Podcasts about broadmoor

Ecclesiastes 9:11–10:20 | Wisdom, Unpredictability, and the Choices That Define Us   Week ten of our series through Ecclesiastes finds us in some of Solomon's most honest — and most unsettling — territory. Life doesn't always go to the swift, the strong, or the smart. Sometimes the net drops without warning. Sometimes the snare comes out of nowhere. So what do we do with that?   In this episode, Mike sits down with Josh and the pastoral staff to unpack Sunday's message from Ecclesiastes 9:11–10:20. The conversation ranges from the surprisingly warm response Broadmoor has had to this often-overlooked book, to what it actually looks like to pursue wisdom before the battle starts — not in the middle of it.   The team also gets personal: What do you do when life doesn't turn out like you hoped or planned? Does wisdom come from experience, or does it come from truth — and is there a difference? And how does the gospel reshape our pursuit of wisdom, especially for those of us who are already looking back at foolish decisions we can't undo? They also tackle one of the more provocative lines in the whole passage — Solomon's statement in chapter ten that money answers everything — and what he's actually saying (and not saying) there.   Plus, with mission teams in Phoenix, Atlanta, the Appalachian Trail, and England, the staff reflects on what it means to carry the gospel message into contexts far outside the Sunday morning comfort zone. And yes — the cat and the rotisserie chicken make an appearance.

Dan Fernandez is the Vice President of Digital Marketing and Strategy at Concord Hospitality Enterprises, a leading U.S. hotel management and development company.He's a recognized leader in digital marketing, branding, and hospitality strategy with over 15 years of experience in luxury and lifestyle segments. He has led high-performing teams at top agencies and shaped digital strategies for iconic properties like Hotel del Coronado, The Broadmoor, The Breakers Palm Beach, Rosewood Hotel Group, The Standard Hotels, and Montage International.Dan champions innovation, fosters passionate talent, and serves on marketing advisory boards for HSMAI, Hilton, and Marriott International. In 2025, he was honored as one of HSMAI's Top 25 Extraordinary Minds for pushing boundaries in digital engagement and hospitality marketing.He holds a Bachelor of Business Administration in Management and Marketing from Florida Atlantic University.

Your host, Pastor Brian Michaels, sits with Greg Maxwell to talk about his faith in Jesus, and his work in construction, Law Enforcement Chaplaincy, Sherriff's Deputy, and now Director of Security @ the Broadmoor. They discuss how God directs our paths into different areas, teaching us and using us for His glory.See omnystudio.com/listener for privacy information.

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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  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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   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 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  33:19   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 chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

Wendy Walker is the USA Today bestselling author of psychological suspense novels. Her work has been translated into over twenty-three foreign languages and has been optioned for television and film. She is a former attorney and investment banker. When she was a teenager, she trained with Olympic coach Carlo Fassi at the Broadmoor training facility in Colorado Springs. Her experiences were part of the inspiration for BLADE, which Thomas & Mercer will publish 2/1/26. Wendy is the mother of three grown sons and lives in Fairfield County, CT.Killer Women Podcast is copyrighted by Authors on the Air Global Radio Network#podcast #author #interview #authors #KillerWomen #KillerWomenPodcast #authorsontheair #podcast #podcaster #killerwomen #killerwomenpodcast #authors #authorsofig #authorsofinstagram #authorinterview #writingcommunity #authorsontheair #suspensebooks #authorssupportingauthors #thrillerbooks #suspense #wip #writers #writersinspiration #books #bookrecommendations #bookaddict #bookaddicted #bookaddiction #bibliophile #read #amreading #lovetoread #daniellegirard #daniellegirardbooks #wendywalker #audible #amazonpublishing

Wendy Walker is the USA Today bestselling author of psychological suspense novels. Her work has been translated into over twenty-three foreign languages and has been optioned for television and film. She is a former attorney and investment banker. When she was a teenager, she trained with Olympic coach Carlo Fassi at the Broadmoor training facility in Colorado Springs. Her experiences were part of the inspiration for BLADE, which Thomas & Mercer will publish 2/1/26. Wendy is the mother of three grown sons and lives in Fairfield County, CT. Killer Women Podcast is copyrighted by Authors on the Air Global Radio Network #podcast #author #interview #authors #KillerWomen #KillerWomenPodcast #authorsontheair #podcast #podcaster #killerwomen #killerwomenpodcast #authors #authorsofig #authorsofinstagram #authorinterview #writingcommunity #authorsontheair #suspensebooks #authorssupportingauthors #thrillerbooks #suspense #wip #writers #writersinspiration #books #bookrecommendations #bookaddict #bookaddicted #bookaddiction #bibliophile #read #amreading #lovetoread #daniellegirard #daniellegirardbooks #wendywalker #audible #amazonpublishing

In this episode of The Happy WorkLife Podcast, Lord Mark Price sits down with Dr Gwen Adshead, one of the UK's leading forensic psychotherapists and psychiatrists. A Visiting Professor at Yale School of Law and Psychiatry, and consultant forensic psychiatrist at Ravenswood House, Gwen has spent nearly forty years working at the intersection of mental health, crime and justice.She has worked extensively with violent offenders in high-security psychiatric hospitals such as Broadmoor, as well as within the prison system. Dr Adshead was also the 2024 BBC Reith Lecturer, where she explored complex questions around violence, responsibility and mental illness. In this episode, she reflects on her career, her public work and her forthcoming book, Unspeakable.Visit WorkL to:

Wendy Walker is the USA Today bestselling author of psychological suspense novels. Her work has been translated into over twenty-three foreign languages and has been optioned for television and film. She is a former attorney and investment banker. When she was a teenager, she trained with Olympic coach Carlo Fassi at the Broadmoor training facility in Colorado Springs. Her experiences were part of the inspiration for BLADE, which Thomas & Mercer will publish 2/1/26. Wendy is the mother of three grown sons and lives in Fairfield County, CT. Killer Women Podcast is copyrighted by Authors on the Air Global Radio Network #podcast #author #interview #authors #KillerWomen #KillerWomenPodcast #authorsontheair #podcast #podcaster #killerwomen #killerwomenpodcast #authors #authorsofig #authorsofinstagram #authorinterview #writingcommunity #authorsontheair #suspensebooks #authorssupportingauthors #thrillerbooks #suspense #wip #writers #writersinspiration #books #bookrecommendations #bookaddict #bookaddicted #bookaddiction #bibliophile #read #amreading #lovetoread #daniellegirard #daniellegirardbooks #wendywalker #audible #amazonpublishing

Heather Gugliotta, founder of Turquoise Sky Events, shares how she turned a quarantine hobby into a viral business working with massive corporate clients like The Broadmoor. In this episode, we dive into the reality of transitioning from a 9-5 to a full-time creative entrepreneur and the specific mistakes to avoid when pricing high-end events. Heather also breaks down the story behind her viral "Dolly" disco wall that hit 12 million views and reveals her secrets to scaling a successful event business from scratch. If you want to build a creative brand or land corporate clients, this episode is for you.

