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Today's daf is sponsored by Lisa Elon in honor of her steadfast chevruta, Rhondda Ma Today's daf is sponsored by Lisa Elon in honor of her steadfast chevruta, Rhondda May, "May G-d grant us many more years of great learning together. " Today's daf is sponsored by Rachel Alexander Levy in memory of Jack Schuster, father of my chevruta, Rabbi Jordi Schuster. May his memory be for a blessing. Today's daf is sponsored by Adam Dicker in honor of Carolyn Hochstadter Dicker on her birthday. There is a debate between Rav and Shmuel regarding the kashering process known as niguv. In one version of the debate, Rav requires that ashes be used once during the process, while Shmuel requires them to be used twice. In another version, there is no actual disagreement—Rav simply omits the final step of rinsing with water, since its sole purpose is to remove the ashes. Shmuel, however, includes it as part of the process. How are wicker nets in a winepress kashered? Rabbi Avahu derives from the laws of purifying wicker nets that they require niguv. If the nets are made of reeds, which are more absorbent, they must be left unused for twelve months—or, according to Rabban Shimon ben Gamliel, until the next wine-making season. What is the practical difference between these two opinions? Rabbi Yossi offers an alternative to waiting a year: pouring boiling water over them. Rabban Shimon ben Gamliel cites Rabbi Yossi, suggesting instead that the nets be placed under running water for an onah. What is an onah? Some define it as either a day or a night, while others say it means twelve hours. Rav Shmuel bar Yitzchak explains that both interpretations ultimately mean the same thing. How? The strainer and baskets used in the winepress are kashered differently depending on the material they are made from, since the level of absorption varies. If grape clusters are placed in the winepress and surrounded by the juice from the grapes, are they considered a single unit for the purposes of impurity? This has practical implications: if an am haaretz—someone who may not be trusted regarding purity laws—touches one cluster, does that render all the surrounding clusters impure? If one purchases utensils from a non-Jew, how are they to be kashered? The method depends on how the utensil was used: if used with cold food, rinse with water; if used with hot water, perform hagala (boiling); and if exposed to direct fire, apply libun (burning with fire). A knife must be polished. All these utensils also require tevila—immersion in a mikveh. Two different phrases in Bamidbar 31:23, following the battle with Midian, are cited to derive the requirement for tevila. Why are both phrases needed? Rav Nachman explains that even new utensils purchased from a non-Jew require tevila, since kashered old utensils are considered equivalent to new ones. Borrowed utensils from a non-Jew do not require tevila, but a question arises regarding utensils given to a Jew as collateral. Metal and glass utensils require tevila, but earthenware does not. If an earthenware vessel is coated with a lead glaze, should it be treated as earthenware or as metal? If utensils were used without being kashered, is food prepared in them forbidden? The answer depends on when the vessel was last used and whether one holds that a substance imparting a bad flavor is permitted or prohibited.   y, "May G-d grant us many more years of great learning together. " Today's daf is sponsored by Rachel Alexander Levy in memory of Jack Schuster, father of my chevruta, Rabbi Jordi Schuster. May his memory be for a blessing. Today's daf is sponsored by Adam Dicker in honor of Carolyn Hochstadter Dicker on her birthday. There is a debate between Rav and Shmuel regarding the kashering process known as niguv. In one version of the debate, Rav requires that ashes be used once during the process, while Shmuel requires them to be used twice. In another version, there is no actual disagreement—Rav simply omits the final step of rinsing with water, since its sole purpose is to remove the ashes. Shmuel, however, includes it as part of the process. How are wicker nets in a winepress kashered? Rabbi Avahu derives from the laws of purifying wicker nets that they require niguv. If the nets are made of reeds, which are more absorbent, they must be left unused for twelve months—or, according to Rabban Shimon ben Gamliel, until the next wine-making season. What is the practical difference between these two opinions? Rabbi Yossi offers an alternative to waiting a year: pouring boiling water over them. Rabban Shimon ben Gamliel cites Rabbi Yossi, suggesting instead that the nets be placed under running water for an onah. What is an onah? Some define it as either a day or a night, while others say it means twelve hours. Rav Shmuel bar Yitzchak explains that both interpretations ultimately mean the same thing. How? The strainer and baskets used in the winepress are kashered differently depending on the material they are made from, since the level of absorption varies. If grape clusters are placed in the winepress and surrounded by the juice from the grapes, are they considered a single unit for the purposes of impurity? This has practical implications: if an am haaretz—someone who may not be trusted regarding purity laws—touches one cluster, does that render all the surrounding clusters impure? If one purchases utensils from a non-Jew, how are they to be kashered? The method depends on how the utensil was used: if used with cold food, rinse with water; if used with hot water, perform hagala (boiling); and if exposed to direct fire, apply libun (burning with fire). A knife must be polished. All these utensils also require tevila—immersion in a mikveh. Two different phrases in Bamidbar 31:23, following the battle with Midian, are cited to derive the requirement for tevila. Why are both phrases needed? Rav Nachman explains that even new utensils purchased from a non-Jew require tevila, since kashered old utensils are considered equivalent to new ones. Borrowed utensils from a non-Jew do not require tevila, but a question arises regarding utensils given to a Jew as collateral. Metal and glass utensils require tevila, but earthenware does not. If an earthenware vessel is coated with a lead glaze, should it be treated as earthenware or as metal? If utensils were used without being kashered, is food prepared in them forbidden? The answer depends on when the vessel was last used and whether one holds that a substance imparting a bad flavor is permitted or prohibited.

