Podcasts about borrowed

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

Has the Morning Crew ever done this? Listen now to find out: See omnystudio.com/listener for privacy information.

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/

Passion: John 18-21 - Burial in a Borrowed TombPassage: John 19v31-42Speaker: Paul Shepherd

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.

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In this solo episode of the Everyday Business Problems podcast, Dave Crysler takes a fresh look at root cause analysis through the lens of chain of custody. Borrowed from legal and logistics contexts, this concept helps leaders trace every handoff, touchpoint, and variable to get to the bottom of complex or intermittent problems that never seem to stay solved. Dave shares how he first learned about chain of custody, how it connects to real-world problem-solving in manufacturing and service environments, and the five-step approach you can use to uncover and eliminate hidden process issues for good. What You'll Discover: What “chain of custody” means, and why it's a powerful mindset for operational problem-solving. Why intermittent problems are the hardest to solve (and how this approach helps). The five steps to apply chain of custody thinking to your root cause analysis process. How to build visibility across inputs, outputs, and controls to pinpoint hidden gaps. When to use manual data collection vs. automated systems for smarter troubleshooting. How this approach strengthens cross-functional collaboration and continuous improvement.

Barrie Craig Confidential Investigator 51-11-07 The Case of the Borrowed Knife

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/

Step inside another episode of Conscious Cuts, our quick-hit interview series where reggae artists share the heart and meaning behind their latest singles.

Show Notes: Crystals. Tarot. Horoscopes. “Spiritual but not religious.” For many today, spirituality is no longer about dogma or tradition but about borrowing rituals that feel meaningful in the moment. […]

Listen to Sought After Educator on AppleListen to Sought After Educator on SpotifyWhat we cover→ The shift from brand-centric marketing to building your own stylist brand→ Why no extension method is truly damage free and how to talk about risk honestly→ How inconsistent hair quality happens at scale and what to do about it→ Moving from retail pricing to buying hair wholesale for higher margins→ Turning profit into freedom, education, and strategic ad investment→ Messaging that builds authority without relying on brand locators→ Customization over methods: bead work, density, texture, elasticity, scalp type→ Setting prices based on demand, not brand rulesKey takeaways→ Your brand is the asset. Borrowed credibility has limits.→ Educate clients on customization and outcomes, not logos.→ Wholesale sourcing can triple profit margins when quality is vetted.→ Consistency beats hype—be clear about maintenance and realistic results.→ Reinvest profit into visibility and strategy that compound results.Tyler's numbers + impact→ Tripled profit margin after moving to wholesale→ Grew annual revenue from ~100–150k to 300–400k during peak years→ Stylists using Styx report charging premium rates while spending less on hairResources→ Styx Hair: styxhair.com→ Instagram: @styxhair→ Listen next: the Sought After Educator episode on Tyler's rebuild + brand launch

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/

This week on the JAMODI Podcast, Coach Matt Sayman sits down with longtime friend and coaching partner Matt Garnett, head girls coach at Gordon High School. Coach Garnett has an incredible journey — from being the head men's coach at Wayland Baptist and McMurry University, to leading his daughters at Trinity Christian Academy and Grapevine Faith, to now building something special at Gordon.Together, Matt and Matt go back and forth sharing the top three coaching ideas they've each borrowed over the years. From performance evaluation systems, shot selection scales, postgame highlight videos, and eliminating postgame talks, this episode is packed with wisdom for coaches at every level.We've also been directing MG Basketball Camps together for over 15 years, so this conversation is more personal and relaxed than usual. You'll get an inside look at how friendships, faith, and coaching experiences have shaped the way we lead teams and build culture.Whether you're a high school coach, college coach, or youth coach, you'll leave with practical tools, encouragement, and a reminder of why we coach in the first place.

