Podcasts about borrowed

Do you ever find yourself going round in circles with the same problem or struggling to come up with fresh ideas at work? In this episode, Helen and Sarah are borrowing brilliance from the Deck of Brilliance - a creative thinking tool packed with prompts to help you break out of your default patterns and see things differently. Together, they explore three simple techniques that help you reset your thinking, unlock new ideas, and make better decisions when you feel stuck.

Clint, Meg and Dan kick off the Edge Breakfast with 6am throwbacks and big giveaways, including EZ Money for $10,000 and Zara Larsson tickets. Dan debates whether a shoe-store comment about his big feet was flirting, while Meg’s Scandal dives into Cruz Beckham’s band and the nepo baby debate. Callers join in: a dreadlock hairdresser, a Friends superfan wins a McDonald’s Friends prize, and two $10K attempts fall short. The team also calls out borrowed items never returned, celebrates great bosses, launches a “beauty” themed art-off to be auctioned on Trade Me, and debates Dunedin as NZ’s most liveable city with the mayor. 00:00 GOOD MORNING!02:10 6AM Throwback05:14 Coffee catch-up09:02 Scandal13:58 First call of the day20:27 Maccas x Friends game24:04 EZ Money26:31 Borrowed and never returned...34:22 Clint vs Megan...39:23 Scandal42:51 World’s Best Boss?50:16 EZ Money53:22 The A-Lister list01:02:49 Most Livable City in NZ?

Disappearing Neighbors, Upended Constitutional Norms, ans an Artist's Response to ICE   Curtis Chang talks with singer-songwriter and Twin Cities resident Sara Groves about heightened ICE activity in Minneapolis–Saint Paul and why the consequences for families and neighborhoods persist after the headlines fade. Groves challenges claims that "protesters are paid agitators" or that "ICE targets only criminals," naming the emotional and spiritual toll alongside concerns about due process and constitutional overreach. They discuss "borrowed courage," the cost of public witness—when refusing to defend the indefensible—and how Christians can resist dehumanization by loving neighbors and cultivating beauty amid fear and division.   Sign up for the Good Faith Newsletter   02:45 - Sara's Eyewitness Account of ICE Activity 07:08 - Challenging Misconceptions and Narratives 10:18 - Refugees and Legal Overreach 13:48 - Has Their Been A Public Reaction to Sara's Advocacy? 18:43 - Local Tragedies and Finding Borrowed Courage 23:44 - Why Do Some Stay Silent or Disengaged? 25:31 - Losing Fans and the Cost of Advocacy 35:41 - What Is the Artist's Response? 43:42 - The Challenges For Sensitive Souls Engaging in Social Justice  44:38 - A Message to Listeners Beyond Minnesota   Scriptures: Matthew 22:37-39 (ESV) Mark 12:29-31 (ESV) Isaiah 1:18 (ESV) Ephesians 6:10-18 (ESV)   Mentioned in This Episode: Video from Sara's social media bearing witness to current event s in Minnesota Learn about the work of International Justice Mission MPR articles about the killing of Philando Castile MPR articles about the murder of George Floyd Two 17-year-old U.S. citizens detained at Target (local news video) Federal Court Blocks: "Operation PARRIS," Orders Release of Detained Refugees More about Makoto Fujimura Kazuo Ishiguro's The Buried Giant Flannery O'Connor's Some Aspects of the Grotesque in Southern Fiction (read by O'Connor) Dorcas Thomson's Social Justice for the Sensitive Soul Learn about the Art House North Sara Groves' album What Makes It Through? Sara Groves' song "Telltale Heart" Sara Groves' song "Enough" Sara Groves' song-in-progress "Normal Things Are Hard Right Now" Steven Galloway's The Cellist of Sarajevo   Past Episodes Referenced in this Conversation: Good Faith ep. 215: David French: Dual State America and Authoritarianism - Renee Good and the Trump Administration Good Faith ep. 142: Finding God in the Small Things with Charlie Peacock & Andi Ashworth   More From Sara Groves: Sara Groves' Patreon Sara Groves' website   Follow Us: Good Faith on Instagram Good Faith on X (formerly Twitter) Good Faith on Facebook   The Good Faith Podcast is a production of a 501(c)(3) nonpartisan organization that does not engage in any political campaign activity to support or oppose any candidate for public office. Any views and opinions expressed by any guests on this program are solely those of the individuals and do not necessarily reflect the views or positions of Good Faith.

Disappearing Neighbors, Upended Constitutional Norms, ans an Artist's Response to ICE   Curtis Chang talks with singer-songwriter and Twin Cities resident Sara Groves about heightened ICE activity in Minneapolis–Saint Paul and why the consequences for families and neighborhoods persist after the headlines fade. Groves challenges claims that "protesters are paid agitators" or that "ICE targets only criminals," naming the emotional and spiritual toll alongside concerns about due process and constitutional overreach. They discuss "borrowed courage," the cost of public witness—even losing fans when refusing to defend the indefensible—and how Christians can resist dehumanization by loving neighbors and cultivating beauty amid fear and division.   Sign up for the Good Faith Newsletter Register for the Illuminate Arts + Faith Conference   02:45 - Sara's Eyewitness Account of ICE Activity 07:08 - Challenging Misconceptions and Narratives 10:18 - Refugees and Legal Overreach 13:48 - Has Their Been A Public Reaction to Sara's Advocacy? 18:43 - Local Tragedies and Finding Borrowed Courage 23:44 - Why Do Some Stay Silent or Disengaged? 25:31 - Losing Fans and the Cost of Advocacy 35:41 - What Is the Artist's Response? 43:42 - The Challenges For Sensitive Souls Engaging in Social Justice  44:38 - A Message to Listeners Beyond Minnesota   Scriptures: Matthew 22:37-39 (ESV) Mark 12:29-31 (ESV) Isaiah 1:18 (ESV) Ephesians 6:10-18 (ESV)   Mentioned in This Episode: Video from Sara's social media bearing witness to current event s in Minnesota Learn about the work of International Justice Mission MPR articles about the killing of Philando Castile MPR articles about the murder of George Floyd Two 17-year-old U.S. citizens detained at Target (local news video) Federal Court Blocks: "Operation PARRIS," Orders Release of Detained Refugees More about Makoto Fujimura Kazuo Ishiguro's The Buried Giant Flannery O'Connor's Some Aspects of the Grotesque in Southern Fiction (read by O'Connor) Dorcas Thomson's Social Justice for the Sensitive Soul Learn about the Art House North Sara Groves' album What Makes It Through? Sara Groves' song "Telltale Heart" Sara Groves' song "Enough" Sara Groves' song-in-progress "Normal Things Are Hard Right Now" Steven Galloway's The Cellist of Sarajevo   Past Episodes Referenced in this Conversation: Good Faith ep. 215: David French: Dual State America and Authoritarianism - Renee Good and the Trump Administration Good Faith ep. 142: Finding God in the Small Things with Charlie Peacock & Andi Ashworth   More From Sara Groves: Sara Groves' Patreon Sara Groves' website   Follow Us: Good Faith on Instagram Good Faith on X (formerly Twitter) Good Faith on Facebook   The Good Faith Podcast is a production of a 501(c)(3) nonpartisan organization that does not engage in any political campaign activity to support or oppose any candidate for public office. Any views and opinions expressed by any guests on this program are solely those of the individuals and do not necessarily reflect the views or positions of Good Faith.

