Podcasts about billionaires

The Strange Murders of the Wealthiest Murder Victims in History. Who killed the Billionaire Pharmaceutical CEO Barry and Honey Sherman? Why were their bodies placed in odd positions? Was a hitman hired by a Pharmaceutical company? To watch the podcast on YouTube: ⁠⁠⁠⁠⁠https://bit.ly/TheoriesOfTheThirdKindYT⁠⁠⁠⁠⁠ - Get instant access to 200+ bonus Audio episodes - Sign up here: ⁠⁠⁠⁠⁠https://theoriesofthethirdkind.supercast.com⁠ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Have you ever felt torn between who you are... and who you used to be?  Inside all of us live competing identities—conflicting desires, beliefs, and values. True growth begins not by choosing one or the other, but by learning to honor and integrate them with compassion and clarity. In this powerful intervention from Date with Destiny 2024, Tony Robbins works with tech entrepreneur Josh—whose journey took him from washing dishes in college to building software used by hundreds of millions. He's achieved incredible success—and endured painful setbacks—but even with everything he's built, something feels off. The fire inside him has burned out. Josh has embraced the spiritual, laid-back “hippie” within—the side of him that no longer chases external wins. But that identity conflicts with the ambitious, relentless entrepreneur he used to be... and that internal battle has left him stuck. Tony helps Josh uncover how his unconscious mind has kept these parts of himself at odds—and how to bring them into alignment to unlock his full potential. Using tools like the Psychology of Human Needs and Collapse Anchors, Tony guides Josh to create a new story: one where he doesn't have to choose between sides but can rise as something greater. This isn't just one man's breakthrough—it's a reflection of the journey we all face. Because when we create harmony within, we awaken the power to become who we're truly meant to be. We hope this serves you—and we'd love to hear what insight you take away. *You can watch this intervention (and tons of powerful Tony Robbins content) on our official YouTube channel: youtube.com/@TonyRobbinsLive       *Tony Robbins is a #1 New York Times best-selling author, entrepreneur, philanthropist, and the nation's #1 Life and Business Strategist. For more than four and a half decades, more than 100 million people from 195 countries have enjoyed the warmth, humor, and transformational power of his business and personal development events. Mr. Robbins is the author of seven internationally bestselling books, including three #1 New York Times bestsellers: Money: Master the Game, Unshakeable, and Life Force. He created the #1 personal and professional development program of all time, and more than 10 million people have attended his live seminars. Anthony Robbins is the chairman of a holding company comprising more than 110 privately held businesses with combined sales exceeding $7 billion a year. He has been named in the top 50 of Worth Magazine's 100 most powerful people in global finance for three consecutive years, honored by Accenture as one of the "Top 50 Business Intellectuals in the World''; by Harvard Business Press as one of the "Top 200 Business Gurus"; and by American Express as one of the "Top Six Business Leaders in the World" to coach its entrepreneurial clients. Fortune's recent cover article named him the “CEO Whisperer.” He is a leader called upon by leaders, and has worked with four US presidents, top entertainers -- from Aerosmith to Green Day, to Usher and Pitbull, as well as athletes like Serena Williams, Andre Agassi, and the 2022 NBA Champion Golden State Warriors. Billionaire business leaders seek his advice as well; casino magnate Steve Wynn, and Salesforce.com founder Marc Benioff are among those grateful for his coaching. As a philanthropist, through his partnership with Feeding America, Mr. Robbins has provided over 985 million meals in the last 8 years to those in need. He is two years ahead of schedule to provide 1 billion meals. Through the Tony Robbins Foundation, he has also awarded over 2,500 grants and other resources to health and human services organizations, implemented life-changing curricula in 1,700+ correctional facilities and gathered thousands of young leaders from around the world with its teen programs. In addition, he provides fresh water to 250,000 people a day in India in order to fight the number one killer of children in that country-waterborne diseases.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.” See omnystudio.com/listener for privacy information.

We'll probably see Hailey Bieber in the next issue of Forbes… Plus, Cassie has officially welcomed her third child.. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Donny discusses various brands shaping the zeitgeist, including consumer confidence trends, the rise of matcha, and the popularity of Chick-fil-A among Gen Z. He also touches on the impact of social media on parenting and the financial challenges faced by younger generations. The conversation wraps up with a humorous note on the US's reputation for swearing. Learn more about your ad choices. Visit megaphone.fm/adchoices

Interview with Adam Becker Arvind Narayanan & Sayash Kapoor: AI as Normal Technology Joanna Sterns stars in WSJ Veo film Wow: So this is all AI-generated. (with Veo) Business Owners Are Using AI-Generated 'Concerned Residents' To Fight Proposed Bus Line In Toronto - Slashdot venice.ai Google's Veo 3 AI video generator is a slop monger's dream Duolingo CEO Clarifies AI-First Plan After Backlash, Says AI Won't Replace Employees The reverse-centaur apocalypse is upon us Nvidia results "Just Count the Server Racks"... Why one of the world's major AI pioneers is betting big on Saudi Arabia Henry Blodget is the only employee in an AI newsroom Claude's System Card Film and Television Script Archive David Lynch auction A new season of Taskmaster! Mountainhead Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Adam Becker Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zscaler.com/security storyblok.com/twittv-25 outsystems.com/twit agntcy.org

Interview with Adam Becker Arvind Narayanan & Sayash Kapoor: AI as Normal Technology Joanna Sterns stars in WSJ Veo film Wow: So this is all AI-generated. (with Veo) Business Owners Are Using AI-Generated 'Concerned Residents' To Fight Proposed Bus Line In Toronto - Slashdot venice.ai Google's Veo 3 AI video generator is a slop monger's dream Duolingo CEO Clarifies AI-First Plan After Backlash, Says AI Won't Replace Employees The reverse-centaur apocalypse is upon us Nvidia results "Just Count the Server Racks"... Why one of the world's major AI pioneers is betting big on Saudi Arabia Henry Blodget is the only employee in an AI newsroom Claude's System Card Film and Television Script Archive David Lynch auction A new season of Taskmaster! Mountainhead Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Adam Becker Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zscaler.com/security storyblok.com/twittv-25 outsystems.com/twit agntcy.org