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Paul Nolte, Senior Wealth Advisor & Market Strategist for Murphy & Sylvest, joins Bob Sirott to talk about how the markets reacting to President Trump’s announcement of firing Fed Governor Lisa Cook and what Fed Chair Powell spoke about during his Jackson Hole speech. He also explained how the markets reacted to the mention of […]

Neil & Scott welcome their first-time guest Gio to the pod!

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   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 in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   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 prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Ezekiel 12-15

We're dipping into the archives again, to explore the history of Santan Parish Church in a recording made nearly 40 years ago - and featuring churchwarden Donald Gelling! And we've news of a new appointment to the Island's churches - not just a new face, but a completely new role too - we have all the details - plus music and our usual notice board.

Talking about the hardest things to buy as Garner tries to get a new mattress. And what's something you have that you shouldn't? Maybe you borrowed from a friend and never returned it? Maybe you've had a Honeymoon Suite cassette since 1985 and haven't given it back... if so, Stacy wants it back.

Ari Herstand is a Los Angeles–based musician, author of the best‑selling "How to Make It in the New Music Business", and host of the Webby‑award winning podcast "The New Music Business," where he empowers artists to build successful DIY careers in the modern music industry. Recognized by Forbes as “the poster child of DIY music,” he also founded the artist‑advocacy education platform Ari's Take.In this episode, you'll learn about:- The history of streaming platforms- How streaming has changed music consumption- "Owned" vs "Borrowed" audiences- How to lay the ground work for a long successful career as an artist- The potential implications of AI generated music*** CONNECT WITH ARI:

When Howard Zinn's A People's History of the United States came out in 1980, it literally rocked the boat. Instead of starting where most histories of the Americas start — on the deck of Columbus's ship as it approached land — Howard Zinn flipped the script, focusing instead on what the people standing on the shore would have seen. In this episode, we look at the ripple effects of Zinn's radical take on history. You can read a transcript of this episode on our web page.Check out our booklist with titles related to A People's History of the United States.You can find Nick Witham's book Popularizing the Past at the University of Chicago Press.Learn more about the ReVisioning History series from Beacon Press, and visit the Zinn Education Project for tons of resources for teachers and students.History books are one of the subject areas targeted for censorship right now. Learn what you can do to help by visiting our Books Unbanned homepage, or listening to Borrowed and Banned, our previous series about the state of book banning in America.

What actually keeps weight loss on track? Spoiler: it's not a meal plan, a fitness app, or a smoothie in a mason jar. This episode cuts through recycled advice and spotlights the one thing that makes change stick: your reason. Ditch the borrowed goals and find the motivation that survives real life, cravings, and every Monday morning.Important Points CoveredYour reason for change matters more than any diet or workout.Borrowed motivation—doctor's orders, family nudges, or influencer trends—fades quickly.The strongest “why” comes from within and connects to your real life, not someone else's expectations.Five motivators actually move you: health, mobility, mental wellbeing, relationships, and self-mastery.When your motivation wobbles, check in, recalibrate, and let your reason grow with you.Visible, honest reminders of your “why” help you stick with healthy habits when life gets messy.Resources MentionedDeci, E.L., & Ryan, R.M. (2000). The "What" and "Why" of Goal Pursuits: Human Needs and the Self-Determination of Behavior. Psychological Inquiry, 11(4), 227-268.Clear, James. Atomic Habits. Penguin Random House.Duhigg, Charles. The Power of Habit. Random House.“Physical Activity and Depression: Harvard Health Publishing.” Harvard Health“Association Between Physical Activity and Risk of Depression: JAMA Psychiatry.” JAMA PsychiatryActionable Steps for ListenersWrite down your real reason for wanting to make a change—the one you'd share with a friend, not just the one you'd post online.Set a weekly reminder to check in with your motivation. If it feels stale, update it so it matches your life right now.Choose an accountability partner who asks the tough questions and keeps you honest about your progress.Make your “why” visible—stick a note on your fridge, mirror, or phone.Celebrate small wins to build confidence and momentum.Relevant Links and CitationsDeci & Ryan (2000) - Self-Determination Theory ArticleHarvard Health - Exercise and DepressionJAMA Psychiatry - Physical Activity and Depression RiskJames Clear - Atomic HabitsCharles Duhigg - The Power of Habit