This week on the JAMODI Podcast, Coach Matt Sayman sits down with longtime friend and coaching partner Matt Garnett, head girls coach at Gordon High School. Coach Garnett has an incredible journey — from being the head men's coach at Wayland Baptist and McMurry University, to leading his daughters at Trinity Christian Academy and Grapevine Faith, to now building something special at Gordon.Together, Matt and Matt go back and forth sharing the top three coaching ideas they've each borrowed over the years. From performance evaluation systems, shot selection scales, postgame highlight videos, and eliminating postgame talks, this episode is packed with wisdom for coaches at every level.We've also been directing MG Basketball Camps together for over 15 years, so this conversation is more personal and relaxed than usual. You'll get an inside look at how friendships, faith, and coaching experiences have shaped the way we lead teams and build culture.Whether you're a high school coach, college coach, or youth coach, you'll leave with practical tools, encouragement, and a reminder of why we coach in the first place.

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.

What if writing your book wasn't the finish line, but the moment everything starts? Today, we're celebrating what happens when a book becomes more than just pages on a shelf. When you publish with intention, you're not just sharing your ideas—you're stepping into new rooms, starting fresh conversations, and creating momentum you couldn't have planned for. Books open doors. Sometimes quietly, like a surprising email from a dream client. Sometimes loudly, with standing ovations at speaking gigs or major media invitations. But always powerfully. And when you build your book with the right foundation, it doesn't just open one door; it holds every door open for what's next. It's a perfect day to talk about this, because the day we record this episode, my newest book, “LAUNCH Your Book! An Entrepreneur's Guide to Reviews That Drive Revenue,” officially launches.  This book received more than 200 written Amazon reviews during its two-week soft launch. Many of those readers said this is the book they wish they had when they launched their first book—and I agree.  It's designed to help you turn readers into clients, reviews into revenue, and your book into a lasting business asset. You can get the book and bonus content at www.BookLaunchBrainstorm.com.  And now, I'm thrilled to welcome today's panelists—authors who know firsthand how publishing a book can spark surprising opportunities and incredible growth. Carolyn Choate wrote “Supercharge Your Website Traffic: Unlock The Secrets To Infinite Website Visitors” to help you discover the four essential types of website traffic—Borrowed, Organic Inbound, Organic Outbound, and Paid—and learn how to mix and match them to create a personalized, results-driven traffic strategy that actually fits your business. Eric Lucrezia wrote “Getting into an MBA in the USA: The no B.S. guide from Candidate Coach,” a no-fluff, step-by-step guide to standing out and getting accepted by top MBA programs around the world—with expert advice tailored to where you're applying. Susan Fitzell wrote “Neurodiversity in the Workplace: Maximizing Success through Inclusive Dynamic Workplace Design™,” a strategic guide for C-suite leaders to unlock innovation and boost performance by building inclusive, neurodiverse teams through practical, business-driven solutions. Please join me in welcoming Carolyn, Eric, and Susan.  In this episode, we discuss the following:

Ever wondered where the line between inspiration and appropriation lies in performance art? Captain Frodo welcomes comedian-magician Nick Diffatte for a candid exploration of originality in magic that will resonate with creators across all disciplines.Nick takes us behind the scenes of Tannen's Magic Camp—an intensive gathering where 120 young magicians (ages 10-20) immerse themselves in the craft under the guidance of working professionals. You'll feel like you're wandering the Hogwarts-like halls of Bryn Bawr College as Nick describes the transformation these young performers undergo when they realize they're not alone in their passion. The teaching methodology is fascinating: forcing students to perform on day one breaks down barriers, creating a safe space where they can be vulnerable enough to truly learn.The conversation shifts into territory rarely discussed publicly—the ethical questions performers face when developing material. Through the lens of what Nick calls "the Elvis analogy," they explore how performers can honor magical traditions while still finding their authentic voice. When does a borrowed trick become truly yours? How much must you change something before claiming ownership? The answers aren't simple, but they're essential for anyone who creates.Most compelling is their shared vulnerability about their own creative processes. Captain Frodo confesses his insecurity about performing routines developed by others, while Nick reveals his struggles publishing instructional material that walks the line between teaching technique and sharing complete performance pieces. Their honesty strips away the mystery often surrounding creative work, revealing the human questions that haunt even the most accomplished performers.Whether you're a magic enthusiast or simply someone who appreciates the creative process, this episode offers rare insights into how art evolves through generations while remaining true to its roots. Subscribe now and join the conversation about what it means to create something truly original in a world built on shared traditions.Support the show...Now you can get t-shirts and hoodies with our wonderful logo. This is the best new way to suport the podcast project. Become a proud parader of your passion for Showmanship and our glorious Craft whilst simultanously helping to gather more followers for the Way.You'll find the store here: https://thewayoftheshowman.printdrop.com.auIf you want to help support this podcast it would be tremendous if you wrote a glowing review on iTunes or Spotify.If you want to contact me about anything, including wanting me to collaborate on one of your projects you can reach me on thewayoftheshowman@gmail.comor find out more on the Way of the Showman website.you can follow the Way of Instagram where it is, not surprisingly thewayoftheshowman.If you find it in you and you have the means to do so, you can suport the podcast financially at:https://www.buymeacoffee.com/captainfrodo