Interview with Adam Becker Arvind Narayanan & Sayash Kapoor: AI as Normal Technology Joanna Sterns stars in WSJ Veo film Wow: So this is all AI-generated. (with Veo) Business Owners Are Using AI-Generated 'Concerned Residents' To Fight Proposed Bus Line In Toronto - Slashdot venice.ai Google's Veo 3 AI video generator is a slop monger's dream Duolingo CEO Clarifies AI-First Plan After Backlash, Says AI Won't Replace Employees The reverse-centaur apocalypse is upon us Nvidia results "Just Count the Server Racks"... Why one of the world's major AI pioneers is betting big on Saudi Arabia Henry Blodget is the only employee in an AI newsroom Claude's System Card Film and Television Script Archive David Lynch auction A new season of Taskmaster! Mountainhead Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Adam Becker Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zscaler.com/security storyblok.com/twittv-25 outsystems.com/twit agntcy.org

Interview with Adam Becker Arvind Narayanan & Sayash Kapoor: AI as Normal Technology Joanna Sterns stars in WSJ Veo film Wow: So this is all AI-generated. (with Veo) Business Owners Are Using AI-Generated 'Concerned Residents' To Fight Proposed Bus Line In Toronto - Slashdot venice.ai Google's Veo 3 AI video generator is a slop monger's dream Duolingo CEO Clarifies AI-First Plan After Backlash, Says AI Won't Replace Employees The reverse-centaur apocalypse is upon us Nvidia results "Just Count the Server Racks"... Why one of the world's major AI pioneers is betting big on Saudi Arabia Henry Blodget is the only employee in an AI newsroom Claude's System Card Film and Television Script Archive David Lynch auction A new season of Taskmaster! Mountainhead Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Adam Becker Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zscaler.com/security storyblok.com/twittv-25 outsystems.com/twit agntcy.org

If you have a hobby or a business/idea and would be interested in funding, we would love to hear from you: https://form.jotform.com/251458737153058Please consider buying us a coffee or subscribing to a membership to help keep Centennial World's weekly podcasts going! Every single dollar goes back into this business

Wednesday, May 28th, 2025Today, Judge Xinis fires back at the Trump administration for asking for another unwarranted 30 day delay; NPR is suing the Trump administration over funding cuts; Temu Trump Senator Tommy Tuberville has launched a bid for Governor of Alabama; RFK Jr says the CDC will no longer recommend COVID vaccines for health children and pregnant people; Congressman Andy Ogles confirms an investigation into the Nashville Mayor's Office; Trump has pardoned a Virginia sheriff convicted of federal bribery charges and a tax cheat after his mom attended a million dollar dinner at Mar a Lago; the Trump administration pauses new visa interviews as it weighs a social media vetting program; Trump announces a $2.5B bitcoin treasury scam; a suspect has been arrested in a bitcoin kidnapping and torture case; Trump cuts all federal funding to Harvard University; man feared to be cognitively slipping after writing book about wrong president; and Allison delivers your Good News.Thank You, Naked WinesTo get 6 bottles of wine for $39.99, head to nakedwines.com/DAILYBEANS and use code DAILYBEANS for both the code and password.AG is hosting - NO KINGS Waterfront Park, San Diego - Sat June 14 10am – 12pm PDTDonation link - secure.actblue.com/donate/fuelthemovementMSW Media, Blue Wave California Victory Fund | ActBlueGuest: Delaware Governor Matt MeyerMatt Meyer (@mattmeyerde) - InstagramGovernor Matt Meyer (@MattMeyerDE) - TwitterDelaware Governor Matt Meyer - YouTubeMattMeyer.orgStories:White House stunned as Hegseth inquiry brings up illegal wiretap claims | Trump administration | The GuardianRFK Jr. cuts COVID vaccine recommendation for healthy kids, pregnant women -- and why it matters | ABC NewsCongressman Andy Ogles confirms federal investigation into Nashville mayor's office over illegal immigration | WKRN NashvilleTrump pardons Virginia sheriff convicted of federal bribery charges | ABC NewsTrump Media to raise $2.5 billion to invest in bitcoin | ReutersAnother Suspect Is Arrested in Bitcoin Kidnapping and Torture Case | The New York TimesTrump team pauses new student visa interviews as it weighs expanding social media vetting | POLITICOTrump administration moves to cut all remaining federal contracts with Harvard | ReutersNPR and Colorado public radio stations sue Trump White House | NPRMan Feared to Be Cognitively Slipping After Writing Book About Wrong President | The Borowitz ReportGood Trouble: Take Pete Kegseth's DoD Survey Help us improve the DoD SurveyFind Upcoming Demonstrations And Actions:250th Anniversary of the U.S. Army Grand Military Parade and CelebrationSchedule F comments deadline extended to June 7th Federal Register :: Improving Performance, Accountability and Responsiveness in the Civil Service50501 MovementJune 14th Nationwide Demonstrations - NoKings.orgIndivisible.orgFederal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen. Share your Good News or Good Trouble:dailybeanspod.com/goodFrom The Good NewsNoKings.orgThe Linda Linda's Racist, Sexist BoyReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Mega Happy Hour Zoom Call - you can interact with not just me and Harry Dunn, Andy McCabe, and Dana Goldberg. They'll all be there this Friday 5/23/2025 at 7 PM ET 4 PM PT. Plus, you'll get these episodes ad free and early, and get pre-sale tickets and VIP access to our live events. You can join at patreon.com/muellershewrote for as little as $3 a month. Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, BlueSky|@muellershewrote , Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, Twitter|@MuellerSheWrote,Dana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