Presenting the second short story collection from our Sound Off competition, featuring five pieces written and produced entirely by our listeners. From the sonic evolution of pinball to reused classical melodies to the battle against airport noise, this Silver Collection is a diverse and enlightening set of snackable stories. Find local showtimes to see Sketch, the first feature-film sound designed and mixed entirely by Defacto Sound. Subscribe on ⁠⁠⁠YouTube⁠⁠⁠⁠ to see our new video series. If you know what this week's mystery sound is, tell us at ⁠⁠⁠mystery.20k.org⁠⁠⁠. Support the show and get ad-free episodes at ⁠20k.org/plus⁠. Follow Dallas on ⁠⁠⁠Instagram⁠⁠⁠, ⁠⁠⁠TikTok⁠⁠⁠, and ⁠⁠⁠LinkedIn⁠⁠⁠. Join our community on ⁠⁠⁠Reddit⁠⁠⁠ and follow us on ⁠⁠⁠Facebook⁠⁠⁠. Get 20% off your Riverside subscription using promo code 20k. Cut your current cloud bill in half with OCI at ⁠⁠⁠oracle.com/20k⁠⁠⁠. Sign up for a one-dollar-per-month trial at ⁠⁠⁠shopify.com/20k⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Perry Pod, I look at Season 5 Episode 26: The Case of the Borrowed Baby This episode includes: Law Library: Reporting an abandoned baby Plot: Episode plot Trivia: Electric cars, Corey Allen, and Perry's Fib The Theme: Good moms The Perry Proverb: "Your biggest mistake..." The Water Cooler: Deleted scenes, the Paul Prompt from the last ep, and a listener letter Contact me at theperrypod@gmail.com. Keep on walking that Park Avenue Beat!

"Forged Not Borrowed" | Rev Sam Silva | 7.23.25 by ARC of Carson City, NV

It's dangerously hot outside. Experts in weather and medicine say it's important to stay cool and drink water.Then, we continue our conversation on ways Mississippians can slow the onset of dementia with a doctor from the MIND Center in Jackson.Plus, a new book shares the story of how a small delta town became a pivotal location for the civil rights movement. Hosted on Acast. See acast.com/privacy for more information.

Episode 568 - Bret Davis - Bretisms - Adopted, Borrowed and Modified Philosophies For a Life with LESS ANXIETY and MORE CONFIDENCEhttps://bretisms.com/Support the show___https://livingthenextchapter.com/podcast produced by: https://truemediasolutions.ca/Coffee Refills are always appreciated, refill Dave's cup here, and thanks!https://buymeacoffee.com/truemediaca

Karl and Chief kick off our show with a conversation about misinformation and AI censorship. Joel calls in to talk market momentum. Then, Kenny joins Chief on the air to discuss investments. Finally, Hal and Chief finish off with a conversation about Jeffrey Epstein and bank loans.