Welcome to the MLK holiday special of Crosswalk Colorado Springs. Jeff Anderson talks to Pastor Paul Nelson, President of Pikes Peak Southern Christian Leadership Council - carrying on the legacy of Dr. Martin Luther King, Jr. Jeff also talks about Protect Kids Colorado, the upcoming Weekend to Remember at the Broadmoor, and the Rocky Mountain March for Life.See omnystudio.com/listener for privacy information.

Christin Marvin is a hospitality lifer who's opened 13 restaurants, run high-performing teams from the Broadmoor to booming Denver concepts, and survived both burnout and a failed ownership venture. Today she's an author and host of the Restaurant Leadership Podcast, helping operators master openings, ownership, and operator optimization. Christin and Susan talk about leadership, systems, and sustainable growth. What You'll Learn About: Why "tour guide" servers beat order-takers every time and how that shapes guest loyalty What 13 restaurant openings will teach you about systems, creativity, and controlled chaos How a failed French concept exposed dangerous blind spots around ego, pricing, and ignoring guest feedback The difference between promoting loyal people and intentionally building the leadership team your business actually needs What Christin's "Independent Restaurant Framework" is and how it helps owner-operators scale without burning out A simple, scrappy way to build a training program even if you feel like you have zero time and zero HR department The tiny 15-minute weekly habit that improves retention, surfaces problems early, and makes your team feel genuinely seen What owners get wrong about "not being able to find good people" and how to actually develop the ones you already have Why in-person dining experiences are about to matter more than ever in a tech-obsessed, convenience-driven world *** Our Top Three Takeaways 1. Sustainable restaurant growth requires systems—not loyalty alone. Christin stresses that independent operators often scale based on emotion and loyalty, but true success comes from intentionality: hiring for the right roles, building systems, developing people, and removing ego from decision-making. Loyalty without structure is expensive and risky; systems create stability and scalability. 2. Owners who succeed are the ones willing to ask for help and confront what's not working. She sees a clear divide in the industry: burned-out long-timers vs. newer operators who admit gaps, seek guidance, and make data-driven decisions. Progress begins when owners get honest about their shortcomings and stop trying to be experts in everything. 3. Training and people development are non-negotiable for retention and guest experience. Post-pandemic staffing requires intentional training—even simple, imperfect programs created by lead staff. Christin recommends weekly 15-minute one-on-ones as a powerful retention tool and argues that leaders must slow down, listen, and invest in people if they want to keep talent and deliver great hospitality. Christin Marvin on LinkedIn https://www.linkedin.com/in/christin-marvin/ Solutions by Christin https://christinmarvin.com/ Other Episodes You May Like: 221: Unsubtle Resignation with Brady Lowe https://www.topfloorpodcast.com/episode/221 129: Boo-Boo Sugar with Jason Brooks https://www.topfloorpodcast.com/episode/129 85: Fake Wedding Officiant with Michael Cecchi-Azzolina https://www.topfloorpodcast.com/episode/85

A brutal killing in 1974 shattered the quiet town of Ossett and left investigators confronting one of Britain's most unsettling possession claims. In the hours before the violence, ministers believed they were fighting unseen forces inside a small church, pushing Michael Taylor through a "deliverance" that spiraled far beyond their control. What followed fractured the thin line between faith and reality, sending a frightened community scrambling for answers. In this episode, we unravel the ignored signs, the clergy's fraught involvement, and the aftermath that cast a long shadow over Ossett. Was something unearthly taking hold... or did conviction give shape to the terror everyone feared? ***Listener Discretion is Strongly Advised*******************Sources:Michael Taylor (British killer) — Wikipedia.The Devil Within (Wondery) — Podcast series on the Michael Taylor case.All That's Interesting — “The Exorcism of Michael Taylor.”The Times Archive (1975) — Court and inquest reporting.Harmes, M., The Church Sinister / Brill article.Audioboom Transcripts & Retrospectives — Includes Rev. Peter Vincent quote.Scholarly articles on psychiatry and possession — analyses of Michael Taylor's psychiatric diagnosis and religious influence.True Crime Retrospectives / Media Coverage — Documenting hospitalization at Broadmoor and eventual release.****************Leave Us a 5* Rating, it really helps the show!Apple Podcast:https://podcasts.apple.com/us/podcast/beauty-unlocked-the-podcast/id1522636282Spotify Podcast:https://open.spotify.com/show/37MLxC8eRob1D0ZcgcCorA****************Follow Us on Social Media & Subscribe to our YouTube Channel!YouTube:@beautyunlockedspodcasthourTikTok:tiktok.com/@beautyunlockedthepod****************Music & SFX Attribution:Epidemic SoundFind the perfect track on Epidemic Sound for your content and take it to the next level! See what the hype is all about!

This episode contains references to mental illness, self‑harm, substance abuse, and death. Listener discretion is advised.June and Jennifer Gibbons spoke to no one but each other, until one twin calmly declared she would die so the other could live. This is the chilling true story of the Silent Twins, their creepy bond, and the death that stunned even Broadmoor Hospital.The BOOKBY US A COFFEESubscribe to our PATREONEMAIL us your storiesJoin us on INSTAGRAMJoin us on TWITTERJoin us on FACEBOOKVisit our WEBSITEResearch:https://web.archive.org/web/20200217170204/https://www.heraldscotland.com/news/13059877.tragic-tale-of-twins-and-their-secret-worldhttps://www.newyorker.com/magazine/2000/12/04/we-two-made-onehttps://en.wikipedia.org/wiki/June_and_Jennifer_Gibbonshttps://www.bbc.com/news/uk-wales-67491767https://www.bbc.co.uk/sounds/play/m001tczmThanks so much for listening, and I'll catch up with you again tomorrow. Sarah xx"Spacial Winds," Kevin MacLeod (incompetech.com)Licenced under Creative Commons: By Attribution 4.0 Licencehttp://creativecommons.org/licenses/by/4.0/SURVEY Hosted on Acast. See acast.com/privacy for more information.

In this segment from Episode 1100 of The Clay Edwards Show, Clay dives into a viral video where a woman calls churches, including Broadmoor Baptist, pretending to need baby formula for her child. The Broadmoor rep refers her to SNAP resources instead of handing over cash, leading the caller to accuse them of lacking compassion.   Clay calls it out as a setup and hustle, defending the church for spotting the scam. He plays a rebuttal video from Broadmoor dated October 31—before the call—announcing a $10,000 donation to Madcap in Canton for food aid amid SNAP disruptions, plus a full November food drive at broadmoor.org/missions.   Is this exposing hypocrisy or real charity? Clay says the church values the hurting but won't enable bad decisions. Listen for his fiery take on accountability vs. entitlement.

In this episode of The Clay Edwards Show, host Clay Edwards spotlights a viral TikTok prank where a Kentucky woman calls churches across America, including Broadmoor Baptist in Madison, Mississippi, pretending to need formula for a starving baby. Edwards deems it disingenuous, pointing out the caller's pro-abortion views and hypocrisy, while defending churches as not required to offer immediate aid—they partner with organizations for such needs. Listener calls and texts spark debates on church roles, personal accountability, community involvement, and self-reliance, with Edwards emphasizing that churches serve members first and stereotypes about aid seekers are often earned. 