How a sick obsession is killing workers, democracy, and our planet…See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Levels of Financial Goals You Need to Reach By Every Age: https://youtu.be/SlP7XWbYMsI Invest in yourself today: https://www.alux.app We put together a FREE Reading List of the 100 Books that helped us get rich: https://www.alux.com/100books

How can daily habits lead to massive financial success? In this episode of The Manifested Podcast, Kathleen Cameron explains how connecting your habits with your spiritual path can unlock true abundance. She shares how tapping into the ‘God essence within' and mixing discipline with self-love can change your mindset and help you manifest wealth and growth. Ready to build powerful new habits? This episode is for you.   In this episode: Tap into your inner spirit to unlock abundance. Develop habits that blend human and spiritual insight. Consistency and discipline turn dreams into reality. Act from abundance, not lack. Trust your inner certainty for success.     Shop Iylia Premium Non-Alcoholics: https://iylia.com/   Subscribe To The Manifested Podcast With Kathleen Cameron: Apple Podcast | YouTube | Spotify Connect With The Kathleen Cameron: Facebook | Instagram | LinkedIn | Youtube | TikTok | Kathleencameronofficial.com   Unlock Your Dreams with House of ManifestationA community where you take control of your destiny, manifest your desires, and create a life filled with abundance and purpose? Look no further than the House of Manifestation, where your transformation begins: https://houseofmanifestation.com/ About Kathleen Cameron: Kathleen Cameron, Chief Wealth Creator, 8-figure entrepreneur, and record-breaking author. In just 2 years, she built a 10 Million dollar business and continues to share her knowledge and expertise with all of whom she connects with.  With her determination, unwavering faith, and powers of manifestation, she has helped over 100,000 people attract more love, money, and success into their lives. Her innovative approaches to Manifestation and utilizing the Laws of Attraction have led to the creation of one of the top global success networks, Diamond Academy Coaching, thousands of students have been able to experience quantum growth. The force behind her magnetic field has catapulted many students into a life beyond their wildest dreams and she is just getting started. Kathleen helps others step into their true potential and become the best version of themselves with their goals met. Kathleen graduated with two undergraduate degrees from the University of Windsor and the University of Toronto with a master's degree in nursing leadership. Her book, “Becoming The One", published by Hasmark Publishing, launched in August 2021 became an International Best Seller in five countries on the first day.    This Podcast Is Produced, Engineered & Edited By: Simplified Impact

Is Kylie getting jealous in relationship with Timmy? Breaking news that Hailey Bieber is nearly a Billionaire and some Reality Casting news in the Dirt alert. Plus Driving is hard for some people.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Billionaire iron magnate Andrew Forrest believes he's on the cusp of a breakthrough to decarbonise shipping and heavy industry using hydrogen. As the Executive Chairman of the Fortescue, one of the world's largest iron ore companies, Andrew Forrest is not an easy to pigeonhole industrial billionaire. He built Fortescue into a hugely successful company, partly thanks to his belief in taking unconventional paths. After a serious accident meant he had to take a break from work, he enrolled in a PhD in marine science. For over a decade now, has been very vocally committed to getting his company's practices aligned with a climate-safe pathway. More recently, he's also been shaking fellow CEOs and leaders out of climate complacency by highlighting the risks of lethal humidity. This week on Cleaning Up, Bryony Worthington asks Andrew about the current climate crusade he's on, what he makes of the recent policy decisions taken by the International Maritime Organization (IMO) to agree carbon penalties for highly emitting ships, and if hydrogen can compete with renewables to be the power source of the future. Leadership Circle:Cleaning Up is supported by the Leadership Circle, and its founding members: Actis, Alcazar Energy, Davidson Kempner, EcoPragma Capital, EDP of Portugal, Eurelectric, the Gilardini Foundation, KKR, National Grid, Octopus Energy, Quadrature Climate Foundation, SDCL and Wärtsilä. For more information on the Leadership Circle, please visit https://www.cleaningup.live. Discover More:Fortescue's website: https://www.fortescue.com/enThe Sierra Leone Special: https://youtu.be/z-5QjSfy2SMHydrogen Insider: 'The market didn't turn up' | Fortescue's green hydrogen boss exits the company: https://www.hydrogeninsight.com/production/the-market-didn-t-turn-up-fortescues-green-hydrogen-boss-exits-the-companyClean Hydrogen's Missing Trillions - Audioblog 13: https://www.youtube.com/watch?v=jNxCrQyCTpk

Krystal discusses pro-Trump billionaires trash budget bill, Schulz and Charlemagne demand Dem socialism, Trump says Putin went crazy. Majority Report: https://www.youtube.com/channel/UC-3jIAlnQmbbVMV6gR7K8aQ Aaron Bastani: https://www.amazon.com/Fully-Automated-Luxury-Communism-Bastani/dp/1786632624 To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.com Merch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.

News Day Tuesday! More discussion of Trump's Big Billionaire Bill and the ongoing horror in Gaza backed up by our government. In the fun half, Jordan Peterson gets destroyed by Atheists and Trump has reasons to thank god. Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityreport Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase! Check out today's sponsors: • JUST COFFEE: Go to https://JustCoffee.coop and use coupon code MAJORITY for 10% off your purchase! • FAST GROWING TREES: Get 15% off your first purchase at https://FastGrowingTrees.com/majority • STORY WORTH: Get $10 off your first purchase at https://StoryWorth.com/MAJORITY • NAKED WINES: To get 6 bottles of wine for $39.99, head to https://NakedWines.com/MAJORITY and use code MAJORITY for both the code AND PASSWORD   Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech @RussFinkelstein Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder – https://majorityreportradio.com/

