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Jaroslav Naď, Alexander Gurský, Peter Kozák, Pavol Líška, Marek Banas. To sú len niektoré z mien ľudí, ktorých v stredu zadržala polícia, respektíve sa o to aspoň pokúsila.V prípade bývalého ministra obrany sa tak malo stať ráno okolo šiestej v čase, keď bol so synom v Kanade, čo opakovane dokumentoval aj na sociálnych sieťach.Čo sa to vlastne v stredu stalo, prečo polícia vôbec zatýkala a čo s tým celým má európska prokuratúra?Eva Frantová sa v podcaste Dobré ráno pýta Matúša Burčíka z domácej redakcie denníka SME.Zdroje zvukov: TA3, STVR, Markíza, AktualityOdporúčanie:Oplatí sa ozvať? Má zmysel protestovať? A kedy bude kultúra na Slovensku tak zdevastovaná, že sa z toho už nespamätá? Aj o týchto otázkach bude hovoriť Zuzana Kovačič Hanzelová a zástupca šéfredaktorky denníka SME Jakub Filo v špeciálnej verejnej nahrávke podcastu Dobré ráno sobota. Ich hostkou bude herečka, autorka a občianska aktivistka Kristína Tormová. Príďte si vypočuť otvorenú diskusiu 24. júna o 19:00 na terasu Kácečka v Bratislave.–Všetky podcasty denníka SME nájdete na sme.sk/podcasty–Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
In this episode, I explain leadership identity, how it differs from personal brand, and why it's the key to making confident, aligned decisions, especially in times of change.You'll learn how to:Clarify your leadership identity using values, strengths, and reflectionTurn your identity into a decision-making filterSet better boundaries and lead with consistencyNavigate transitions, burnout, or reinvention with clarity and confidenceMentioned on the Show: Ready to lead with clarity, confidence, and impact? Take the Make Your Power Move Leadership Assessment and unlock the tools to define your leadership identity, elevate your influence, and step into your next role with purpose. For a limited time, use code POWER to get 50% off. → Start your Power Move today. Learn More HERESupport the showJill Griffin, host of The Career Refresh, delivers expert guidance on workplace challenges and career transitions. Jill leverages her experience working for the world's top brands like Coca-Cola, Microsoft, Hilton Hotels, and Martha Stewart to address leadership, burnout, team dynamics, and the 4Ps (perfectionism, people-pleasing, procrastination, and personalities). Visit JillGriffinCoaching.com for more details on: Book a 1:1 Career Strategy and Executive Coaching HERE Build a Leadership Identity That Earns Trust and Delivers Results. Gallup CliftonStrengths Corporate Workshops to build a strengths-based culture Team Dynamics training to increase retention, communication, goal setting, and effective decision-making Keynote Speaking Grab a personal Resume Refresh with Jill Griffin HERE Follow @JillGriffinOffical on Instagram for daily inspiration Connect with and follow Jill on LinkedIn
Kia ora,Welcome to Monday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news the hot-war tensions in the Middle East from Israel's attack on Iran has generated substantial financial market reaction. And a 'hot' war between Israel and Iran could go on for a very long time. The first three days may only be the startThe gold price has jumped. The oil price has soared. Equity prices are falling, although the futures market suggests Wall Street may open tomorrow unchanged. Bond yields are up after an earlier risk-aversion fall. The US dollar has been falling but is now in a wavering phase.Coming up this shortened week locally are a first look at May inflation with the selected price indexes, and on Thursday, Q1-2025 GDP. Expect a +0.7% expansion from Q4-2024. And there will be a full dairy auction on Wednesday.Geopolitical tensions in the Middle East will remain in focus next week following Israel's strike on Iran's nuclear facilities, heightening fears of a broader regional conflict. Markets will also be closely watching any progress on trade negotiations between the US and its key partners.Meanwhile, attention shifts to the G7 Summit in Canada, where leaders of the world's largest economies will meet to discuss major global challenges. But one not on the formal agenda is the US's trade war with these allies. Of course it will be a hot topic in non-official discussions. Of special interest will be the meeting between Australia's Albanese and Trump.It's also a busy week for monetary policy decisions. The US Federal Reserve (4.50%), People's Bank of China (LPR 3.0%), Bank of Japan (0.5%), and Bank of England (4.25%) are all expected to keep interest rates unchanged. Decisions are also due from central banks in Switzerland, Sweden, Norway, Turkey, Brazil, Indonesia, the Philippines, and Taiwan. On the data front, we get China's industrial production and retail sales, and Japan's trade data.Australia's May labour market data will be updated on Thursday. So a lot to absorb this week irrespective of the uncertainties swirling over the hot wars.Bur first in China, their banks extended ¥620 biln in new yuan loans in May, up from ¥280 bln in April, but that was the lowest level for that month since 2005. Despite the monthly rebound, the May new loan figure was way less than the expected ¥850 bln, and even lower than the ¥950 bln in May 2024. Low interest rates are not encouraging lending. The average rate in May was little-changed at 1.55%.Japanese industrial production also fell in April from March, down -1.1%, but remained +0.5% higher than a year ago.Malaysian retail sales were up +4.7% in April from a year ago, but as good as that sounds it is the weakest year-on-year rise since May 2023. And these gains are before inflation, which is running in Malaysia at only +1.4%.In the US was news American consumer sentiment improved in early June from May in the widely-followed University of Michigan survey which was taken June 2-7, 2025. Although this is the first improvement in the past six months, it is off a record low and is still -11% lower than year-ago levels. This survey pre-dates the current crises. And it predates the widespread (2000+) series of well-attended protest rallies in the US (attended by up to 5 mln people), even in the face of an assassination of one Democrat lawmaker and the attempted assassination of another. Given the Proud Boys Telegram chatter, this isn't so surprising.On the US West Coast, container traffic at the large Los Angeles shipping terminals fell in May. Import traffic was down -19% from April, down -9% from a year ago. Export loadings were down -5% from a year ago. (The Long Beach May data isn't available yet but it is likely to be similar.)North of the border, and perhaps somewhat surprisingly, Canadian vehicle purchases rose in April to 195,700, the highest level since June 2019. Perhaps this is boosted by buyers wanting to avoid tariff-related price hikes. The jump was country-wide and was +11% above the year-ago level.Meanwhile Canadian manufacturing sales fell -2.8% in April, with the tariff impacts starting to be felt. It was down -2.7% from a year ago. Recession risks are rising in Canada.EU industrial production sagged in April from March after a strong March gain, but managed to stay marginally higher than year-ago levels. The EU publishes this data on a volume basis, so this is a 'real' gain.Finally we should probably note that the price of lithium carbonate has now crashed -90% from its giddy height in 2022. It is now back to late 2020 levels before the frenzy.The UST 10yr yield is now at 4.41%, and unchanged from Saturday.The price of gold will start today at US$3,430/oz, and down -US$3 from Saturday but up +US$115 from a week ago. In contrast the silver price at US$36.17/oz is little-changed from a week ago.American oil prices are holding higher, although down -50 USc from Saturday at just on US$73/bbl while the international Brent price is now just under US$74.50/bbl. These are large jumps from a week ago on the war risks. And the full assessment of supply risks are not yet understood, so this price could be volatile this week.The Kiwi dollar is now just under 60.2 USc, down -10 bps from Saturday. Against the Aussie we are unchanged at 92.7 AUc. Against the euro we are down -10 bps at 52.1 euro cents. That all means our TWI-5 starts today at over 67.9 and down -20 bps from Saturday (shifted a bit by a fall against the British pound).The bitcoin price starts today at US$105,794 and up +0.6% from Saturday. Volatility over the past 24 hours has been low at just on +/-0.8%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.
Giuseppe Conte"Poesia, al cuore dell'uomo"Seminare Idee Festivalhttps://www.seminareideefestival.it/evento_festival/poesia-al-cuore-delluomo/Seminare Idee Festival, Pratodomenica 8 Giugno 2025, ore 10:00Chiostro San Domenicoincontro con Giuseppe Conte"Poesia, al cuore dell'uomo"I primi esempi di coraggio in cui ci imbattiamo da lettori sono nel mito e nella poesia dei Greci. Pensiamo ad Achille, il giovane eroe che osa contrastare il Signore di Uomini Agamennone e accettare il proprio destino, o, caso ancora più emblematico, a un'eroina come Antigone, la figlia di Edipo che in nome della giustizia morale e dell'amore fraterno e in contrasto con la timorosa sorella Ismene, sfida Creonte, re di Tebe. Nei tempi medioevali e moderni c'è un coraggio che si manifesta di fronte al mare. Esempio principale è quello dell'Ulisse dantesco che sfida l'ignoto e l'infinito. Poi quello di Colombo, dei doppiatori di Capo Horn, degli ammutinati come Fletcher Christian, di Lord Byron con le sue celebri traversate a nuoto. Nel quotidiano esiste un coraggio nel fare il proprio dovere sino in fondo e il proprio lavoro con passione. Esiste anche un leggero coraggio nell'affrontare con humour (non sarcasmo e irrisione) i casi che ci toccano giorno dopo giorno. In una società dominata dalla tecnocrazia capitalista, esiste un coraggio nella pratica della poesia, che, umiliata e accantonata, continua a tener vivo tutto ciò che è umano, tutti i movimenti dell'anima, e continua a sognare una rivoluzione che riguardi nuove forme del vivere e nuovi assetti della società. Esiste infine il coraggio dell'esilio e del migrante, e il coraggio della speranza, come si legge in Un altro giorno verrà, del poeta palestinese Mahmud Darwish.Giuseppe Conte"Ferite e rifioriture"Lo Specchio / Mondadorihttps://www.ibs.it/ferite-rifioriture-libro-giuseppe-conte/e/9788804801283?inventoryId=796241997&queryId=71f0e56f9fea5c7008c2543a2bb5111cQuando nel 2006 apparve questa compatta e insieme articolata raccolta, la non esibita originalità del suo percorso interno valse a Giuseppe Conte la vittoria del premio Viareggio. Diverse le ragioni, a cominciare dall'ariosa, insolita e vitale apertura al canto che subito vi si impone, insieme ai diversi rivoli del pensiero che ne percorre le pagine e i capitoli, realizzando una testimonianza poetica dell'essere nel mondo nella sottile vibrazione delle emozioni che l'accompagnano. Con la fluida eleganza aperta della sua pronuncia, in quella che definisce come l'«assurda gioia di essere vivo», Conte porta sulla scena della pagina l'amore e il dolore, che sempre nell'umano vivere si insinua. "Ferite", dunque, che inevitabilmente ci colpiscono, ma anche felici riprese, e quindi autentiche "rifioriture". Il poeta ascolta la memoria, quella personale, ma anche quella storica, sempre attiva nello scorrere del tempo che inesorabilmente ci muta. La sua parola dialoga con l'esempio dei grandi autori prediletti, da Hölderlin a Baudelaire, da Ungaretti e Milosz a Kavafis e Ginsberg. Ma Conte procede muovendosi ben fedele all'amato territorio ligure, e al contempo visitando e facendosi coinvolgere da altri mondi, dall'Aquitania all'isola Maurizio, luoghi sempre in grado di offrire alla sua sensibilità nuove tracce di apertura. Dedica poi versi alla divinità ctonia, a Persefone, nel segno del mito, tema ben radicato nel cuore della sua vicenda umana e di scrittore. Il suo pensiero è sempre libero e limpido, pur nelle ombre che il vissuto ci riserva e che tanto spesso ci colgono inattese. Ed eccolo allora in un quotidiano confronto con la materia, «la madre nostra comune», nella desolazione della precarietà e dunque nella consapevolezza che «tutto scompare». Ma la mobilità del suo pensiero gli consente non di meno di cogliere l'azione dello «Spirito che ci genera / come uomini e ci dà il canto», facendo di "Ferite e rifioriture" un testo di molteplice e inesausta vitalità.Giuseppe Conte (Imperia, 1945), poeta e narratore, ha pubblicato raccolte di poesia, saggi e romanzi, sui temi della natura dell'eros e del mito. Autore di resoconti di viaggi, cultore appassionato del mito, ha tradotto poesie di Blake, Whitman, D. H. Lawrence e Shelley. Tra le raccolte di poesia: L'Oceano e il Ragazzo (BUR, 1983 e TEA, 2002); Le stagioni (BUR, 1988, Premio Montale); Ferite e rifioriture (Mondadori, 2006, Premio Viareggio); Poesie 1983-2015 (Oscar Mondadori, 2015); Non finirò di scrivere sul mare (Mondadori, 2019). Tra i suoi romanzi: Il terzo ufficiale (Longanesi, 2002, Premio Hemingway); La casa delle onde (Longanesi, 2005, Selezione Premio Strega); L'adultera (Longanesi, 2008, Premio Manzoni); Il male veniva dal mare (Longanesi, 2013); Sesso e apocalisse a Istanbul (Giunti, 2018); I senza cuore (Giunti, 2019); Dante in Love (Giunti, 2021) e Il mito greco e la manutenzione dell'anima (Giunti, 2021). Il suo ultimo libro è Nessuno può uccidere Medusa (Bompiani, 2024).IL POSTO DELLE PAROLEascoltare fa pensarewww.ilpostodelleparole.itDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.
