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Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

For the first time we are simultaneously recording alongside another podcast. The podcast in question? The Book of Life, which has been in existence for a good 20 years now (this month!). And let me tell you... when it comes to Jewish children's literature content on a podcast? There really isn't anyone else that can match synagogue librarian Heidi Rabinowitz. She knows what she's doing. Today, she is joining us to talk about a very special book for our Hanukkah episode. Our podcast requires books to be 20 years old and Heidi's podcast is, itself, 20 years old. So we're doing a Hanukkah book that's 20 years old as well! She discusses interviewing Sims Taback, the demystification of Judaism through Jewish children's books, and the dangers of silo-ing Jewish literature. For the full episode Show Notes, look no further than here: https://afuse8production.slj.com/2025/11/30/fuse-8-n-kate-with-special-guest-heidi-rabinowitz-the-borrowed-hanukkah-latkes-by-linda-glaser-ill-nancy-cote/

Ashley Cook is here to kick off WIKY's annual Ton of Toys to benefit Borrowed Hearts who provide everything for a foster kid perhaps the most forgotten child at Christmas. A brand new unwrapped toy or $20 is all we ask! Drop off locations and live donation links at WIKY.com! See omnystudio.com/listener for privacy information.

The conspiracy charge, borrowed from Nuremberg, was awkward given the rivalries within the splintered Japanese government. The legal foundation for Class A (aggressive war) relied on treaties like the Kellogg-Briand Pact. This 1928 pact made aggressive war illegal but failed to establish individual criminal responsibility or penalties. All surviving defendants were convicted of at least one charge, receiving mixed verdicts.

We explore how a 1950s Harvard rat study reveals the power of hope, then turn it into three practical strategies to build belief: borrow confidence, recall rebounds, and practice self-cheering. Stories from training and obstacle races bring the ideas down to earth with clear, usable steps.• Why hope extends endurance and effort• Borrowing belief from trusted people when confidence is low• Turning past “sinks” into a rebound archive• Using physical examples to train mental courage• Practicing your own cheer with specific, repeatable reps• Framing wins by completion and growth, not placement• Setting a small challenge to build belief todayTake something away from every single one of our conversations and put it into practicehttps://aarondegler.com/

Out of margin? Whether you're navigating a new baby, a demanding job, a strained relationship, grief, or a big transition, this conversation gives you practical ways to stay grounded when life won't slow down. We share Romi's birth story and the grief that unexpectedly opened the door to peace, unpack why people "borrow" each other's nervous systems, and walk through simple, repeatable practices to regulate in real time—without perfection or spiritual jargon. Who This Is For (and Why It Helps) Parents and caregivers feeling stretched thin and reactive—learn how to co-regulate and repair. Singles and married couples without kids facing career pressure, loneliness, or change—use micro-practices to steady your inner world. Leaders, pastors, and coaches who carry others' emotions—discover how presence resets a room better than control. Anyone in transition or grief—see why honest sorrow can become the doorway to peace rather than a detour. You'll walk away with language for what's happening in your body, a kinder way to meet your triggers, and small steps that create real change. What You'll Learn How grief can make space for breakthrough (Romi's story) The pain–fear–tension loop and how to break it "Borrowed nervous systems": why your presence matters more than perfect words A clarifying question that transforms reactivity: "Why does this bother me?" Zero-margin tools: two breaths + one sentence, name the wave, orient to good, rhythm over rules, repair over perfection Chapters & Timestamps 00:00 When life feels unmanageable (why margin matters) 03:20 Grieving what's ending and how it made room (Romi's birth) 10:10 Pain–fear–tension: what bracing does to your body 16:45 Borrowed nervous systems: presence over control 23:00 The belief beneath the reaction: "Why does this bother me?" 31:15 Micro-practices for zero-margin moments (step-by-step) 38:00 Being parented by God so we can lead from peace   Learn more, find resources, or get in touch at: www.aliveandfreeconsulting.com

I Borrowed My Wife's Car   What I Found Changed Everything ｜ Family Revenge StoryBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2025-true-cheating-stories-podcast--5689182/support.