In this episode of Big Shot, Harley and David sit down with Stephen Ross—real estate titan, Miami Dolphins owner, and the visionary behind Hudson Yards, CityPlace, and more—for a rare look inside his extraordinary life.From growing up in a two-family house in Detroit to transforming New York's Hudson Yards and Miami's CityPlace, Stephen's story is deeply shaped by the Jewish entrepreneurial legacy. Inspired by his grandfather, a Russian immigrant who built the largest independent oil refinery in the Midwest, and his uncle Max Fisher, a renowned businessman and philanthropist, Stephen saw early what was possible through grit, vision, and belief.He shares how getting fired set him on the path to starting his own business, why he's now building infrastructure in Palm Beach County to create South Florida's next “Silicon Valley,” and the stories behind owning the Miami Dolphins and bringing Formula 1 racing to Miami.We discuss the following: • How his grandfather built the largest independent oil refinery in the Midwest• Why getting fired was the best thing that ever happened to him• Why he believes New York is still the best place to start anything• Why he held onto CityPlace through years of losses—and how it finally paid off• His $1.5B asset sale before the 2008 crash• The infrastructure he's bringing to Palm Beach County to build a new “Silicon Valley”• Why he sold 1.5 billion worth of assets before the financial crisis of 2008• The story behind purchasing the Miami Dolphins• Why he turned down a $10B offer for the Dolphins, Hard Rock Stadium, and F1• How daily school drop-offs helped Stephen build a lasting bond with his daughters• His perspective on Jewish excellence in entrepreneurship and philanthropy• His advice for young entrepreneurs • And much more!—In This Episode We Cover:(00:00) Intro(02:47) Stephen's childhood in Detroit (05:15) Lessons and inspiration from his grandfather and uncle (17:00) Stephen's rocky start in Florida and struggles in school(22:35) How Stephen got into the University of Michigan and became a good student (27:13) How getting fired sparked his first business(34:40) Early business goals and the fundraising hurdles that led to bootstrapping(41:10) Stephen's diversification strategy (44:01) How Stephen found great people to work with (47:30) What Stephen loves about the real estate business (49:12) Why the 90s market wasn't ready for CityPlace (54:12) The story behind Hudson Yards and the Olympic stadium that fell through (57:50) Why Stephen says his latest project will be the most impactful (1:04:15) How to maintain momentum while building large projects (1:08:32) What it was like buying the Miami Dolphins (1:17:05) Why he brought F1 to Miami (1:19:25) Stephen's philanthropy and why giving back is important(1:23:40) What drives Jewish excellence in business and giving(1:26:00) How he built and maintained a relationship with his daughters(1:34:00) How he survived a tough time in the 90s (1:35:37) AI's impact on the future(1:37:10) Advice for young entrepreneurs and how he values relationships—Where To Find Big Shot: • Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.bigshot.show/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@bigshotpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  • TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@bigshotshow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/bigshotshow/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  • Harley Finkelstein: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/harleyf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • David Segal: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/tea_maverick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• Production and Marketing: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://penname.co⁠

Snag Our Simplified Budget System!One of our single clients came to us with over $263,000 in debt.

Brace yourselves, Tinies!! Melissa has HUGE news… Sabrina Carpenter has borrowed her outfit. YES, really!! And that's not all, Sophie actually met George Clooney in real life. THE George Clooney. Could we be any more jealous?! Plus, we've got some juiccccy dilemmas. One Tiny is spiralling after finding out her summer fling has a girlfriend. Should she sack things off before it gets really messy? And, another listener has got a different kind of problem… She's struggling with how big her partner is. We're talking the size… and width… of a drinks can. Eek.Enjoy the episode xGot a dilemma, some personal advice for a fellow Tiny, or a follow-up to a previous one? Send us a voice note or message on Insta @wednesdayspodcast, or drop us an email at wednesdays@jampotproductions.co.uk--Instagram | https://www.instagram.com/wednesdayspodcast/TikTok | https://www.tiktok.com/@wednesdayspodcastEmail | wednesdays@jampotproductions.co.uk--Credits:Exec Producer: Jemima RathboneProducer: Helen BurkeEditor: Kat MilsomAssistant Producer: Emily D'SouzaVideo Editor: @lizziemccarthySocial: Anthony Barter Hosted on Acast. See acast.com/privacy for more information.

After having four children and spending years together, my ex-fiancé took my last 800 cedis, saying it was for wedding items. But he disappeared. Ten years later, he's married to another woman - Woman heartbroken.

Rev. Bryce Jones (07/13/2025) Sunday Morning Service

Host Aaron Odom (@TridentTheatre) welcomes guest Dr. Darren Freebury-Jones to the podcast.  Darren is the author of "Shakespeare's Borrowed Feathers: How Early Modern Playwrights Shaped the World's Greatest Writer."  Darren surprises Aaron by detailing three of Shakespeare's contemporaries who helped form the bard's style and ideology. Purchase "Shakespeare's Borrowed Feathers" at the websites below: Manchester University Press Amazon

Barnardos CEO, Suzanne Connolly, discusses the charity's Cost of Living 2025 Report.

We hear your DM's every weekday at 6:40 & 7:40am. Today’s DM Disaster is Borrowed Backyard, Jeff thought he was doing the nice thing by letting his best friend and his family borrow his pool while Jeff was on vacation. Turns out when Jeff returned the backyard was trashed! Chairs in the shallow end, clothes all over the deck, and even a clogged pool filter! That's Jeff's DM Disaster! All this and more on the ROR Morning Show with Bob Bronson and LBF Podcast. Find more great podcasts at bPodStudios.com…The Place To Be For Podcast Discovery