Most of us don't have the time, energy, or bandwidth to do anything extra right now, but I hope these guides can be a reminder that there are lots of different ways to engage on a practical level, on any scale.As long as you're alive, you're engaging and that's truly enough. BUT, if you have been feeling the same kind of "listless" that I have, ideally one of these tactics can motivate you (and me) to engage more enthusiastically because there are people are already out there doing the thing, and once you start to create WITH them, you'll start to feel less listless (and less defeated).There are limitless opportunities + countless ways to engage. Find one. Start small, but start somewhere.The Main Source: https://choosedemocracy.us/what-can-i-do/Other Sources:Useful Trainings in a Trump Era: https://choosedemocracy.us/trainings-in-a-trump-era/See if local actions are happening near you: https://www.mobilize.us/Indivisible is doing some cool work + has great action items: https://indivisible.org/couphttps://indivisible.org/resourcesWe should be calling our representatives (+ reminding them they work for us): https://5calls.org/Billionaire resistance: https://www.teslatakedown.com/ AND https://www.change.org/p/dear-t-mobile-ditch-the-starlink-partnershipFor Security Forces: https://www.nonviolent-conflict.org/blog_post/for-members-of-security-forces-a-guide-to-supporting-pro-democracy-movements/Deep Canvass https://deepcanvass.org/Tax Resistance: https://actionnetwork.org/forms/we-will-not-give-money-to-a-king/GET AN OCCASIONAL PERSONAL EMAIL FROM ME: www.makeyourdamnbedpodcast.comTUNE IN ON INSTAGRAM FOR COOL CONTENT: www.instagram.com/mydbpodcastOR BE A REAL GEM + TUNE IN ON PATREON: www.patreon.com/MYDBpodcastOR WATCH ON YOUTUBE: www.youtube.com/juliemerica The opinions expressed by Julie Merica and Make Your Damn Bed Podcast are intended for entertainment purposes only. Make Your Damn Bed podcast is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. Get bonus content on PatreonSupport this show http://supporter.acast.com/make-your-damn-bed. Hosted on Acast. See acast.com/privacy for more information.

HEADLINES:• Saudi Arabia Denies Alcohol Legalization Rumors Amid World Cup Buzz• UAE will Become the First Country to Offer Free ChatGPT Plus to All Residents• Saudi Arabia and Kuwait Strike New Oil in Partitioned Zone• Piers Morgan's Shift on Gaza Reflects Global Moral Shift, Says Khalaf Al Habtoor• Middle East's Wealthy Family Offices are Look to the West

Billionaire hedge fund manager Paul Tudor Jones recently warned that artificial intelligence poses an “imminent threat” to humanity, with a 10% chance it could lead to catastrophic loss of life within 20 years. But while Jones acknowledges the danger, he stops short of identifying the real cause: the reckless, profit-driven race among Big Tech firms and national powers to dominate AI at any cost. We also reveal what Jones doesn't mention: the growing integration of AI into nuclear command and control systems. AI doesn't have to lead us over the edge. Under democratic public ownership, it could help solve the climate crisis—but in the hands of tech monopolies and the military, it could destroy us.

Debbie Dobbins joins us for an interesting chat about creating wealth and getting through you blockages about money and success.   We talk about baby metaphysics, your brain - little ai directing traffic, the body - your bank statement, gratitude, Jesus talking to the Devil, reticular vision, spiritual laws, future journaling, her struggle with cancer and the medical community and learning about sound frequencies.   What is the real metaphysical value of a side hustle?   In the second half we chat about starting at the bottom, using the tools, never too late to start over, mindset over cancer, making up stories, addiction, micromanaging the universe, imagining the future desire, the types of money person you are, making up stories, and the prosperity challenge.   divinewealthactivator.com code WEALTH https://www.amazon.com/YOUR-INNER-BILLIONAIRE-Debbie-Dobbins/dp/B0DS67P366 https://thedebbiedobbins.com/queens-circle/   To gain access to the second half of show and our Plus feed for audio and podcast please clink the link http://www.grimericaoutlawed.ca/support.   For second half of video (when applicable and audio) go to our Substack and Subscribe. https://grimericaoutlawed.substack.com/ or to our Locals  https://grimericaoutlawed.locals.com/ or Rokfin www.Rokfin.com/Grimerica Patreon https://www.patreon.com/grimericaoutlawed   Support the show directly: https://grimericacbd.com/ CBD / THC Tinctures and Gummies https://grimerica.ca/support-2/ Eh-List Podcast and site: https://eh-list.ca/ Eh-List YouTube: https://www.youtube.com/@TheEh-List Our Adultbrain Audiobook Podcast and Website: www.adultbrain.ca Our Audiobook Youtube Channel:  https://www.youtube.com/@adultbrainaudiobookpublishing/videos Darren's book www.acanadianshame.ca Check out our next trip/conference/meetup - Contact at the Cabin www.contactatthecabin.com Other affiliated shows: www.grimerica.ca The OG Grimerica Show www.Rokfin.com/Grimerica Our channel on free speech Rokfin Join the chat / hangout with a bunch of fellow Grimericans  Https://t.me.grimerica https://www.guilded.gg/chat/b7af7266-771d-427f-978c-872a7962a6c2?messageId=c1e1c7cd-c6e9-4eaf-abc9-e6ec0be89ff3   Leave a review on iTunes and/or Stitcher: https://itunes.apple.com/ca/podcast/grimerica-outlawed http://www.stitcher.com/podcast/grimerica-outlawed Sign up for our newsletter http://www.grimerica.ca/news SPAM Graham = and send him your synchronicities, feedback, strange experiences and psychedelic trip reports!! graham@grimerica.com InstaGRAM https://www.instagram.com/the_grimerica_show_podcast/  Purchase swag, with partial proceeds donated to the show www.grimerica.ca/swag Send us a postcard or letter http://www.grimerica.ca/contact/ ART - Napolean Duheme's site http://www.lostbreadcomic.com/  MUSIC Tru Northperception, Felix's Site sirfelix.bandcamp.com 