Podcast interview marketing is one of the fastest ways for health coaches to grow authority, expand reach, and attract right-fit clients—without living on social media. Strategist Chloe Williamson from Interview Valet explains how to guest on the right shows, borrow trust from vetted hosts, repurpose long-form interviews into evergreen content, and build a campaign aligned to your goals (education, client acquisition, or authority). What You'll Learn Why podcast guesting often outperforms hosting for lead generation and credibility How to pick shows strategically (audience fit, titles/descriptions, host style, discoverability) Research that matters: demographics, geography, trends, and topic data Chloe uses Messaging that converts: overcoming "bragging" reluctance, positioning, and clear offers Evergreen content playbook: turn one 45-minute interview into emails, reels, blogs, ads, and talks Busting the "saturation" myth in health and wellness Guesting without social media: leverage email/newsletters and communities Post-interview promotion that actually moves the needle (and what to ask the host) Setting realistic goals and reverse-engineering your guesting plan Key Topics & Flow Chloe's origin story and why guesting resonates in health & wellness Borrowed trust: how vetted hosts pre-warm their audiences Strategy vs. spaghetti: choosing shows, not just chasing downloads How to talk about yourself without feeling "braggy" Guesting > hosting for client leads (while both can coexist) Evergreen repurposing: interviews → emails, reels, blogs, talks, ads Seasons, replays, and keeping your feed ranking and discoverable "Niche down + niche out": expanding beyond a too-tiny avatar Defeating the oversaturation myth: everyone needs health Next steps: goal setting, outreach, prep, and post-show promotion   Action Steps for Health Coaches Set your primary goal: education/authority, client acquisition, or content creation. Build a show shortlist: audience fit, guest-friendly titles/descriptions, searchable show notes. Develop talk tracks: 3 core stories, 3 actionable tips, 1 clear call-to-action. Pitch with proof: outcomes, case examples, and a tailored angle for each host. Repurpose immediately: pull 5–10 clips/quotes, 1 newsletter, 1 blog, and 3 reels from each interview.   About Chloe Williamson Chloe Williamson is a strategist at Interview Valet, a white-glove podcast interview marketing agency. She partners with health and wellness professionals—physicians, clinicians, and health coaches—to design data-driven guesting campaigns that grow authority, expand audience reach, and generate qualified leads. If you enjoyed this episode, rate and review on Apple Podcasts—it helps us book stellar guests like Chloe. Share this episode with a fellow coach who's ready to start guesting strategically.

I Borrowed My Wife's Car   What I Found Changed Everything ｜ Family Revenge StoryBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2025-true-cheating-stories-podcast--5689182/support.

Borrowed from Mardi Gras - Laissez les bontemps rouler! Let the good times roll. By French law, on the Third Thursday of November the new Beaujolais wine may be released. It has been in the barrel and the bottle for about ten minutes. Okay, six months. It's a fun, fruity red wine that as Bob Burke says, you want to date, not marry...Ah, the French. So, he throws a party every November and it's here. The barrels are being rolled out in Providence RI and it has become a landmark in North America. You're invited. By the way, this wine pairs very well with turkey....

Daniel 5

Are you loving it? Send Ash a text! Hi friend. If last week had you wondering “okay, but how do you run a business without the apps?”...  This is the step-by-step guide. I audited where my sales actually came from, rebuilt my visibility around what works (and feels good), and let the rest go. Spoiler: less than 20% of my revenue traced back to social media and I was spending about 80% of my energy there. No more.This episode lays out the exact mix I'm using now: podcasting, email, collaborations, real relationships, and a curated community that keeps high-quality opportunities flowing without the scroll.TOPICS & TANGENTS: • The audit that shattered “I need social to sell” • What replaced the feed: podcasting and a weekly email with teeth • Borrowed trust: podcast guesting, bundles, and cross-promos that convert • Speaking, workshops, and warm intros over cold DMs • In-person networking that actually gives you energy • A curated connection hub (the “mixer mind”) and why I became a facilitator • How I think about “platforms” now, and why consistency > virality • Building a visibility flywheel you can sustain for yearsPOINT OF THE STORY:Visibility isn't a platform, it's a trust engine. Audit where your best clients really come from, double down there, and let your strategy serve your values, not the algorithm.MENTIONED IN THIS EPISODE: • Visibility audit (track sources for every sale) • Podcast guesting, bundles, and email swaps • The Mixer Mind — a curated connection community with peer pods, panels, and mix-and-mingles→ I believe in this space so deeply that I became a certified facilitator→ Join the FREE Mixer Mind event- Where's The Money In 2026? → Join through my affiliate link and receive a one-on-one call with me to personalize your visibility strategy and get the most out of the Mixer Mind. • Speaking + guest workshops as authority buildersMORE ABOUT ASHI am the definition of duality — I swear like a sailor and break rules like it's my job, but I also hold incredible space for my clients and work my ass off to help them achieve the success they're after. But I'm also here for the non-preneur woman, too. My background in counseling gives me a unique perspective on what it means to show up, serve, & create connection for those who feel like they've never belonged before. LINKS: Become the Regulated Woman Get emails that feel like your best friend (if your best friend was a therapist and actually told you the truth). Use code BB20 to get The Burnout Breakthrough for only $7 Follow me on IG (dropping in once a quarter for updates & gossip) Website: ashmcdonaldmentoring.com Work with me 1:1 Therapeutic Mentorship Business Therapy (therapy + strategic mentorship) ...