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  

This week on the JAMODI Podcast, Coach Matt Sayman sits down with longtime friend and coaching partner Matt Garnett, head girls coach at Gordon High School. Coach Garnett has an incredible journey — from being the head men's coach at Wayland Baptist and McMurry University, to leading his daughters at Trinity Christian Academy and Grapevine Faith, to now building something special at Gordon.Together, Matt and Matt go back and forth sharing the top three coaching ideas they've each borrowed over the years. From performance evaluation systems, shot selection scales, postgame highlight videos, and eliminating postgame talks, this episode is packed with wisdom for coaches at every level.We've also been directing MG Basketball Camps together for over 15 years, so this conversation is more personal and relaxed than usual. You'll get an inside look at how friendships, faith, and coaching experiences have shaped the way we lead teams and build culture.Whether you're a high school coach, college coach, or youth coach, you'll leave with practical tools, encouragement, and a reminder of why we coach in the first place.

On the show today: Brad Carr's photography isn't just about making beautiful landscape pictures and being out in nature, it's about a sense of catharsis, healing and even survival. Growing up in a violent, abusive home left scars that still echo today, but the camera became his way back to himself. What started with borrowing his sister's camera has grown into a profession and, more importantly, a lifeline. In this episode, Brad shares how landscapes, ancient oaks, and the act of making photographs have helped him create, steadying a life once marked by turmoil. In today's mailbag: a letter from Patrick Gerke with poetry and reflections on photography as pure escapism, plus street photographer Ann Luu-Trong shares her “why.” Complaints Corner is open again, and this time it's my maths under fire (nobody told me adding up was part of the job description!) There's news of a brand-new end-of-year competition, and it's the final call to take part in Ibarionex's September One Word Assignment. Links to all guests and features will be on the show page, my sincere thanks to Arthelper, who sponsor this show, plus our Extra Milers, without whom we wouldn't be walking each week. WHY: A Sketchbook of Life is available here.

Questions regarding the brutal deaths of 5 members of an expedition to the Himalayas send the Agents to the Medical Examiner. 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/

Have you ever wondered if you can really hear God's voice for yourself? In today's conversation with Bible teacher and author Mariel Davenport, you'll be encouraged to know that you can, and it starts with opening God's Word.Mariel shares her powerful testimony of moving from atheism to faith after reading a borrowed Bible, and how God's Word completely transformed her life. We talk about what it looks like to engage Scripture in a way that's personal, approachable, and deeply transformative.Mariel walks us through her TEND method — a simple, garden-inspired framework that helps women engage more deeply with the Word of God. If you've ever felt dry in your faith, unmotivated to pick up your Bible, or unsure of how to really connect with what you're reading, this episode will give you fresh hope and practical steps forward.God's Word isn't distant or complicated. It's living, active, and available to you right now (Hebrews 4:12).To connect with Mariel, head over to https://marieldavenport.com or @marieldavenport on IG!Get the FREE Tend Guide: https://marieldavenport.com/start  TEND Bible Study: https://amzn.to/3VrRv2Y SUPPORT BY WORDS: https://buymeacoffee.com/bywordsSHOP MY BOOKS:Waking Up: Living Open — https://amzn.to/3LusgrzLove Is Devotional — https://amzn.to/3S6OZhs FREE Path to Purpose Guide: https://hannahhughes.myflodesk.com/pathwaytopurpose My favorite Bible studies + devotionals - HANNAHHUGHES10  for 10% off: https://thedailygraceco.com?dt_id=300773 Connect: ⁠www.thehannahhughes.com⁠Instagram: ⁠https://www.instagram.com/thehannahhughes/⁠ https://www.instagram.com/bywordspodcast Shop my Amazon faves: ⁠https://www.amazon.com/shop/thehannahhughes⁠