In this episode, we meet with Bethany Roper, a doctoral researcher at the University of the West of Scotland, who explores dementia in forensic mental health settings. Bethany shares insights from her research and her experiences working at Broadmoor Hospital.   Keywords   Bethany Roper, dementia, forensic mental health, University of the West of Scotland, Broadmoor Hospital   Takeaways   Bethany Roper is a doctoral researcher at the University of the West of Scotland. She explores dementia in forensic mental health settings. Bethany has a background in investigative and forensic psychology. She conducted research on honour-based abuse at the University of Liverpool. Bethany previously worked at Broadmoor Hospital. Her research focuses on mixed methods approaches. Bethany shares insights from her experiences in forensic settings. She discusses the challenges of researching dementia in these environments. Bethany highlights the importance of understanding mental health in forensic contexts. She emphasizes the need for more research in this field.   Sound bites   Bethany Roper is a doctoral researcher. Exploring dementia in forensic settings. Insights from Broadmoor Hospital. Researching dementia challenges. Understanding mental health in forensic contexts. Bethany's journey in forensic psychology. The importance of forensic mental health. Bethany's experiences at Broadmoor. Forensic psychology insights. Dementia research in forensic settings. Chapters   00:00:25 Introduction to Bethany Roper 00:00:29 Bethany's Academic Background 00:00:41 Research Focus and Insights

In this episode, we meet with Bethany Roper, a doctoral researcher at the University of the West of Scotland, who explores dementia in forensic mental health settings. Bethany shares insights from her research and her experiences working at Broadmoor Hospital.   Keywords   Bethany Roper, dementia, forensic mental health, University of the West of Scotland, Broadmoor Hospital   Takeaways   Bethany Roper is a doctoral researcher at the University of the West of Scotland. She explores dementia in forensic mental health settings. Bethany has a background in investigative and forensic psychology. She conducted research on honour-based abuse at the University of Liverpool. Bethany previously worked at Broadmoor Hospital. Her research focuses on mixed methods approaches. Bethany shares insights from her experiences in forensic settings. She discusses the challenges of researching dementia in these environments. Bethany highlights the importance of understanding mental health in forensic contexts. She emphasizes the need for more research in this field.   Sound bites   Bethany Roper is a doctoral researcher. Exploring dementia in forensic settings. Insights from Broadmoor Hospital. Researching dementia challenges. Understanding mental health in forensic contexts. Bethany's journey in forensic psychology. The importance of forensic mental health. Bethany's experiences at Broadmoor. Forensic psychology insights. Dementia research in forensic settings. Chapters   00:00:25 Introduction to Bethany Roper 00:00:29 Bethany's Academic Background 00:00:41 Research Focus and Insights

Get stuck in – Michael Bourgeois, CWT How do standards get written in ways that working water treaters can actually meet? In this conversation, AWT Past President, current Related Trade Organization (RTO) Committee Chair, and Chemco Products Company Operations Manager, Michael Bourgeois CWT, explains how AWT's liaisons collaborate with peer organizations, so guidance reflects field reality—operations, risk, and achievable compliance.  From Field Bags to Board Rooms: Why RTOs Matter  Bourgeois outlines the purpose of AWT's RTO structure: volunteer liaisons track and influence work at groups whose missions overlap with industrial water—CTI, ABMA, ASHRAE, AWWA, ASHE, and others. The aim is simple and practical: make sure member voices are heard so guidance advances health outcomes (e.g., Legionella control) and day-to-day feasibility for service providers and suppliers.  Turning Reaction into Proaction  Historically, the industry learned about new rules after they landed. Bourgeois details how AWT is shifting to co-authoring cooling-water guidelines with CTI and re-engaging ABMA, so boiler-water limits and methods reflect current technologies and operations. The model: clarify shared goals, contribute content expertise, and formalize collaboration so members get usable documents at member pricing.  Concrete Moves: Boiler Water, Healthcare, and More  Examples include AWT's role on ABMA's Boiler Expo steering committee (with a focused water-treatment training block) and early conversations with ASHE on pathogen control in building and healthcare water systems. He describes how liaisons feed updates into a formal committee cadence, so the AWT Board and members see progress—not just headlines.  When working professionals help write the playbook, outcomes improve clients, operators, and public health—and members stop "reacting" to standards they had no hand in shaping.  Listen to the full conversation above. Explore related episodes below.   Stay engaged, keep learning, and continue scaling up your knowledge!     Timestamps   00:02:28 - Trace Blackmore shares his AWT excitement & community shout-outs  00:05:16 - Water You Know with James McDonald  00:06:44 - The magic of the Scaling Up buttons (why & how to use them)  00:20:25 - North Metal Quarterly Magazine (Grab physical copy by visiting Booth 212)  00:27:00 - Interview starts: Mike Bourgeois (Chemco; AWT Past President; RTO Chair)  00:33:58 - What is the RTO Committee and why it exists  00:36:31 - The 10 formal collaborators + 4–6 informal  00:36:43 - AWWA/ASDWA (Joe Hannigan); Premise plumbing link  00:38:19 - ASHE (healthcare engineering) early wins (Reid Hutchinson)  00:38:47 - ABMA (boilers) momentum (Steve Jobin) + Women of Boilers  00:40:28 - CTI (Mike); CDC (Patsy Root); WEF (Brian Liotta)  00:40:46 - AMPP (formerly NACE) (Jay Farmerie); WQA (Chuck Hamrick)  00:41:19 - ASHRAE (Bill Pearson) & the impact on Std 188  00:45:26 - Principle: Be proactive so standards are achievable for members  00:47:34 - Boiler Expo: half-day on water treatment (economics, pretreatment, failures, regs)  00:50:56 - Where to learn about RTO work  00:54:19 - Volunteers needed: attributes of great liaisons  00:58:48 - Breakthrough: ABMA boiler water guideline refresh (toward ASME alignment)  01:01:02 - Potential collaboration with ASHE on pathogen control guidance  01:01:39 - What Mike's most excited to see at the Broadmoor  01:02:22 - Mike's session: new OSHA walk-around rules  01:02:51 - Theme of the conversation: "Get stuck in" (join committees)    Quotes  "The button is magic—it breaks the ice for you and starts real conversations."  "Talk to every single booth. A year from now, you'll remember exactly who can help."   "RTO stands for Related Trade Organization—our way to shape the standards that shape us."   "Why write a standard no one can achieve? AWT's role is to make it achievable."   "If you want to help AWT, get stuck in. Volunteer. It pays back 10 to 100-fold."   "AWT's RTO liaisons keep members' interests represented before rules and guidelines are finalized—so they're practical and achievable."  "Look for committees aligned with your strengths."    Connect with Michael Bourgeois Email: mbourgeois@chemcoprod.com   Website: Home | Chemco Products Company  LinkedIn: Michael Bourgeois, CWT | LinkedIn  https://www.linkedin.com/company/chemco-products-company/     Guest Resources Mentioned   ABMA's Boiler Water Quality Requirements and Associated Steam Quality for Industrial/Commercial and Institutional Boilers  Atlas Shrugged (Centennial Ed.) Hardcover – April 21, 2005 by Ayn Rand  AWT Committee  AWT Get Involved  Cancer Ward: A Novel (FSG Classics) Paperback – April 14, 2015 by Aleksandr Solzhenitsyn (Author)  Cooling Technology Institute (CTI)  Fossil Future: Why Global Human Flourishing Requires More Oil, Coal, and Natural Gas--Not Less Hardcover – by Alex Epstein   Signature in the Cell: DNA and the Evidence for Intelligent Design Paperback – Illustrated, June 22, 2010 by Stephen C. Meyer  WTG-126: The Use of Non-Oxidizing Biocides in Cooling Water Systems    Scaling UP! H2O Resources Mentioned  380 The WOW Effect: Women Leading Transformation in the Water Industry  447 Unlocking Team Potential with Culture Index with Randi Fargen  ASHE's "Water Management in Health Care Facilities: Complying with ASHRAE Standard 188"  ASPE's Engineering Methodologies to Reduce the Risk of Legionella in Premise Plumbing Systems  ASSE 12080 Training & Certification, Get certified to the ASSE/IAPMO/ANSI 12080 Standard: Professional Qualifications Standard for Legionella Water Safety and Management Personnel  AWT (Association of Water Technologies)   AWT's Legionella 2019: A Position Statement and Guidance Document  North Metal & Chemical Co Quarterly Magazine Issue 3 -page 8 for Trace Blackmore Story  Scaling UP! H2O Academy video courses  Start with Why Simon Sinek - TedTalk  Submit a Show Idea  The 6 Types of Working Genius  The Rising Tide Mastermind    Water You Know with James Questions: What do you call the physical property of matter that is defined as the amount of heat energy required to raise the temperature of a unit mass of a substance by one degree?    2025 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE.   