We trade cruise myths and Halloween quirks for a fog-soaked North Dakota hunt that turns into a rescue mission with a tractor, a stuck tow truck, and a missed steak reservation. Along the way we rant about Minnesota sports, praise a local band, and count candy for 1,700 kids.• Missing-the-boat worries and passport realities• Beggars Night, candy etiquette, and porch-light duty• 1,700 trick-or-treaters and crowd control• Local band with tight harmony and small-venue charm• Vikings frustration, clock management, and effort• North Dakota scouting, long bar pours, and a talkative landowner• Clay roads, dense fog, and getting stuck• Tow truck stuck, borrowed tractor, and DIY recovery• Late-night pizza instead of steak, lessons learnedGet your merch at www.brainsandbs.com“Hey, you guys want to start your own podcast? Go check out Buzzsprout... And don't forget to mention Eddie and Jay and Brains & BS.”Support the show

Time for your Trusted Handler and the Hard Slingers of Yore to pull back the curtain on Borrowed Souvenirs. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website! Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon! Find us on Apple Podcasts! https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472 Subscribe to our YouTube channel at: https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriber Spotify: https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLA Pandora https://pandora.app.link/WOmEP5Rf1Cb iHeart Radio: https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/ Amazon Podcasts: https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1 We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detail Also on Podbean https://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6 Just one more venue we can be found! https://www.delta-green.com/topics/debriefing/ Want to be a Hard Slinger and get cool swag? Join us on our Patreon page! https://www.patreon.com/rollthehard20podcast Contact your Trusted D.M. Brian! Visit the website at: https://www.rollthehard20podcast.com/ Email us at: rollthehard20podcast@gmail.com Want to represent the podcast? Check out our awesome shirts! https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1 Follow our social media footprints at: https://m.facebook.com/groups/202767550592121 https://instagram.com/rollthehard20?igshid=gjlo7p4lay72 https://twitter.com/rollthehard20?s=11 "Darkling", "Laser Groove" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/african-american-studies

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/african-american-studies

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

On this episode, Les is joined by former fanzine writer, sometime Blue Room podcaster, and all round top Toffee David Phillips. David shares his Everton memories, along with his favourite former player, current player, player he'd love to see at Everton, and his favourite thing about this thing of ours called Everton. Old. New. Borrowed. Blue. In a new feature of the show, we round off with Dave's Old. New. Borrowed. Blue. playlist. #everton #evertonfootballclub #evertonfc Want a little more from us? Try The Blue Room Extra for more than 20 hours extra content a month: https://www.patreon.com/TheBlueRoomExtra Learn more about your ad choices. Visit podcastchoices.com/adchoices

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/native-american-studies

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-south

Borrowed Land, Stolen Labor, and the Holy Spirit: The Struggle for Power and Equality in Holmes County, Mississippi (UP Mississippi, 2025) chronicles the profound history of a low-income county that became a pivotal site for Delta organizing during the civil rights movement. Landowning African American farmers, who enjoyed more economic independence than sharecroppers, emerged as the grassroots leaders of the movement. The volume begins with the county's Native American heritage, moving through the periods of removal, land sales to speculators, the rapid increase of enslaved labor in the nineteenth century, and early African American political engagement during Reconstruction. Author Diane T. Feldman explores how African Americans fostered cooperative landownership efforts in the 1880s and 1920s, alongside the development of schools and churches, particularly the Church of God in Christ, a denomination founded in Holmes County. The fight for voting rights started with African American farmers in the 1950s and gained momentum with the Student Nonviolent Coordinating Committee in the 1960s. Their struggle to desegregate schools culminated in the landmark Supreme Court case Alexander v. Holmes, which abolished dual school systems in the South. The final chapters cover the past sixty years and current initiatives to restore food production in the Mississippi Delta. Enriched with recent and historic photographs, this volume serves as a microhistory of a single county, illuminating broader themes prevalent throughout Mississippi and the rural South. Learn more about your ad choices. Visit megaphone.fm/adchoices