The Borrowed SmileBecome a supporter of this podcast: https://www.spreaker.com/podcast/darkest-mysteries-online-the-strange-and-unusual-podcast-2026--5684156/support.Darkest Mysteries Online

Reinvention isn't a comeback montage; it's a messy rebuild in public. We brought Maven on to talk about how he turned a “Tough Enough” tag he could never shake into a media brand built on candor, craft, and community. From going viral on YouTube within months to taking bumps on thumbtacks just to explain how the magic works, he breaks down the strategy behind the growth: make YouTube videos that happen to be about wrestling, not wrestling videos awkwardly uploaded to YouTube.We trace the arc from early locker room heat to earning respect through work with The Undertaker and veterans who judged him on how he treated people and performed in the ring. Maven opens up about living under labels, why he stopped seeking permission, and how telling the truth—politely or bluntly—wins over audiences even when it ruffles peers. He shares the episode with Enzo that never aired, the night he borrowed Batista's suit when his custom one didn't show, and the reality of Randy Orton's once-in-a-generation instincts paired with youthful volatility. There's RVD lore, too, and a confession about losing a round to the legend's tolerance.We also get practical about the business side fans feel in their wallets: ticket prices that price out families, short-circuiting the pipeline that made so many of us fans in the first place. Maven argues for affordability, smarter demographics, and creating spaces where fathers, mothers, and kids can build memories without breaking the bank. And for wrestlers eyeing life after the ring, he lays out a blueprint for owning your story: collaborate widely, serve the audience first, bring receipts, and respect the platform.If you love wrestling storytelling with honesty, humor, and real insight into YouTube growth, audience building, and fan-first thinking, this conversation hits the sweet spot. Listen, share it with a friend who loves the business, and if it resonated, subscribe and leave a review so more fans can find it.Send a text

In this episode of Building the Billion Dollar Business, Ray Sclafani introduces the concept of white space and explains why it is essential for effective leadership as advisory firms grow. Borrowed from design, white space is not empty space, it is intentional space that gives structure, clarity, and meaning. Ray explains that leadership works the same way. As organizations scale, calendars fill, meetings multiply, and leaders become embedded in day-to-day execution. While constant motion can feel productive, it often comes at the cost of perspective and judgment.Drawing on leadership research and personal experience, Ray explains that the most effective leaders deliberately create distance from daily operations to think, reflect, and see patterns more clearly. White space allows leaders to step above the business rather than remain buried inside it. This intentional pause improves decision quality, strategic clarity, and people leadership over time.The episode closes with two coaching questions to help leaders reflect on the kind of leader they need to become and how intentionally they are designing their schedules to support that growth.Key TakeawaysLeadership effectiveness improves when leaders step back from daily execution.Research shows that distance improves judgment, adaptability, and leadership outcomes.White space allows leaders to reframe problems instead of reacting to them.Leaders should schedule quarterly white space sessions and treat them as non-negotiable.Leadership happens when leaders intentionally create space to think above the business.Questions Financial Advisors Often AskQ: What is white space in leadership?A: White space is intentional time and space designed for thinking, reflection, and perspective. It is not empty or unproductive time, but space that allows leaders to step above day-to-day execution and focus on judgment, patterns, and long-term direction.Q: Why is white space important for leaders?A: White space improves leadership effectiveness by creating distance from constant execution. Research referenced in the episode shows that leaders who intentionally step away from daily operations demonstrate stronger judgment, better adaptability, and higher decision quality in complex environments.Q: How is white space different from catching up on tasks?A: White space is not clearing an inbox or working in a quieter location. True white space requires restraint and choosing not to fill every moment on the calendar. It is time designed specifically for thinking, reflection, and perspective.Q: When should leaders create white space?A: White space becomes more important as responsibility grows. When everything feels urgent, leaders need intentional pauses to avoid losing altitude and perspective.Q: How often should leaders schedule white space?A: Ray recommends creating intentional white space at least once a quarter. This could be a half day away from the office, a solo offsite, or uninterrupted time designed specifically for thinking.Find Ray and the ClientWise Team on the ClientWise website or LinkedIn | Twitter | Instagram | Facebook | YouTubeTo join one of the largest digital communities of financial advisors, visit exchange.clientwise.com.

Send us a textIn this reflective conversation, Nathan Freeburg sits down with Dr. Linda Schubring and Brian Schubring to explore the prelude and postlude of Unfolded: Lessons in Transformation from an Origami Crane. Together, they unpack how dreams shape identity, why borrowed belief matters, and how our personal “maps” can never be erased—even when they're marked by struggle or uncertainty.Key Themes:Dreams that shape us—even when they aren't fulfilled literallyBorrowed belief and the courage to tryIdentity, growth, and integrationWhy our creases and imperfections matterLiving “unfolded” as a daily practiceKey Quotes:“The clues about our greatest potential lie in the creases of our dreams.”“No one can erase your map.”“Unfolded is a mindset and a practice.”

The Spirit forms the church to see the world through the cruciform wisdom of Christ rather than through human certainty.

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Rabbi Kalish

The panel explored the intersection of natural and man-made materials in landscape design, highlighting the balance between aesthetic, sustainability, and functional concerns. Participants discussed how interior and landscape designers borrow nature to create cohesive environments, including outdoor “rooms” and hardscape features softened with plantings. Material selection — stone, metal, glass, composite decking, and synthetic turf — was debated, with attention to local sourcing, durability, environmental impact, and client expectations. The panel also emphasized the sensory experience of landscapes, touching on sight, sound, smell, and taste, and how design can evoke memory and emotion. Sustainability, fire safety, maintenance, and longevity were recurring themes, particularly in the adoption of synthetic materials that mimic natural ones while reducing environmental or upkeep costs. Borrowed landscape: Using surrounding natural colors and textures to inform material choices in hardscape design. Softening hardscape: Plantings and layered design to maintain depth without overwhelming the property. Context-appropriate material selection: Stone, metal, glass, gravel, and concrete chosen according to environment, use, and climate. Trend toward natural imperfection: Broken edges, less precision, biophilic design responding to a highly digital, precise world. Sustainability tensions: Balancing natural and synthetic materials for longevity, cost, and environmental impact. Synthetic decking and recycled composites: TimberTech and similar products for durability, low maintenance, and fire safety. Artificial turf considerations: High-use areas, water savings, lifespan, recycling challenges. Sensory-driven design: Sight, sound, smell, and taste incorporated into landscapes for holistic human experiences. Childhood memory and emotional recall: Design that evokes personal sensory memory for users. Fire and climate constraints: Materials must meet modern safety and insurance standards.