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

So where exactly is Trump's America? According to the Brookings fellow Jonathan Rauch, the world's largest economic, military and cultural power is “half way to Hungary” - the small, landlocked Central European country run by an equally small and landlocked man called Viktor Orban. For Rauch, this suggests that America is on its way to becoming the sort of pathetically petty patrimonial state that the wannabe dictator Orban is trying to establish in Hungary. But the idea of the world's dominant superpower being “halfway to Budapest” sounds more like the title of a characteristically absurd central European novel. It suggests that Trump's America is, in fact, currently lost in the mid-Atlantic. It's nowhere. And if making America great again really does require borrowing anything from a country as small and landlocked as Hungary, then I fear for the historical significance of both Trump and his MAGA movement. Surely they could come up with a more original playbook than that?1. America is Following the “Hungarian Playbook” of Modern Authoritarianism Rauch warns that Trump is deploying Viktor Orbán's four-part strategy: sue critics into bankruptcy, use regulatory power to threaten licenses, buy out media outlets, and intimidate advertisers. This represents a new form of authoritarianism that doesn't require tanks or military coups.2. The Rise of the “Woke Right” - Postmodern Tactics Adopted by Conservatives The right has borrowed from postmodern philosophy the idea that there's no objective truth, only power and narrative control. This creates a “postmodern right” that focuses on winning stories rather than establishing facts - exemplified by claims about vaccine dangers or election fraud.3. Constitutional Crisis is Already Underway, Not Coming Rauch argues we're not heading toward a constitutional crisis - we're already in one. He points to executive orders targeting political enemies and the “naked politicization” of prosecutorial systems as evidence that democratic norms have already been breached.4. 2028, Not 2026, Will Be the Real Test While Rauch expects the 2026 midterms to be relatively fair (70-80% likelihood), he's deeply concerned about 2028. The administration won't have enough time to fully implement election interference by 2026, but 2028 could see systematic attempts to rig the democratic process.5. Resistance Requires Slowing Down Authoritarian “Shock and Awe” The most effective resistance strategy is to slow down Trump's rapid implementation of authoritarian measures through litigation and civil society pushback. Early capitulation doesn't work - it only invites more demands. The key is preventing the normalization of antidemocratic behavior.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

Art Spiegelman's Maus almost single-handedly elevated comics from throw-away inserts in newspapers to a serious literary art worthy of winning the highest award in book publishing. But it's not an accident that this book is coming back to us now. Maus was swept once again into the public eye three years ago, when the conservative movement to target marginalized stories took aim at the beloved graphic novel. In this episode, we examine how comic book censorship in the 1950s led to the creation of Maus, and eventually shifted the way we tell stories about resistance, memory, and authoritarianism.You can read a transcript of this episode on our website. Further resources:Check out our booklist with books recommended by Art Spiegelman, and more.Read Amy Kurzweil's Flying Couch and Molly Crabapple's Drawing Blood. You can read more about both of them on their websites.Art Spiegelman's comic collaboration with Joe Sacco was published in The New York Review of Books earlier this year. You can check out Sacco's Palestine and his more recent War on Gaza from the library.Learn more about the Comic Book Legal Defense Fund and the history of comic book censorship.Listen to our interviews with Maia Kobabe, author of Gender Queer, and Mike Curato, author of Flamer from our previous series, Borrowed and Banned.Watch Art Spiegelman discuss MetaMaus with Dan Nadel at Brooklyn Public Library.