For over 10 years I hosted a nightly call-in show on DubaiEye called Nightline.In this podcast replay Stephanie McKay and I were asking our audience how they are dealing with personal debt.This podcast is as important today as it was in 2016 when it was broadcast in Dubai.In this clip a caller reminds us that credit is just borrowing and you will have to pay!Here are the links to the full podcast.https://youtu.be/PntXuGLj95Ehttps://spotifycreators-web.app.link/e/zUwMJ5zS1Xb

Click here to share your favorite car, car story or any automotive trivia!Fifteen years ago, Adam Olalde knocked on every supercar dealership and exotic car owner's door in Chicago with an audacious pitch: "Can I borrow your Ferrari? I'm putting together this cool thing."Enough people said yes. His first track day event? Pure comedy. No helmets, no walkie-talkies, just people in borrowed supercars told to "go that way." Most spun into the sand and never made it back around.He charged $150 (versus $2,000/day rentals). Thousands showed up. Light bulb moment achieved.Today, The Xtreme Experience runs 50-60 events nationwide with 70 supercars, 20 mechanics, and 2 semi trucks. Last year alone: 88,000 people drove supercars. Total since 2012: nearly 500,000 drivers.Most popular? Ferrari edges Lamborghini, but the C8 Corvette "moves people the most" when they exit.Adam's philosophy: "Always turn around and look at your car one more time." His first car was a '95 Pontiac Grand Prix from his dad. His AC/DC anthem: "For Those About to Rock." His dream car: Mercedes SLS AMG Black Series in yellow.His daily driver? Burnt copper Mercedes G63 AMG—"sounds like a boat, burns 3 gallons per minute. Wouldn't trade it for anything." *** Your Favorite Automotive Podcast - Now Arriving Weekly!!! *** Listen on your favorite platform and visit https://carsloved.com for full episodes, our automotive blog, Guest Road Trip Playlist and our new CAR-ousel of Memories photo archive. Don't Forget to Rate & Review to keep the engines of automotive storytelling—and personal restoration—running strong.

The Agents search for closure to the investigation takes them out of Portland… and into uncharted territory. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website! Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon! Find us on Apple Podcasts! https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472 Subscribe to our YouTube channel at: https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriber Spotify: https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLA Pandora https://pandora.app.link/WOmEP5Rf1Cb iHeart Radio: https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/ Amazon Podcasts: https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1 We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detail Also on Podbean https://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6 Just one more venue we can be found! https://www.delta-green.com/topics/debriefing/ Want to be a Hard Slinger and get cool swag? Join us on our Patreon page! https://www.patreon.com/rollthehard20podcast Contact your Trusted D.M. Brian! Visit the website at: https://www.rollthehard20podcast.com/ Email us at: rollthehard20podcast@gmail.com Want to represent the podcast? Check out our awesome shirts! https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1 Follow our social media footprints at: https://m.facebook.com/groups/202767550592121 https://instagram.com/rollthehard20?igshid=gjlo7p4lay72 https://twitter.com/rollthehard20?s=11 "Darkling", "Laser Groove" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