Músicas de nuestro planeta... y alrededores Music from our planet... and beyond Viajamos por todo el orbe e incluso escuchamos música de otros planetas imaginarios (¿o no?), con nuevos e interesantes discos que llegan hasta nuestras manos y oídos, y que nos hacen viajar por las cumbres de los Andes, entre las comunidades indígenas norteamericanas, con un encuentro galáctico-japonés, haciendo diversas escalas en África (Lesoto, Níger y La Reunión), pasando después por Anatolia, Persia, los países nórdicos y Gran Bretaña. We travel across the globe and even listen to music from other imaginary planets (or not?), with new and fascinating albums reaching our hands and ears, taking us through the peaks of the Andes, among Native North American communities, with a galactic-Japanese encounter, making various stops in Africa (Lesotho, Niger and Réunion), then moving through Anatolia, Persia, the Nordic countries and Great Britain. - Pacha Wakay Munan - Machu tara - El tiempo quiere cantar - Sons of Membertou - The people of the dawn / Wejkwita'jik (The gathering song) - Wapna'kik: The people of the dawn - Kuunatic - Kuuminyo [+ Rekpo] - Wheels of Ömon - Famo Mountain - Oi, oi, oi (Putting baby to sleep) - For those left behind - Etran de L'Aïr - Agadez - Agadez [single] - Votia - Vié kaz - Vié kaz - Gavur Gelinler - Ufak ufak - Burçak tarlasında gelin olması - Sibel - Burçak tarlası - Ne biraktik - Araz Salek - Goshāyesh 11 & 15 - Peripheries of Nahavand - Maija Kauhanen & Johannes Geworkian Hellman - First flight - Migrating - Päivi Hirvonen - Eksyneelle - Maa palaa - iyatraQuartet - Beatriz - Wild green Kuunatic (Celine Fougerouse)
Najprv výkrik „Robo, poď sem”, potom päť výstrelov. Štyri z nich zasiahli cieľ. Presne takto pred rokom sa stal premiér Robert Fico terčom atentátu počas výjazdového rokovania vlády v Handlovej.Útočiacim bol dôchodca Juraj Cintula, ktorého hneď na mieste spacifikovala polícia a odvtedy čaká na prvé súdne pojednávanie vo väzbe. Premiér sa z toho najhoršieho dostal a spoločnosť? Tá je podľa mnohých ešte rozdelenejšia než pred atentátom.Čo sa dialo v prvých minútach po atentáte medzi politikmi koalície, aký posun vo vyšetrovaní nastal za jeden rok, nakoľko voliči veria Ficovmu naratívu o atentátnikovi, ktorý konal na pokyn opozície a stane sa atentát na Fica hlavným bodom jeho štvrtej vlády ?Eva Frantová sa v podcaste Dobré ráno pýta Michala Katušku a Matúša Burčíka z domácej redakcie denníka SME.Zdroj zvukov: TA3, JOJ, Markíza, Aktuality, BBC, Plu Jeden Deň, YouTube/SMER-SDOdporúčanie:Švédsky antisemitizmus tridsiatych rokov nie je žiadnym tajomstvom, ale až kniha Elisabeth Asbrink A vo Viedenskom lese stále stoja stromy, ktorá je mojím dnešným odporúčaním, ukázala, akými samozrejmými, všeobecne necitlivými a krutými činmi sa prejavoval. Poukazuje taktiež na to, do akej miery sa švédskej, ale nielen švédskej spoločnosti podarilo vytlačiť z povedomia zodpovednosť za holokaust. A ukazuje tiež na mnohé paralely so súčasnosťou. Pretože rasizmus neumrel, len zmenil jazyk. Pojem horšej rasy nahradila cudzia kultúra.–Všetky podcasty denníka SME nájdete na sme.sk/podcasty–Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
For National Biodiversity Week we bring you stories of traditional farming and rural life and how they relate to biodiversity. There are very few direct references to biodiversity in the Cuimhneamh an Chláir archive since that concept has only become part of common language in more recent times. However there are stories of plant life and nature, cures, dyes, farming practices etc that tell us in subtle ways about biodiversity and environmental sustainability.Featured are Brendan Dunford from Tubber (Burren Beo Trust), John Vaughan from Kilfenora, Pat & Oliver Nagle from Corofin, Sean O' Halloran from Kilfenora, Paddy Joe McMahon from Cappabane, Scariff, Teresa Flynn from Mountshannon, Thomas Barry from Inagh, Michael McGrath from Lisdoonvarna / Scariff, Bridie Mahony from Moughna, Catherine Talty from Coore. The collectors / cuairteóirí are Paula Carroll, Tomás MacConmara, Frances Madigan.For more of Catherine Talty's self-recordings check the Cuimhneamh an Chláir collections at Digital Repository of Ireland, supported by The Heritage Council. GLOSSARY OF TERMSSwallow hole: Many rivers in the Burren area of Co. Clare flow underground as well as overground, due to the many fissures in the limestone pavement. Swallow holes are the point at which the surface water disappears underground.In Seán O' Halloran's account:Scailp (Irish): The cleft between rocks, very common in the Burren in Co. ClareRúitín (Irish): AnkleFáisceán (Irish): – a home-made tourniquet used to keep an animal's broken leg bound and immobilised Series 2 of The Clare Oral History Podcast is supported by The Ireland Funds Follow Cuimhneamh an Chláir on Instagram, Facebook, X or LinkedIn
Radio International - The Ultimate Eurovision Experience is broadcast from Malta's Radio 105FM on Tuesday evenings from 2100 - 0059 hours CET. The show is broadcast live on Wednesday evenings from 1900 - 2300 hours CET on the Eurovision Radio International Mixcloud Channel as well as on the Facebook Page of Eurovision Radio International with an interactive chatroom. AT A GLANCE - ON THE SHOW THIS WEEK Eurovision 2025 - The Radio International Voting Results will be revealed during the show this week. Meet the Eurostars 2025: Interview with Parg (Armenia 2025) done at Madrid PreParty 2025 Meet the Eurostars 2025: Interview with Go-Jo (Australia 2025) done at the London Eurovision Party Meet the Eurostars 2025: Interview with JJ (Austria 2025) at the London Eurovision Party 2025 Meet the Eurostars 2025: Interview with Erika Vikman (Finland 2025) done at the Madrid PreParty 2025 Meet the Eurostars 2025: Interview with Louane (France 2025) done at Eurovision in Concert 2025 in Amsterdam Meet the Eurostars 2025: Interview with Emmy (Ireland 2025) at the Madrid PreParty 2025 Meet the Eurostars 2025: Interview with Tautumeitas (Latvia 2025) at the Madrid PreParty 2025 Meet the Eurostars 2025: Interview with Katarsis (Lithuania 2025) at the Madrid PreParty 2025 Interview with Julien Salvia and Ludovic-Alexandre Vidal Songwriters of the the Luxembourg 2025 entry done at Eurovision in Concert 2025, Amsterdam Meet the Eurostars 2025: Interview with Nina Žižić (Montenegro 2025) at MancHagen 2025 Meet the Eurostars 2025: Interview with Princ (Serbia 2025) at the Madrid PreParty 2025 Meet the Eurostars 2025: Interview with Zoe Me (Switzerland 2025) done at the Madrid PreParty 2025 Meet the Eurostars 2025: Interview with Remember Monday (United Kingdom 2025) done at Eurovision in Concert 2025 in Amsterdam Eurovision Birthday File with David Mann Eurovision Cover Spot with David Mann Eurovision Calendar with Javier Leal Meet the Eurostars 2025: After the National Final Season to the Eurovision Song Contest 2025 the PreParty Season started which serves as a promotion tour for the delegations taking part and fans have the chance to see the Eurovision Stars at those events and even have their Meets and Greets with the artists that will perform on the stage of the Eurovision Song Contest. There was Eurovision in Concert in Amsterdam, The Madrid PreParty ES, the London Eurovision Party and Manc - Hagen in Manchester just to mention a few. The voices of Radio International have been at those parties and interviewed many of the artist and you can hear those interviews on the show in the run up to the Eurovision Song Contest 2025. Not long to go now Revealing the International Jury Results for the Eurovision Song Contest 2025 - Semi Final 2 and the Grand Final: After the National Final Season it is a tradition that the Team of Radio International, selected fans of the Eurovision Song Contest and Experts are voting for the songs that are competing at the Eurovision Song Contest 2025 per Semi Final 1, Semi Final 2 and the Grand Final Songs. This week Radio International will be broadcasting the result of that voting on the show this week revealing how the Jury voted. Also there are still some interviews with the Eurostars 2025 that are competing in Semi Final 2 and the Grand Final of the Eurovision Song Contest 2025 which will be broadcast along with the results of the voting. MEET THE EUROSTARS OF SEMI FINAL 1 AND GRAND FINAL OF EUROVISION 2025 Parg (Armenia 2025) with JP at the Madrid PreParty Meet the Eurostars 2025 - Interview with Parg (Armenia 2025): Following Ladaniva who represented Armenia at the Eurovision Song Contest 2024 is Parg who will perform the song "Survivor" at the Eurovision Song Contest 2025 in Semi Final 2 Song Number 5. Radio International's JP, Marc and Alexander had the pleasure to meet and interviewed Park at the MadridPreParty 2025. Go-Jo (Australia 2025) at Eurovision in Concert, Amsterdam Meet the Eurostars 2025 - Interview with Go-Jo (Australia 2025): The entry from Australia at the Eurovision Song Contest 2025 is Go-Jo who will perform the song "Milkshake Man" in Semi Final 2 Song Number 1. Radio International's JP met and interviewed the singer at Eurovision in Concert 2025 in Amsterdam, The Netherlands. JJ (Austria 2025) at the London Eurovision Party 2025 Meet the Eurostars 2025 - Interview with JJ (Austria 2025): JJ alias Johannes Pietsch represents Austria at the Eurovision Song Contest 2025 in Basel in Semi Final 2 Song Number 6 with the song "Wasted Love". Radio International's Salman met the young and very talented singer at the London Eurovision Party 2025 and conducted an interview you can hear on the show this week. Austria is one of the strong favourites to win the Eurovision Song Contest 2025. Erika Vikman (Finland 2025) at Eurovision in Concert in Amsterdam Meet the Eurostars 2025 - Interview with Erika Vikman (Finland 2025): The Winner of the National Final 2025 in Finland called UMK (Uuden Musiikin Kilpailu) is Erika Vikman who will represent Finland at the Eurovision Song Contest 2025 in Basel with the song sang partly in German called "Ich komme" and will be in Semi Final 2 Song Number 16 closing out the Semi Final 2. Radio International's JP, Marc and Alexander had the pleasure to meet and interview Erika at the Turquoise Carpet of the Madrid PreParty 2025 Erika has previously taken part in UMK with the song "Cicciolina" coming second in UMK 2020. Louane (France 2025) at Eurovision in Concert in Amsterdam Meet the Eurostars 2025 - Interview with Louane (France 2025): Following Slimane's amazing result in 2024 at the Eurovision Song Contest, in 2025 it will be Louane representing France in Basel with the song "Maman". France is part of the Big Five countries contributing the biggest amount of money to the Eurovision Song Contest Louane does not need to go through the Semi Finals. Radio International's Salman had the pleasure to meet Louane at Eurovision in Concert 2025 for an interview you can hear on the show this week. Emmy and Star Guy (Ireland 2025) at MelFstWknd 2025, Stockholm Meet the Eurostars 2025 - Interview with Emmy (Ireland 2025): At the recent edition of the Madrid PreParty 2025 over the Easter Weekend Radio International's JP, Marc and Alexander had the pleasure to meet once again Emmy and Star Guy (who actually is Emmy's brother) for extensive interview. Emmy, although being Norwegian, will be representing Ireland at the Eurovision Song Contest 2025 in Semi Final 2 Song Number 3. The song is called "Laika Party". Enjoy the interview on the show this week. Tautumeitas (Latvia 2025) at the Madrid PreParty 2025 Meet the Eurostars 2025 - Interview with Tautumeitas (Latvia 2025): The six lovely ladies from the Group Tautumeitas will be representing Lativa at the Eurovision Song Contest 2025 in Semi Final 2 Song Number 4 which is called "Bur man laimi". The Radio International Madrid Team had the pleasure to meet and interview the ladies at the Madrid PreParty which will be shared on the show this week. Get to know Tautumeitas. Katarsis (Lithuania 2025) at the Madrid PreParty 2025 Meet the Eurostars 2025 - Interview with Katarsis (Lithuania 2025): Neighbouring to Latvia is Lithuania and Katarsis are four young musicians winning the Lithuanian National Final and representing their country at the Eurovision Song Contest 2025 in Semi Final 2 Song Number 8 entitled "Tavo Akys". Radio International met the young musicians at the recent edition of the Madrid PreParty 2025 to get to know Katarsis. Songwriters Julien Salvia and Ludovic-Alexandre Vidal (Luxembourg 2025) with JP at Eurovision in Concert in Amsterdam Meet the Eurostars 2025 - Interview with Songwriters Julien Salvia and Ludovic-Alexandre Vidal (Luxembourg 2025): Luxembourg's second entry after returning for a long absence to the Eurovision Song Contest is performed by Laura Thorn in Semi Final 2 Song Number 13. The song is called "La poupée monte le son" written by two songwriters from France, Julien Salvia and Ludovic-Alexandre Vidal. Radio International already broadcast the interview with Laura previosuly, however, did not yet broadcast the interview with the creators of Luxembourg's entry 2025. Enjoy the interview and find out more about the creation of "La poupée monte le son". Nina Žižić (Montenegro 2025) with Salman Meet the Eurostars 2025 - Interview with Nina Žižić (Montenegro 2025): Already in 2013 Nina Žižić represented Montenegro at the Eurovision Song Contest in Malmö as part of Who See performing the song "Igranka" being ahead of their time. Sadly the song only ended up at Number 12 in the first Semi Final . This time Nina is back after coming second in the Montenegri National Final 2024 as the winner declined to represent Montenegro at Eurovision 2025. Nina's entry is called "Dobrodošli" and will be in Semi Final 2 Song Number 2. Radio Inetrnational's rowing reporter Salman had the pleasure to meet and interview Nina at MancHagen Eurovision Event 2025. Enjoy the interview with Nina on the show this week. Princ (Serbia 2025) at the Madrid PreParty 2025 Meet the Eurostars 2025 - Interview with Princ (Serbia 2025): Representing Serbia at the Eurovision Song Contest 2025 is Royalty from from Serbia: Princ who'll perform the nice power ballad called "Mila" in Semi Final 2 Song Number 15. Radio International's JP and Alexander had the pleasure to meet and interview Princ at the Madrid PreParty 2025. You can hear the interview on the show this week. Zoe Me (Switzerland 2025) with JP at the Madrid PreParty 2025 Meet the Eurostars 2025 - Interview with Zoe Me (Switzerland 2025): The Eurovision Song Contest 2025 Host Nation entry is performed by Zoe Me who actually is from Basel, the Home of the Eurovision Song Contest 2025. The song is called "Voyage" and is directly qualified for the Grand Final of the contest on Saturday, 17 May 2025 at Number 19 due to Nemo's Victory in 2024. The Radio International Madrid Team had the pleasure and honour to meet Zoe Me at the Madrid PreParty for an interview about her career and how ready is Basel for Eurovision 2025? Enjoy this interview on the show this week. Remember Monday (United Kingdom 2025) at Eurovision in Concert in Amsterdam Meet the Eurostars 2025 - Interview with Remember Monday (United Kingdom 2025): Last but not least on the list of Eurovision 2025 particpants are the lovely harmonies of three lovely ladies from the United Kingdom. The trio is called Remember Monday and they will be representing the United Kingdom at the Eurovision Song Contest 2025 in the Grand Final directly qualified as being part of the Big 5 countries (France, Germany, Italy, Spain and the United Kingdom). The song in the running is called "What the hell just happened" and Radio International's JP had the big pleasure to meet the singers at Eurovision in Concert in Amsterdam earlier on in April 2025. Enjoy the bubbly characters of Remember Monday (Lauren Byrne, Holly-Ann Hull and Charlotte Steele). Also JP will be joined by David Mann for the Eurovision Birthday File and Eurovision Coverspot. Javier will be updating us on the upcoming Eurovision events in the Eurovision Calendar. For full details of this week's Show Content and Play List - click here
Si no sabes nada del Buró de Crédito, este episodio es para ti. Wolfgang Erhardt explica de forma clara y sencilla por dónde comenzar.