In the 1970s, identical twins June and Jennifer Gibbons grew up in Wales, sharing a secret language that no one else could understand. To outsiders, they were silent—refusing to speak to teachers, classmates, even their own family. But behind closed doors, their world was anything but quiet. Obsessed with each other, the sisters created elaborate fantasies, wrote dark stories, and carried out increasingly reckless acts that led them to Broadmoor, one of Britain's most notorious psychiatric hospitals. What made the Silent Twins withdraw from the world—and what drove their mysterious pact that ended with only one surviving?

Banking on Fraudology is part of the Fraudology Podcast Network. In this groundbreaking episode of Banking on Fraudology, host Hailey Windham introduces an exciting new event that promises to revolutionize how the fraud, identity, and compliance industry approaches AI. Mitul Parmar, co-founder and CEO of Safeguard, joins to announce the launch of the first AI Deep Dive Retreat, taking place May 3-6, 2026 at the prestigious Broadmoor resort in Colorado Springs.This exclusive gathering aims to put fraud, identity, and compliance professionals at the center of the AI conversation, addressing the growing need for a focused community to navigate the rapid advancements in AI technology. Mitul explains how Safeguard fills a crucial gap in the industry, offering an intimate setting for practitioners to deeply explore AI's implications on their roles, teams, and the financial services sector at large.Mitul ParmarWebsite to Learn More & Apply: www.safeguardevent.comLinkedIn: “@Safeguard Events” (www.linkedin.com/company/safeguardevents)About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/ https://www.fraudfightclub.com/https://www.about-fraud.com/

Send us a textThis week, Wes and Todd talk with Artist, Sarah Boston. Sarah discusses the various mediums that she works in, portraiture, painting, drawing from a young age, her connection to native culture, Charlie Russell, growing up in an artistic family, the Russell museum, taking art classes with Thomas Blackshear, routine, the A.R. Mitchell museum, the Broadmoor art experience, research and doing her due diligence to be historically accurate in her work, cultural & art appropriation, her family's roots in Montana, pastels, graphite, the catalyst to becoming a professional artist, the art community of Trinidad, western art, grizzly bears, selling art, galleries, festivals, the Out West Art Show, her upcoming shows, pricing, art sales, curating “Resonance”,  her motto, and her favorite Charlie Russell painting. Join us for a wonderful conversation with Sarah Boston! Check out Sarah's website at www.sarahbostonfineart.com Follow Sarah on social media:Instagram - www.instagram.com/sarahbostonfineart/ - @sarahbostonfineartFacebook - www.facebook.com/SarahBostonFineArtCheck out Sarah's work in person at these upcoming shows:Kuehl Fine Art: Cody Kuehl & Sarah BostonFriday, August 1st, 2025 – Friday, August 29th 2025Opening Reception: Friday, August 1st, 5 – 8 pmhttps://armitchellmuseum.com/kuehl-fine-art Resonance 2025 – Curated by Sarah BostonFriday, October 3rd, 2025 – Friday, December 26th, 2025Opening Reception: Friday, October 3rd, 5 - 8 pmwww.armitchellmuseum.com Find Sarah's work at these fine galleries:Kuehl Fine Arthttps://armitchellmuseum.com/kuehl-fine-art Mountain Trails Galleries Sedonawww.mountaintrailssedona.com Broadmoor Gallerieswww.broadmoorgalleries.com The Plainsmen Galleryhttps://plainsmengallery.comFollow us on Instagram: @tenetpodcast - www.instagram.com/tenetpodcast/ @wesbrn - www.instagram.com/wesbrn/ @toddpiersonphotography - www.instagram.com/toddpiersonphotography/ Follow us on Facebook: www.facebook.com/TenetPodcast/ Email us at todd@toddpierson.com If you enjoyed this episode or any of our previous episodes, please consider taking a moment and leaving us a review on your favorite podcast platform. Thanks for listening!

In the episode we chat to Jessica La Forge of God Save the Cream.Jessica started her early food days in the hallowed halls of the Broadmoor hotel honing her pastry skills, before a stint at the Culinary Institute of America. Then her attention turned to the ice cream business.We talk branding, grocery and unicorn poop in this great episode.You can find out more about "The Cream" at:https://www.godsavethecreamdenver.comhttps://www.instagram.com/godsavethecreamdenverhttps://www.facebook.com/godsavethecreamdenverFor information about the North American Ice Cream Assoc, and how you can open and grow your ice cream business with a community that will support you, go to https://icecreamassociation.org/

Detroit Golf Club has become a power hitters paradise in recent years and the 2025 Rocket Classic was no different as the longest hitter on tour, 20-year-old Aldrich Potgieter took home the title in a playoff over Max Greyserman and Chris Kirk. Potgieter became one of the youngest winners in PGA Tour history and we may be seeing a star in the making. Tim was on the scene in Detroit a few years ago and gives some insight into the course and the tournament. Patrick Reed won LIV Dallas for his first LIV title and has stoked some talk about a possible Ryder Cup pick for Bethpage this year. Although it seems like a longshot, we will discuss the possibility on this episode. The Broadmoor offered a confusing challenge on the Champions Tour for the U.S. Senior Open as many in the field were befuddled by its greens. Padraig Harrington held off Stewart Cink for the victory, even after some controversy days earlier after a round with Roger Maltby. On the YouTube front, Riggs took on another hater and this guy may have been the most miserable person he has played yet as Riggs pounded him into submission at We-Ko-Pa. Subscribe to the Break80 Podcast on Apple, Spotify and YouTube for weekly golf content. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ann talks with Michael Manavian, elite golf Instructor for senior players, from The Broadmoor, about the U.S. Senior Open Championship; how altitude affects the golf ball, the skirmish between Padraig Harrington and NBC Analyst Roger Maltbie and his opinion on US Ryder Cup Captain Keegan Bradley playing in the Ryder Cup.