A Funny SaturdayFirst,  a look at this day in History.Then, Father Knows Best starring Robert Young, originally broadcast November 1, 1951, 74 years ago, Neckties.   A necktie shows up on the Anderson's porch.  No one knows shy.Followed by You Bet Your Life starring Groucho Marx, originally broadcast November 1, 1950, 75 years ago, The Secret Word is Tree.  Then, George Burns and Gracie Allen,  originally broadcast November 1, 1945, 80 years ago, Gracie Pretends to Be Bill Goodwins Wife.  Bill Goodwin has to borrow a wife in a hurry. Gracie is elected and George plays the butler. Followed by The Great Gildersleeve starring Willard Waterman, originally broadcast November 1, 1956, 69 years ago,  Jolly Boys Haunted House Adventure.  The Jolly Boys have their Halloween Party in a haunted house.  Finally. Lum and Abner, originally broadcast November 1, 1944, 81 years ago,Works on Water Pipes.   Lum spends the day fixing the water pipes at the schoolhouse...even though the pipes aren't connected!Thanks to Richard G for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamCheck out Professor Bees Digestive Aid at profbees.com and use my promo code WYATT to save 10% when you order! Find the Family Fallout Shelter Booklet Here: https://www.survivorlibrary.com/library/the_family_fallout_shelter_1959.pdfhttps://wardomatic.blogspot.com/2006/11/fallout-shelter-handbook-1962.html

More Chapters AI Contribution: Courtesy of Google NotebookLM

Jimmy Mulville is a colossus of UK comedy (founder of Hat-Trick Productions - Have I Got News For You, Father Ted, Derry Girls, Outnumbered, Episodes, Whose Line is it Anyway?), and lifelong Toffee who was introduced to Everton at a very early age by his dad. And check out his podcast with Peter Finchamue., Jimmy shares Everton memories along with his favourite former player, current player, player they'd have loved to have seen at Everton, and their favourite Evertonian or thing about Everton. Old. New. Borrowed. Blue. Jimmy's new book - There's Gonna Be a Show: Everton and Me – A Complicated Love Story - is available now at your local bookshop or from https://floodlitdreams.com/shop/theres-gonna-be-a-show-everton-and-me And check out his podcast with Peter Fincham (I'm Alan Partridge, Never Mind The Buzzcocks, Da Ali G Show) Insiders: The TV Podcast, wherever you get your podcasts. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Have you felt this before, walking into a room and instantly feeling like you didn't belong? What if the key to confidence isn't waiting until you feel ready but choosing to step in anyway? David Bayliff and his co-host today, Hannah DeGroot, tackle the confidence gap, imposter syndrome, feeling underqualified, and how to move anyway. Hear practical mindset tips from Hannah's coaching and real stories about taking action before you "feel ready." Walk away with simple steps to build confidence one decision at a time. Here's what we dive into in this episode: Understanding the confidence gap and why it's so common How imposter syndrome and comparison syndrome sneak into your professional growth The truth about building confidence through practice and repetition The concept of "borrowed belief" and how it empowers you Why discomfort is a sign you're moving toward growth Remember this: feeling underqualified doesn't mean you are underqualified. The only way to bridge the confidence gap is to walk across it one brave step at a time. Let this episode remind you that your experiences, perspective, and voice have real value. You belong in every room you choose to walk into. Uncaged Hack: "Are you comparing yourself to find worth, or are you comparing yourself to find motivation?" —Hannah DeGroot Make the next 90 days count. Apply to Uncaged University and receive the roadmap, plus optional one-on-one support by clicking the link below. Book your application call: https://uncagedclinician.com/schedule Explore the program: https://uncagedclinician.com/university-101

The Agents have a lead on Holloway. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website! Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon! Find us on Apple Podcasts! https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472 Subscribe to our YouTube channel at: https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriber Spotify: https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLA Pandora https://pandora.app.link/WOmEP5Rf1Cb iHeart Radio: https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/ Amazon Podcasts: https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1 We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detail Also on Podbean https://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6 Just one more venue we can be found! https://www.delta-green.com/topics/debriefing/ Want to be a Hard Slinger and get cool swag? Join us on our Patreon page! https://www.patreon.com/rollthehard20podcast Contact your Trusted D.M. Brian! Visit the website at: https://www.rollthehard20podcast.com/ Email us at: rollthehard20podcast@gmail.com Want to represent the podcast? Check out our awesome shirts! https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1 Follow our social media footprints at: https://m.facebook.com/groups/202767550592121 https://instagram.com/rollthehard20?igshid=gjlo7p4lay72 https://twitter.com/rollthehard20?s=11 "Darkling", "Laser Groove" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

– The value of network effects – Doesn’t supply and demand fix the housing problem? – What have you learned from Domino’s? – How do you value a business with a lot of debt? – What if the government borrowed a motza?See omnystudio.com/listener for privacy information.