Fresh from unbuckling their seatbelts on the Gliding Guru luxury jet and mooring the show's mega-yacht, our decoders are feeling an unexpected surge of empathy for their last decoding subject, Gary Stevenson. It turns out that a bit of jet-lagged decadence really hones one's sensitivity to wealth inequality. Or maybe it's just the natural response to voluntarily subjecting yourself to the truly insufferable world of the All-In podcast.That's right, this week you can vibe to the philosophical musings of a couple of Silicon Valley moguls, Chamath Palihapitiya, David Sacks, Jason Calacanis, and David Friedberg or as they call themselves: the Dictator, the Rainman, the Moderator, and the Sultan (yes, really).Revel in their tales of private jets, $500K club memberships, and their noble quest to cut food stamps while engaging in hyper-elitist MAGA cheerleading. Plug in for a first-class tour through cognitive dissonance, private-jet populism, and your regular prescription of alternative media grievance mongering and conspiracy hypothesising.Perfect for anyone who enjoys listening to the top 0.01% share their insights and deep connection with the common man's struggles. Enjoy... because we certainly did not!SourcesAll-In Podcast: Trump's First 100 Days, Tariffs Impact Trade, AI Agents, Amazon Backs DownAll-In Podcast: Trump wins! How it happened and what's nextAll-In Podcast: The Great Tariff Debate with David Sacks, Larry Summers, and Ezra KleinAll-In Podcast Website

Friday, May 23rd, 2025Today, House Republicans voted to pass the Billionaire Bailout Bill gutting Medicaid, Medicare, food assistance and climate tax credits to pay for tax cuts for the ultra wealthy; a federal judge has blocked the Trump administration from dismantling the Department of Education; another federal judge blocked Trump from revoking international students' legal status; minutes before that - the Trump administration blocked Harvard from enrolling international students; the White House has purged transcripts of Trump's remarks from its website; two Israel embassy staffers were shot at close range after an event in DC outside the Capital Jewish Museum Wednesday night; the full DC Circuit panel has allowed Trump to defund the Voice of America; DHS staffers quit over Kristi Noem's four hour polygraph loyalty tests; surprise surprise Musk's SpaceX is the frontrunner to build Trump's Golden Dome missile shield; Greenland has signed a mineral deal with Europe; Tim Walz says it would be a mistake for Democrats to abandon trans people; and Allison and Dana deliver your Good News.Thank You, PiqueLifeGet 20% off on the Radiant Skin Duo, plus a FREE starter kit at Piquelife.com/dailybeansAG is hosting - NO KINGS Waterfront Park, San Diego - Sat June 14 10am – 12pm PDTDonation link - secure.actblue.com/donate/fuelthemovementMSW Media, Blue Wave California Victory Fund | ActBlueMega Happy Hour Zoom Call - you can interact with not just me and Harry Dunn, Andy McCabe, and Dana Goldberg. They'll all be there this Friday at 7 PM ET 4 PM PT. Plus, you'll get these episodes ad free and early, and get pre-sale tickets and VIP access to our live events. You can join at patreon.com/muellershewrote for as little as $3 a month.Guest: John FugelsangTell Me Everything — John FugelsangThe John Fugelsang PodcastSiriusXM ProgressJohn Fugelsang (@johnfugelsang.bsky.social) — BlueskyPre-order Separation of Church and Hate: A Sane Person's Guide to Taking Back the Bible from Fundamentalists, Fascists, and Flock-Fleecing Frauds by John FugelsangStories:May 22, 2025 - DC Jewish museum shooting, two Israeli embassy staffers killed, Elias Rodriguez is suspect | CNNRepublicans pass Trump bill while trying to hide Medicaid, SNAP cuts | MSNBCExclusive: Musk's SpaceX is frontrunner to build Trump's Golden Dome missile shield | ReutersStaffers quit over Kristi Noem's 4-hour 'fishing expedition' polygraphs: report | Raw StoryWhite House purges transcripts of Trump's remarks from its website | NBC NewsTrump Administration Says It Is Halting Harvard's Ability to Enroll International Students | The New York TimesFederal judge blocks immigration authorities from revoking international students' legal status | Los Angeles TimesJudge blocks Trump bid to dismantle Department of Education | POLITICOGreenland gives Danish-French group permit to mine rock with green potential, in wake of Trump interest | ReutersGood Trouble: Use the five calls app or just pick up the phone and call your senator. Remind them that Trump doesn't have to get re-elected, but they do. They need to keep their hands off our medicare, medicaid, and food assistance because we are NOT OK with them taking OUR money to give themselves tax breaks. Call them every day. Pick a time and take a minute to keep reminding them who they work for. Remind them that WE are the government, NOT them, and that they can be replaced if they abandon us.5calls.org Contacting U.S. SenatorsFind Upcoming Demonstrations And Actions:50501 MovementJune 14th Nationwide Demonstrations - NoKings.orgIndivisible.orgShare your Good News or Good Trouble:dailybeanspod.com/goodFrom The Good NewsCooperative Innovative High Schools | NC DPIStudents with Disabilities Under the IDEA, Section 504, and the ADA | Congress.govBookshareNew Jersey Legislative Roster of Members | NJ Legislaturegcpetpals.orgMountain Pet RescueSoul Dog RescueNYC SaltReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Mega Happy Hour Zoom Call - you can interact with not just me and Harry Dunn, Andy McCabe, and Dana Goldberg. They'll all be there this Friday 5/23/2025 at 7 PM ET 4 PM PT. Plus, you'll get these episodes ad free and early, and get pre-sale tickets and VIP access to our live events. You can join at patreon.com/muellershewrote for as little as $3 a month. Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, BlueSky|@muellershewrote , Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, Twitter|@MuellerSheWrote,Dana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

Ryan Grim joins us to unpack the brutal consequences of the GOP's latest “Big, Beautiful Bill”—who's getting crushed and who's cashing in. We also look at why a Democratic Senator from Michigan is teaming up with Republicans to kneecap the EPA, and cover Israel's ongoing genocide in Gaza.   Check out  @DropSiteNews  on YouTube: https://www.youtube.com/@DropSiteNews Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityreport Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase! Check out today's sponsors: • JUST COFFEE: Go to https://JustCoffee.coop and use coupon code MAJORITY for 10% off your purchase! • SUNSET LAKE: Head on over to https://SunsetLakeCBD.com and use code Memorial25 for 35% off all Say-Bay-Day tinctures. Sale ends May 26th at midnight • FAST GROWING TREES: Get 15% off your first purchase at https://FastGrowingTrees.com/majority • DELETEME: Text MAJORITY to 64000 for 20% off your DeleteMe subscription   Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech @RussFinkelstein Check out Russ' podcast the New Yorker Political Scene Scene: https://rss.com/podcasts/newyorkerpoliticalscenescene/ Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder – https://majorityreportradio.com/

Robert Hersov compares South Africa to 1930s Germany, warning of economic genocide against whites through racist policies, land seizures, and farm murders. He praises Trump for granting refugee status and blasts media silence. A million whites have fled, but many are trapped with no way out.