Ahead of their performance at Eurovision 2025 in Basel, Rory was able to have a chat with Tautumeitas. They are representing Latvia at the Contest with their entry “Bur man laimi”. Together, Rory and Tautumeitas chat about their rehearsals and how they felt stepping onto the Eurovision stage. They also touch on bringing Latvian folklore […] The post TEP Interviews: Tautumeitas (Latvia 2025) in Basel appeared first on That Eurovision Site.
Le protagoniste di questo episodio di "Pillole di Eurovision" sono le Tautumeitas, in gara per la Lettonia all'Eurovision Song Contest 2025 con il brano "Bur man laimi".Iscriviti alla nostra lega del Fantaeurovision "Pillole di Basilea" a questo link: https://fantaeurovision.com/league?id=68128769afcb6b66615cc4f5Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/pillole-di--4800610/support.
Vztahy, láska a sex ve Večerníčku. Všechno jsme tam našly. Naše feministická analýza nám pomohla rozklíčovat spousty genderových stereotypů i podvratného potenciálu, například několik příkladů tranzice či gay vztahů a spousty penisů.Na čem jsme to vlastně vyrostli*y? Kdo je nejhorší postava, a která má naopak největší rizz? Jaký večerníček má matriarchální tendence, a kde spatřujeme feministické archetypy? Všechno zjistíš, když si pustíš. Dejte si kakao jako malá Terézia a užijte si tuhle lehkou epizodu.
Los créditos ya pagados pueden seguir siendo un problema y seguir apareciendo como vigente en el Buró de Crédito. Aquí te decimos qué es VERDAD y qué es un MITO sobre: Después de que termines de pagar un crédito, es posible que tu historial no se actualice como esperabas y el adeudo siga apareciendo como vigente en tu reporte del Buró de Crédito. También puede haber errores de captura, como montos mal registrados, pagos no vinculados correctamente o cuentas con quitas, que te causen este problema. Si estás en esta situación, debes esperar seis meses a que se haga la actualización. Lo primero que debes hacer para enfrentar este problema es solicitar al acreedor una carta finiquito o carta de no adeudo. Para consultar tu Reporte de Crédito Especial, debes ir a las oficinas del Buró de Crédito. Si la deuda aparece en este reporte, debes hacer el reclamo formal, entrando nuevamente a la página del Buró de Crédito y accediendo al Sistema de Reclamaciones. Si la entidad financiera con la que pediste el préstamo no hace la actualización e insiste en que sigues debiendo, el siguiente paso es acudir a la Condusef y hacer una reclamación en línea en su página: condusef.gob.mx. Lee la nota completa en Expansión.
Verejnoprávne médium čaká kľúčová voľba. Na čelo STVR sa bude vyberať nová tvár, do súťaže sa už prihlásilo päť kandidátov. Akú podobu vtlačí nový riaditeľ či riaditeľka verejnoprávnemu médiu ešte nie je jasné, kandidáti predložia projekty.A hoci je medzi nimi aj súčasný – poverený riaditeľ, v zozname sa objavila aj dcéra Fedora Flašíka či zabávač s estrádnymi hitmi Martin Jakubec.Na mená a perspektívu STVR, ktorú vždy chceli politici ovládať, sa pozrieme s bývalým predsedom Rady STV aj RTVS, exposlancom Miroslavom Kollárom, hosťom podcastu Dobré ráno s Janou Krescanko Dibákovou.Zdroje zvukov: STVR, Youtube/Martin JakubecOdporúčanie:Moje dnešné odporúčanie sa týka spomienky na udalosť, ktorú si každý rok – tak ako v utorok -pripomíname pri kríži v Karlovej Vsi. Vraždu Roberta Remiáša tentoraz prekrývajú iné udalosti a tí, ktorí sa v čase jeho vraždy narodili, dnes majú 29 rokov. Na Remiáša, tak ako na Kuciaka, nesmieme zabúdať, sú mementom zneužívania moci a bezpečnostných zložiek. Bude skvelé, keď si nájdete čas na článok kolegu Matúša Burčíka o vtedajších udalostiach, na náš rozhovor v Aréne alebo napríklad na knihu Ľuby Lesnej Únos demokracie. Lebo zabudnúť znamená opakovať.–Všetky podcasty denníka SME nájdete na sme.sk/podcasty–Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
En esta entrevista, Wolfgang Varela , Vocero Nacional de Buró de Crédito, nos explica ¿qué es el buró de crédito?.
Co robili Kowalscy, a konkretnie Cowalscy w Kraju Przylądkowym? Co wspólnego ma Haiti z Kapsztadem i jak wyglądała synkretyczna religia polskiego proroka Stefanosa? No i wreszcie: czy Burowie to naprawdę gburowie? Zabieramy Was do Afryki Południowej. Opowiemy o Polakach, którzy z Gdańska, Królewca i Kurlandii trafili do Kapsztadu – jako pionierzy, osadnicy, awanturnicy. Pokażemy, jak z udziałem naszych przodków powstawała kolonia niderlandzka i jak w jej tyglu wykuwał się nowy język – afrikaans – oraz naród Burów. No i najważniejsze! Czy to prawda, że to Polacy założyli RPA?
Exposed! The "forbidden" real estate strategy that the real estate industry (like realtors, bankers, and gurus) don't want you to discover! Why? Because they teach you how to drain thousands out of your bank accounts, or credit cards for down payment payments and or courses maybe even coaching to make money in real in real estate. And none of that crap shows you how to get a 5-figure paycheck within the next 30-days with only a few hours work and less than $100, without debt or payments looming over you or your credit. In fact, this simple risk free strategy is a not a s omeday down the road after days, weeks, months, or even years of study. In the next 60-minutes we are going to give you the complete blueprint right here. Just by you listening to this episode. Including: "leads, deals, and cash" in a step-by-step manner. Bur my fair warning is… Once you see how simple this is, you'll never look at real estate, and how to make money the same way again! This is a battle tested process that has made many before you a boatload of money, so don't miss it…
Šokovalo ho, ako sa nikto nezastal riaditeľky Agentúry štátom podporovaného bývania, keď denník SME informoval, že bola v minulosti právoplatne potrestaná súdom. Premiér Robert Fico odbíjal realitné podvody jeho nominantky Evy Lisovej, za ktoré bola právoplatne odsúdená tým, že upozorňoval na zahladenie jej trestov. "Musíme na ňu hľadieť ako na nevinnú a bezúhonnú,“ zdôrazňoval premiér.Téma je preňho citlivá, keďže v posledných týždňoch si tému nájomného bývania sám osvojil podobne, ako v minulosti strana Sme rodina Borisa Kollára. Žiadna z doterajších koalícií sa pritom neobklopila v takom množstve ľuďmi, ktorí čelili alebo čelia trestnému stíhaniu, sú alebo boli obžalovaní alebo si už aj vypočuli odsudzujúci rozsudok.O tom, ako je možné, že bývalá realitná podvodníčka Lisová riadi štátnu realitnú agentúru, akých podvodov sa v minulosti dopustila a čo sa deje s podvodne získaným majetkom dnes, sa Michal Katuška v podcaste Dobré ráno rozprával s reportérom denníka SME Matúšom Burčíkom, ktorý na prípad upozornil.OdporúčanieA si chcete oddýchnuť od pesimistickej reality a vidieť, ako sa dá zachraňovať svet vo fiktívnom svete, v dnešnom odporúčaní vás nabádam na sledovanie už tretej série fantasy ságy Wheel of Time s úžasnou Rosamund Pike v hlavnej úlohe.–Všetky podcasty denníka SME nájdete na sme.sk/podcasty–Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
Before taking to the stage at the London Eurovision Party, Georgia spoke with Tautumeitas for an interview. Tautumeitas are representing Latvia at Eurovision 2025 with their entry “Bur man laimi”. Together, Georgia and Tautumeitas spoke about their Eurovision journey so far, life after winning Supernova and the joy they have for Eurovision fans. They also […] The post TEP Interviews: Tautumeitas (Latvia 2025) at London Eurovision Party 2025 appeared first on That Eurovision Site.
Nedodržiavanie pravidiel, protesty bez rúšok, covidové pokuty. To všetko sa aj podľa plánov z chaty v Čifároch stáva minulosťou. Na svete je covidová amnestia. 65 000 priestupkov vezme štát na milosť a vráti hriešnikom peniaze – teda viac ako tri milióny eur aj od tých zodpovedných spoluobčanov.V podcaste Dobré ráno sa Jana Krescanko Dibáková rozpráva s redaktorom Jánom Krempaským aj o tom, či učíme Slovákov, že za porušenie pravidiel sa trest odpúšťa a kde sa nám to všetkým môže vypomstiť.Zdroj zvukov: NRSR, Markíza, Plus 1 deň, Pravda, Facebook/Úrad vlády SR, YouTube/SMER SD, TA3OdporúčanieDnes mám pre vás odporúčanie niečo si prečítať a povedať o tom priateľom. Konkrétne ide o články mojich kolegov Petra Kováča a Matúša Burčíka. Peter napísal dôležitý text s názvom Čo sa nezmestilo na tlačovku Smeru o čurillovskej krvi a Matúš materiál s titulkom Projekt nájomných bytov riadi odsúdená nominantka Smeru. Záznam o treste jej vymazali. A prečo sú texty dôležité? Lebo si nevolíme len predsedov strán, ale aj ľudí okolo nich.–Všetky podcasty denníka SME nájdete na sme.sk/podcasty–Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
Kripto Odası (2 Nisan 2025) - Burçak Karakaya by Kafa Radyo
We react to the Semi-Final 2 running order for Eurovision 2025. Producers have Australia's Go-Jo opening the show and Finland's Erika Vikman closing it. We ask why Montenegro is in the death slot (second position); suggest that producers wanted to spread out the riskqué sexy acts (Australia, Malta, and Finland), ; and suggest Israel benefits hugely from performing between Luxembourg and Germany. Watch our reaction on YouTube: https://youtu.be/ANSBdl6845s?si=6cB2DOO1GBECXB6L 1.