Some machine shop owners talk about people-first leadership. Few are willing to put everything on the line to prove it. In this episode of Machine Shop Mastery, I sit down with Gary Poesnecker, founder of Spectrum Machine & Design, whose leadership was tested when the world shut down. Faced with collapsing demand during COVID, Gary made a decision most owners wouldn't: he borrowed over $1 million to keep his team employed and protect the tribal knowledge inside his shop. That moment didn't happen in isolation. It was the result of decades of experience across precision grinding, machine rebuilding, offshore oil equipment, and ultimately high-risk aerospace manufacturing, where a single part can be worth hundreds of thousands — or even millions — of dollars. Gary shares how starting in a garage, working two full-time jobs, and getting fired shaped his views on culture, loyalty, and responsibility. We dig into the realities of AS9100, NADCAP, model-based definition, managing extreme risk, and why refusing high turnover has become a strategic advantage. This conversation is about what it really takes to build a high-stakes manufacturing business — and what it means to lead when the cost of failure is measured in both dollars and people. You will want to hear this episode if you are interested in... (0:00) Why culture, turnover, and tribal knowledge matter more than most shops admit (1:03) Introducing Gary Poesnecker and Spectrum Machine & Design (3:08) What Spectrum Machine & Design does today and why aerospace is different (6:28) Gary's early machining background and learning precision the hard way (8:07) Why you need to register and come see us at IMTS 2026! (10:08) Lessons from machine repair, offshore oil work, and complex systems (14:18) Working two full-time jobs to fund the shop and ease into ownership (15:46) Getting fired, witnessing bad culture, and deciding to lead differently (18:00) Hiring the first employee and committing to long-term loyalty (23:43) Transitioning from toolmaking into aerospace production work (27:36) COVID, lost demand, and the decision to pivot to survive (33:45) Check out Phoenix Heat Treating for outside processing (34:51) Borrowing over $1M to protect payroll and keep the team intact (36:34) Recruiting and training young talent through technical schools (42:25) Building a culture people choose to stay in (44:23) Implementing systems and ERP to gain visibility and control (47:36) Managing risk on extremely high-value aerospace parts (50:20) Current challenges around systems, lean, and process discipline (51:29) What makes shop ownership worth it despite the pressure (52:30) Advice for owners growing through complexity and specialization (53:25) Look to Hire MFG Leaders to make your next hire (55:17) Where to learn more about Spectrum Machine & Design Resources & People Mentioned Come see us at IMTS 2026! Check out Phoenix Heat Treating for outside processing ProShop ERP Look to Hire MFG Leaders to make your next hire Connect with Gary Poesnecker Connect on LinkedIn Spectrum Machine & Design Connect With Machine Shop Mastery The website LinkedIn YouTube Instagram Subscribe to Machine Shop Mastery on Apple, Spotify

In this episode of The Interior Lovers, Sam and Naomi dig into copycat colour - that familiar moment when a palette looks beautiful online, but somehow feels wrong once it's in your own home.They explore why colour choices that are lifted directly from Instagram or Pinterest can leave us feeling unsettled, disconnected or even anxious - and why that reaction isn't about “getting it wrong”, but about missing personal and emotional alignment.This conversation goes beyond aesthetics. Sam and Naomi talk about colour as a sensory, emotional experience - shaped by memory, light, risk tolerance and the realities of how we actually live. They unpack why so many people play it safe with colour, how imitation can stall confidence, and what it really means to develop a palette that feels like you.You'll also hear practical guidance on choosing colour more intentionally - from understanding how light transforms shades throughout the day, to using inspiration as a starting point rather than a template.If you've ever copied a colour scheme that looked perfect on screen but never quite settled in real life, this episode will help you understand why - and what to do differently next time.

What if the reason you haven't reached your next level isn't strategy — but subconscious programming?  So many driven leaders do "all the right things," yet still feel stuck, unfulfilled, or disconnected from their purpose. The missing piece often lives beneath the surface. In this episode of The Business of You, we explore the powerful relationship between mindset, purpose, and success — and how rewriting the mental scripts formed early in life can radically change both your business and your personal fulfillment. Eli Bowman is a top-selling author, certified Aspire Tour Speaker, and 7-figure entrepreneur who scaled a startup to a multimillion-dollar valuation after transforming his own internal programming. As a certified expert in Neuro-Linguistic Programming (NLP), Eli helps leaders identify unconscious beliefs and replace them with empowering frameworks rooted in authenticity and intention. In this episode, Eli breaks down how subconscious conditioning shapes outcomes, how to move through deconstruction without getting stuck, and how you can begin rewriting your own program. Understanding the Programs That Run Your Life Eli explains how our earliest experiences shape unconscious beliefs that quietly dictate our decisions, behaviors, and tolerance for risk. From birth through early childhood, the brain is highly impressionable — absorbing messages about safety, success, and self-worth that often remain unexamined well into adulthood. For entrepreneurs and leaders, these hidden programs can show up as fear of failure, chronic self-doubt, or resistance to growth. By developing awareness and learning to observe these patterns without judgment, leaders gain the power to choose differently — rather than repeating inherited scripts. Through neuro-linguistic programming, Eli shows how becoming conscious of these internal patterns is the first step toward reclaiming agency and building a future aligned with who you truly are. The Path of Purpose: From Deconstruction to Impact Eli introduces his framework, The Path of Purpose, guiding listeners through four stages: conformity, deconstruction, enlightenment, and impact. While deconstruction can feel uncomfortable — even painful — Eli reframes it as a necessary foundation for authenticity and lasting fulfillment. Rather than identifying with being "broken" or perpetually healing, Eli encourages completion — acknowledging past conditioning, releasing it, and consciously choosing new beliefs. This shift allows leaders to move forward with clarity, confidence, and creative energy. When purpose becomes clear, impact naturally follows. Eli's journey shows that fulfillment isn't found by chasing success — it's found by aligning internal truth with external action. Enjoy this episode with Eli Bowman… Soundbytes 15:28 – 15:56 "In order to really shed borrowed values, we have to go through a deconstruction period where we take everything apart. This can be really painful. This could look like rock bottom. It could look like despair. No one wants to experience that, but sometimes rock bottom isn't a place where you arrive — it's a foundation upon which you can build. For me, rock bottom was necessary." 35:48 – 36:35 "We create as we speak. Here's the framework I would give someone. The self-talk that we participate in must be positive, uplifting, hopeful, edifying, and creative — not destructive, not critical of ourselves. The way we talk about ourselves to ourselves is so powerful and it directly affects our day-to-day life. We say the words, or think them, to ourselves. Our unconscious mind retains that. And our unconscious mind is responsible for the patterns we live, day to day." Quotes "Rock bottom isn't where you end — it's where you rebuild." "We create as we speak." "Borrowed beliefs will always limit authentic success." "Your purpose is found when you choose who you are — not who you were told to be." Links mentioned in this episode: From Our Guest Website: https://elibowman.com/ Connect with Eli Bowman on LinkedIn: https://www.linkedin.com/in/elibowman Facebook: https://facebook.com/eliotbowman Twitter/X: https://twitter.com/elibowman Instagram: https://instagram.com/eli.bowman Connect with brandiD Find out how top leaders are increasing their authority, impact, and income online. Listen to our private podcast, The Professional Presence Podcast: https://thebrandid.com/professional-presence-podcast Ready to elevate your digital presence with a powerful brand or website? Contact us here: https://thebrandid.com/contact-form/