Ann talks about the possibility of Keegan Bradley being both a Captain and a Player for the U.S. Ryder Cup team; previews the Final Rounds of the U.S. Senior Open Championship, the PGA Tour's Rocket Classic, the LPGA Dow Championship; talks with Michael Manavian, elite golf Instructor for senior players, from The Broadmoor, about the U.S. Senior Open Championship; and to Dane Brummett, GM, Crestview Country Club, about the massive clean up effort from tornados in Kansas, to host Korn Ferry's Wichita Open.

Colorado Springs is hosting the US Senior Open at the Broadmoor! On this show Jeff talks to golf pro and Monument native Garrett Froggatte about golf and faith. They are also joined by Tom Brenner, who enjoys golf and faith as an amateur.See omnystudio.com/listener for privacy information.

Nathan Smith, the U.S. Walker Cup captain, and Brad Faxon joined 5 Clubs on Golf Channel. Faxon led off the show talking about The Broadmoor, the host site of the U.S. Senior Open and how the players will need to adjust to the altitude in what Faxon thinks is the biggest event on the Champions Tour. Faxon also talked about Ernie Els, Phil Mickelson, Tiger Woods and Rory McIlroy. Smith discussed how good the new generation is with the depth at the collegiate and junior levels. He talked about Ben James, Jackson Koivin and Michael LaSasso as members of this year's team that will compete at Cypress Point.

Tommy Fleetwood had a three shot advantage heading into the final signature event of the year at TPC River Highlands, but that wasn't enough for him to get his first win on the PGA Tour. Keegan Bradley made a clutch birdie on the 18th hole and Fleetwood bogeyed to allow Bradley to win the Traveler's Championship for the second time in three years. This will sure stir the debate as to whether Bradley will be the first playing-captain in the modern era of the U.S.A. vs. Europe Ryder Cup. The KPMG Championship on the LPGA was played in brutal wind in Frisco, Texas and Min Jee Lee played some brilliant golf to win the title. The tournament was plagued by wind and tough pin placements that led to 6+ hour rounds and a lot of complaints from the best womens players in the world. The Senior U.S. Open heads to the Broadmoor this week in Colorado Springs. We had a chance to play the Broadmoor last summer and give our thoughts about this event. The Break80 Podcast can be found on Apple, Spotify and YouTube for weekly golf content. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike Evans and Scrappy Will Petersen open today’s show looking back at the Broadmoor incident before they talk about JK Dobbins coming to Denver. They recap another tragic Rockies loss as they preview a damning article from The Athletic. Mike fills Will in on Stink’s bad take yesterday and break down why the Broncos are the biggest threat to the Chiefs in the AFC West. They introduce their Daily Top 5: Sports Heroes and Will shares a heartwarming story about his #5 sports hero. Mike thinks this could be the best defense Sean Payton has ever had but how much pressure is VJ under to perform? They finish the first hour speculating why the Nuggets haven’t hired a GM yet.

Questions, suggestions, or feedback? Send us a message!Dr Carine Minne is Consultant Psychiatrist in Forensic Psychotherapy & Psychoanalysis at England's High Security Hospital, Broadmoor. She was also based at The Portman Clinic, London for three decades - an out-patient psychotherapy clinic for people suffering from problems of violence and sexual paraphilia - both under the NHS public health service.She chairs the International Psychoanalytic Association Violence Committee and is editor-in-chief of the International Journal of Forensic Psychotherapy. She has published widely and lectures nationally and internationally. Her main focus always remains the rehumanising of the dehumanised. She doesn't believe in innate evil but in evil acts that are carried out, therefore intervention and treatment is always worthwhile. She is speaking personal experience whilst not representing any of the aforementioned organisations.We talk about:Working as a psychotherapist in a high security prisonWhat creates a violent criminalHow childhood trauma causes disinhibitionInterventions during the first 1000 days of lifeComparing reoffending rates in different countriesThe prison industrial complexAsymmetry of empathy for perpetrators and victimsEducation's impact on recidivisimLet's investigate!Web: www.whereshallwemeet.xyzTwitter: @whrshallwemeetInstagram: @whrshallwemeet

In this milestone episode, host Trace Blackmore welcomes John Caloritis of the Metro Group and current President of the Association of Water Technologies (AWT). Together, they explore the strategic evolution of AWT and announce an exciting new partnership that officially makes Scaling UP! H2O the association's podcast partner. This conversation is a rare behind-the-scenes look into how AWT operates, from board decisions to training initiatives, and what the future holds for water treatment professionals who want to lead, grow, and make an impact.   Behind the Boardroom: How AWT Operates at the Top  John Caloritis gives a full picture of how the AWT Board of Directors functions—including the nomination and election process, board roles, and the important presence of a supplier representative. He also unpacks the quarterly rhythm of board meetings and explains how day-to-day operations are managed by dedicated staff in Rockville, MD.  This section highlights the association's emphasis on structured leadership and professional governance—insights crucial for members considering future leadership roles.   Building Momentum: Strategic Planning, Committees, and New Metrics  From selecting future convention cities to refining AWT's strategic plan, John walks us through the latest developments discussed in the May 2025 board meeting. A major shift includes revisiting governance documents, some untouched for 20 years, and implementing board performance metrics tied directly to AWT's goals.  Additionally, John outlines the role of the new Committee Town Hall and how it strengthens the feedback loop between committees and the board—a must-know for engaged members.   Training the Industry: What's New in AWT Technical Education   AWT continues to invest in elevating its training programs. John details the launch of the new intermediate water treatment course, improvements in wastewater and sales training, and plans for more hands-on and flexible formats. Frisco, TX remains the training hub—with a refreshed schedule aimed at reaching more professionals year-round.  This section underscores AWT's commitment to equipping water treaters with practical, career-advancing education.   Advocacy, Certification, and Expanding Global Reach From ANSI accreditation for the Certified Water Technologist (CWT) designation to expanding relationships with global organizations like the UK Water Management Society, AWT is positioning itself as a global authority. John also shares how new tools like Quorum software are enhancing regulatory insight at the state and federal level, helping members stay ahead of legislation that affects their work.   Charity and Collaboration: The Bigger Mission  John shares how AWT's alignment with World Vision is driving charitable impact—most recently through service projects in Swannanoa, NC and participation in the global 6K for Water. He also introduces a promising new partnership with the American Boiler Manufacturers Association (ABMA), emphasizing the need for joint standards and shared technical knowledge Growing Together: Committees, Mentorship, and New Membership Models John and Trace emphasize the importance of committee participation and unveil initiatives like the mentor-mentee program (via the Women of Water Committee) and the onboarding support provided by Young Professionals. AWT's new Individual Membership model also opens doors for more professionals to join and engage with the association regardless of company affiliation.   A Historic Partnership: Scaling UP! H2O Becomes the Official AWT Podcast  In a powerful announcement, John and Trace reveal that the Scaling UP! H2O Podcast is now the official podcast of AWT. This partnership will allow both organizations to expand their reach, spotlight committee efforts, and communicate more effectively with the broader water treatment community.  This episode pulls back the curtain on the AWT's inner workings and shows the real-world impact of engaged leadership. John's insights offer a valuable reminder that anyone in the water industry can find a place to lead, grow, and serve. Want to learn more about AWT committees or get involved? Review the show notes for direct links to committee descriptions and the mentor-mentee program. If you've been on the fence about getting your CWT, now's the time—set a date, make a plan, and earn your designation.  Stay engaged, keep learning, and continue scaling up your knowledge!    Timestamps  02:38 – Trace Blackmore reflects on the importance of knowing your “why” with a powerful story about the Wright Brothers.  07:11 – Water You Know with James McDonald  08:22 – Upcoming Events for Water Treatment Professionals  10:40 – Interview with John Caloritis, President of the Association of Water Technologies and Technical Director at Metro Group  17:02 – Daily Operations of AWT and roles of key staff members   24:05 – Preview of the upcoming AWT Convention at the Broadmoor, including paper selection and training topics.   35:29 – How to get involved in AWT Committees and the value of participation  39:09 – Big Announcement  42:13 – Upcoming Initiatives: growing CWT Brand, ANSI Certification, and regulatory advocacy    Quotes “I waited until later in life to get more actively involved in the association, and I wish I'd started earlier.” - John Caloritis  “When you put yourself into rooms where you are not the smartest person, that's your key to learning things you didn't even know to ask about.” - Trace Blackmore  “Every hour you engage in, you will contribute so much to your life—and I can't even describe the ways in which I've benefited.” - John Caloritis  “Work backwards, set the date, and then make sure that your study plans work up until that date."  - Trace Blackmore “Without our committees, we are absolutely going nowhere.” - John Caloritis    Connect with John Caloritis  Phone: (917) 593-9492  Email: jcaloritis@metrogroupinc.com  Website: Comprehensive Building Services Since 1925 - Metro Group Inc.  LinkedIn: https://www.linkedin.com/company/themetrogroupinc/   Click HERE to Download Episode's Discussion Guide     Guest Resources Mentioned   AWT Committees  AWT Convention 2025   AWT Governance Document American Boiler Manufacturers Association (ABMA) CWT Certification  Education Offerings Individual Membership Water Treatment Supplier  World Vision    Scaling UP! H2O Resources Mentioned  AWT (Association of Water Technologies)  Scaling UP! H2O Academy video courses  Submit a Show Idea  Star With Why by Simon Sinek   Water You Know with James McDonald  Question: What do you call the enclosed space between the drift eliminators and the fan in an induced-draft tower?    2025 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE. 

