single 35-50 year-old women disproportionately higher than the number of available men in that range, and if so, what is causing us to lose our young men on the cusp of starting Apostolic families? In this episode, Megan and Steven scratch the surface of a big question: what is happening to our men, and how to we help? 2024 UPCI Stats Booklet is available here: https://upci.org/stats/ Our first summer flash sale starts Memorial Weekend! Mark your calendars to save 40% on matchmaking. 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.

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.

Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bioptimizers https://Bioptimizers.com/toddEnter promo code TODD to get 10% off your order of MassZymes today.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today.  Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.Bulwark Capital Bulwark Capital Management (bulwarkcapitalmgmt.com)Get a second opinion on the health of your retirement portfolio today. Schedule your free Know Your Risk Portfolio review. go to KnowYourRiskRadio.com today.Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/ToddThe Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyTodd Herman - The Todd Herman Show - YouTubeStarlink plus Neuralink should concern all of us and here is how illegal immigration proves it.Episode Links:TdA gang members employed more than twelve armed active duty US soldiers to protect their underground club engaged in human and drug trafficking in Colorado Springs. Army CID has custody of the soldiers working for the designated terrorists.I am the 3rd person in the world to receive the @Neuralink brain implant. 1st with ALS. 1st Nonverbal. I am typing this with my brain. It is my primary communication. Ask me anything! I will answer at least all verified users! Full interview: "Godfather of AI" shares prediction for future of AI, issues warnings I am the 3rd person in the world to receive the @Neuralink brain implant. 1st with ALS. 1st Nonverbal. I am typing this with my brain. It is my primary communication. Ask me anything! I will answer at least all verified users!Joshua Castro arrested while in uniform while working under Katie Hobbs at the Arizona (Dept of AG) for charging two Mexican men nearly ($20K) dollars to smuggle them into this country The liberal media's ignoring this story so you folks know exactly what to doChina's billion-dollar footprint near Florida coast poses US national security risk, expert warns; The Bahamas are just 50 miles off the coast of South Florida

Located just 50 miles off the coast of Miami, Florida, is the nation of the Bahamas. It is a large archipelago of islands covering over 5000 square miles in the Atlantic Ocean. The Bahamas are a unique country both historically and geologically. It has a landscape unlike any other in the world, and it has been at the forefront of the European colonization of the Americas.  The modern nation of the Bahamas has also taken a unique path, having achieved independence with little in the way of natural resources.  Learn more about the Bahamas and what makes it so special on this episode of Everything Everywhere Daily. Sponsors Mint Mobile Cut your wireless bill to 15 bucks a month at mintmobile.com/eed Quince Go to quince.com/daily for 365-day returns, plus free shipping on your order! Stitch Fix Go to stitchfix.com/everywhere to have a stylist help you look your best Tourist Office of Spain Plan your next adventure at Spain.info  Stash Go to get.stash.com/EVERYTHING to see how you can receive $25 towards your first stock purchase and to view important disclosures. Subscribe to the podcast!  https://everything-everywhere.com/everything-everywhere-daily-podcast/ -------------------------------- Executive Producer: Charles Daniel Associate Producers: Austin Oetken & Cameron Kieffer   Become a supporter on Patreon: https://www.patreon.com/everythingeverywhere Update your podcast app at newpodcastapps.com Discord Server: https://discord.gg/UkRUJFh Instagram: https://www.instagram.com/everythingeverywhere/ Facebook Group: https://www.facebook.com/groups/everythingeverywheredaily Twitter: https://twitter.com/everywheretrip Website: https://everything-everywhere.com/  Learn more about your ad choices. Visit megaphone.fm/adchoices

It is the first time that Tori has taken the kids on a vacation alone as a single mom, party of 6! From getting on the plane to the Atlantis Resort in the Bahamas and the adventures that ensue this Stori will take you down a water slide. This Bahama mama held her own around the chaos of travel but as we have learned, there is nothing that a single mom can’t handle, even if that means she now needs a vacation from her vacation. Folloe @MisspellingPodcast on Instagram and TikTok!See omnystudio.com/listener for privacy information.

It is the first time that Tori has taken the kids on a vacation alone as a single mom, party of 6! From getting on the plane to the Atlantis Resort in the Bahamas and the adventures that ensue this Stori will take you down a water slide. This Bahama mama held her own around the chaos of travel but as we have learned, there is nothing that a single mom can’t handle, even if that means she now needs a vacation from her vacation. Folloe @MisspellingPodcast on Instagram and TikTok!See omnystudio.com/listener for privacy information.

We came we conquered we Washy Washy'd! Guys, this is the full Absolutely Knot Heather McMahan cruise recap. Are we cruise people? Absolutely YES. We had the best time doing our podcast live with Becky Robinson aka Entitled Housewife, as well as other shows & shenanigans. Taking to the seas was natural for us! We even had a full day in the Bahamas. On this episode we give you all the tea that was happening on the water while Katy Perry was in Space. We're talking hookups, fabulous people we met, the theme nights, a wild dinner we'll never forget, our funny stories, and random experiences. It was truly a week to remember and we're here to recap it all for you!! We'll be back with all new episodes next week. We're recovered finally!!!

Las Vegas, The Bahamas, the show's been everywhere, we relive some of the memories Headlines with an update on the Diddy situation Sports with the audio of Bill Belichick's girlfriend interrupting his interview going around

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.