Send us a textYou don't need a bigger audience. You need the right kind of attention.In this episode (the first in our series of interviews with the PWR 2025 Impact Award winners), I'm joined by two brilliant women who know what it takes to build credibility, visibility, and trust without going viral or chasing vanity metrics.Emily Aborn, host of Small Business Casual and PWR Podcast Host of the Year, shares how she creates a real human connection - even when recording a podcast episode alone.KJ Blattenbauer, PWR Speaker of the Year and author of Pitchworthy, shares why depth, intention, and audience advocacy matters more than visibility for visibility's sake.Both of my guests agree that podcasting, speaking, and other forms of PR  are relationship-driven tools that help the right people find you, trust you, and buy from you.We also discuss:Choosing visibility opportunities based on your actual business goalsWhat it really means to read the room — and when to ditch the scriptHow to use podcasts, speaking, and PR to borrow trust instead of chasing attentionSimple, practical tools you can apply immediately, even if visibility scares you a little!Links & References:Learn more about all the 2025 Powerful Women Rising Impact Award winners Connect with other female entrepreneurs inside the PWR Connection NetworkListen to the Small Business Casual podcastFollow Emily on SubstackGet your copy of KJ's new book, PitchworthyFollow KJ on InstagramSupport the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

What if your biggest opportunity wasn't the one you planned for, but the one that forced you to prove you belonged?For Sarah Thompson, leading a fine dining Mexican restaurant as a non-Mexican chef wasn't the goal, but it became the proving ground. At Casa Playa inside the Wynn Las Vegas, Sarah has built more than a menu: she's built trust, earned belonging, and redefined what excellence looks like in a cuisine she wasn't raised in but has come to deeply respect.In this episode, we unpack how she overcame cultural bias in the kitchen, turned imposter syndrome into authentic leadership, and leveraged the resources of a major hospitality group to create a restaurant that's as respected by locals as it is by the Strip's most demanding diners.If you've ever had to earn your place in the room, you'll feel this one.To experience Casa Playa or learn more, visit wynnlasvegas.com._________________________________________________________Free 5-Day Restaurant Marketing Masterclass – This is a live training where you'll learn the exact campaigns Josh has built and tested in real restaurants to attract new guests, increase visit frequency, and generate sales on demand. Save your spot at restaurantbusinessschool.com

This is a massive one! Nearly two hours, but you know what they say: Too much of a good thing can be wonderful!My friend MBI (

Stop and think for a moment about where your customers come from. Is it mostly Meta ads? Mostly Instagram? Have you built a following on TikTok that's driving a lot of your brand awareness? Now here's the uncomfortable question: If that channel disappeared tomorrow — not scaled back, not got more expensive, but actually disappeared — what would happen to your business? Could you survive it? Could you pivot? Or would you be scrambling to rebuild from scratch? Because here's the thing. This isn't a hypothetical. This isn't one of those "imagine if" thought experiments. This is happening right now. In Australia. To real brands. And even if you think this particular situation doesn't apply to you — trust me, the lesson absolutely does. In this episode, we discuss what's just happened with Australia's social media ban and how this impacts brands that have built their success on platforms like TikTok and Instagram. And then we're going to zoom out and talk about the bigger picture. Because whether you sell to teenagers or retirees, whether you're on TikTok or you've never posted a single video in your life — the principle here is one that every single ecommerce brand owner needs to understand. You cannot build a sustainable business on borrowed land.       Links mentioned in this episode: If you'd like help to achieve your goals, I invite you to have a chat to find out how we can make that happen together HERE By booking a Free Growth Strategy https://productpreneurmarketing.com/lets-talk Book Your Ecommerce Website Audit   Other Ways To Enjoy This Episode: Listen on Apple Podcasts Listen on Spotify Youtube  

Why do some recruiters stay stuck on contingent work while others shift a large portion of their business to retained without pitching harder or sounding salesy? James Cairns found the answer the hard way. James is a CPA who left a stable corporate finance career to start a boutique search firm with no agency experience, no local network, and just $30,000 in savings. His first year was brutal. Three placements. Borrowed money. Serious doubts about whether he'd made a huge mistake. Then one summer night, sitting on his back porch, James made a decision that changed everything. He eliminated Plan B. From that point on, momentum followed. Today, James runs The CSP Group, a highly respected finance and accounting search firm in St. Louis. He regularly beats national firms, fills senior roles up to CFO level, and now operates with roughly 40% of his work on retained or contained terms. In this episode, James breaks down what actually drove that shift. Not better sales tactics, scripts, or pressure. But commitment, process, and the confidence to walk away from the wrong work. This conversation offers a clear look at what changes when a recruiter stops competing on volume and starts choosing the right work. In this episode, you'll learn: Why eliminating "Plan B" unlocked consistent momentum How James moved from 3 placements to 40% retained work The candidate profiling system that generates a third of his placements Why being local and specialized beats national firms How to position retained search without pitching or pressure Why walkaway power matters more than persuasion Episode highlights: [3:44] Why a CPA with zero agency experience started a search firm [6:31] Quitting with $30K, a pregnant wife, and no local network [8:46] First-year reality: three placements and borrowed money [10:04] The back porch moment that eliminated Plan B [18:41] The candidate process that transformed responsiveness [21:51] Talent profiles and how they drive a third of placements [38:02] Why local specialization beats national firms [43:27] The CFO placement that changed everything [50:04] "This is how we work": James's retained positioning [59:06] Why walkaway power leads to more retained work James's story is proof that retained success isn't about being louder or more persuasive. It's about clarity, commitment, and choosing the right work. Guest Bio: James Cairns is the founder of The CSP Group, a boutique executive search firm specializing in finance and accounting talent in the St. Louis market. James earned his CPA license and began his career at PwC in Big Four audit before moving into corporate finance roles. He started The CSP Group in 2014 with $30,000 in savings, a one-year-old at home, another child on the way, and no local business network. After a difficult first year, James committed fully to making the business work - a decision that changed everything. Today, the CSP Group places senior-level finance professionals up to the CFO level, with approximately 40% of search assignments on retained or contained terms. Connect with James: James on LinkedIn - https://www.linkedin.com/in/james-cairns-062a5b7/ The CSP Group website - https://thecspgroup.com/ Connect with Mark: Get your free 30-minute strategy session: recruitmentcoach.com/strategy-session Mark on LinkedIn - https://www.linkedin.com/in/mwhitby/?originalSubdomain=uk Follow on Instagram: @RecruitmentCoach This episode is brought to you by Recruiterflow. Recruiterflow is an AI-first ATS and CRM built to help recruitment businesses run and scale more efficiently. With built-in sequencing, data enrichment, marketing automation, and AI agents, it's trusted by many leaders in our coaching community. Learn more or request a demo at https://recruitmentcoach.com/recruiterflow

In this episode, Dr. Killeen breaks down the IKEA Effect—a concept from behavioral psychology that explains why we value what we help create. He connects it directly to leadership, systems, and manuals in a dental practice, and why simply copying templates rarely leads to real buy-in. It's a relaxed conversation about ownership, doing hard things on purpose, and why the effort you put into building your own systems is what makes them actually stick.