Robert Hersov returns to South Africa after 31 years and exposes the country's political decay. From state capture and BEE extortion to expropriation without compensation, he calls out the ANC's racist, socialist policies, blaming Zuma and Ramaphosa for destroying a once-thriving nation.

Robert Hersov breaks down why foreign investment in South Africa is collapsing. He calls out black economic empowerment as a corrupt elite scam, exposes Cyril Ramaphosa's failures, and recalls Jacob Zuma's disturbing rape trial defense that stunned the world. A brutal reality check on SA.

WE'RE ON TOUR! Get Your Tickets Here: https://floridatourida.com/ In this episode of Ninjas Are Butterflies, we dive into the wildest headlines that feel like they were ripped straight from a sci-fi novel. First, we unpack the bizarre plan of a Walmart billionaire who wants to build a utopian city from scratch in the middle of the desert. Is it the future of urban living or just a really expensive Sims game? Then, things heat up—literally—as we talk about the massive underwater volcano discovered off the West Coast of the United States. Should we be worried, or is it just another reminder that the Earth is constantly trying to kill us? Finally, we head to the swamps of Florida to meet the legend, the myth, the smelliest cryptid of them all: the Skunk Ape. Is Florida's version of Bigfoot real, or just another guy who didn't shower after a Gator game? Join us for conspiracy theories, questionable science, and plenty of laughs as we tackle the weirdest news on the internet.This episode has everything: dystopian dreams, seismic nightmares, and cryptid creatures lurking in the humidity. Tune in for laughs, theories, and more questions than answers. New episodes weekly. Follow us now so you don't miss the next unbelievable story. Get MORE Exclusive Ninjas Are Butterflies Content by joining our Patreon:  https://www.patreon.com/NinjasAreButterflies NEW EPISODES EVERY FRIDAY @ 6AM EST! Ninja Merch: https://www.sundaycoolswag.com/ Start Your Custom Apparel Order Here: https://bit.ly/NinjasYT-SundayCool Keywords: utopian desert city, Walmart billionaire city, underwater volcano US West Coast, Florida Skunk Ape, Bigfoot Florida, weird news podcast, strange news stories, Ninjas Are Butterflies, cryptid podcast, bizarre headlines podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Forbes explains why a new 3.5% levy on remittances in congressional Republicans' "Big Beautiful Bill" should be scrapped immediately—or we will see a sharp uptick in money laundering.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We're back to react to a wild night in the NBA, one where Aaron Nesmith island was proclaimed a global sovereign nation after a wild finish between the Indiana Pacers and the New York Knicks. Plus, the Boston Celtics get a billion dollar cash injection, Jayson Tatum finishes high in MVP rankings, and Derrick White misses out on all-defense.

In episode 1868, Jack and guest co-host Pallavi Gunalan are joined by comedian and co-host of The Worst Idea Of All Time, Tim Batt, to discuss… Climate Change OG, Have the Experience of Stealing From a Porch Without All the Risk, Kevin Spacey Compares Himself To Victims Of The Blacklist During Unhinged Cannes Speech, Is The World The Way It Is Because Billionaires Are Too Dumb To Understand A Sci-Fi Book Series? And more! Dallas Comedy Club Presents: PALLAVI GUNALAN Climate Change OG Have the Experience of Stealing From a Porch Without All the Risk Kevin Spacey faces another civil sexual assault lawsuit in UK Fact check: Is Kevin Spacey really being honoured at Cannes? 'Nice to be back,' Kevin Spacey says, accepting achievement award in Cannes Writers Guild Censures ‘Schooled’ Showrunner Tim Doyle for Posting Lynching Image in Facebook Joke Kevin Spacey Compares His Plight to Hollywood Blacklist in Fiery Defense in Cannes: History ‘Often Repeats Itself’ Writers Guild Scribe Apologizes for “Epically Horrible” Joke Gone Wrong Using Lynching Image The Culture War: Iain M. Banks’s Billionaire Fans - Why Elon Musk and Jeff Bezos love Iain M. Banks’ anarcho-communist space opera. Why does Elon Musk love this socialist sci-fi series? Jeff Bezos: ‘We will have to leave this planet … and it’s going to make this planet better’ Elon Musk Names SpaceX Drone Ships in Honor of Iain M. Banks 30 years of Culture: what are the top five Iain M Banks novels? Amazon TV adaptation of Iain Banks' Culture series is cancelled A man of culture Ethical future? Science fiction and the tech billionaires Jack's Piece of Media: Future Adam Curtis B-Roll LISTEN: Little Things by Still WoozySee omnystudio.com/listener for privacy information.

Steve Forbes explains how U.S. fecklessness could allow Vladimir Putin to pull off a victory in Ukraine—and warns that a successful act of aggression by Russia will only embolden China's expansionist aims.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Let's check in on the super-rich and why they're creeping into our newsfeed. Featuring Eric Peterson, Martha Chaves, Tom Howell, Alice Moran and Jim Cuddy of Blue Rodeo.