Borrowed coffee cups, a sherry-finished pour, and a market plot twist: we crack open Horse Neck's Kentucky Bourbon and unpack why the bourbon world suddenly feels upside down. We're joined by our resident spirits pro to translate tasting notes into plain English, orange marmalade, licorice, toasted oak, and that cherry-friendly finish, and to explain why this bottle works neat, with a splash, or in an old-fashioned.From there, we zoom out. Shelves that were bare a year ago now show Buffalo Trace by the case. E.H. Taylor and other favorites are popping up at or near MSRP. Meanwhile, several distilleries have paused production because inventory on hand can meet demand in the near term. That's the X-point: a glut from years of aggressive barreling meeting consumer downtrading in a wobbly economy. We talk through what that means for pricing, secondary markets, and why some bottles may sit longer in oak, potentially turning good whiskey into great whiskey over the next few years.If you're tired of the bourbon chase, you're not alone. Reposado, Añejo, and extra Añejo tequilas, especially additive-free standouts, are winning over bourbon palates with ex-bourbon barrel character and clearer value. Rum is a dark horse too, with well-aged, ex-American oak releases offering caramel, spice, and depth without the bourbon premium. We share practical strategies: build relationships with independents, test “walk by” labels you've ignored for years, and follow a simple rule of thumb, hold treasured allocations, buy quality value now, and skip panic selling.If you enjoyed this, subscribe, leave a review, and share it with a friend who still thinks everything good is only behind the counter. What bottle are you hunting, or rediscovering, this week?

Empowering women after divorce starts with one truth: you are valuable. In this episode, attorney and author Heather Quick shares how women can reclaim their worth, protect their peace, and build businesses that reflect their true gifts.In this empowering conversation, Lesa Koski sits down with Heather Quick, a Florida-based family law attorney, author, and entrepreneur who's helping women navigate divorce and rediscover their purpose. From her bold decision to launch her women-only law firm to writing multiple books and mentoring women through business ownership, Heather shares her journey with raw honesty and practical insight.Whether you're in the middle of a life transition or simply wondering what you're truly good at—this episode will remind you that it's never too late to pivot, grow, and reclaim your voice.⏱️ Timestamps:(00:00) Introduction to Heather Quick(01:45) Heather's legal journey and aha moment in family law(06:32) From criminal law to empowering women through divorce(09:05) The impact of being a child of divorce(12:15) Why she opened a women-only divorce law firm(18:00) What most women don't realize about their worth(21:25) The emotional strength needed to downsize and start fresh(25:42) How Heather built her law firm from scratch during a recession(31:10) Learning to run a business (not taught in law school!)(34:28) The “borrowed strength” concept to support women through divorce(36:15) Why she wrote A Woman's Guide to Becoming a Successful Entrepreneur(41:22) How to rediscover what you're good at—especially after a hard season(47:50) The importance of pivoting without shame(51:00) Raising strong daughters and becoming a resilient woman(56:00) Final encouragement and how to connect with Heather

Mens Room Question: What did you maybe borrow without permission?

Mens Room Question: What did you maybe borrow without permission?

Snag Our Simplified Budget System!You make way too much money to be in this much debt — and we say that with love. ❤️If you're swiping your credit card for groceries, juggling balances between cards, and convincing yourself it's worth it “for the points,” this episode is for you. We're breaking down the truth about debt — how it keeps you stuck in the past — and showing you what it really means to fund your future instead.Today, we're talking about why your credit card is not your budget, what it looks like to be your own bank, and the small but powerful steps that help you stop relying on debt once and for all.

The Agents return to the Cryptozoology Museum of Truth. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website! Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon! Find us on Apple Podcasts! https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472 Subscribe to our YouTube channel at: https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriber Spotify: https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLA Pandora https://pandora.app.link/WOmEP5Rf1Cb iHeart Radio: https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/ Amazon Podcasts: https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1 We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detail Also on Podbean https://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6 Just one more venue we can be found! https://www.delta-green.com/topics/debriefing/ Want to be a Hard Slinger and get cool swag? Join us on our Patreon page! https://www.patreon.com/rollthehard20podcast Contact your Trusted D.M. Brian! Visit the website at: https://www.rollthehard20podcast.com/ Email us at: rollthehard20podcast@gmail.com Want to represent the podcast? Check out our awesome shirts! https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1 Follow our social media footprints at: https://m.facebook.com/groups/202767550592121 https://instagram.com/rollthehard20?igshid=gjlo7p4lay72 https://twitter.com/rollthehard20?s=11 "Darkling", "Laser Groove" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

A listener writes in not sure if she should finally have a wedding after five years, we do confessions and more.