In this episode, Jason Schroeder introduces the concept of water spiders in construction and explains why this overlooked role is critical to maintaining flow. Borrowed from Lean manufacturing, a water spider is a dedicated support function that keeps crews installed without interruption by handling logistics, materials, information, and waste. Jason breaks down how this role reduces variation, prevents overburden, and protects Takt rhythm while challenging the industry to stop paying for chaos instead of investing in flow. What you'll learn in this episode: What a water spider is and why the role exists in Lean systems. How water spiders eliminate motion, waiting, and variation on jobsites. Why crews searching for materials is a sign the system is broken. How pre-kitting, zone-based delivery, and just-in-time logistics protect Takt. Why ignoring this role leads to delays, waste, and hidden project costs. Are your crews installing or are they constantly on treasure hunts because no one is protecting the flow? If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

In this episode of Do The Work | Mindset Mastery, I want to talk about something that weighs heavier than most people realize and that is the responsibility and guilt that can come with leadership advice and influence. There are moments where my mind feels full because leadership is not just about business decisions. It is about people. It is about hearing their struggles, their finances, their marriages, their health, and still being expected to show up strong. For years I tried to avoid leadership because I thought it was easier to just tell people what to do. What I learned is that real leadership is about empowering others to trust themselves and take ownership of their decisions. One of the hardest lessons I had to learn was separating advice from responsibility. When you give advice based on your experience, it comes from integrity. It comes from wanting others to avoid pain or move faster toward growth. But when someone takes that advice, the outcome is not yours to carry. If you take responsibility for their results, good or bad, you actually disempower them and yourself. I lived this lesson firsthand. After financial failures early in my life, I stopped trusting my own judgment. I leaned on Carla to make decisions and then blamed her when things did not work out. That resentment damaged trust and weakened me as a leader and as a husband. Advice only becomes toxic when it is used as a scapegoat instead of a guide. I realized that advice is information, not a guarantee. It is up to the person receiving it to make it their own and see it through. If they quit at the first obstacle, it becomes easy to call it bad advice. But most growth happens after things get uncomfortable. Everything meaningful in my life got harder before it got better. Marriage. Business. Leadership. Faith. I have given advice about quitting jobs, maxing out credit cards, betting on yourself, and rebuilding relationships. I share what I did, not what someone should do. Leaders mirror what people already feel in their heart and soul. The danger comes when someone wants the result without the responsibility of seeing the process through. Guilt can destroy momentum if you let it sit unchecked. I carried guilt for years over borrowed money, failed ventures, and hard decisions. What finally freed me was understanding that time and integrity bring everything full circle. Debts get paid. Relationships heal. Growth happens. But only if you stay in it long enough. As leaders, parents, and mentors, our job is not to control outcomes. Our job is to speak truth from experience and allow others to take ownership of their choices. And if you are on the receiving end of advice, your responsibility is not to blame but to commit and see it through. Reader reflection questions Where in your life are you blaming advice instead of owning your decision What advice have you taken but not fully committed to seeing through How would your growth change if you released guilt and focused on responsibility Notable quotes "You cannot take responsibility for the outcome of someone else's decision." "Advice is not a guarantee. It is information." "Everything meaningful gets harder before it gets better."   1. Read and Understand the Transcript: * Thoroughly review the podcast transcript to grasp the overall storyline or Storylines and lessons being shared. * Identify the main message, key points, and any personal experiences that are central to the episode.    Important do not use hyphens whatsoever or emojis throughout the entire document. this is an indication that AI was used for the write up. Remove hyphens in the writeup.  2. Draft the Blog Post Summary:  * Introduction: Start with a hook that draws the reader in, setting up the story or lesson in a way that speaks directly to the reader. IN a first-person point of view.  * Body: Summarize the key points of the story, focusing on the lessons derived from the experiences shared. Maintain the flow of the narrative while keeping it concise.  * Conclusion: Wrap up the summary by reinforcing the main takeaway. Encourage the reader to reflect on how the lesson applies to their own life or work.    3. Omit Irrelevant Content:  * Exclude any parts of the transcript that do not contribute to the overall message or lesson. Focus on the content that provides value and clarity to the reader.    4. Include Reader Engagement Questions:  * At the end of the summary, include 3 questions that prompt the reader to think deeply about the episode's content and how it applies to their own situation. These should be reflective and action-oriented.    5. Highlight Notable Quotes:  * Pull out 3 notable quotes from the transcript that capture key insights, impactful moments, or memorable phrases. These should be presented at the end of the blog post, either as a standalone section or integrated into the text.   6. Maintain Consistent Voice and Tonality: IMPORTANT The blog post summaries should maintain the voice, tonality, words and style of the podcaster, ensuring consistency with how the podcast is presented. This way, the written content will align seamlessly with the spoken content, providing a unified experience for your audience.    7. Additional information.  Remember, this is for a blog entry summary of the podcast, so you don't have to say welcome to another episode, I'm A.Z. Araujo, instead say in this episode of Do The Work | Mindset Mastery... Do not use the words, profound, delves, delve, unlock or unlocking or essential, no hyphens no emojis.   8. It is crucial this is communicated in the voice of A.Z. Araujo. Use his way of communicating and conveying the message. Use his vocabulary as much as possible to capture his personality.   Follow A.Z. Araujo on Social Media: Instagram: @azaraujo Facebook: A.Z. Araujo TikTok: A.Z. Araujo YouTube: Do The Work Podcast   For Real Estate Agents in AZ: Learn more about Do The Work Coaching and A.Z. & Associates: dothework.com/azaa   Upcoming Events: If you're a real estate brokerage owner, sign up for one of our upcoming events. Visit: dothework.com bigmoneybrokerage.com Join my mailing list for updates!   New Do The Work Gear: Check out the latest DTW and Do The Work Gear! Hats, shirts, journals, and more: • • shop.dothework.com

On today's episode, we hear about: A woman struggling to trust her husband after he hid a mountain of debt A woman wondering what boundaries she and her husband should set before moving in with their in-laws A man grappling with the realization that his wife mishandled their money Next Steps: ❤️⁠ Get away with your spouse today!⁠

Do you feel like you're doing everything "right" — yet still progress in your pet business is slow and frustrating? What if business growth didn't have to be a long, slow climb, but a sprint to the top of the pile? And what would change if you could skip the line and position your pet business at the front of the pack? In this episode, I'm back at my desk after a busy few weeks of travel, meetings, and event planning to share a simple but powerful idea: the Fast Pass. Borrowed from theme parks like Disney and Universal, a Fast Pass lets you bypass the queue and get where you want faster. I explain how the same principle applies to business, why time is the most valuable resource you have, and why the traditional "do your time and wait your turn" approach to success is outdated. I dive into what really accelerates progress: strategic partnerships, expert positioning, premium pricing, marketing assets that build authority, and creating an experience that makes affluent clients choose you — even when competitors are cheaper or closer. I also share my own journey of leapfrogging crowded markets by niching early, writing books, speaking on stages, and building a recognisable brand — and how these same principles apply to any dog daycare, trainer, walker, or groomer. In this episode, you'll discover: The Fast Pass Principle – Why speed of progress matters more than years of experience. Marketing Over Mechanics – Where real business growth happens once your service is "good enough". Positioning at the Front – How premium brands avoid price-driven competition. Authority Assets – Why books, media, events, and storytelling accelerate trust. Strategic Partnerships – How White-Hot Centre relationships pour fuel on your growth. Early bird tickets are still available for IMPACT 2026: How to Disneyfy Your Dog Daycare Business, happening February 16th–17th in Florida. This event is designed to give you the real-world Fast Pass for your business To grab your ticket go www.petbusinessmarketing.com/impact2026 Seriously, if you're tired of being busy, burned out, and underpaid… and you're ready to transform your daycare into a premium, experience-heavy, profit-driven powerhouse… then IMPACT 2026 is the event you've been waiting for. And if you want one of the first 50 tickets — and the $500 savings that comes with them — go to www.petbusinessmarketing.com/impact2026 To grab a copy of my latest book Mission Enrich, click here now  Huge thanks to our sponsors PawPal, who's amazing services you can find more about here:

All of us hit moments when our faith feels weak, when our courage dips and our spiritual soundtrack grows quiet. In those moments, God strengthens us through the people around us, like Timothy borrowed faith from. Paul and the paralytic borrowed strength from his friends, reminding us that when your faith feels weak, you can borrow someone else's until yours grows strong. Passage: 2 Timothy 1:5-7; Mark 2:1-5 Speaker: Kevin Stiles

All of us hit moments when our faith feels weak, when our courage dips and our spiritual soundtrack grows quiet. In those moments, God strengthens us through the people around us, like Timothy borrowed faith from. Paul and the paralytic borrowed strength from his friends, reminding us that when your faith feels weak, you can borrow someone else's until yours grows strong. Passage: 2 Timothy 1:5-7; Mark 2:1-5 Speaker: Bob Kadlecik

All of us hit moments when our faith feels weak, when our courage dips and our spiritual soundtrack grows quiet. In those moments, God strengthens us through the people around us, like Timothy borrowed faith from. Paul and the paralytic borrowed strength from his friends, reminding us that when your faith feels weak, you can borrow someone else's until yours grows strong. Passage: 2 Timothy 1:5-7; Mark 2:1-5 Speaker: Kevin Ozolins

Preacher: Mark van Pletsen Sermon: Borrowed Fire Date: 18/01/2026

How did lost concepts from the Haunted Mansion inspire the Tower of Terror?Drop in with us on this episode of Distory with Kate & Kirk as we check into California Adventure's lost Hollywood Tower Hotel to decipher the history, secrets, and stories hidden within its design.In this final episode in our 29-part Tower of Terror series, we check out of the DCA and DLP versions of the Tower of Terror, exploring details on the ride and in the exit of the attraction. After hearing some descriptions from the official Imagineering show guide, we explore the secrets of the looking glass, with a detour to a dark entertainment spot in Paris along the way. Kirk explains some changes to the ride mechanics and goes over the creepy new storyline for the Disneyland Paris version, before Kate walks us off the ride to explore the Modern Wonders in the shopping arcade at the exit. We end this episode with some history of camera design and electric shavers before checking out one final time from the Hollywood Tower Hotel. Join us LIVE on YouTube every week! Be notified by subscribing to Kate's Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@disneycicerone⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can also find us on Instagram, Facebook, and at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠disneycicerone.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠walruscarp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠View full video versions of each episode at Disney Cicerone's YouTube channel ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OR on the Spotify version of our podcast.Many thanks to Disney historian Joshua at  E82 | The Epcot Legacy for contributing resources for this episode!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Kate's books on Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WalrusCarp T-shirts & Merch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MOWD app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Distory T-shirts and Stickers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Kate's Substack

If you've ever felt like you're working incredibly hard but not actually building toward anything meaningful, you're not crazy, and you're not alone. You might be operating with a borrowed vision without even realizing it. In this episode, I'm going to walk you through the four types of borrowed visions: vision by compliance, vision by comparison, vision by inheritance, and vision by avoidance. By the end of this episode, you'll know whether your vision is borrowed, and more importantly, you'll understand why that matters. None of these feel wrong in the moment but that's what makes them so dangerous. Because once you see the difference between borrowed and owned, you can't unsee it and you can finally start building what you truly believe in #LikeABuilder.

CONSPIRACY CHARGES AND THE LEGALITY OF AGGRESSIVE WAR Colleague Professor Gary J. Bass. The prosecution focused on 28 Class A defendants, alleging a grand conspiracy to wage aggressive war. This conspiracy charge, borrowed from Nuremberg, fit awkwardly with the fractured reality of the Japanese government, where defendants were often bitter rivals. To prosecute "aggressive war," the tribunal relied on the 1928 Kellogg-Briand Pact, despite it lacking criminal penalties for signatories. Ultimately, all surviving defendants received convictions, though verdicts were mixed; for example, Shigenori Togo was convicted of aggression but acquitted of conventional war crimes, while Kido was convicted of aggression but not held responsible for atrocities against POWs. NUMBER 61930 NATIONAL DIET TOKYO

Welcome listeners, to Season 2 of Charles Speaks on Alternative Convos. This special new year edition is titled “Rooted, Not Borrowed: Rethinking our Non-Profit Models". Alternative Convos Podcast is a dynamic and engaging talk show that aims to foster unity and drive positive transformation in Africa. Alternative Convos Podcast is your go-to source for thought-provoking conversations that inspire change.To purchase a copy of my book titled "The Engine Behind the Mission: Re-imagining Non-Profit Operating Models in the Global Majority"

In the first flagship episode of 2026, Stacking Slabs explores how curiosity shapes conviction in collecting. The episode centers on a missed card. A 2020 Crown Royale Tyrese Haliburton Crystal Platinum 1/1. The loss was not about price. It was about timing and understanding.As the research deepened, interest turned into attachment. Learning changed how the card was viewed and why it mattered.This episode examines the difference between hype and conviction. Borrowed excitement versus earned belief. It challenges the idea that desire starts with price or scarcity. Instead, it argues that understanding creates confidence. The conversation invites collectors to slow down.To research with intention. And to build collections that reflect who they are, not what is trending.If a card has ever meant more after its story was understood, this episode speaks directly to that experience.Check out the awesome software that InfernoRed Technology can build for you.Get your free copy of Collecting For Keeps: Finding Meaning In A Hobby Built On HypeStart your 7 day free trial of Stacking Slabs Patreon Today[Distributed on Sunday] Sign up for the Stacking Slabs Weekly Rip Newsletter using this linkFollow Stacking Slabs: | Twitter | Instagram | Facebook | Tiktok ★ Support this podcast on Patreon ★

For his second mix in this series, Jeff  recreates his winning set from the 2nd round of the Black Box Denver DNB battle.  "Leading up to this show someone had to drop off the lineup last minute, which gave each contestant 80 minutes. I was stoked to have double the length of the previous battle so I could go a bit deeper. This mix runs through all of the DNB and Jungle Flavors I love with plenty of twists and turns along the way. Much love out to The American Junglist for showcasing my 2025 battle mixes!"  Representing Denver Colorado, please welcome Borrowed Drums for part 2 of the Battle Within. Please enjoy❤️ Back next week -Thomas