This epsiode is brought to you by The Wealth Consciousness Experience. Join me for the #1 Women's Empowerment Event that will quantum leap you into the version of yourself that attracts EFFORTLESS wealth. The woman you're becoming is right on the other side of this immersive experience.  In this episode of The Unapologetically Rich Show, Shamina Taylor breaks down what it truly means to be a RICH woman. She explores how your internal programming influences your relationship with money—and how, despite having wealth, many still live with a scarcity mindset. Join The Highest Cash Month Challenge May 27th and 28th at 11am CST: https://link.shaminataylor.com/highest-cash-month-challenge-og-m Did you HEAR? We are launching a NEW SERIES on The Unapologetically Rich Show. Make sure to follow us Instagram for the behind the scenes SNEAK PEAK! How to BECOME Unapologetically Rich yourself:  ✨Grab your ticket for our in-person event in West Loop, Chicago October 2nd-3rd: The Wealth Consciousness Experience

Politics is getting in the way of making good financial decisions. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Tim and Guy discuss smoking, share their engagement stories (including Tim becoming amazingly ill on a Michelin Star 10-course seafood dinner in Kyoto, Japan) and Guy following up offering his ring to Chelsie followed by some Netflix. It's also probably about the hour to call time on the Bryan Johnson - the man attempting to defy God (and honorary Billionaire). Hosted on Acast. See acast.com/privacy for more information.

Alex Lawson, Social Security Works - Are you ready for $500 Billion in Medicare & Medicaid cuts to pay for the Billionaire's Tax Cuts??? Crazy Alert! Rightwingers, believing Russian propaganda designed to cause death in America, are insisting Biden's cancer came from the Covid shot. World news...As Israel starves and destroys GAZA, Orban has a bigger plan to muzzle dissent.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Christine Lee breaks down the latest news in the crypto industry as U.S. President Donald Trump's memecoin VIP dinner is generating buzz.U.S. President Donald Trump's memecoin VIP dinner is generating buzz, Vivek Ramaswamy's Strive targets $8B worth of Mt. Gox bitcoin claims for a BTC reserve, and the SEC charges Unicorn with $100M securities fraud. CoinDesk's Christine Lee hosts "CoinDesk Daily."-This episode was hosted by Christine Lee. “CoinDesk Daily” is produced by Christine Lee and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Steve Forbes urges President Trump and his team to go back to following the Laffer Curve, economist Art Laffer's economic formula which fueled the American comeback of the 1980s and 1990s, in order to unleash today's economy and make a brighter future.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

With Trump's second major tax bill clearing committee and heading to the House floor—packed, as promised, with massive giveaways to the ultra-wealthy—we're revisiting our timely conversation with Samantha Jacoby of the Center on Budget and Policy Priorities. Originally recorded before Trump's reelection, this episode breaks down the real impact of the tax bill that Trump signed into law back in 2017: trillions added to the deficit, corporations and billionaires cashing in, and working families left behind. Spoiler alert: the rich get richer, and everybody else gets screwed. As Congress considers doubling down on the same failed policies, this conversation couldn't be more relevant. Samantha Jacoby is the Deputy Director of Federal Tax Policy with the Center's Federal Fiscal Policy division. Samantha focuses on U.S. federal income tax issues, including corporate and business taxation, individual income taxation, and climate tax policy. ⁠This episode originally aired March 19, 2024.⁠ Social Media: ⁠@centeronbudget.bsky.social⁠ ⁠@jacsamoby⁠ ⁠@CenterOnBudget⁠ Further reading:  ⁠Ten Questions on House Republicans' Upcoming Tax Bill⁠ ⁠The 2017 Trump Tax Law Was Skewed to the Rich, Expensive, and Failed to Deliver on Its Promises⁠ Website: ⁠http://pitchforkeconomics.com⁠ Instagram: ⁠@pitchforkeconomics⁠ Threads: ⁠pitchforkeconomics⁠ Bluesky: ⁠@pitchforkeconomics.bsky.social⁠ Twitter: ⁠@PitchforkEcon⁠, ⁠@NickHanauer⁠, ⁠@civicaction⁠ YouTube: ⁠@pitchforkeconomics⁠ LinkedIn: ⁠Pitchfork Economics⁠ Substack: ⁠The Pitch⁠

Today I'm joined by Ernie Boch Jr., CEO of Subaru of New England. We go behind the scenes of his billion-dollar Subaru distribution empire, how he's influencing Subaru's design strategy, his #1 message to dealers facing the reality of tariffs—and much more. This episode is brought to you by: 1. CDK Global - CDK SimplePay is the only payment solution that's built into CDK solutions for unrivaled reliability and financial efficiency. To learn more or schedule a demo visit http://www.CDK.com/simplepay 2. Kenect - The platform auto dealers are using to gather reviews, generate leads, and improve their online reputation, all powered by AI. – @ http://www.kenect.ai 3. Nomad Content Studio - Most dealerships still get social media wrong—ignoring it, posting boring inventory photos, or handing it off to someone without a plan. Meanwhile, the dealer down the street is pulling millions of views and closing real car deals. That's where Nomad Content Studio comes in. They're the team behind dealers like Paragon Honda, Benzs & Bowties, and EV Auto. Nomad trains your videographer, guides what to film, then edits and posts across every platform for you. Want your dealership to be next? Head to http://www.trynomad.co Need help finding top automotive talent? Get started here: ⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠ Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠⁠⁠⁠⁠https://cdgpartner.com⁠⁠⁠⁠⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠⁠⁠⁠⁠https://bit.ly/3Suismu⁠⁠ Topics: 00:16 How did family legacy shape you? 01:37 Key moments in business evolution 05:59 Biggest auto industry challenges today? 07:45 What makes NE distribution unique? 19:43 How creativity impacts advertising strategies? 22:00 How to maintain OEM relationships? 24:10 Key lessons from Japan trips 30:32 Most promising auto tech innovations 32:07 Future of dealerships - predictions Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠ This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