A listener writes in not sure if she should finally have a wedding after five years, we do confessions and more.

A listener writes in not sure if she should finally have a wedding after five years, we do confessions and more.See omnystudio.com/listener for privacy information.

A listener writes in not sure if she should finally have a wedding after five years, we do confessions and more.

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The Agents have an encounter with what tore through the expedition team. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website! Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon! Find us on Apple Podcasts! https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472 Subscribe to our YouTube channel at: https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriber Spotify: https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLA Pandora https://pandora.app.link/WOmEP5Rf1Cb iHeart Radio: https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/ Amazon Podcasts: https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1 We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detail Also on Podbean https://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6 Just one more venue we can be found! https://www.delta-green.com/topics/debriefing/ Want to be a Hard Slinger and get cool swag? Join us on our Patreon page! https://www.patreon.com/rollthehard20podcast Contact your Trusted D.M. Brian! Visit the website at: https://www.rollthehard20podcast.com/ Email us at: rollthehard20podcast@gmail.com Want to represent the podcast? Check out our awesome shirts! https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1 Follow our social media footprints at: https://m.facebook.com/groups/202767550592121 https://instagram.com/rollthehard20?igshid=gjlo7p4lay72 https://twitter.com/rollthehard20?s=11 "Darkling", "Laser Groove" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

The Agents are given the location to one Museum's survivors. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website! Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon! Find us on Apple Podcasts! https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472 Subscribe to our YouTube channel at: https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriber Spotify: https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLA Pandora https://pandora.app.link/WOmEP5Rf1Cb iHeart Radio: https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/ Amazon Podcasts: https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1 We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detail Also on Podbean https://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6 Just one more venue we can be found! https://www.delta-green.com/topics/debriefing/ Want to be a Hard Slinger and get cool swag? Join us on our Patreon page! https://www.patreon.com/rollthehard20podcast Contact your Trusted D.M. Brian! Visit the website at: https://www.rollthehard20podcast.com/ Email us at: rollthehard20podcast@gmail.com Want to represent the podcast? Check out our awesome shirts! https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1 Follow our social media footprints at: https://m.facebook.com/groups/202767550592121 https://instagram.com/rollthehard20?igshid=gjlo7p4lay72 https://twitter.com/rollthehard20?s=11 "Darkling", "Laser Groove" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

Jordan's got a BIG problem that's hard to SPOT. Thankfully William is nothing but discreet (unlike the spot). The boys get down to business solving your dilemmas regarding urinal etiquette and tips for becoming a ‘boy mum'. Hosted on Acast. See acast.com/privacy for more information.

Today we have for you an episode from the Brooklyn Public Library's Borrowed & Returned podcast series, looking back on Ezra Jack Keats' trailblazing picture book and how it continues to resonate with readers. You can find Borrowed & Returned wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

 Professor John Cochrane of the Hoover Institution attributes current inflation to the fiscal theory of the price level. He explains that massive government spending, such as the $5 trillion borrowed during COVID-19 with $3 trillion printed by the Fed, combined with no credible plan for repayment, directly causes inflation. Cochrane differentiates this from monetarism, noting that quantitative easing (printing money and taking back bonds) did not lead to inflation. He emphasizes that the 2022 inflation spike was a loss of confidence in the government's ability to pay its debts. Successful disinflations, he argues, require a combination of monetary, fiscal, and microeconomic reforms. 1920 LANGLEY AERODROME

Professor John Cochrane of the Hoover Institution attributes current inflation to the fiscal theory of the price level. He explains that massive government spending, such as the $5 trillion borrowed during COVID-19 with $3 trillion printed by the Fed, combined with no credible plan for repayment, directly causes inflation. Cochrane differentiates this from monetarism, noting that quantitative easing (printing money and taking back bonds) did not lead to inflation. He emphasizes that the 2022 inflation spike was a loss of confidence in the government's ability to pay its debts. Successful disinflations, he argues, require a combination of monetary, fiscal, and microeconomic reforms. 1867