TJ and Gary welcome back fan-favorite guest Ricky for a jam-packed episode recapping his spring journey through three major adaptive golf events. With passion, humility, and plenty of laughs, Ricky shares the ups and downs—from early season struggles in Florida to a clutch performance at the U.S. Adaptive Open qualifier in Indianapolis.The episode kicks off with a celebration of Basic Bogeys' one-year anniversary before diving into Ricky's tournament schedule. He walks us through a grind-it-out spring, his solo trips, and the mental battles of playing elite-level adaptive golf after a long off-season in chilly upstate New York.Highlights include:Playing through tough conditions and self-doubt in FloridaA incredible showing at the Indy Adaptive Open despite a knee tweakThe electric qualifier round at Broadmoor, including a birdie on the first hole, eight straight pars, and a dramatic playoff finishCaddying stories with his dad, nerves on the tee box, and a putt that nearly needed a seatbeltWhether you're grinding through your own season or just love a good underdog golf story, this episode brings heart, humor, and the kind of clutch golf that earns respect. Ricky's back, and he's got one hell of a scorecard to show for it.https://www.instagram.com/rickyreilly_/Send us a message and let us know what you thought about this episode! Acorn Hills Clothing Co.BASIC15 for 15% off. Look Good, Feel Good, Do Good!BagBoy - Dynamic BrandsTJ15 at checkout for $15 off a BagBoy Push Cart!The Putter SopBasicBogeys15 for 15% off your order!Smackin' Sunflower Seeds10% off of your order! Thanks for listening. Tune in next Thursday for our next episode! Support the showFollow Basic Bogeys here:Instagram: https://www.instagram.com/basicbogeysTikTok: https://www.tiktok.com/@basicbogeysYouTube: https://www.youtube.com/@basicbogeys?sub_confirmation=1

A former cage fighter from Folkestone has been locked away indefinitely after he attacked a stranger in the street.Kiane Trotman, 38, from Foord Road South, was experiencing paranoid schizophrenia when he punched and kicked his victim near the Canterbury Road Recreation Ground in 2023.Also in today's podcast, the new Reform UK leader of Kent County Council has appeared to backtrack on the party's plans to stop staff working from home.Party leader Nigel Farage said he wanted to get people back in the office, after their success in the recent local elections. Hear what Linden Kemkaran has now had to say.Our campaign calling for reforms to who's eligible for a Blue Badge has been raised in the Commons by one of Medway's MPs.We want the system changed after hearing from cancer patients who've been denied one.The route for this year's Baton of Hope relay through Kent and Medway has been revealed,The Olympic-torch style baton will be passed to volunteers as it makes its way through Gillingham, Rochester, Maidstone, Canterbury and Margate.It's to raise awareness of suicide prevention by encouraging everyone to talk openly about mental health struggles. We've been speaking to one of the baton bearers.There are fears a hike in parking charges in Sandwich and Deal could impact the number of people visiting the towns.The council say the decision's been made following a comprehensive review - looking at supply and demand and planning for the future. Our reporter Sam Lennon has been to Sandwich to get reaction.In sport, Maidstone United have missed out on a chance of promotion to the National League.They were beaten 1-0 away at Boreham Wood in yesterday's play-off final.Elsewhere, Whitstable Town's players have been on an open top bus parade through the town to celebrate their historic FA Vase win.They were joined by staff and all important trophy as they travelled through the streets on Saturday.

Scrappy Will Petersen and Brandon Stokely open today’s show recapping a season-saving Game 6 win. They hear what David Adelman had to say about Julian Strawther’s contributions on both sides of the court after the biggest win of the season. Stoke gets Will’s side of the Broadmoor incident. Scrappy Will and Stoke finish the third hour breaking down the five most intriguing games of the Broncos’ 2025 schedule.

Mike Evans and Brandon Stokely open today’s show with Stoke throwing around his weight at Starbucks and Mike’s regrets for missing the chance to golf at the Broadmoor. It’s graduation season and the guys discuss tailgating before the ceremony and how much to give at the grad party. They dive into the Broncos’ schedule after the full NFL slate was revealed yesterday and they dump on the Broncos’ promo video to finish the first hour.

Mike Evans and Brandon Stokely with Mark Schlereth kick off the fourth hour with Mike trying to spin his Broadmoor faux pas before they talk about NFL Schedule Release videos jumping the shark. The guys take on The Drive’s trivia challenge, how will they follow up their 3-1 performance from last week? They sort through some scenarios where the Nuggets take tonight’s Game 6 to force a Game 7. Mike, Stink, and Stoke finish today’s show discussing how far to take the impending Nuggets roster overhaul before they make their fearless predictions for Game 6.