In this Diving Deep episode, the 200th of episode of Fixing Healthcare, cohosts Dr. Robert Pearl and Jeremy Corr explore three interconnected themes: The biggest driver of America's healthcare crisis. The transformative (and still largely untapped) potential of generative AI. The strategic leadership physicians must embrace if they hope to regain control of their profession and the care their patients receive. The show opens with a metaphor Pearl has returned to repeatedly in his writing: healthcare's “invisible gorilla.” Borrowed from classic research on inattentional blindness, the image captures how policymakers, employers and healthcare leaders fixate on insurance mechanics (premiums, subsidies, deductibles) while missing the far larger problem in plain sight: the soaring cost of delivering medical care itself. From there, the conversation traces how this cost crisis ripples across society. Employers struggle to absorb rising premiums. Workers face higher out-of-pocket costs and job instability. Rural hospitals teeter on the edge of closure. And short-term fixes — from benefit design changes to temporary bailouts — fail to address the underlying mathematical problem. The hosts then turn to generative AI, not as a billing or documentation solution, but as a clinical force that could reshape care delivery and tremendously lower costs. They examine how genAI could help clinicians manage exploding medical knowledge, prevent errors, personalize inpatient care and extend high-quality monitoring into patients' homes, particularly for chronic disease. Finally, the episode widens the lens to leadership and strategy. Drawing lessons from Nvidia and the technology sector, Pearl and Corr explore why medicine's fragmented, short-term responses have cost physicians influence and what it would take to rebuild leverage through collaboration, accountability and value-based care. Taken together, the episode sets out to answer a defining question: With pressure mounting across the healthcare system, will medicine act strategically or wait until the crisis leaves no other choice? Helpful links What Nvidia Can Teach Doctors About Strategy, Survival (Forbes) 5 Ways GenAI Will Transform Medicine — If Clinicians Embrace It (Forbes) US Healthcare's Biggest Problem: Overlooking The $5 Trillion Gorilla (Forbes) Monthly Musings on American Healthcare (RobertPearlMD.com) * * * Dr. Robert Pearl is the author of “ChatGPT, MD: How AI-Empowered Patients & Doctors Can Take Back Control of American Medicine.” Fixing Healthcare is a co-production of Dr. Robert Pearl and Jeremy Corr. Subscribe to the show via Apple, Spotify or wherever you find podcasts. Join the conversation or suggest a guest by following the show on Twitter and LinkedIn. The post FHC #200: Healthcare’s cost crisis, GenAI’s promise + medicine’s leadership gap appeared first on Fixing Healthcare.

What are ProducerHead Loops?Gems from past conversations worth running back.Perfect for when you need a quick hit of inspiration.This Loop:In this ProducerHead Loop, Greg David breaks down his evolution from sample-based workflows to recording live drums, cutting his own one-shots, and building songs from the ground up. He explains why drums are almost always his starting point and how committing to recording his own kit every day reshaped both his sound and his relationship with music.Greg shares how giving up sampling “cold turkey” pushed him toward deeper listening, curiosity, and exploration. By making sounds himself, from drum breaks to synth programming, he discovered that you can't escape your own identity in the music. The result: faster decision-making, stronger instincts, and a sound that's unmistakably personal.This Loop is about reclaiming authorship in your process, trading convenience for intention, and rediscovering the joy that comes from truly making music.From Episode: 019. Greg David: From Loops to Live Takes, Mixing, Dynamics, and Rediscovering the Magic of MusicConnect with Toru:* Website: torubeat.com* Instagram: @torubeat* YouTube: @torubeat* Spotify: Toru* Apple Music: ToruSubscribe to ProducerHeadGet new episodes and Loops delivered straight to your inbox. Hit that subscribe button if you're not already part of the community.This episode was co-produced, engineered and edited by Matthew Diaz.From ProducerHead, this is Toru, and in a way, so are you. Peace. Get full access to ProducerHead at producerhead.substack.com/subscribe

Just like that, this is the final bedtime story of 2025. What a year it's been. I appreciate you for making Dozing Off a part of your bedtime routine. To set up the New Year right, join me as we follow, The Boy Who Borrowed a Perfect Year.Sleep well, see you next year.

Episode 067 - Taken For Borrowed The Influence Every Day Show with Dr. Ed Tori There's a quiet danger in the most stable parts of our lives. Not danger in the obvious sense—but danger in the way stability slips beneath our awareness. The way the most essential things become invisible precisely because they work so well. This episode begins with a simple gratitude practice. Each morning, Dr. Tori writes down five things he's grateful for—sometimes just a word, sometimes a phrase. No journaling. No editing. Just noticing. And then comes a story that changes how you hear the rest of the episode. The Sound You Didn't Know You Were Missing A family member describes the first time she put on hearing aids. She didn't realize her hearing had been fading. Life felt normal. Work was normal. Conversations were normal. And then—birds. Birds chirping. Sounds that had been gone for so long she didn't even know they were missing. She cried—not from sadness, but from sudden restoration. From realizing something beautiful had been quietly slipping away. What We Mean When We Take Something for Granted To take something for granted is to treat it as: Given Stable Not requiring maintenance Unlikely to be taken away When those assumptions settle in, attention fades. Appreciation fades. Presence fades. And the tragedy is this: The things most likely to be taken for granted are often the things that often matter most or hold the most meaning. The Invisible Systems Holding Your Life Together The episode walks through a series of experiences you likely haven't thought about today—but rely on constantly: Background sounds: birds, wind, distant laughter, the hum of your home at night Peripheral vision: the ability to sense the world without staring directly at it Micro-textures: the subtle vibration of pen on paper, the click of a button confirming action Balance: standing, walking, orienting without conscious effort Uninterrupted physiology: a heart that's been beating since before you were born; breath that never needed instruction Face and voice recognition: instantly knowing who you love without relearning them each time Depth perception: pouring coffee, driving, navigating space without thought Context sensing: walking into a room and immediately “getting the feel” of it None of these announce themselves. They work quietly. Reliably. Predictably. And because of that—they disappear from awareness. Why the Brain Sometimes Hides What Matters Most We are hardwired to: Notice change Track threat Seek cognitive efficiency When something is stable, non-threatening, and easy, the brain does exactly what it's designed to do—it drops it below conscious awareness. Which raises an uncomfortable question: If we're not aware of something, can we truly be in awe of it? Can we give it reverence? Can we care for it properly? What If the Most Important Things Were Fragile? The most predictable, reliable, non-threatening people in your life are often the ones most at risk of being taken for granted. Here's an unsettling question: What if instead of treating these relationships as given, we treated them as fragile? Imagine the most important person in your life. Now imagine they're gone. Or changed forever by illness. Or distance. Or time. Their presence was never guaranteed. Seeing something as fragile changes how you hold it. You maintain it. You attend to it. You don't assume it will always be there. Why Gratitude Isn't Enough Gratitude matters—but the episode makes a clear distinction: Gratitude can be silent and internal. Expressed gratitude adds words. Active appreciation adds behavior. Active appreciation means: Maintaining Improving Paying attention Being present Acting in ways that protect what matters You can feel grateful for someone and still neglect them. You can appreciate something silently and still let it erode. From “Taken for Granted” to “Taken for Borrowed” What if instead of taking things for granted, we took them for borrowed? Borrowed things are handled differently. They're cared for. They're respected. They're returned in better condition than we received them. So consider this... Who in your life might you be taking for granted - and how would your behavior change if you treated them as borrowed instead? Key Takeaway Don't wait until something disappears to realize its value. Treat what matters as fragile. Treat it as borrowed. And act accordingly.