➨ Iscrivetevi al nostro canale Telegram: https://t.me/spazio_70Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/spazio-70--4704678/support.Milano, Università Statale, marzo 2008. Presentazione del libro Bombe a inchiostro (Aldo Giannuli, BUR, 2008). Assieme all'autore, sono intervenuti Carlo Lucarelli, Piero Scaramucci e Francesco Gironda (portavoce dell'Associazione italiana volontari Stay Behind). Introduzione a cura di Martino Iniziato (Laboratorio Lapsus).Tra gli argomenti trattati durante la presentazione: 1) Sul ruolo (antico) della controinformazione; 2) «Adesso è molto difficile suscitare scandalo»; 3) Sul libro «La strage di Stato»; 4) La controinformazione come «fenomeno tipicamente italiano»; 5) Sul ruolo «attivo della controinformazione nel difendere la democrazia» italiana; 6) «Una notizia diventa una informazione quando è verificata»; 7) Genova; 8) Il caso Aldrovandi; 9) «Le Br? In quel caso la controinformazione diede poco e niente».Si ringrazia il Laboratorio Lapsus per la condivisione del reperto.
Easy Turkish: Learn Turkish with everyday conversations | Günlük sohbetlerle Türkçe öğrenin
Bu bölümde burçlara inanıp inanmadığımızı, en sevdiğimiz ve en kaçtığımız burçları konuştuk! Bir Akrep ve bir Oğlak olarak kendi burçlarımızı masaya yatırırken, astrolojiye dair eğlenceli stereotipleri de tartıştık. Sizce burçlar gerçekten karakterimizi yansıtıyor mu, yoksa hepsi tesadüf mü?
Stāsta gleznotājs, Latvijas Mākslas akadēmijas profesors Aleksejs Naumovs Viena versija ir, ka zvejniekiem, krāsojot laivas, palika pāri krāsa. Krāsas laivām bija dažādas, un zvejnieki ar pāri palikušo krāsu nokrāsojuši mājas apakšējo daļu. Otrs stāsts, ko man stāstījuši vietējie iedzīvotāji, zvejnieki, ir, ka zvejniekiem, ejot jūrā miglaina laikā, bija svarīgi atrast savu māju, un spilgtās krāsas labāk palīdzēja orientēties. Ir arī vēl trešā versija, visjautrākā. Ejot jūrā, zvejniekiem uz rokas tika uzkrāsota tāda krāsa, kādā krāsota viņa māja. Atgriežoties krastā un pēc krodziņa apmeklējuma dodoties mājās mazliet jautrākā omā, viņiem kāds vietējais varēja viegli palīdzēt ātrāk nokļūt līdz mājām... Droši vien arī katrai mājai ir savs stāsts, un zināms, ka īpašnieks nedrīkst pārkrāsot māju citā krāsā, tāpēc arī blakus nav divu dzeltenu vai divu sarkanu māju. Domāju, ka krāsas ir iedvesmojušas arī 18. gadsimta komponistu Baldasari Galupi, kurš piedzima Burāno un jaunību pavadīja šajā košo krāsu vidē. Burāno ir zvejnieku sala, kurā dzīvo arī daudz kaķu. Man ir pazīstami mākslinieki, kuri agri no rīta izbrauc jūrā, noķer zivtiņas un savs kumoss tiek arī kaķiem. Šķiet, ka arī kaķiem šī sala patīk, un viņi labprāt to gribētu padarīt par savu - pašu krāsaināko salu pasaulē! Arī vietēji iedzīvotāji ir ļoti lepni par Burāno, un dažkārt ieaicina arī savās mājās, kur var redzēt, ka arī iekšpusē sienas ir tādā pašā krāsā kā ārpusē... Man ļoti patīk gleznot Burāno: kad braucu uz Venēciju, vienmēr apmetos šajā salā, kas tik ļoti iedvesmo...
Our reaction to Latvia's Eurovision 2025 group Tautumeitas with the song "Bur man laimi." We filmed this two days after they won Supernova 2025 — Latvia's super competitive national final for Eurovision. Can they advance from the semi-final with their ethereal, Latvian-language song? We review their chances. 00:01 Introduction 00:45 Reaction 03:44 Analysis and Prediction 04:23 Bur man laimi lyrics 12:48 Reader comments Featuring: William: http://instagram.com/williamleeadams Deban: http://instagram.com/deban_deban
All Star Weekend for the NBA came... and went. Did anyone watch? Bur hwy, Matt McClung is now the three-time defending Slam Dunk Champion! How exciting! But for real, it's gonna be another fun day on the Daily Blender!
All Star Weekend for the NBA came... and went. Did anyone watch? Bur hwy, Matt McClung is now the three-time defending Slam Dunk Champion! How exciting! But for real, it's gonna be another fun day on the Daily Blender!
All Star Weekend for the NBA came... and went. Did anyone watch? Bur hwy, Matt McClung is now the three-time defending Slam Dunk Champion! How exciting! But for real, it's gonna be another fun day on the Daily Blender!
It's the biggest weekend of Eurovision 2025 so far with Ireland, Ukraine, Finland, Latvia, and Malta making picks while several other countries' processes continued. Do-re-mi-fa-serving exhausted, but we shall persevere! ('Singing') Summary Mid-week drops: Azerbaijan's Mamagama and Czechia's "Kiss Kiss Goodbye" (2:25) Ireland accepts invitation to Emmy's "Laika Party" (6:15) Erika Vikman wins Finland's UMK with "Ich Komme" (15:43) Ziferblat's "Bird of Pray" will represent Ukraine (21:44) Latvia's Supernova names "Bur man laimi" by Tautumeitas (25:47) Malta will be serving "KANT" by Miriana Conte (27:58) Denmark's DMGP and Armenia's Depi Evratesil announce contestants (34:42) Qualifying starts in Iceland, continues in Sweden and Lithuania (36:36) Coming up: Italy's Sanremo, Poland, Germany, Estonia, and the biggest weekend of 2025 (47:17) Subscribe The EuroWhat? Podcast is available wherever you get your podcasts. Find your podcast app to subscribe here (https://www.eurowhat.com/subscribe). Comments, questions, and episode topic suggestions are always welcome. You can shoot us an email (mailto:eurowhatpodcast@gmail.com) or reach out on Bluesky @eurowhat.bsky.social (https://bsky.app/profile/eurowhat.bsky.social). Basel 2025 Keep up with Eurovision selection season on our Basel 2025 page (https://www.eurowhat.com/2025-basel)! We have a calendar with links to livestreams, details about entries as their selected, plus our Spotify playlists with every song we can find that is trying to get the Eurovision stage. Join the EuroWhat AV Club! If you would like to help financially support the show, we are hosting the EuroWhat AV Club over on Patreon! We have a slew of bonus episodes with deep dives on Eurovision-adjacent topics.
I denne episoden av podcasten har vi vært så heldige å få med oss en av Norges råeste komikere – Ørjan Burøe! Siden 90-tallet har han reist rundt i landet og holdt standup-show for fullsatte saler. Han var også en kjent TV-personlighet, helt til livet hans ble snudd på hodet. Vi snakker om #Metoo-bevegelsen, som førte til at Ørjan ble kansellert fra TV og fikk store utfordringer i karrieren som komiker. Samlivsbrudd og mental helse er også viktige temaer vi tar opp i denne episoden. Støtt Mannegruppa Podcasten ved å bli Patreon på https://patreon.com/mannegruppaottar Sjekk også ut vår hovedsponsor https://game-on.no hvor lyttere får 15% avslag ved å bruke kodeord ottar15
El Buró de Crédito es un tema rodeado de mitos, pero la realidad es que se trata de una herramienta clave para que las instituciones financieras evalúen el riesgo de otorgar créditos. En entrevista para MVS Noticias con Luis Cárdenas, Wolfgang Erhardt Varela, vocero nacional del Buró de Crédito, aclaró varios puntos importantes sobre este sistema y desmintiendo creencias erróneas.See omnystudio.com/listener for privacy information.
ADVENTUR turizmo parodoje vėtrungės jau išdalytos, prasideda geras laikas keliauti po Lietuvą. Turizmo informacijos centrai, dvaro sodybos, muziejai, o ir pavieniai turizmo puoselėtojai kviečia į žygius, piligrimines keliones, edukacijas, įvairius renginius, ekskursijas ir etc.Kelionių atradimų ambasadoriumi tapęs Merkinės fabrikas yra ne tik gastronominių patirčių vietą, bet ir kultūrinių atradimų. Mintimis dalijasi Vytaras ir Laisvė Radzevičiai bei Merkinės krašto muziejaus direktorius Žygimantas Buržinskas.Neseniai po renovacijos duris atvėrusią Biržuvėnų dvaro sodybą jau spėjo pamėgti vietos turistai. Žemaitijos turizmo informacijos centras įkurdino Meno ir edukacijų centrą su dvaro valdytojų Gorskių ekspozicija, naujas erdves atvėrė edukacijoms, pasiūlė poilsį piligrimams, parodas, muzikinius vakarus, teatralizuotas ekskursijas, degustacijas. Žemaitijos turizmo centro direktorius Egidijus Vaškelevičius, Biržuvėnų dvaro sodybos administratorė Ingrida Šilgalytė ir Žemaičių muziejaus „Alka“ parodų ir ekspozicijų kuratorė Monika Sudintaitė.Šakiai – poniškų dvarų kraštas, laukia lankytojų. Šakių turizmo ir verslo informacijos centro direktorė Daiva Paliukaitienė.Kuo šį sezoną pradžiugins šiaurės rytų Lietuva? Naujienas pristato Kupiškio turizmo ir verslo informacijos centro direktorė Lidija Vasiliauskienė, Palėvenės bendruomenės pirmininkė Laimutė Juknevičienė, Antašavos klebonijos administratorės Vilma Talačkienė ir Asta Čemerienė bei Antašavos miestelio bendruomenės pirmininkė Neringa Čemerienė.Aušra Gudgalienė, Rokiškio krašto muziejaus direktorė ir Ingrida Kujelė, Rokiškio turizmo informacijos centro turizmo vadybininkė džiaugiasi naujais sumanymais.Vinetu kaime – gyvosios indėnų istorijos muziejuje po atviru dangumi, puoselėjamos Šiaurės Amerikos indėnų tradicijos. Netikėtą sumanymą netoli Klaipėdos įgyvendino Mindaugo Timinskio šeima. Apie aistrą indėnų kultūrai mintimis dalijasi Mindaugas ir sūnus Deividas.Ved. Jolanta Jurkūnienė
Karla y René hablan sobre la compra del Buró de Crédito, Hospitales MAC, repercusiones en los empleos después de los incendios de California y Oura. En el deep dive, platican sobre sus predicciones para el 2025.notas del episodio:02:22 - la compra del Buró de Crédito06:27 - Hospitales MAC08:30 - repercusiones en los empleos después de los incendios de California10:43 - Oura13:38 - deep diverecomendación:MexMovesPrueba Whitepaper 30 días gratis
Si todavía le tienes miedo al Buró de crédito y crees que es una lista negra que debes evitar a toda costa, tienes que escuchar este episodio ahora mismo. Luz Elena Marcos, reportera de Economía, Gonzalo Soto, director editorial en Expansión, y José Antonio Murillo, director general de RappiCard México, te cuentan qué es el buró de crédito, cómo mide el comportamiento de las personas y por qué es importante cuidar la calificación que te da. Además, explican la forma en que puedes mejorar tu score crediticio y usar el Buró de crédito a tu favor. Escucha un episodio nuevo cada lunes en todas las plataformas. Learn more about your ad choices. Visit megaphone.fm/adchoices
Luego de lograr un acuerdo con autoridades estadounidenses, Dámaso López Serrano "El Mini Lic",rompió su "criterio de oportunidad" y, según un expediente del Buró Federal de Investigaciones, tejióuna red de tráfico de fentanilo desde su hogar en Virginia, Washington; los periodistas José LuisMontenegro y Jesús Lemus revelan qué hay detrás de esta supuesta reaprehensión.See omnystudio.com/listener for privacy information.