Mike Evans and Brandon Stokely with Mark Schlereth enter the third hour recapping what went wrong in the Nuggets’ Game 5 loss. Stink hops on the show and joins Stoke on the MPJ hate train as they vent about the last two games the Nuggets dropped. They discuss the drip-feed schedule leaks the NFL is giving us before they look at the gift the Broncos are getting to open the season. Mike, Stoke, and Richie Carni finish the first hour telling Stink all about the Broadmoor incident that happened yesterday.  

Mike Evans and Brandon Stokely with Mark Schlereth kick off the fourth hour with Mike apologizing for pointing the finger at his coworkers for missing golf at the Broadmoor. They Hit the Hardwood where it’s all doom and gloom from the players while Mike tries to keep up reasons for optimism. Stink’s co-host, Craig Carton, hijacks Stink’s microphone to tell the guys why the Nuggets are screwed. It looks like the Broncos got a gift from the NFL schedule makers but Stink thinks otherwise and he worries that Mike and Stoke are underestimating the mighty Titans. They finish today’s show looking forward to Game 6.

In the powerful conclusion to our eight-part conversation with World Golf Hall of Fame member Hale Irwin, we journey with one of golf's greatest competitors as he reflects on the final chapter of his playing career and the enduring legacy he leaves behind.Irwin shares memories of his seventh and final senior major victory at Valhalla, a week marked by rain delays, back pain, and a quiet moment of clarity found in the solitude of his car with a book in hand. He speaks candidly about rival and friend Jay Haas, the grace of Payne Stewart, and the brilliance—yet unfulfilled potential—of Tom Weiskopf. With honesty and humility, Hale opens up about what it truly means to win, to persevere, and to walk away on your own terms.We also explore Irwin's deep commitment to philanthropy, including the creation of the Hale Irwin wing at St. Louis Children's Hospital and his recent honor as the 2025 U.S. Senior Open Honorary Chair at The Broadmoor. Hale discusses his second career in golf course design and the joy of building courses that bring people back for another round.In our final three questions, Hale reveals the one “Mulligan” he might take—not on the course, but in life—and how he hopes to be remembered: not just as a champion golfer, but as a friend, a mentor, and a man who always tried to do what was right.This final episode is a heartfelt and fitting end to an extraordinary life story, told in the voice of a man who lived it with integrity, grace, and grit. Hale Irwin's reflections remind us that in golf—as in life—it's the relationships, not the trophies, that matter most.Give Bruce & Mike some feedback via Text.Support the showFollow our show and/or leave a review/rating on: Our Website https://www.forethegoodofthegame.com/reviews/new/ Apple Podcasts https://podcasts.apple.com/us/podcast/fore-the-good-of-the-game/id1562581853 Spotify Podcasts https://open.spotify.com/show/0XSuVGjwQg6bm78COkIhZO?si=b4c9d47ea8b24b2d About "FORE the Good of the Game” is a golf podcast featuring interviews with World Golf Hall of Fame members, winners of major championships and other people of influence in and around the game of golf. Highlighting the positive aspects of the game, we aim to create and provide an engaging and timeless repository of content that listeners can enjoy now and forever. Co-hosted by PGA Tour star Bruce Devlin, our podcast focuses on telling their life stories, in their voices. Join Bruce and Mike Gonzalez “FORE the Good of the Game.” Thanks so much for listening!

This isn't your average mortgage industry chat.In this high-impact episode, Diego Sanchez, President of HousingWire, joins Fobby for a raw, unfiltered conversation on the real forces shaping the mortgage business in 2025. From AI and servicing dominance to the truth about signing bonuses, nothing is off-limits.Whether you're a loan officer looking for your edge or a leader planning next year's strategy—this is the conversation you didn't know you needed.Why servicers are positioned to dominate refis —and what that means for retailHow to actually use AI to free up time and drive better borrower engagementWhat top executives are privately saying (and doing) that's shaping the industryWhy signing bonuses are alive and well—even when leaders publicly denounce themHow to leverage local market knowledge as your competitive advantage"One guy told me he's got an ice cube (servicing pool)—and he's going to do everything he can to not let it melt. That's the mindset servicers have now with their portfolios."– Fobby Naghmi“Know your local market better than anyone else. Don't just repeat national headlines—be the expert your clients and agents trust.”– Diego Sanchez

In this episode, Chris Burns brings Nik Darrah back to the show to welcome our special guest, Mark Kelbel! Mark is the former golf pro at the Broadmoor golf course and the founder and chairman of Fearless Golf. Fearless Golf allows Mark to open doors and present opportunities to teens and young adults to help foster healthy and successful transitions into adulthood. From hearing moments in Marks's story that lead him in this direction to the profound impact these opportunities have for young people, this conversation will surely captivate and educate everyone on a rarely acknowledged topic. For further information on Mark and Fearless Golf or to find donation opportunities, check out Newhorizonsfoundation.com.

Peter Sutcliffe, dubbed the Yorkshire Ripper in the press, attacked woman after woman with a hammer and a knife (and sometimes also a screwdriver), primarily in West Yorkshire, England, from 1969 to 1980. Murdering 13 women between 1975 and 1980, he left many other women alive but badly battered and traumatized. The search to find one of England's most heinous serial killers became the largest manhunt in British history.  And I share the whole crazy story today. Merch and more: www.badmagicproductions.com Timesuck Discord! https://discord.gg/tqzH89vWant to join the Cult of the Curious PrivateFacebook Group? Go directly to Facebook and search for "Cult of the Curious" to locate whatever happens to be our most current page :)For all merch-related questions/problems: store@badmagicproductions.com (copy and paste)Please rate and subscribe on Apple Podcasts and elsewhere and follow the suck on social media!! @timesuckpodcast on IG and http://www.facebook.com/timesuckpodcastWanna become a Space Lizard? Click here: https://www.patreon.com/timesuckpodcast.Sign up through Patreon, and for $5 a month, you get access to the entire Secret Suck catalog (295 episodes) PLUS the entire catalog of Timesuck, AD FREE. You'll also get 20% off of all regular Timesuck merch PLUS access to exclusive Space Lizard merch.

In the first session of the CPOMP 2024 Annual Meeting, Dr. Bruce Cohen from OrthoCarolina kicked off the Real Estate 101 session by discussing the importance of owning the medical real estate. He touches on why it's different than your residential real estate investments, why to pay attention to the leases, and why it's one of the most stable investments a physician can make.  Join discussions like this at CPOMP 2025 from September 11-13, 2025 at The Broadmoor in Colorado Springs. Register at www.CPOMP.org/2025meeting.