Can One Use Borrowed Tefillin—And What If They Were Bought on Credit or Unpaid For? Tefillin are holy objects—handwritten, expensive, and often personalized. As a result, situations arise where someone needs to borrow a pair or buy one on credit , and the Halacha must clarify when that's permitted and under what conditions the Tefillin are valid. Can You Borrow Tefillin Without Explicit Permission? According to the Shulhan Aruch (Orah Haim 14), it is generally permissible to borrow Tefillin without asking , as long as: The Tefillin are in a public or communal place , such as a synagogue shelf. The owner is known to be a religious, Torah-observant individual who would be pleased to fulfill the Misva of helping another Jew perform the commandment. This is based on the concept of "Nicha le'le'insah de'te'avid Misva b'mamoneh" —a person is happy for others to fulfill a Misva using his belongings. However: If the Tefillin case is clearly labeled with a note such as "Do not borrow," or if the owner is known to be particular, they may not be used without permission . If the Tefillin are custom-made, unusually expensive, or rare (e.g., very small, lightweight, or adorned), one may not assume permission to borrow them. Are Tefillin Purchased on Credit Kosher to Use? A person who buys Tefillin on credit or with a payment plan —meaning, they took the Tefillin before completing payment—can still use them , and they are halachically valid. However, several points must be observed: The seller must have willingly agreed to this arrangement. There must be no deception or unresolved protest from the seller. If the seller later expresses dissatisfaction or demands the return of the Tefillin due to non-payment, the buyer must stop using them until the matter is resolved. This is because ownership is not fully transferred when there is a dispute over payment. Using Tefillin that one does not fully own—against the will of the seller—is improper. What If the Seller Cannot Be Located Later? If a person purchased Tefillin (even years ago) and later realized: The full payment was never completed, Or they can't remember whether it was ever paid, Or they cannot locate the original seller, Then the person must try to track down the seller , even through friends or family. If all reasonable attempts fail: He should donate the estimated value to a Torah cause or Misva, such as a yeshiva , Tefillin fund , or synagogue in need . This shows good faith effort to settle the financial obligation, and avoids benefiting from a Misva object that may be partially stolen. Summary: You may borrow Tefillin without permission only if the owner would be pleased, and there's no sign or reason to assume otherwise. Tefillin bought on credit are valid if the seller agreed—but must not be used if the seller later protests or withdraws permission. If the seller cannot be found, donate the value to a Torah cause to ensure proper use of the Tefillin.

Borrowed and Returned is a new podcast series that examines what our reading public borrowed in the past, and what we're all reading now. In conversations with library workers, authors and readers across the country, we'll return to the books that changed us, and changed America, too. First episode drops July 8, with new episodes coming out weekly. Spend your summer re-reading with us! 

Nice guys never ask for what they truly want sexually, emotionally, or in relationships.They overgive, avoid conflict, get resentful, and end up losing themselves and the woman.In this powerful interview with Dr. Robert Glover (author of No More Mr. Nice Guy), we dive deep into: • What is Nice Guy Syndrome • Why giving without receiving leads to frustration • How to lead in relationships without being controlling • The truth about boundaries, resentment and masculine leadership • Why men need embodiment work and nervous system training • How to break codependency and reclaim your confidence • Why Aussie and NZ men struggle with Tall Poppy Syndrome • How to stop being passive and start leading in sex, business, and loveThis is raw, honest, and packed with tools to shift your mindset, relationships, and personal power.Want to meet Dr. Glover in person at my October 2025 retreat?Apply for The Next Level Retreat here with Dr Robert Glover in Australia Gold Coast October 2025:https://www.coreyboutwell.com/thenextlevelretreatBook a call with me directly:https://www.coreyboutwell.net/speaksoonFollow Dr. Robert Glover:Website: https://drglover.comInstagram: https://www.instagram.com/drrobertgloverBuy No More Mr. Nice Guy on Amazon:https://www.amazon.com/dp/0762415339⸻Chapters:00:00 – What is Nice Guy Syndrome02:20 – Why giving + not receiving = frustration05:15 – Masculine leadership vs. controlling behavior08:45 – How women respond to strong male direction13:10 – Boundaries, integrity and emotional health17:55 – Borrowed functioning and codependency traps24:00 – Nervous-system work and group initiation40:00 – The power of men's tribes and retreats48:00 – Why the Gold Coast gathering matters Apply here https://www.coreyboutwell.net/speaksoonJoin Our Community: https://www.skool.com/setthestandard/aboutFREE Mindset Webinar: https://www.coreyboutwell.com/dydpMake sure you listen to the podcasts all the way through to get your discount code.