In our first Headlines episode, Bob Fraser joins Ben to talk about the big question on many Aspen investors' minds: are we heading towards a recession? With tariff news and trade war threats dominating the news cycle, it's easy to get worried, so Bob and Ben are taking a look at what the data says and its impact for investors. Find out more at www.thebillionairepodcast.com/⁠ and preorder the Invest Like a Billionaire book ⁠⁠www.thebillionairebook.org/⁠Check out Ben & Bob's company and invest along at aspenfunds.us/⁠

Bobby shared a list of the Top 10 Highest Grossing artists of all-time and how Alan Jackson announced he is retiring from touring. Bobby tried to figure out what Alan Jacson songs he has about a woman with big hands and an Adam’s apple. Lunchbox shared a story about a music executive who files for divorce having no prenup. Bobby calls out someone who is doing something they are way too old for. We also try to figure out our next live stream competition and we talked about bringing back the BBS Olmypics.See omnystudio.com/listener for privacy information.

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.    

Notes from James:The biggest lie about writing is that it takes years. I've written multiple books in less than a month—including bestsellers. With the right system, anyone can do this.In this episode, I break down how to structure your first book and why your life experience, not your grammar, is your superpower. You'll also hear my take on AI writing, and why your personal story is something no algorithm can ever replicate.Episode Highlights:Yes, you really can write and publish a great book in 30 days. In Part 2 of this writing series, I walk you through the actual systems that make it not only possible—but repeatable.You'll learn four powerful “meta-outline” frameworks you can use to organize any non-fiction book quickly and clearly. I'll show you how I wrote Think Like a Billionaire in under 30 days using one of these frameworks, and how authors I know have launched entire careers with similar methods (some even in just three days). I also dive deep into one of the most important—but most overlooked—parts of writing a book: your first sentence. You'll hear legendary first lines from some of the world's best authors and learn why they work.This episode is a blend of process and artistry—because writing a great book requires both.This episode is sponsored by BetterHelp.Give online therapy a try at betterhelp.com/JAMES and get on your way to being your best self.What You'll Learn:4 concrete frameworks that will help you write a 20+ chapter book fastThe myth of needing years to write a book (and how to break it)How I turned podcast interviews with billionaires into a full book in less than a monthWhy your first sentence matters more than your title—and how to make it irresistibleHow to write with authenticity, vulnerability, and momentumWhy AI can't replace you—and never will—when it comes to storytellingTimestamps00:00 Introduction: Writing a Book in 30 Days00:54 The Four Frameworks for Writing02:03 Example: Think Like a Billionaire05:10 Overcoming Writing Myths13:14 AI and the Future of Writing20:47 The Power of a Strong First Line23:51 Exploring the Opening Lines of Iconic Novels24:14 Ralph Ellison's Invisible Man: A Civil Rights Era Classic25:04 Jack Kerouac's On the Road: A Journey of Rediscovery27:23 Gabriel Garcia Marquez's 100 Years of Solitude: A Nobel-Winning Masterpiece30:54 Kurt Vonnegut's Slaughterhouse-Five: A War Story with a Twist34:20 Jennifer Egan's Welcome to the Goon Squad: A Pulitzer Prize Winner35:25 Charles Bukowski's Post Office: A Tale of Mistakes and Realities38:57 William Gibson's Neuromancer: The Birth of Cyberpunk40:16 The Importance of First Lines in Storytelling42:36 Crafting Relatable and Vulnerable NarrativesP.S. Want to go deeper? Check out my full course on Udemy or visit chooseyourselfacademy.com: How to Write and Publish a Book in 30 Days – available now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

ITALY: MILAN BILLIONAIRES. LORENZO FIORI. 1790 MILAN

#608: At age seven, Robert Rosenkrantz made a decision that would shape his entire life: he would take full responsibility for his future.As a child, Rosenkrantz watched his parents struggle financially. His father was unemployed for two years, and his mother worked as a drugstore clerk.Their financial insecurity was painfully obvious to young Robert. He never knew if the electricity or telephone service would be shut off.But rather than seeing this as an obstacle, he saw it as a path to self-reliance.By age 14, Rosenkrantz was managing investments for his family. By 35, he had amassed $400,000 — equivalent to about $4 million today. Then came the pivotal moment that changed everything: a negotiation with wealthy entrepreneur Joe Mailman.When Mailman expressed concerns about traditional investment structures that created a "heads you win, tails I lose" scenario, Rosenkrantz made a bold counter-offer. He put his entire liquid net worth at risk in exchange for a 50/50 profit split with no carried interest."First deal, we lost $100,000. The second one, we made $100 million," Rosenkrantz says during the interview. "So it averaged out."Now 82, Rosenkrantz joins us to discuss his book, "The Stoic Capitalist," and the principles that guided his career.For over 35 years, he's carried the same negotiation card from "Getting to Yes" in his wallet — a reminder that negotiation isn't about winning, but solving problems together.We talk about his counterintuitive investment philosophy: look for companies that require minimal specialized talent, like laundromats or self-storage facilities. He says these often make better investments than those needing exceptional management, like restaurants.This principle guided his first major success, a lawn and garden products business that essentially put dirt in bags — a simple operation that became a regional monopoly and eventually sold for $100 million.Today, Rosenkrantz funds scientific research on longevity and hosts debate programs that present balanced perspectives on contentious issues. His philanthropy includes backing a groundbreaking study that has extended worm lifespans from 15 days to over 250 days — potentially the longest lifespan extension ever achieved in any organism.When asked about retirement, he responds: "How do you spell that?"His advice for decision-making comes straight from stoic philosophy: focus only on what you can control — the present and future, not the past. This means disregarding sunk costs completely when making decisions and using reason to regulate emotions. For Rosenkrantz, counting the zeros — focusing only on opportunities with enough potential impact — helps prioritize time and delegate effectively. At 82, he still practices these principles daily, considering himself "biologically more like 70 and getting younger." Learn more about your ad choices. Visit podcastchoices.com/adchoices