Understanding Violence: Dr. Gwen Adshead's First Reith LectureIn this episode of Crime Time, Inc., we delve into the first of four Reith Lectures by Forensic Psychiatrist Dr. Gwen Adshead. Titled 'Is Violence Normal?' this lecture explores the complexities surrounding human violence. Dr. Adshead, who has extensive experience working in prisons and high-security hospitals like Broadmoor, argues that violence is a part of human nature and is influenced by various social and individual factors. She challenges the conventional notion of profiling typical killers and urges us to understand the relational contexts and risk factors that lead to violence. Using the analogy of a bicycle lock, she explains how different risk factors combine to unlock violent behaviour. Dr. Adshead highlights the importance of responsibility and the dangers of normalising violence through media and societal narratives. The discussion also touches on the role of mental illness, the potential for rehabilitation, and the need for nuanced approaches to preventing violence. Tune in for a thought-provoking episode that pushes us to reconsider our assumptions about violence and its perpetrators.00:00 Introduction to the Reith Lectures00:42 Overview of Dr. Gwen Adshead's Lectures00:54 Is Violence Normal?01:40 Understanding the Roots of Violence03:30 The Bicycle Lock Analogy04:28 Neutralization and Responsibility06:19 Challenging the Concept of Evil13:41 Rehabilitation and Change15:24 Final Thoughts and Takeaways Hosted on Acast. See acast.com/privacy for more information.

On this podcast, we're used to hearing the broker's or the carrier's point of view. But in this episode, we're showcasing a conversation held at the ECC Conference with two shippers, one in restaurant equipment and the other in electrical systems, who share their experience in trying to solve their supply chain challenges since 2020. The ECC Conference was held in Colorado Springs at the Broadmoor and I was honored to participate in the panel alongside Phil Stephenson of Avail Infrastructure Solutions and Fred Mudge of Powell Electrical Systems.LINKS:ECC Association WebsitePhil's LinkedInFred's LinkedInWATCH THE FULL EPISODE HEREFeedback? Ideas for a future episode? Shoot us a text here to let us know.---------------------------------------------THANK YOU TO OUR SPONSORS!Are you experienced in freight sales or already an independent freight agent? Listen to our Freight Agent Trenches interview series powered by SPI Logistics to hear directly from the company's agents on how they took the leap and found a home with SPI freight agent program. Tai TMS is designed to streamline your brokerage operations and propel growth for both FTL and LTL shipment cycles. Book a demo with the Tai team today and tell them Everything is Logistics sent you. Trimble is transforming the way the world works through industry leading solutions that reduce cost and maximize productivity. Learn more about Trimble Technology here.Digital Dispatch maximizes your #1 sales tool with a website that establishes trust and builds rock-solid relationships with your leads and customers. Check out our website services here.

Apply for a free registration to the Residential Conference in Minnesota! https://forms.gle/hy49Qkvno7aD3ppP6 Live from the Broadmoor! Subscribe to 1 Page Weekly w Nick Slavik! My weekly audio newsletter about data, feelings, self and entrepreneurship https://open.spotify.com/show/7ehKiZmIMvpNClL2fLNMzr... Link to the PCA's event page: https://www.pcapainted.org/events/ Upcoming events: -Women In Paint - 8-10 Oct Hollywood Beach Fl -PCA Residential Conference 24-25 Oct Minneapolis Mn -PCA Commercial Contractor's Retreat 12-15 Nov Scottsdale, Az -Gathering of MN Painters / SW / Graco Master's Class - 6 Dec -PCA Expo Feb 3-7 2025 Colorado Springs Want a LIVE Masters Class in your area? Contact Marsha at the PCA mbass@pcapainted.org and we can arrange it for you! PCA member companies are 15x larger, more profitable and more stable than the average painting company. How did they do this? PCA's Business Training: https://www.pcapainted.org/business-training/ Find More Episodes on PCA Overdrive: https://www.pcaoverdrive.org/ask-a-painter PCA Overdrive is free for members. Not a member? Download the app on the Apple Store or Google Play and enjoy a 7 day free trial! Become a member: https://www.pcapainted.org/membership-resources/

Send us a textDr. Gwen Adshead is a forensic psychiatrist, consultant & therapist who spent most of her professional career working with homicide perpetrators in secure psychiatric hospitals. She's also the author of The Devil You Know, a book that documents her encounters at the Broadmoor Hospital, the oldest of England's three high-security psychiatric hospitals, known for housing its share of serial killers. In this episode, she shares insights from working with patients who exist at the edge of lucidity including concepts like Contagious emotions, reality testing & vengefulness. She shares what it's like navigating the minefield of lies that patients tell & that we all tell ourselves, the universal capacity for cruelty & what we can learn from the Nazis.If you liked this episode, you'll also like episode 162: WHY AM I NOT HAPPY? ANCIENT BRAINS & MODERN EMOTIONSGuest: https://a.co/d/3i8Zkc9Host:  https://www.meredithforreal.com/  | https://www.instagram.com/meredithforreal/  | meredith@meredithforreal.com | https://www.youtube.com/meredithforreal  | https://www.facebook.com/meredithforrealthecuriousintrovert Sponsors: https://www.jordanharbinger.com/starterpacks/ | https://uwf.edu/university-advancement/departments/historic-trust/ | https://www.ensec.net/

Duffy Solich has taken a long journey from a caddy at the Broadmoor to an organizer of the BMW Championship. He sat down with Vic and Mose to reflect on it all. 

Caroline Robinson - Jimmy Savile VictimSep 4, 2022In the 1970s in the UK, there can be few names which were as synonymous with childrens television than Jimmy Savile. Savile same to fame via Radio Luxembourg and Tyne Tees Television, eventually appearing on the BBC radio and television networks. He was lauded by politicians and other celebrities for his ‘tireless' charity work, but beneath the veneer of an eccentric show business DJ and philanthropist, lay a vicious and depraved pervert. Something which only came to wider public attention after his death.Ed's guest is Caroline Robinson, great niece to Savile. She tells how it was known what Savile was in the family, and she herself was victim to the abuse Savile dished out to others. Unlike others, though, Ms Robinson's silence was bought by both Savile lavishing gifts and support on her and the wish not to have the association to someone so famous suddenly removed from her family. ‘It made me proud to tell others my Great Uncle was Jimmy Savile' she said.Following Savile's passing in 2011, a sleuth of accusers – many unknown to each other – surfaced. Savile had allegedly sexually abused children in theatres, cars, private homes, BBC dressing rooms and almost no area was safe for him to be left alone with a child of either sex. His access to places like Broadmoor and Stoke Mandeville Hospital also gave suspicion that Savile may have abused patients and there is some evidence to suggest Savile indulged in necrophilia.The legacy of filth lives on; did the BBC mandarins know about Savile? Was his presentation from a distant studio in Manchester a move to make staff feel safer whilst not acknowledging complicity?This interview is about family. It's about having a secret; but it's also about how a slick, protected paedophile fooled a nation, how he betrayed parents, abused vulnerable and/or impressionable children and adults and how he was in plain sight all the time.Books: In Plain Sight: The Life and Lies of Jimmy Savile Savile - The Beast: The Inside Story of the Greatest Scandal in TV History: Singing with "Iron Maiden" - the Drugs, the Groupies...the Whole Story Victim Zero: Jimmy Savile tried to ruin my life. I was the first victim to fight back.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

In the 3rd instalment of the Teacup trilogy  in 4 parts, Ali and Bob look at the crimes of the man known as the teacup poisoner committed after his release from the Broadmoor medical facility in 1971, while working for John Hadland Laboratories.