In Part 4 of The Chiropractic CEO Code, we dive into your responsibility as CEO to lead your practice’s marketing—without becoming a full-time content creator. You’ll learn: Why most chiropractors abdicate, not delegate, their marketing (and how to fix it) The importance of knowing who you’re perfect for (Standout Strategy) How to activate your Broadcast Engine using Owned, Borrowed, and Bought media Why trust takes time—and what Google’s Zero Moment of Truth means for you How to outsource wisely without losing control If you’ve ever felt like marketing is overwhelming, inconsistent, or not attracting the right people, this episode will reset your approach.See omnystudio.com/listener for privacy information.

The Agents investigate deaths in an unusual museum in Portland, Maine. 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/id1408365472Subscribe to our YouTube channel at:https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriberSpotify:https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLAPandorahttps://pandora.app.link/WOmEP5Rf1CbiHeart 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=1-1We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detailAlso on Podbeanhttps://www.podbean.com/podcast-detail/vkker-a5316/ROLL-THE-HARD-20-PODCAST/page/6Just 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/rollthehard20podcastContact your Trusted D.M. Brian! Visit the website at:https://www.rollthehard20podcast.com/Email us at:rollthehard20podcast@gmail.comWant 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_1Follow our social media footprints at:https://m.facebook.com/groups/202767550592121https://instagram.com/rollthehard20?igshid=gjlo7p4lay72https://twitter.com/rollthehard20?s=11"Darkling", "Laser Groove"Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0https://creativecommons.org/licenses/by/4.0/

Send us a textNow that she has two kids in daycare, Emily is a pro at being ready for the unexpected! From how to pack a bag to what to look for in a daycare facility, we break down all of the things that feel scary so you can feel prepared for this next step. Keep up with us on social media!Instagram - @cadenlaneTikTok - @cadenlanebabyFacebook - @cadenlaneCheck out our mom blog:imthatmom.comAnd our store:CadenLane.com

Welcome back to another episode of BUTT HONESTLY—your favorite unfiltered, over-18 podcast that somehow manages to talk about butts, blowjobs, and very real life all in one breath.September is Suicide Prevention Month, and the Booty Gang knows we don't shy away from the tough stuff. This week, Dr. Carlton and Dangilo bring in a licensed mental health professional—Dr. Ty David Lerman, founder of TDL Counseling—to tackle some of the biggest mental health challenges facing our community. From suicide and depression to stress, anxiety, kink, and even hypnosis (yes, hypnosis—it's not just for Vegas acts anymore), no topic is off-limits.The guys ask Dr. Ty:Is there a singular or more specific reasons someone resorts to unaliving themselves??Are LGBTQ+ folks more prone to suicidal ideation?Can “casual meth use” actually exist, or is that like saying “casual tax audit”?What's the difference between a panic attack and an anxiety attack?And the big one—does hypnosis really work, or will we end up clucking like chickens?It's an episode packed with honesty, heart, and (because it's us) just enough irreverence to keep you laughing while you learn. And of course, they wrap it all up with their signature Love Language of the Week—because even heavy conversations deserve a soft landing.So grab your headphones, settle your cheeks, and get ready for an episode that proves you can laugh, learn, and cry—all in one sitting.https://www.instagram.com/tngoyankee?igsh=NTc4MTIwNjQ2YQ%3D%3DAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Borrowed from the RevRx Podcast: Is your marriage stuck in the same old arguments? Do you feel like unresolved wounds keep sabotaging your connection? In this episode of The Rev Rx Podcast, I sit down with relationship coach Kameran Thompson Al-Areqi to uncover the raw, unfiltered truth about what's really going on beneath the surface of struggling marriages.With a proven track record of coaching over 100 couples—and a 97% success rate—Kameran shares why childhood wounds don't just disappear when you say “I do”. Instead, they show up in your communication, conflict, and connection with your spouse. But there's hope: when you address the root, you can break free from cycles of disconnection and build a thriving marriage.What You'll Learn in This Episode:How unhealed childhood wounds resurface in marriage and fuel conflictWhy couples fall into repetitive argument loops—and how to break freeThe role of joy as emotional glue in creating intimacyWhy chasing “happiness” leads to emptiness—and why covenant commitment creates lasting lovePractical tools to improve communication and resolve conflict with empathyWhy personal healing is the key to restoring your marriage from the inside outThis episode isn't about surface-level tips or temporary fixes—it's about uncovering the deeper patterns holding your relationship back and learning how to build a marriage rooted in joy, covenant, and connection.If you're ready to stop avoiding the hard truths and start transforming your relationship, this conversation will inspire you to take the first step.Connected & Committed: A 6-Week Blueprint for a Stronger Marriage Email Kam: coaching@recognizingpotential.comSign up for the free weekly newsletter on my websiteFollow the RevRx Podcast