There was a time I didn't feel ready—chosen, yes. But confident? Not even close.In this episode from the archive, I'm taking you back to my early days in the Army, to a moment that felt too big, too public, and too terrifying, and fear almost took me out. I made a powerful choice: to borrow the confidence I didn't yet believe I had.Whether you're stepping into something new or questioning your worth, this story is a reminder: you don't have to wait until you feel ready. You just have to start listening to the voice inside you that already is.Resources Mentioned & Show Notes  I created the Inner Strength Journal to help you recognize that sneaky voice of fear, pretending and performing so you can choose authenticity and courage instead. Because you deserve to live a life that's truly YOU.Your favorite version of you is waiting to be discovered, buy your copy today -– https://www.innerstrengthjournal.com. Connect Elsewhere:www.confidencecoachingforher.cominstagram.com/confidencecoachingforherfacebook.com/confidencecoaching4hertiktok.com/@confidencecoachingforher  

Old Timers Program 5xxxxx xxx 1st Song - Borrowed Knife

Relationship Reddit Stories, OP tells us about his mother who borrows his new truck to help her friend move. When it's returned to him, it won't start.0:00 Intro0:16 Story 13:59 Story 1 Comments / OP's Replies7:38 Story 1 Update11:54 Story 1 Comments 14:32 Story 217:01 Story 2 Mark's Story#redditupdate #redditrelationship #redditstoriesreddit Become a member at https://plus.acast.com/s/mark-narrations-the-wafflecast-reddit-stories. Hosted on Acast. See acast.com/privacy for more information.

Message Jason on Facebook  Follow Jason Cook in Instagram Follow Jason Cook on FB  Email Jason Cook here jason@lwcvip.com Testimonials click here Join the Weight Loss Secrets for Women 50+ Community Supplements  

Our second episode on the critical topic of Just Transition is with Dr. Richard Luarkie, the newly named director of the Native American Mining and Energy Sovereignty initiative, or NAMES) at the Payne Institute for Public Policy at the Colorado School of Mines. Dr. Luarkie is a member of the Laguna Pueblo nation from central New Mexico. Talking to Dr. Luarkie helps us to take on a different perspective to the future of energy and of ourselves. He helps us think about the difference between stewardship and ownership, between a clean energy future and a not so clean energy past and about a future that is not a gift from our forefathers but is a loan from future generations. The Laguna Pueblo reservation is on the site of the Jackpile-Anaconda uranium mine that from the 1950 to the early 1980 was one of the largest sources of uranium for the US nuclear stockpile. But when it was closed down, people weren't thinking about the environment the way we do today. "Just push some dirt over the tailings and walk away was the solution for Indian Country". Sit down and listen carefully. This is a conversation that you don't want to miss.Referenceshttps://www.minesnewsroom.com/news/native-american-mining-and-energy-sovereignty-initiative-receives-support-alfred-p-sloanhttps://payneinstitute.mines.edu/about-old/our-story/

Send us a textWhat if a simple collection of sayings could transform your relationship with anxiety and confidence? Bret Davis, bestselling author of Bretisms: Adopted, Borrowed, and Modified Philosophies For a Life With Less Anxiety and More Confidence joins us to share how everyday philosophies can create profound shifts in how we experience life.Bret's journey from door-to-door salesman to medical executive demonstrates the power of these principles in action. What began as casual life lessons for his sons evolved into a board at home where his family documented his most impactful sayings. These weren't just clever phrases but practical philosophies that reduced stress and built confidence. As Bret's career advanced into leadership roles, he realized these sayings weren't just valuable for his children – they were helping adults navigate professional challenges and personal struggles.We explore several standout Bretisms during our conversation, including "You can't trip over what's behind you" – a powerful reminder to stop dwelling on past mistakes or hurts. Bret emphasizes that while we might need to apologize for past actions, we must also learn to forgive ourselves and others to move forward effectively. This philosophy has proven especially meaningful for those in addiction recovery.Another profound concept Bret shares is "Hold yourself to at least the same level of accountability to which you hold others." He points out our tendency to judge ourselves by our intentions while judging others by their actions – a disparity that creates unnecessary conflict. By reversing this pattern, we develop greater empathy and forgiveness toward others.Bret's morning routine exemplifies these philosophies in action, culminating in a simple yet powerful request: "Put me in a position to make somebody else's day special." This intentionality transforms ordinary interactions into opportunities for meaningful connection and service to others. As Bret reminds us, "This isn't a dress rehearsal" – we have one life to make special, both for ourselves and everyone we meet.Want to bring these transformative philosophies to your community? Bret generously offers free copies of his book to those working with youth organizations, group homes, or educational settings who might benefit but lack budget. Connect with him through the website linked in our show notes.This podcast is a proud member of the Mayday Media Network. If you have an idea for a podcast and need some production assistance or have a podcast and are looking for a supportive network to join, check out maydaymedianetwork.com. Like what you hear on the podcast? Follow our social media for more uplifting, inspirational and feel-good content.FacebookInstagramLinkedInTikTok Support the show