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Read more about Project23 and partner with us as we teach every verse of the Bible on video. Our text today is Judges 17:10-11. "And Micah said to him, 'Stay with me, and be to me a father and a priest, and I will give you ten pieces of silver a year and a suit of clothes and your living.' And the Levite went in. And the Levite was content to dwell with the man, and the young man became to him like one of his sons." — Judges 17:10-11 Micah's religion has now become a business deal. He hires the Levite—ten pieces of silver a year, new clothes, free housing. It's faith on payroll. What began as borrowed faith has now turned into bought faith. Micah thinks that by hiring a holy man, he can buy holy favor. It's spiritual consumerism—the idea that God's presence can be purchased if we just find the right people, say the right words, or make the right donation. But you can't buy what only grace can give. Micah wanted divine legitimacy without surrendering to the divine. He didn't want to be changed; he wanted to feel covered. He didn't want the presence of God; he wanted the appearance of blessing. So he threw money at religion like it was a spiritual vending machine. And before we judge Micah, we should ask—do we do the same? We start thinking that giving more, serving harder, or knowing the right people will earn God's favor. We assume that being around "spiritual" people makes us spiritual too. But that's not faith—that's a transaction. We see it everywhere: churches chasing charisma over conviction, money over mission, platforms over prayer. Believers often confuse activity with intimacy, assuming that attendance or effort earns them grace points with God. But God's presence isn't for sale. His power isn't a product. His favor doesn't run on contract—it runs on covenant. Micah missed that entirely. He thought hiring a priest made him holy, but all he did was build a payroll for pride. He tried to control what could only be received. That's the trap of bought faith—it turns worship into work and relationship into ritual. It trades intimacy for image. It pays for what's already been purchased—by the blood of Jesus. The gospel flips that thinking: you can't buy God's presence, but you can surrender to it. You can't earn grace, but you can receive it. So receive it today. And stop trying to earn it. ASK THIS: Where are you trying to earn what God already offers freely? Have you ever mistaken spiritual activity for intimacy with God? What do you rely on more—God's grace or your own performance? How can you rest in the truth that grace is received, not achieved? DO THIS: Take inventory of where you've been "performing" for God instead of walking with Him. Stop treating faith like a transaction—spend time with God without an agenda today. Thank God for his grace today. PRAY THIS: Father, thank You that grace can't be bought or earned. Forgive me for trying to perform my way into Your favor. Teach me to receive Your presence as a gift, not a payment. Amen. PLAY THIS: "Grace Alone."

Time is supposed to move forward—one second after another, steady and impartial. But what if it doesn't? In our latest episode, we invite you into a world where time slips, stalls, and quietly exacts its due. Hosted by Steve Taylor, this haunting addition to our catalog explores the unsettling possibility that not every moment we live truly belongs to us—and that survival itself may come with unseen terms. To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/ChillingEntertainmentYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/ChillingTalesPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/ChillingTalesPod⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Read more about Project23 and partner with us as we teach every verse of the Bible on video. Our text today is Judges 17:7-9. "Now there was a young man of Bethlehem in Judah, of the family of Judah, who was a Levite, and he sojourned there. And the man departed from the town of Bethlehem in Judah to sojourn where he could find a place. And as he journeyed, he came to the hill country of Ephraim to the house of Micah. And Micah said to him, 'Where do you come from?' And he said to him, 'I am a Levite of Bethlehem in Judah, and I am going to sojourn where I may find a place.'" — Judges 17:7-9 Micah's story takes another turn when a wandering Levite shows up. This young man has the right background, the right bloodline, and the right credentials—and Micah sees his chance. Maybe if he brings a Levite into his house, it'll make his homemade religion look legitimate. Micah's faith was hollow, but this priest-for-hire could make it look holy. He didn't want to change his heart; he wanted to polish his appearance. That's what borrowed faith does—it looks spiritual from the outside but lacks life on the inside. And if we're honest, a lot of believers today are living on borrowed faith. We lean on our pastor's passion, our parents' prayers, our spouse's convictions. We admire other people's intimacy with God instead of pursuing our own. We've mastered secondhand spirituality—reading popular Christian living books instead of Scripture, reposting verses instead of living them, attending church instead of being the church. Borrowed faith looks convincing—but it collapses when tested. Because borrowed faith can get you through a sermon, but not a storm. It can quote Scripture but won't stand on it. It's the illusion of devotion without the evidence of obedience. That's exactly what Micah was doing. He wanted to hire holiness—to buy credibility without surrender. He invited a Levite into his home, but he never invited the Lord into his heart. And what started as borrowed faith soon became broken faith. This story is a reminder and a warning for us. Whole generations have been raised near faith but not in it. We've confused proximity with intimacy, attendance with relationship, influence with anointing. But God can't be subcontracted. You can't borrow someone else's righteousness or lease someone else's conviction. The only faith that lasts is the faith you actually live. So go live it. ASK THIS: Whose faith have you been borrowing instead of developing your own? Do you find more comfort in looking spiritual than in obeying God? When was the last time your personal time with God shaped your decisions, not just your emotions? What would it take for your faith to become firsthand again? DO THIS: Identify one area where you've been relying on borrowed faith—church, parents, friends, or leaders. Replace it with firsthand obedience this week. Pray, study, and apply truth yourself. PRAY THIS: Father, I don't want to live on borrowed faith. I don't want secondhand conviction or part-time obedience. Teach me to know You firsthand—to walk with You daily, not through someone else's devotion, but through my own surrender. Amen. PLAY THIS: "Run to the Father."

In this bedtime story we travel to Santa's workshop where everyone is hard at work getting ready to make children happy. But the sprites feel left out. No one appreciates them and so they decide to do something tat they think might help. But will it work?  ✔️ Perfect for ages 4+ Sleep Tight!, Sheryl & Clark ❤️

Thanks to Allstate for sponsoring today's episode! Click here [https://bit.ly/4mgo1jE] to check Allstate first and see how much you could save on car insurance. Thanks to Indeed for sponsoring this episode. Listeners of this show will get a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Go to ⁠https://indeed.com/PASTGAS⁠  right now and support our show by saying you heard about Indeed on this podcast. Also thanks to Aura Frames for sponsoring this episode. Exclusive $35 off Carver Mat at https://on.auraframes.com/GAS. Promo Code GAS This week on Past Gas, we're diving into Ferrari — and the surprising, emotional origin of its most famous symbol. The Prancing Horse didn't start with Enzo Ferrari, or even with cars at all. In Part 1 of our two-part season finale, we trace the logo's roots back to a World War I Italian flying ace, and the chain of events that turned a wartime emblem into the most iconic badge in automotive history. From Alfa Romeo and early racing to Enzo Ferrari's rise as a team manager, we explore how Ferrari built its identity long before it ever built a road car. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, Tina invites us into a gentle December reset with one of her favorite practices: the permission slip. Borrowed from Brené Brown, the permission slip is a simple but powerful way to meet this busy season with more ease, honesty, and compassion. This is your moment to pause, reset, and honor what you need during one of the toughest stretches of the school year. For episode resources, see SelfCareForEducators.com. Music: Happy Clappy Ukulele by Shane Ivers - https://www.silvermansound.com. 

This week, David returns to one of his favorite flexible formats: Old, New, Borrowed, Blue. In this tenth volume, he brings back a few personal lifehacks, peeves, and perks from past episodes; introduces a new financial holiday—“National Share Day”—imagining a country where every American becomes an owner; borrows a passage from his free downloadable book chapter to explore how AI may (or may not) fit into Rule Breaker investing; and closes with a blue reflection on the rise and fall of Bed Bath & Beyond—and asks, was this the very first stock The Motley Fool ever shorted? Something old, something new, something borrowed, something blue—only on this week's Rule Breaker Investing! Companies mentioned: BBBY Sign up for The Motley Fool's Breakfast News here: www.fool.com/breakfastnews Order David's Rule Breaker Investing book here: https://www.amazon.com/gp/product/1804091219/ Host: David GardnerProducer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

When a listener’s sister keeps asking for cash, the crew dives into tough love, creative solutions, and the harsh reality of lending family money.See omnystudio.com/listener for privacy information.

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

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