Podporte podcast Dobré ráno v aplikácii Toldo na sme.sk/extradobrerano. Vojna v slovenskej polícii - alebo tak sme to aspoň nazývali - vstupuje zrejme do svojej poslednej časti. Včera totiž bratislavská prokuratúra povedala, že súhlasí s väzbou pre bývalých operatívcov NAKA Branislava Dunčka a Róberta Magulu. Vraj by na slobode mohli ovplyvňovať svedkov. Kto sú, ako sú na tom takzvaní čurillovci dnes a vlastne o čo v celom tomto prípade ide? Tomáš Prokopčák sa v podcaste Dobré ráno pýta Matúša Burčíka. Zdroj zvukov: TA3, TASR, TV Markíza Odporúčanie Ak tiež milujete hry a videohry a ak sa ich desaťročia podobne ako ja hrávate, môj dnešný tip je pre vás: odporúčam totiž knihu Život v počítačových hrách od Sida Meiera. Spomína v nej na vývoj tých najväčších klasík, od Civilizácie po prvé simulátory. A je to zaujímavá cesta dejinami počítačových hier. – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
GODDAMMIT RYAN REYNOLDS. WHAT DO YOU WANT? CUT TO: [Cofee is being made.] Oops, I Did It Again - Britney Spears [There are no pants involved.] …this is it, isn't it? What. Season 10 This is the movie before season 10 [Cofee is being enjoyed.] I want to go on high concept adventures through space and time. [There are still no pants involved.] What are you, Ryan Reynolds? A TV host? (sipping coffee) Let's just say I put in my time. —and until the seething, burning hate in your eyes returns, this conversation is over. It never left! So that's what strike force 5 does. ⚡️ Well then, this conversation is still over—because I have better shit to do. [Strike Force 4.5] Getting awesome parts in awesome movies for our friends—yes. Strike force 5–no. What do you mean ‘no' We kicked Jimmy out. Which Jimmy? Shouldn't matter. You know which. Shouldn't matter—okay— just— do the bit. What. The BIT, Ugh, alright. We meet again. Multiple actual actors are stuck in the actual world of Sesame Street, which— Admittedly, this is okay. —seems awesome at first, but after awhile… Ok. This [censored] gets deep. Not that bit! The other bit. I can't do that bit right now. What the fuck? Why not? Because, I'm not wearing pants. Did it work. FUCK YOU RYAN REYNOLDS, GODDAMMIT. So, we meet again. GET OUT. If I was a horse, I'd kick you in the face. Shit, if you were a horse, I'd kick you. And I love fucking horses. You love fucking horses?! You know what? I still might. Get over behind me and a little lower to the ground. You don't want that. No, you dont want that; I'm still holding in a fart. For four seasons? Meet me at the four seasons. For what? Because, global warming is a bitch and I want to take ironic memory photos for momentos. WHAT THE FUCK ARE YOU DOING HERE? Same thing you are. (Sips coffee) You smell like baggage and unpaid debt. The Cosmic Avenger takes off his wedding band to prepare to fight; He places it on the table, and it begins to glow and float, growing as it begins to levitate and gravitate towards his opponent, [a mysterious multidimensional alien], who stands undefeated. The ring swells to the size of a large golden halo, sitting itself atop the head of his opponent, and though momentarily caught in the midsts of being in awe, the halo drops over his opponents head and onto their shoulders, tightening into a collar around their neck—beams of light attach to the collar like chained leashes and seven dieties drag his opponent away. The Cosmic Avenger stands in confusion, before asking, …what does that mean? A DRAW! (We'll see.) Ultralight beam>< oops I did it again. But play the video, right? That, and the Rick Roll. (Courtesy of Jesus Christ The Savior, Inc.) SUNNI BLU MorGIE. What! GODDAMMIT SUNNÏ WHAT! This memo says I'm starting opposite Ryan Reynolds in an upcoming action and adventure flick. Yes, that's correct. No, it isn't, Majilla!!! Why isn't it, Sunni? I can't star opposite Ryan Reynolds. Well, why not? CAUSE I'M GAY. Lil bitz So I was listening to Kanye Weat* Yes. I was listening to Kanye West, and he's talking about cheating on Kim, Like, out loud— And I get dumb curious, so I ask Google Google, why are dudes so obsessed with models— I typed that in and hit search, and the whole thing just freezes. Even Google doesn't have a fucking answer for the intrinsic stupidity that is the hardwiring of the modern man. You ever look at like Greek sculptures, or Roman Arcitecture and realize the women aren't fucking twigs? They're not sticks! They're like muscular, and thick, and mad healthy looking. And that's weird to me. That at one point men were wired to be attracted to healthy looking women— But now the ideal for perfection is like 110 lbs and if you're anywhere between 5'1 and 5'11 that's ideal. That's nuts to me. So you're just trying to like, put your dick through the bitch!? Yes. I can actually see my 5 inch penis on the other side of this woman as I penetrate her. Good job, guys. Meet me at Equinox; The Hudson Yards Location- 7:05 Sharp. Alright. EQUINOX FITNESS. HUDSON YARDS. NEW YORK CITY. DAY Not this side, that side. What do you mean. This is the fitness section. You said Equinox… We're going to the hotel. SUNNI BLU You ever been to pound town? Weather's great right now. I ain't going outside now, I got a new strike force, Four door, 5 clowns. Ohhhhhhhh. Shout out to Jimmy O! Don't shout out to Jimmy, no He back to back too many hooooeeess— You know I'm talkin bout his show Go stream Tonight though. No thanks. Ben and Jerry's tonight doe. AHEM. Gazuntite. Listen— Ryan Reynolds is the devil. I knew it. You knew that already? Yeah. Great, so is he through with Jimmy Fallon then? Uh, I guess. That's great, I gotta go rehearse these lines. Okay? Oh and Jimmy. Yes. Find some pants. MEANWHILE. DAVID LETTERMAN MWAHAHAHAHAHAHAHA HUAHAHAHAHAHAHAHHA! That's more like it. Okay, but following up on before. THE COMIC AGENGER does not need an evil laugh. Hey, Jimmy. Mwahaha.. Damn. Okay. Look, I just found out that dude's evil laugh is actually just…his regular laugh. How do you mean? Have you ever heard Jimmy Fallon laugh? Play the clip. [JIMMY FALLON's actual laugh is terryfying and meniacal. ] You're a menace. You lost me. Whatever dog, I'll have all of you I'll ever need with AI. CUT TO: [Squirts soy sauce into Jimmy Fallon's squinty ass eyes.] AGGGHHHH. MY EYES. Quit friggin squinting. I'm not squinting! These are just my eyes! I hope you die. So. You're officially a literary genius. What are you going to do with that? I don't know? Die? Hahaha, she's Jewish! The entirety of the world of LEGENDS and enter the multiverse becomes a backdrop for Jimmy Kimmel's Latest Late Late Show Is that what it's called? I don't…give a fuck. He acts throughout the season as a literal comic relief, almost always only arriving as disaster and despair have stricken, and at the absolutely worst possible moment— AGH—MY EYES! Your squinty eyes. *also squints* AH WHAT THE [CENSORED] WHY ARE YOU STILL CENSORED?! Didn't they fire you from NBC? I'M CENSORED IN ANYTHING THAT MIGHT BE LATER SYNDICATED— [FUCK] (but censored) Is that what you're squinting at?! ITS IN MY CONTRACT, I AM NOT SQUINTING THESE ARE MY ACTUAL EYES. Fuck you, Jimmy. If I thought you had balls, I'd kick you in them right now. [EXPLITIVE] YOUR FACE. What are you, Chinese? THIS IS VERY OFFENSIVE. Hush, Yao Ming. YOURE JUST MAKING IT WORSE. Do you want any soy sauce in your noodles? This is classic ritual torture. You hush, too Billie— I need you to coconut oil the cornbread. Cornbread with noodles?! I didn't hear any complaints when I went over today's menu earlier while you two were at karaoke, almost getting along just fine. CUT TO: FLASHBACK, EARLIER I'm making noodles with cornbread, any suggestions. PSYCHO KILLER! FAH-FAH-FAH-FAH-FAH-FAH You're off pitch. I HAVE PERFECT PITCH. FA-FA You're flat. Eat a dick. Ugh. Yo, G, what's for lunch? [standing in the doorway awkwardly with a spatula] Oh, I get it— G stands for Flashback within a flashback: Tha God. I'm not calling you that. Why not? That's what you've been calling me for decades— now that I'm in a person, it makes any difference? Yeah, that person. Something's different. You don't say. It's my eyes. Something's — different. Oh, it's nothing— just the very slightest more blue. Blue, did you say? RYAN REYNOLDS (As Archer) You'll mark the hour at which it begins, With this, A solemn sustained and prolonged note Which cherishes your argument, That all art must come undone, Foraged in truth, And bound by light With sanctity. CHORUS Here here! Greetings, dear Chorus, Or have you named your honored hut—? The gathering of all bound by the Gods Who are astounded at our haste making! CHORUS To tide! To tide and fare not my good; Fare not my brethren, come cut to fire; In aught to honor thy shallow grazing, And there, the art had sunk, Though weeping cottons in the Weat, For fortune, to arch, ire. For certain, and for gathered have you waiting— Crisp air and our attire, to call tonight, The very moon to whom the stars melt, Though pacing off and appearing as none but small like, Off in the thunderous wonders of us, Beyond earth, Another path which light, And art must honor. Hear you, And faring great to those requested our service, Bone marrow, and silk wi‘d blood Forsaken, as all have heard by now, Enchantments and forced sermons, And with wit does honor I, Gasping for staging, Present but here not yet, The after wish of heart, you I does followeth, Daring to know thy name, As Kingdom come, And yet, You are not— Still dark the womb of haven't made, And saying, ‘Are I not of my father and mother, Or neither?' To honor once at dusk, my own coming as one And at dawn, my own night in the wake in death of days, Sure to end for not I wake, as fair health does hold My farewells and yonder says, Oh how I, And are you— The game at hand. And now, our honor. SEAN EVANS (As Tallymaede) —Bur first, we feast. [The chorus cheers with great elation.] Who the fuck ordered Greek Theatre cold opens? Jesus Christ, party of 1. I don't know. ♀️ I was fasting. I meant— ahem— Party of three. LEGENDS {Enter The Multiverse} [The Festival Project.™] COPYRIGHT © THE FESTIVAL PROJECT 2024 ALL RIGHTS RESERVED. ©
Thankful for Our Win-Win Situation - 1 Thessalonians 5:16-18 Today's message is a simple one: make sure this week you keep the THANKS in Thanksgiving, and remember WHO to give thanks to: the very God who created you and died to redeem you. 1 Thessalonians 5:16-18 Notice how short these 3 verses are: verse 16 is just 2 words; verse 17 is just 3; verse 18 is just 17. All 3 are only 22 verses, (John 3:16 is 24). You could memorize these verses this week and quote them at Thanksgiving! Notice also that we are told it is God's WILL for believers to “rejoice always, pray without ceasing, and give thanks in all circumstances.” God WANTS, desires, and expects these things to characterize true believers. The secret things belong to the LORD our God, but the things that are revealed belong to us and to our children forever, that we may do all the words of this law. - Deuteronomy 29:29 Notice that God's word does not present 3 suggestions here, but 3 commands. Believers are commanded to “rejoice, pray and give thanks” no matter how they are feeling or what they are experiencing. How many times did Paul command believers to “rejoice?” At least 7 times! “Rejoice in the Lord always, again I say, rejoice!” - Philippians 4:4 Even if I am being poured out as a drink offering…I am glad and rejoice with you all. -Phil. 2:17 Now I rejoice in my sufferings for your sake, and in my flesh I am filling up what is lacking in Christ's afflictions for the sake of his body, that is, the church. - Col. 1:24 A non-Christian would not respond well to a command to rejoice and give thanks, especially if their circumstances we're bad. They would think you cruel for suggesting it. Do you know who else has a hard time with the commands to rejoice always, pray without ceasing, and give thanks in all circumstances? Those we may call “carnal Christians.” As for the one sown among thorns, this is the one who hears the word, but the cares of the world and the deceitfulness of riches and pleasures of life choke the word, and it proves unfruitful. - Combine of Mt. 13:22 & Lk. 8:14 The faithful and fruitful follower of Jesus Christ can be commanded to rejoice whether circumstances are going our way or not, because God has given us an eternal perspective about wins and losses in life. Bur rejoice insofar as you share Christ's sufferings, that you may also rejoice and be glad when His glory is revealed. - 1 Pet. 4:13 Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses understanding, will guard your hearts and your minds in Christ Jesus. - Phil. 4:6-7 (note how close to 4:4) Christians can always rejoice and give thanks because we pray to the God who is always in control. What do we mean when we say that God is in control? That God will have the final word in our lives, not circumstances. Genetics is important, but it can't overcome environment; Environment is important, but it can't overcome circumstances; Circumstances are important, but they can't overcome our choices; Our choices are important, but can't overcome God's choices. The LORD your God is in your midst, a Mighty One who will save; He will rejoice over you with gladness; He will quiet you with His love; He will exult over you with loud singing. - Zephaniah 3:17
E el podcast hablamos de los titulares de la edición 2639 del 1 al 7 de noviembre de 2024 del Semanario ZETA Sexenio Criminal: 200,078 ejecutados. De la Supremacía morenista al sacrificio de ministros. Burócratas no quieren reforma al Issstecali. Más detalles en la edición impresa del Semanario ZETA y en nuestro portal www.zetatijuana.com
*Podporte podcast Dobré ráno v aplikácii Toldo na sme.sk/extradobrerano. Od atentátu na premiéra ubehli mesiace, generálna prokuratúra uvalila na vyšetrovanie informačné embargo a Robert Fico, ktorý rozpráva o strašných veciach, si najnovšie u SIS objednal správu, ktorá má priniesť... no, nik nevie, čo vlastne. Čo sa teda dnes deje okolo atentátu na predsedu vlády? Tomáš Prokopčák sa v podcaste Dobré ráno pýta Matúša Burčíka. Zdroj zvukov: TASR, STVR, Facebook/Robert Fico Odporúčanie: Keďže sme sa v dnešnej epizóde skúšali vciťovať, také bude aj moje odporúčanie. Na Disney+ už pribudol animák V hlave 2 a ak hľadáte milý a vlastne aj celkom náučný večerný program pred telkou, skúste. – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing
Había una vez un niño nacido en México que desde muy pequeño se dio cuenta que la confianza es clave en el mundo. Es más… podríamos asegurar que este niño era muy chismoso y le gustaba saber Todo de TODOS…. Estudio la licenciatura en Ingeniería en Sistemas Electrónicos y una Maestría en Innovación y Desarrollo Empresarial del ITESM Campus Monterrey en México.Inicia su carrera profesional trabajando como consultor en Deloitte, para después pasar por empresas del sector tecnológico y Financiero. Desde hace cerca de 20 años ha sido un emprendedor en serie, lanzando y escalando múltiples empresas.Hans Villa es el CEO y cofundador de Nufi, el primer Buró de Identidad Alternativa en América Latina. Hans ha llevado a Nufi a alcanzar importantes hitos, incluyendo el reconocimiento como una de las 30 Promesas de los Negocios de Forbes México para 2024. Adicionalmente, ha llevado a la empresa a ser rentable desde diciembre de 2023, sirviendo a más de 230 clientes B2B, incluyendo bancos, fintechs, empresas de recursos humanos y firmas de proptech.Nufi ha participado en los principales programas de aceleración como Techstars en Denver y Google Accelerator en Miami. La compañía también ha tenido un impacto significativo en Shark Tank México, donde los cinco tiburones, incluyendo a Karla Berman, Bismarck Lepe, Alejandra Ríos, Marisa Lazo y Alexander Torrenegra, invirtieron en Nufi.Los tres puntos principales del episodio con Hans Villa:* Trayectoria profesional y empresarial: Desde sus inicios como consultor en Deloitte hasta convertirse en emprendedor en serie, lanzando varias startups tecnológicas. Hans también habló sobre el desarrollo de Nufi, un buró de identidad alternativa que ha alcanzado reconocimiento en América Latina.* Importancia de la confianza y los datos en el sector financiero: Nufi permite a las empresas confiar en sus clientes y socios mediante la recopilación y verificación de datos, asegurando cumplimiento regulatorio y seguridad en la gestión de identidad digital.* Experiencia en Shark Tank y crecimiento de Nufi: Hans compartió la experiencia de presentar Nufi en Shark Tank México, logrando que los cinco tiburones invirtieran, además de otros interesados fuera del programa. Habló sobre la importancia del apoyo de inversionistas y la visión de Nufi como un líder en identidad digital.Te invitamos a estar pendientes de nuestros canales y a suscribirte para que no te pierdes ningún episodio:* Blog / Newsletter: www.cuentoscorporativos.substack.com* Facebook: https://www.facebook.com/Cuentoscorporativos* Instagram: https://www.instagram.com/cuentos_corporativos/* X (Twitter): https://x.com/CuentosCorp* Email: adolfo@cuentoscorporativos.com#CuentosCorporativos #Emprendimiento #SharkTankMéxico #Nufi #Startups #BuróDeIdentidad #ConfianzaFinanciera #Inversión #Innovación #Fintech #IdentidadDigital #EmpresasLatinoamericanas #ÉxitoEmprendedor #Forbes30Promesas #TransformaciónDigital #DatosYConfianza #Techstars #GoogleAccelerator #NegociosExitosos This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cuentoscorporativos.substack.com
Sound of Europe Festival'ı direktörü Burçak Ada Kıral ve Hollanda Başkonsolosluğu'ndan kültür yöneticisi Recep Tuna ile değerlendiriyoruz. Avrupa Birliği Yaratıcı Avrupa Programı tarafından desteklenen Avrupa ağlarından EUNIC'in (Avrupa Birliği Ulusal Kültür Enstitüleri) İstanbul ve Ankara kümelerinin girişimi ve İzmir Büyükşehir Belediyesi, Kadıköy ile Çankaya Belediyeleri'nin katılımı ile hayata geçirilen festival, bu sene 14 ve 15 Eylül 2024'te İstanbul Kalamış Atatürk Parkı, Ankara Çankaya Belediyesi Ahlatlıbel Atatürk Parkı ve İzmir Bostanlı Seyir Terası'nda.