Send us a textA gentle voice with decades of wisdom, Mohamed Mousa reveals how his childhood experience of losing baby chicks in Egypt became the foundation for revolutionary animal welfare practices that transformed an entire industry.From tending a small flock by the Nile River to implementing poultry management systems across the globe, Mohamed's 40-year journey contains profound lessons about leadership, compassion, and the unexpected connection between profitability and proper animal care. "Animal welfare is always a money maker for the business," he explains, challenging conventional thinking that treats ethics and economics as opposing forces.Mohamed opens up about the mentors who shaped his philosophy—particularly Dr. Nagel, who shared knowledge with one condition: "You have to pass this to others." This commitment to knowledge transfer has become Mohamed's life mission. "I don't own this knowledge," he reflects. "It's borrowed information I have to lend to somebody else." His relationship with Herbruck's Farms owner Stephen Herbruck—founder of what is now Prism Controls—shows how visionary leadership can elevate entire organizations when values align.Perhaps most powerful is Mohamed's approach to mistakes. Rather than seeing errors as termination-worthy offenses, he views them as "the best teaching moments ever." Through his own painful story of losing birds to a tripped breaker, he demonstrates how analyzing failures can lead to systemic improvements and deeper commitment.For young professionals, Mohamed's message is clear: develop genuine passion for the animals, understand their needs deeply, build strong teams through listening, and recognize that food production carries responsibility to both animals and consumers. As he approaches his 72nd year with no retirement plans, his definition of purpose remains beautifully simple: "Life is about serving others."Hosted by Brandon Mulnix - Director of Commercial Accounts - Prism ControlsThe Poultry Leadership Podcast is only possible because of its sponsor, Prism ControlsFind out more about them at www.prismcontrols.com

At first glance, the latest installment of the cover song series is no different than any previous episode. Behind the scenes, though, serendipity is at play here. Like usual, I had quitely filled my “covers” folder over the last few months. A few weeks ago, I had accumulated enough tracks to schedule the show. I could have done it at the end of April, or last week. Next week even. Or I could have held it over until June. But no, I was determed in do on May 23. Then on my usual record store run last Friday I found a number of great Minneapolis garage rock records from the 50s and 60s. Most were compilatons, but I also found a Sundazed Music reissue of The Gestures’ self-titled album from 1966. Hailing from Mankato, MN, they had a hit in 1964 with “Run, Run, Run”, their debut single. I picked up this reissue, and loved it! Fast forward to yesterday as I was looking at the various new releases for the week. I was excited to see that Beebe Gallini had a new record out called Begged, Borrowed and Stealed! Even better was the fact that not only is this a […]

At first glance, the latest installment of the cover song series is no different than any previous episode. Behind the scenes, though, serendipity is at play here. Like usual, I had quitely filled my “covers” folder over the last few months. A few weeks ago, I had accumulated enough tracks to schedule the show. I could have done it at the end of April, or last week. Next week even. Or I could have held it over until June. But no, I was determed in do on May 23. Then on my usual record store run last Friday I found a number of great Minneapolis garage rock records from the 50s and 60s. Most were compilatons, but I also found a Sundazed Music reissue of The Gestures' self-titled album from 1966. Hailing from Mankato, MN, they had a hit in 1964 with “Run, Run, Run”, their debut single. I picked up this reissue, and loved it! Fast forward to yesterday as I was looking at the various new releases for the week. I was excited to see that Beebe Gallini had a new record out called Begged, Borrowed and Stealed! Even better was the fact that not only is this a […]

Bret Davis is a best-selling author whose journey is marked by resilience, growth, and a commitment to personal development. he has risen from a door-to-door salesman to executive roles in the medical field. Bret's book, “Bretisms: Adopted, Borrowed and Modified Philosophies For a Life with LESS ANXIETY and MORE CONFIDENCE,” compiles his life lessons aimed at reducing stress and boosting confidence. CONNECT WITH HIM https://bretisms.com Subscribe to this channel now!  https://www.youtube.com/user/lunidelouis/?sub_confirmation=1    ---------------------------------------------------- Join our exclusive Facebook group @ https://www.facebook.com/groups/339709559955223  --------------------------------------------------- Looking for accountability to do your morning routine -- join us tomorrow morning, it's FREE:   https://bestmorningroutineever.com/  ----------------------------------------­­­­­­­-------------

Amanda and Justin first matched on Bumble three weeks ago and Amanda tells us she was head over heels as soon as they started messaging each other because not only was Justin attractive, but he was also funny. Over the past few weeks Amanda tells us they have gone on multiple dates and she has even spent the night twice at Justin's place. However, ever since the last night she spent at Justin's she hasn't heard from him at all and she's not sure what went wrong.   We call Justin trying to figure out if there is anything else between him and Amanda that happened that may have caused things to go wrong and he tells us that he wasn't a fan of what Amanda borrowed from his place. Find out what's really going on in this Second Date Update! 