 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

Stacey Abrams is a renowned political leader, lawyer, author, and advocate for equity and justice. Known for her relentless work supporting voting rights and addressing poverty and inequality, Stacey is also an acclaimed writer of legal thrillers, including her latest work, Coded Justice, which explores the ethical dilemmas surrounding AI in the legal system. With roots in the Deep South, Abrams credits her family and upbringing for inspiring her commitment to social change and her ability to translate complex issues into relatable action. Beyond politics and books, she is a powerful speaker and founder of several organizations advocating for inclusion and systemic reform. Takeaways: Power is Borrowed, Not Owned: Stacey discusses the idea that positions of authority are ultimately “borrowed power,” and true impact comes from influence, not titles. AI & Justice: Her novel Coded Justice highlights both the potential and the danger of integrating AI in the legal system, urging that technology must always operate within ethical guardrails. Leadership is Responsibility, Not Permission: Abrams emphasizes that leadership means taking responsibility and acting even without formal authority—championing the idea of being a “professional troublemaker” for good. Sound Bites: “Poverty is immoral. It is economically inefficient, and it is solvable… For me, it is a call to action.” – Stacey Abrams “You don't have to be given the authority to act, to have the responsibility of action. And that's leadership.” – Stacey Abrams “AI is a tool that can be used to build or a tool that can be used to destroy, but it's just a tool. It's up to the humans who are wielding it.” – Stacey Abrams Connect & Discover Stacey: Website: https://www.staceyabrams.com/ Instagram: https://www.instagram.com/staceyabrams Facebook: https://www.facebook.com/StaceyAbramsGA# YouTube: https://www.youtube.com/channel/UCPjnB2FdBAvJp2fKOGzJHww X: https://x.com/staceyabrams Book: Coded Justice: A Thriller

Jim Hill and Eric Hersey return with a loaded episode of the Epic Universal Podcast, blending Halloween Horror Nights buzz with theme park history and rumors. Opening weekend reactions to HHN 2024, including Terrifier, Five Nights at Freddy's, and the controversial “deathly afraid” lanyards RIP Ride Rockit demolition updates and Ghostbusters speculation for Universal's front gate Could Back to the Future replace Fast & Furious? The latest whispers from insiders The Tooniversal deal that almost brought Looney Tunes and DC to Universal — and how its failure led to the Lost Continent Who really stole what? Disney borrowing from Knott's, Universal borrowing from Disney, and the chain of “borrowed” ideas that shaped Dueling Dragons From HHN news to the “battle of borrowed rides,” Jim and Eric serve up insider scoops, history, and plenty of banter. Follow Eric on X and Instagram @EricHersey Follow Jim on X and Instagram @JimHillMedia Unlocked Magic Unlocked Magic, powered by DVC Rental Store and DVC Resale Market, offers exclusive Disney & Universal ticket savings with TRUSTED service and authenticity. With over $10 MILLION in ticket sales, use Unlocked Magic to get the BIGGEST SAVINGS. Learn More Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

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.

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.

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