*Podporte podcast Dobré ráno v aplikácii Toldo na sme.sk/extradobrerano. To video sa stalo slávnym. Vtedajšieho ministra financií Jána Počiatka si tajne natočil generálny prokurátor Dobroslav Trnka, témou rozhovoru bola aj dohoda o riešení známej kauzy Tipos. SME teraz zistilo, že ešte predtým, ako NAKA rozpustil terajší policajný prezident, stihol vyšetrovateľ Počiatka obviniť... z porušovania povinností pri správe cudzieho majetku. Čo to znamená, o akú kauzu ide a čo je dnes s Počiatkom? Tomáš Prokopčák sa pýta redaktora domáceho spravodajstva denníka SME Matúša Burčíka. Zdroj zvukov: SME, TA3 Odporúčanie Včera som na tomto mieste odporúčal seriál, dnes teda siahnem po hudbe: mojím najnovším objavom je maďarský elektrofolkový projekt Deva. Ukrýva sa za ňou Dorina Takács a ak máte podobne ako ja radi zvláštnu kombináciu elektroniky a ľudovej hudby, odporúčam. – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing – Odoberajte mesačný podcastový newsletter nielen o novinkách SME na sme.sk/podcastovenovinky – Ďakujeme, že počúvate podcast Dobré ráno.
In this Roofing Road Trips® episode, Heidi J. Ellsworth chats with Josh Willey of United Asphalts to learn more about pivotal developments reshaping the demand for asphalt and why BUR is trending. Join us as Josh sheds light on the shifting dynamics following Valero's exit from the keg asphalt business that has expanded the markets in Gulf States. They will also discuss how new demand has been created in this corner of the industry through new insurance mandates for built-up roofs on government funded projects in at risk areas, along with the drive to protect the ever-increasing data centers being built spurred by the popularity of AI, and how the increasing demand for BUR translates into increasing opportunity for contractors. Learn more at RoofersCoffeeShop.com! Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up Follow Us! https://www.instagram.com/rooferscoffeeshop/?hl=en https://www.facebook.com/rooferscoffeeshop/ https://www.linkedin.com/company/rooferscoffeeshop-com https://www.tiktok.com/@rooferscoffeeshop https://www.pinterest.com/rcscom/ https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw https://twitter.com/RoofCoffeeShop #RoofersCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry #UnitedAsphaltsInc
*Podporte podcast Dobré ráno v aplikácii Toldo na sme.sk/extradobrerano. Neznáme detaily o únose prezidentovho syna, okolnosti vraždy Róberta Remiáša, vzťahy s politikmi od Ivana Lexu až po súčasného poradcu aktuálneho premiéra Roberta Fica. Z afrického Mali sa denníku SME opäť po nejakom čase ozval Ľuboš Kosík, ktorý už niekoľko rokov hovorí, že chce vypovedať o najvážnejších kauzách v histórii Slovenska. Kto je Kosík? Čo všetko vie? A prečo ho polícia dodnes nevypočula? Zuzana Kovačič Hanzelová sa v podcaste Dobré ráno rozprávala s redaktorom denníka SME Matúšom Burčíkom. Odporúčanie: Je to síce už staršia epizóda spred mesiaca, no Ezra Klein z New York Times nahral už na začiatku júla celý mimoriadne zaujímavý diel o viceprezidentke Kamale Harris. O tom či je podceňovaná, či je právom označovaná za slabú a aj o tom akú má vlastne proti Trumpovi šancu. – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifing – Odoberajte mesačný podcastový newsletter nielen o novinkách SME na sme.sk/podcastovenovinky – Ďakujeme, že počúvate podcast Dobré ráno.
You may have heard of a war movie from the 1940"s called, "God is My Co-Pilot". Bur if you think that God is just your co-pilot, perhaps you need to switch seats! God is the sovereign Lord of the universe and rules over every aspect of His creation. Have you submitted to His Lordship and sovereignty, and handed over the controls of your life to Him? Dr. Barnhouse reminds us that God is in control on Dr. Barnhouse and the Bible. To support this ministry financially, visit: https://www.oneplace.com/donate/791/29
You can get financially free twice as fast with the BRRRR Strategy instead of buy-and-hold. But it's less passive. BRRRR stands for: Buy, Rehabilitate, Rent, Refinance, and Repeat. You can get an infinite return this way, by generating yield with none of your own money left in the deal. Learn how to obtain BRRRR financing from Caeli Ridge, President of Ridge Lending Group. The LTVs are 70%, 75%, or 80% depending on the property and financing type. RidgeLendingGroup.com specializes in helping investors buy income property. Resources mentioned: For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Keith Weinhold (00:00:00) - Welcome to GRE. I'm your host, Keith Weinhold. The real estate BRRRR strategy is a shortcut to growing your wealth. But it's less passive than buy and hold with a property manager. Learn what is the Burr strategy and then about some of its pros and cons, mistakes you must avoid and financing programs available, and how it can generate infinite returns for you today and get rich. Education. Robert Syslo (00:00:28) - Since 2014, the powerful get Rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate, investing in the best markets without losing your time being a flipper or landlord. Show host Keith Reinhold writes for both Forbes and Rich Dad Advisors, and delivers a new show every week. Since 2014, there's been millions of listeners 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. Robert Syslo (00:01:02) - Phone apps build wealth on the go with the get Rich education podcast. Sign up now for the get Rich education podcast or visit get Rich education.com. Corey Coates (00:01:13) - 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 (00:01:30) - Welcome from Bridgeport, Connecticut, to Bridgeport, Texas, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get Rich education. Let's Do Good in the world and abolish the term slumlord profiting at the same time by providing housing to others. It's clean, safe, affordable and functional. This is where, you know, on this show, we often tell you how to become financially free through real estate investing in the next 5 to 10 years without having to be a landlord or flipper. We're going to talk about how to shorten that timeline in a moment, but I have a couple resources to share with you. First, one, late breaking development at GRI marketplace that's been popular is in Florida with new builds, brand new construction for plex's duplexes and single family rentals with points paid a 4.25% mortgage rate. Keith Weinhold (00:02:28) - Yes, 4.25%. You can pay fewer points and still get a 4.75% rate. Also, some good low interest rate deals for foreign nationals. Go ahead and connect with a great investment coach and learn about those at great marketplace.com. For a 4.25% mortgage rate. If you're a Spanish speaker or have Spanish speaking friends, check out get Rich education.com/espanol to see my free video course on how real estate pays five ways in Spanish. It's pretty interesting how our team here has applied AI to show me speak it in Spanish. Again, you can see that at get Rich education. Com slash espanol. Now the BR real estate investing strategy is popular because it can reduce your out-of-pocket expense for property substantially. Let's break it down here. That is the b are are are are. There are four hours after the B which stands for the first B is buy. You buy a distressed property that needs to be fixed up. Then the R's stand for rehab, then rent, then refinance at that higher value, then repeat. More of you have been buying BR property through GRE marketplace. Keith Weinhold (00:03:52) - Yes, we help you find not just buy and hold properties here, but properties optimized for the BR as well. There are properties that need some work and they are not turnkey, not ready to go with little or no money. In less than three years, you can have a portfolio of 10 to 20 properties with the BR strategy. That's a shortcut, but that does take some work. It's less passive. You're buying distressed property that needs to be fixed up, and you have to be sure that the contractor is getting the work done on time, on budget, and of adequate quality standards. And vetting contractors and dealing with contractors is not easy. I'm going to have a few tips to help you deal with that today, but if you get it dialed in, BR lets you pursue an infinite return strategy where you buy property at a low price, renovated, get it rented, and then refinance it at the higher value. And at times you can get all of your invested cash out on that refinance. Keith Weinhold (00:05:04) - Well, because a return on investment formula is simply your dollars returned divided by the cash that you have invested in the deal. Well, therefore, if you have no money left in the deal anymore, your return is infinite. Listen carefully. If our guest doesn't do it, then what I'll do is introduce an example here in our conversation for you to get you to help understand the BR. And if this is new to you, this will stretch your thinking somewhat. And then after our break, I'm going to come back and we'll discuss more about any changes to conventional loans for buy and hold investment property. And there's one place that's created more financial freedom through real estate than any other lender in the entire nation. It's time for a big welcome back to their leader, Charlie Rich. Caeli Ridge (00:06:02) - Hey, Keith. Thank you for having me. It's always a pleasure to be here. Keith Weinhold (00:06:05) - Well, you know who she is by now. She leads Ridge Lending Group. They're an investor centric lender, and she does such a good, concise job of explaining what real estate investors need to know in optimizing your loan positions. Keith Weinhold (00:06:18) - And that's why she's here with us again. And, Charlie, rather than just learn about conventional buy and hold loans or refinance loans like we've covered in the past, let's talk about lending for the BR real estate investing method. BR is a method for buying distressed property at a discount. So not turnkey, not fixed up property. Here in BR stands for buy, rehab, rent, refinance and repeat. Now for these loans. Is the lender looking more I guess Charlie maybe we should start with are they looking at the property strength or more at the borrower strength for BR loans? Caeli Ridge (00:06:54) - Well, first of all, I would say that BR is one of my favorite strategies for real estate investors, especially if they're getting into diversifying their portfolio. I think BR is a very lucrative way to achieve the returns that people are after, not only in appreciation but also in cash flow. You can get some really great leverage in these ROI and ends up being better if you find the right properties. So I'm a big fan of the BR, but to your question, Keith, it depends on what product they're going to elicit for the end loan, for that refinance loan, if we're talking about a conventional loan, Fannie, Freddie and the qualifications are still about the individual and their debt to income ratios, etc. if we're going to put this on a debt service coverage ratio, which it can apply to both, or can, I mean, the strategy does not obligate them to one or the other. Caeli Ridge (00:07:39) - So we can go conventional where it's still going to be about the individual. Or we can look at more of a debt service coverage ratio, where it's about the income of the property in relation to the mortgage payment. Keith Weinhold (00:07:48) - And before we go on, of course, identifying a deal is a key here in the BR strategy. Is there any guidance you'd give with identification of that property. Because you might know more from the lender perspective on what's going to be lendable. Caeli Ridge (00:08:03) - Well, as long as it's habitable, we can lend on it. I would say that you really want to pay close attention to a couple of things. From a lender's perspective, the ARV, right? The after rehab after repair value is the linchpin to all of this. And if you're out there getting your comps from whatever sources, the agent or Zillow or Redfin or whatever it is, the more data that you can gather, the better. But just keep in mind that the ones and zeros that you're probably gaining access to don't necessarily have the components that show all the rehab work that you're putting into it. Caeli Ridge (00:08:34) - So if you're getting a value of a property like kind property in the area or vicinity that the property is located, it's not always going to attest to what extras you put in, whether it be the hardwoods or square footage or whatever it may be. Just keep in mind that you may not be on point there, and real estate agents, I would want you to have or be working with one that really understands the BR method, aka investor models, to make sure that you don't get caught in a scenario where you're expecting a value of x that comes in at Y, that can be very devastating to the BR methodology, especially for new investors. Keith Weinhold (00:09:09) - It was more about coming up with the ARV because with a conventional loan on a conforming property, that value that you're lending against is typically the appraisal. Caeli Ridge (00:09:21) - Correct. And the appraisal is going to take into consideration those rehab pieces. But it's not dollar for dollar. And while I don't know that we want to go down the appraisal rabbit hole, I will tell you that if you've got $50,000 of rehab into the property, that doesn't necessarily mean you're going to get a full 50,000 in extra value. Caeli Ridge (00:09:38) - A lot of it has to do with what you paid for it. Like Keith, you said at the top of the podcast here, distressed property. A lot of times when people are getting into BR, they're finding under market value property to begin with, that's already worth more. They're putting in some real value adds, maybe cosmetic, maybe a little bit more, and then expecting quite a bit more in value. So there's definitely a science to it. But just make sure that for all intents and purposes, you're gathering as much data as you can. And the agent, if you're using a real estate agent to help with MLS listings, etc., that they have some basis of background within this, this particular philosophy. Keith Weinhold (00:10:12) - Okay, so we are projecting an RV in after repair value here, and then we need to lend against a percentage of a certain value. So clearly since in this case the property is distressed, well then if the property is the lender's collateral and that collateral is a little, you know, why don't we call it damaged, if you will? Well, then I'm going to speculate that is that lender probably not going to give you as favorable loan terms as they would on a conforming property. Keith Weinhold (00:10:39) - So tell us more about how those bur loan terms look. Caeli Ridge (00:10:42) - So you might be surprised. Again, as long as the property is habitable the LTV is going to be the same. The value of the property. It is probably what you're going to notice more than what the lending side is going to allow for in the loan to value. So on a single family residence, if it's habitable, we're going to give the individual up to 75% of that ARV. Now, I don't know if we're ready to go down this road. I think we should talk about it at some point. The ARV and how we want to maximize and not leave any money on the table. We want to discuss the purchase price and the acquisition. I think we'll come to that. But to answer your question, habitable 75% single family