Hilchos Oina'a Part 10: Is parve cheese Mutar?? He bought ten TONS of Matzah and they were all burnt?!?! You borrowed eggs and there was blood in them do you need to pay them back!!

Send us a textIn this episode, Becky shares stories that illustrate how family councils can create family unity and curb contention.

The Break Room (THURSDAY 4/24/25) 6am Hour 1) Was this stolen, or did this person borrow something without asking? 2) How did we lose a subway, boat, AND a trolley system? 3) The Spring lawn wars have begun

Norie brings decades of experience from her roles at National Geographic Traveler and as a contributor to National Geographic. She shares fascinating insights into adventure storytelling, the evolving landscape of tourism, and the powerful shift toward regenerative travel. Subject: What a Red Puffy Jacket, a Black Lab, and the Tetons Taught Me About Adventure I discovered the magic of nature—only after realizing my feet were literally black with dirt. - Norie Quitos What Happened: If you told 12-year-old me that one day I'd be preaching the gospel of nature and conservation on a podcast, she would've laughed in your face while clutching her Lisa Frank diary. Back then, I was a hardcore indoors kid. My travel dreams were less “hike the Andes” and more “sip coffee outside a museum in Paris.” Nature? Great in theory. From a safe, clean, bathroom-accessible distance. But life had other plans. Specifically, two kids and a deep desire for them to experience something I hadn't: the outdoors. Our first trip? My sister's backyard. Borrowed tent. Questionable gear. But hey—we survived. That spiraled into state park weekends, and eventually, a full-on wagon adventure at the foot of the Tetons. Cue canvas tents, no showers, and yes—leeches. I was not okay. My soles were blacker than a burnt marshmallow, and I seriously questioned my life choices… until someone said, “It's dirt, but it's not dirty.” Mind. Blown. That moment changed everything. Principle: Adventure doesn't require a plane ticket or a trust fund. It's not always epic views and adrenaline rushes. Sometimes, it's dirt, discomfort, and doing something that stretches you just enough to see the world—and yourself—a little differently. That shift in perspective? That's where the real story begins. It's not just about going places. It's about who you become because you did. Transition: But here's the thing… Most of us still think “adventure” only counts if it looks like a Patagonia ad. We think our stories aren't worth telling unless they involve wild landscapes or bucket list bragging rights. The problem? That belief keeps so many of us from starting. From exploring our own backyards. From seeing travel as a tool for transformation—not just content creation. That's Why: That's why this episode with Nori Quintos hit home. Because it's not just about where you go—it's about how you go. Nori's journey from suburban indoor kid to global storyteller proves that the adventure industry isn't just changing—it's opening up. She shares how regenerative travel is replacing tourism-as-usual, and why women over 50 are redefining what solo travel—and real power—looks like. Call to Action: Feeling stuck thinking your next adventure needs to be “epic” or expensive? That mindset's the real roadblock. Break free with Nori's story—because once you hear it, you'll realize the best journeys don't start with gear… they start with grit. Show Notes Adventure Travel Trade Association Adventure Travel Conservation Fund Eagle Creek Toad & Co

The coffin of Sety I (now in the NMEC) was probably reworked from an earlier piece, during the reburials in DB320 (the royal cache). But how can we tell? Dr. Peter Lacovara explains. Dr. Lacovara's website https://peterlacovara.com/ Video version available at Patreon www.patreon.com/egyptpodcast Video version available on YouTube https://youtu.be/6e1fauj4qPA Learn more about your ad choices. Visit megaphone.fm/adchoices

Sometimes, what's familiar to us isn't what it seems. A loved one sings a song they've never known, their laugh rings fake, their touch feels... wrong. Doppelgangers, changelings, these are names we give to people, the things that slip into our lives unnoticed, wearing borrowed faces. We tell ourselves it's just in our heads. But sometimes we know deep in our gut, the person beside us isn't the person we know, and they're definitely someone we cannot trust.   First, some visitors never leave Followed by it wears her smile Finally in our last story, it's already inside Story 1: The Exchange - Inspired by Caitlin K Story 2: Three Sisters - Inspired by Tiffani Story 3: Don't Blink - Written by Sara Learn more about your ad choices. Visit megaphone.fm/adchoices