or 70% on a 2 to 4 unit is going to be the maximum loan to value using the appraisal. When we talk about a cash out refinance of an investment property, which may be different if we get into a rate and term refinance as a purpose of Bur, which will probably touch on as well. Keith Weinhold (00:11:36) - What I think for the listener benefit here, maybe it's good to jump into an example if you want to apply some real numbers here to a bird deal, and then let's walk through that with the financing and more. Caeli Ridge (00:11:48) - Let's start with cash out, because it is different than a rate and term. So cash out simply to clarify means that the individual is going to get cash in hand. We are not simply paying off an existing hard money loan. That is a rate and term refinance. So we want to start with cash out where the cash to acquire the property was the individual sourced and seasoned funds. And let's assume that the scenario looks like this. They paid $100,000 for the property. And then there's $50,000 in renovation with the expectation. Or let's just say that we get an appraisal for 200,000. So at 200,000 and it's a single family residence, 75% of that is 150,000. Okay. So that pretty much covers their total acquisition costs. But then we've got a recommendation. Keith Weinhold (00:12:28) - Cost is quite. Caeli Ridge (00:12:29) - Covered. But we have to account for closing costs tax and insurance. Caeli Ridge (00:12:31) - Let's just make it around ten grand. So the individual is going to end up with 140,000 from their 150 total acquisition cost. If you divide those two numbers, you're probably going to be at what? So 140 divided by 150,000. Yeah, 93% overall leverage. You've got ten grand skin in the game. And when you look at it from that perspective, 93% over all loan to value or leverage of this property is very, very high. If you can get a deal to work like that, you're doing very well. Keith Weinhold (00:12:59) - And you can see why people like this and why people are attracted to this. So go ahead and tell us more about this. Because really, when we talk about lending for a bigger property, we're probably talking about two different loans, right? We're talking about the purchase price upfront and then the refinancing later on. Caeli Ridge (00:13:17) - Right. So let's going back to my example. If you paid cash for the property, if that 150,000 was your sourced in season funds. And if you want Keith tell me later and I'll go into what source and season it is. Caeli Ridge (00:13:28) - But you have 150,000 in on this property. The key to getting up to the maximum of 150 back. Or in our example, you ended up with 140 back because we accounted for ten grand. And in closing, cost is to make sure this is wildly important. And a lot of people get this wrong the first time they go down the Burr road. Make sure both the purchase price and the acquisition costs are listed on your final CD, aka Closing Disclosure. A closing disclosure comes to you at closing, where it's a document, a form that illustrates all of the line item pluses and minuses of the buyer and the seller and what everybody netted at the end. The CD must have the total 150 listed on there, and just one number is fine. It can be broken up into two numbers, whatever. But as long as both numbers are listed on the CD, you as the borrower, our client, her guidelines are eligible to get up to that much back. So the guideline states that the individual cash in hand cannot exceed a maximum of what the total acquisition costs listed on that CD is. Caeli Ridge (00:14:28) - So what the common mistake is, let's just keep using our 100,000 purchase in our $50,000 renovation. The common mistake that people make is, is that they pay the 100,000, the seller is made whole. And then the day after closing, they are officially now the owner of this property. They send the 50,000 out to the contractor. Seems obvious, right? Well, in doing it that way, you've left 50,000 on the table and now you're going to have to wait 12 months per new guideline to have 12 months of ownership, seasoned ownership for Fannie Freddie to get the total 150. So make sure that the total 150 is on that CD. And the way to do this, just one more little detail. You want to be working with an escrow company that provides something called an escrow hold back. Because a lot of times when I give this advice, people say, well, I don't really want to release $50,000 to the contractor before they even started any of the work, right? That makes sense to me. Caeli Ridge (00:15:16) - And most escrow companies do this in escrow. Hold back says that the hundred grand goes to the seller. The 50,000 is earmarked for the general contract, you've gotten your bids, etc., but the escrow company will then deliver the 50,000 upon your approval as draws to the contractor as work is being completed. And that kind of absolves that extra layer of risk. But now you've done the appropriate thing for the financing to get maximize your cash out, and you're not leaving yourself in a weird position to frontload 50 grand before you know they've even started on whatever repairs there are. Keith Weinhold (00:15:49) - Yes. How much motivation does every contractor have if they've already got their 50 K for 50 K worth of work before they do their work? And it works this way a lot in the contracting world, where progress payments are made intermittently as the contractor performs their work. So tell us more about what we need to know here. Clearly, especially when it comes to the Bir and loans, because you just gave us a great mistake to avoid there. Caeli Ridge (00:16:13) - Kind of keeping on that theme. And then let's talk about a rate and term refinance. You know, some of the pushback that I'll get when I have these conversations. Well, you get your bids. Okay. We'll start talking about the 50,000 renovation per hour example. And you probably get a low and a high and middle. Maybe you go with the middle. It's been my experience personally and just through conversations that the bid is 50,000. If you don't have the upfront conversation to say, I'm not going to pay a cent over the 50,000 and or you negotiate to say, okay, what is our variance here? Because a lot of times the contractor is not going to be pigeonholed to 50,000. They're going back and say, no, I'm not going to sign anything that says that it will not exceed 50,000. There are costs and things that are out of my control, blah, blah, blah. Then coming up with, okay, fine, 55,000, 50, 2000, whatever that margin might be, including that in there and then having the conversation that says, okay, fine, because you don't want to leave that money on the table. Caeli Ridge (00:17:03) - So let me take a step back. 50,000 becomes 55,000. And if you didn't have it on the CD, that $5,000 is not eligible to get back. So if you increase the amount that's on that CD, per the conversation with your contractor, make sure one of two things that if it isn't spent, that it's coming back to you and assuming if it is, then everybody is on the same page and it's just going to be part of the expense and part of what you have potential to get back. So just food for thought there. Then moving into the rate and term refinance. Now this is something totally different. This means that you went out and got a hard money lump, some kind of a private bridge loan, which by the way, Ridge does. We have bridge loans that can help fund the purchase and the renovation. We can talk about that if you like. But if you went out and got a hard money loan, this is no longer a cash out refinance unless the value is so high that based on a 75% LTV for cash out, that there's enough money on the table that you don't want to wait the 12 months. Caeli Ridge (00:18:00) - I'm going to pause on that for a second and just say that the numbers work for a rate and term refinance, where we have an existing loan. Let's say you've got a hard money loan for 150,000. A rate and term refinance lets us go to 80% loan to value on a single family, 75 on a 2 to 4. If you recall a minute ago it was 75 and 70. That's cash out. Refinance rate and term refinance rules when you're not getting any money in hand, were simply paying off existing liens plus closing costs. They increase the LTV allowances. So 75 2 to 480% on a single family residence. So if we can go 80% on the 200,000, what is that one? I can't do mental math, Keith. So 80% of 200,000 is 160. So in that case think about this. So let's just keep going back to our example. You've got 150 into it. We've got 10,000 of closing costs okay. 150 is a hard money loan that we have to pay off. And the 10,000 is what the new refinance closing costs are going to be. Caeli Ridge (00:19:00) - The value came in at 200,000. 80% of that is 160,000. That's no skin in the game. You have completely covered the hard money loan paid for the closing costs. I mean, you can't get better than that. That's 100% leverage, right? You're not getting cash back. Now let's take that and say that the value came in at 250. And that's a lot of money. In that case, you may want to wait for the 12 months to get that cash back, because you're going to be limited if you use leverage to acquire the property versus your own cash, that's when you're going to have to wait that 12 months. Or if you're cash acquisition, the numbers work out where you'd get an exponentially more amount than what you put into it. You may want to wait there, too. It really just depends on what that RV is going to be. That's why it's the linchpin that'll make you decide whether you're going to wait the 12 months, or if you're ready to rock in in the immediate terms with a rate and term refi. Caeli Ridge (00:19:53) - No seasoning. If you're not getting cash back, I don't care. We can do it immediately or a cash out refinance. As long as you're not getting more back than what you paid for it. And we can show that the dollars to acquire all in the CD and they came from, you know, seasoning. Keith Weinhold (00:20:07) - All right. So it's the BR strategy with the cash out refinance and then the burr strategy with the rate and term terms there, if you will. Is there anything else that we need to know about either one of those. Caeli Ridge (00:20:19) - Really a lot of people always want to say what are the rate differences? And I would say that, you know, overall they're going to be roughly the same when we start talking about those LP's. Again, Keith, low level price adjustments there, pluses and minuses that have to do with risk. A cash out is a higher risk than a rate and term, a rate and term at 80% versus a cash out at 75% might offset that. So relatively speaking, they're probably going to be within an eighth to a quarter percentage point if all the other variables are equal. Keith Weinhold (00:20:44) - Now, clearly, I think of a hard money loan is something that allows. You to put both the purchase price of a property and the projected rehab cost, and roll those all into the loan at closing. That's what I think of as a hard money loan. Is there any difference between a hard money loan and the other things that you're describing to us? Caeli Ridge (00:21:04) - Not really. I mean, it's probably a cat of a different name, right? I mean, a hard money loan, a private money loan, a portfolio loan, a bridge loan. I mean, you could use the same thing, depending on the context of the sentence, to mean the same thing, maybe something different. You're probably right in this context. It's going to be the same, I think. Keith Weinhold (00:21:21) - Well, I want to talk to you more about conventional loans and any mortgage industry trends that have been taking place lately. But before we do, do you have any last thing to tell us about the Burr strategy, where really someone can accumulate maybe 10 or 20 properties in just three years with little or no money, but more work? Caeli Ridge (00:21:39) - Yeah, a little bit more work. Caeli Ridge (00:21:40) - I would say get to know your market, have your team. That contractor. Man, I think you alluded to this. I think that that's the piece that most people struggle with is finding the right contractor for one of the things that tends to work well, if you have established a relationship, is kind of getting in with some kind of a JV with the contractor, right? They've got skin in the game. Maybe if your numbers work out, they get a 5% bonus on the end, whatever. Just to kind of not keep them honest but keep them honest, if you know what I mean. So making sure you've got a good contractor that you can trust if you're going to be doing this out of state from where you live, even more so, doubly so you really want to have the right team. And that includes the general contractor, the escrow company, your lender. Everybody's got to kind of be on the same page if you're going to continue to do this as a rinse and repeat. Caeli Ridge (00:22:23) - And then finally I would say bring it to Ridge. Let's just make sure if you're new to doing this, I want to make sure you're not leaving that money on the table, that we're structuring it appropriately so that we're maximizing the loan to value, we're maximizing your dollar, and that you're not leaving money or leaving money for some period of time longer than what you would have wanted to, because this is a rinse and repeat, right? If you don't do it right the first time, you could be stuck tying up 30 grand for 12 months that you would have otherwise been able to capitalize on. If we looked at it in advance of you pulling a trigger. Keith Weinhold (00:22:52) - Yeah, that's correct. In fact, that last R in the BR strategy is to repeat it. And yet, to your point about contractors, I like to think about what contractor motivations are and what my motivations are. And in times I have incentivized contractors with giving them a 5% bonus if they finish things ahead of schedule or a 5% penalty if they finish things behind schedule and putting that in the contract as well. Keith Weinhold (00:23:14) - You're listening to get versus a case. We're talking with Ridge Landing President Charlie Ridge about getting loans for the BR strategy more when we come back. I'm your host, Keith Windhoek. Role. Under this specific expert with income property, you need. Ridge lending Group Nmls 42056. In gray history from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your prequalification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns, or better than a bank savings account, up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. Keith Weinhold (00:24:29) - How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six. Speaker 5 (00:25:06) - This is our Rich dad, Poor dad author Robert Kiyosaki. Listen to get Rich education with Keith Wayne. All scripture data. Keith Weinhold (00:25:25) - Hey. Welcome back. You're inside. Episode 502 of gray. I'm your host, Keith. Y'know, we're talking with the president of Ridge Lending Group, Charlie Ridge. She talked to us before the break about her financing strategies and the things that you need to keep in mind in order to optimize your returns there. It's only now back here on the conventional side, we talk more about conforming loans for properties that are already fixed up. Keith Weinhold (00:25:48) - Or maybe people call those turnkey. What about some of those hurdles that investors often have in there? For example, I know that the DTI one exceeding their debt to income ratio threshold when they try to qualify is sometimes a problem. So can you talk to us about some strategies with that? For example, sometimes a person might have a $500 a month car payment, but they only have four or more payments to make for their $2,000 principal balance. And it just makes more sense to pay that off. And then that drops off the DTI calculation. Are there any other thoughts you have with regard to that? Caeli Ridge (00:26:18) - There's so many in this. I mean, we probably have our own episode for all different ways on debt to income ratio and to move that needle. Just to go back to your example, just FYI, if the car loan is financed, not leased, and there are ten months or left reporting on the credit report automatically per guideline we had, we can exclude that if it was at least with ten months or less, we have to keep it in the ratio. Caeli Ridge (00:26:39) - But if it's a finance car, ten months are left are showing on the report. It's automatically reduced from the liability section of DTI. The other things that we're to look at just obvious things. Can we gross up any kind of income. Right. Are there bonuses or commissions or Social Security or veterans benefits or whatever that allow us to gross those up, making sure that we've got all of the applicable income that they gather? Sometimes people will forget to say, oh, I get this. You know, child support or alimony or whatever it may be that I didn't think to disclose. We want to make sure that we have that in there. And then we talk about liabilities we want to look at here's kind of a good one. Student loans let's say that either cosigned or you have your own student loans. Fannie and Freddie have different. And maybe they're in deferment. Okay. So when we pull the credit it shows zero as the monthly payment. While Fannie and Freddie have different rules about what we have to hit them for. Caeli Ridge (00:27:25) - And I could be getting these backwards, but I think that Fannie is 1% of the outstanding balance, whereas Freddie is a half a percent. So depending on some other variables, we may elect to say, okay, DTI is really tight, we're going to take this and make this one of Freddie, assuming that they fit all the other boxes so that we're only having to hit them for that half a percent. Otherwise we look at maybe paying off revolving debt, get those payments down if they're small enough, maybe there's a $3,000 balance that has a $300 payment that's really screwing things up, and they can afford to pay that off. So certainly we can look at those kinds of things, adding in a co-borrower, putting more money down, buying the interest rate down, maybe finding slightly cheaper insurance, right. At least for the purpose of the loan. And then if you wanted to get higher insurance or lower deductibles or higher deductibles later, you could certainly do that. So there's so many different variables that we can look at to really it's not a one size fits all. Caeli Ridge (00:28:13) - And DTI is kind of a slippery slope. And there's lots of different ways in which we can get that down into check. And if it doesn't happen today, we can help them plant the seeds for what to do tomorrow and making sure that we get them there. Keith Weinhold (00:28:24) - Wow, that was fantastic. I hope you, the listener, are listening closely because Charlie just gave so much packed, nutrient dense information about what you can do with your DTI. And for starters, I think a lot of people think about reducing their debt to improve their DTI. But is all your income being credited as well? Hopefully you caught that part which said that. But when it does come to reducing the debt portion, of course student loans have very much been in the news with all these plans for forgiveness. Is that impacting DTI substantially? Caeli Ridge (00:28:53) - If they had the right documentation? Sure. Yeah. If they're on there and we have the right documentation that shows that they are forgiven, but they just haven't caught up with the system, then absolutely. Caeli Ridge (00:29:00) - Otherwise, if they don't have the supporting doc, the letter that says and it's on the credit report, we're going to have to hit them for it, whether there's a payment there or a zero deferred. And then we have to figure out the 5.5 or the 1%. It'll have to be in there. Just depends on what they can deliver in terms of that forgiveness in paper trail. Keith Weinhold (00:29:18) - You do with mortgages every day in there. That's what you specialize in for investors. Are there any just overall mortgage industry trends that really specifically impact real estate investors that have occurred? Or amid. Caeli Ridge (00:29:31) - The rates? Everything is going to come back to the rates. As much as I impress upon people, it really shouldn't be about the rate. And I understand the psychology. Listen. But if they're not doing the math, they're really doing themselves and their future investment a disservice. The shelf life, you guys of an investment property mortgage is five years. Whatever the rates are today, you're not going to have that interest rate almost certainly in 5 to 7 years. Caeli Ridge (00:29:54) - So kind of looking down the forecast of where rates we think they're going to go, the appreciation of the property, harvesting equity, pulling cash out. Keep those things in mind when you fixate on the interest rates. I would say that that's usually what it's top of people's minds. The most recent inflationary data came out. It was hotter than we expected. However, shortly thereafter, if you're watching closely the unemployment rate and the jobs report, I think it offered 175,000 new jobs and the projection was to something. So that's good news. And listen, you guys, you can't have it both ways. We're in a hot economy. I guess it depends on who you're talking to and who you're asking. I understand, but for all intents and purposes we've got inflation is is down. It's not down where the Fed's wanted that 2%. The unemployment rate is very, very low. So in that regard we're doing very well. So interest rates are going to be higher. Unfortunately it balances this way. The worse the economy does the better the interest rates do. Caeli Ridge (00:30:48) - Finding that equal balance I think is the key. And don't ask me, I'm not going to try and predict how to do that. But do your mouth be prepared for refinancing when it comes. Sitting on the fence is usually not going to be to your advantage if you're waiting for interest rates to come down, and that coupled with house values, come down a little bit too. And you may have played yourself out of the refinance anyway for the purposes that you wanted to pull cash out. So just be educated. Call us. We can kind of walk you through some of that stuff. Interest rates, I think, are going to be higher for longer unless we see some real significant data trends, because there's a lag. And what we get from the Fed's and I think they try to put that in there, but who knows what's going to happen. What are they going to see us again June, July. We'll see what happens. If jobs reports keep being light, then maybe we start to see a little bit more reprieve in the interest rates. Caeli Ridge (00:31:32) - But we're still we're what, seven and a quarter, seven and a half for investment property I think in most cases. So if that's too high to cash flow, find a short term rental. Find a mid term rental. There's other ways in which to accomplish your variety of variables. Even in the seven and 7.5% interest rate environment. Keith Weinhold (00:31:49) - Well, there's so much I can say about the fed and the interest rates, but I think you said something very important earlier that the average shelf life of a mortgage loan product is about five years. It's exceedingly few people. Well, less than 1%. They're making their 360th monthly payment ever at a 30 year fixed rate loan. Charlie, I want to ask you what. Maybe it's becoming sort of known as the Charlie Ridge question. I like to ask you this almost every time that you're on the show, because it gives us a temperature of the market, because you see so many loans and so many appraisals come in there, what percent of appraisals are coming in above value? What percent are coming in on value, and what percent of appraisals are coming in below value? Caeli Ridge (00:32:26) - We don't see as many low values. Caeli Ridge (00:32:28) - I think that there was a period of time where that was rampant. It was really frustrating for a lot of people, especially on the Non-owner occupied side. The vast majority are coming in on point, and I think a lot of that has to do with 0809 regulation. Appraisers are kind of scared of their own shadow and overvaluing properties. So I think that they do very everything they can to hit the mark. And I don't see too much over an occasion. We'll see a little bit over. It's more likely to see it over than under these days. I would say, okay, percentages under 10% on the mark 8075 and then over. We'll give it. Keith Weinhold (00:33:03) - 1515. Okay, a few more over than under, but pretty close to right on value there. You do loans in almost all 50 states. And these are the states where the property is located, not where the borrower lives. Right. So it's every state except a few. Caeli Ridge (00:33:20) - Right? We're not in North Dakota and we are not in New York. Caeli Ridge (00:33:22) - Otherwise we are lending in all 48 states where the property is. That is correct. Keith Weinhold (00:33:27) - Yeah. And you specialize in loans for investors. Like I said earlier, what other loan types do you offer investors and others in there because you do a few primary residence loans too. Caeli Ridge (00:33:38) - We do lots of primary. I would say, you know, it's 7030 probably. We're very capable, full service direct lender. What that means is we fund on our warehouse line, we underwrite in house, but we don't service these loans. So we bundle them up in mortgage backed securities and we resell them on the secondary market to aggregators. You guys will know this as servicers. Any Mac, Wells Fargo, whoever is going to be the end servicer of the loan. And I've worked really, really hard to create an environment specifically for investors, not exclusively, but largely so that we're not a one size fits all. So I really appreciate the question and being able to articulate to your listeners, we really do everything. It's very uncommon that we don't have a loan product to feed the actual need. Caeli Ridge (00:34:17) - The one thing that I would say we don't have or don't offer is going to be a lot bear lot loans we don't fund on just bare land, but we can do the Fannie Freddie's bridge loans. So for the fix and flip or fix and hold the BR, we do non QM. This is just non QM is kind of everything outside the Fannie Freddie box. If you can't quite fit into the rigors of Fannie Freddie you're going to be in non QM probably where debt service coverage ratio lives. Bank statement loans live, asset depletion loans live. We have commercial loan products for commercial properties. For residential properties we have. Ground up construction. First line Helocs for relationship clients we have second line Helocs. We had second line for everybody when we pulled back just for relationship clients for reasons that we'll discuss on one on one if anybody's interested in that. What am I forgetting, Keith? You get the point. There's a lot. If you think that you're trying to get financing for residential or commercial properties, please email us and we'll take some information to let you know what we can do. Keith Weinhold (00:35:10) - Well, yeah, to my point, you provide such a great service in a wide palette of options. It's somewhat easier to describe what you don't do. Yeah. And what you do offer to people. And of course, I've done my own loans in there at Ridge and my own refinancings in there. And yes, I usually end up getting a servicer. That's one of the big banks that you've always heard of over the long term that I make payments to. Where does one get started to get things rolling with Ridge or just to ask some questions. Caeli Ridge (00:35:36) - Call us 855747434385574. Ridge, you'll get someone immediately. We don't have any call trees. You'll speak to me if I'm available at the time. Our website's got a lot of great information. Ridge lending group.com email info at Ridge Lending group.com. All of those ways will get you on the books with me, if that's what you like. Or assign you to a loan officer in the company. And we look forward to serving you. Keith Weinhold (00:36:00) - You have given our longtime listeners more good, timely mortgage information than anyone in the history of the show here, and we're all better for it. Keith Weinhold (00:36:09) - Charlie Ridge, thanks so much for coming back on to the show. Caeli Ridge (00:36:11) - Thank you Keith. Keith Weinhold (00:36:18) - Let's review some of what you learned about Bir and their loans today. Once your property is renovated and rented, which are the first and second are the third are. Is refinance for a cash out refinance type? It is a maximum of 75% loan to value on single family and 70% on a 2 to 4 unit, and then for a rate and term refinance, which means when you don't get any money in hand after closing and you're simply paying off existing liens plus closing costs, it's 80% loan to value on single family and 75% on a 2 to 4 unit. And you learn to be sure that both the purchase price and the acquisition cost are listed on your final closing disclosure. You know what I think is interesting with originating mortgage loans today? Overall, it's one question that I've been thinking about, and maybe we'll do a poll on this question. If we do, I'll share the results with you. And that is, do people care more about the mortgage interest rate than the purchase price of the property itself? Sometimes it seems that way to me. Keith Weinhold (00:37:29) - Now your mortgage rate definitely matters, but not as much as the purchase price. I mean, later months or years down the road. After you purchase a property, you can often renegotiate the mortgage interest rate, like if rates fall, but your purchase price stays fixed, that part never gets renegotiated. And like I mentioned last week, low mortgage rates don't create wealth. Leverage does. And to put a finer point on that, consider that in 1971, the mortgage interest rate was 7.3%. Back there in 1971, if you had waited for interest rates to go down, you wouldn't have purchased a home or an income property until 1993. You would have waited 22 years for rates to go down. And meanwhile the price of real estate quadrupled, and many people expect mortgage rates to stay higher, longer. Whether you're interested in the BR strategy or already renovated income, property or even primary residence loans, I invite you. You can get loans at the same place that I have myself for years. That's it. Keith Weinhold (00:38:41) - Ridge lending group.com. Until next week. I'm your host, Keith Winfield. Don't quit your day dream. Speaker 6 (00:38:52) - 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 (00:39:20) - The preceding program was brought to you by your home for wealth building. Get rich education.com.
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