Podcasts about caesar

In the latest episode of Tin Foil Hat, special guest AG Gregoroff explores the history of Freemasonry, its internal politics, and the long conflict with the Catholic Church, including the propaganda that has shaped public perception. The discussion also introduces listeners to the Royal Order of the Jesters and explains how this lesser known group fits into the wider Masonic world.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check out AG Gregoroff's internet:Website: ShopToehold.comInstagram: @ag.GregoroffInstagram: @toe_holdPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Thank you to our sponsors. Please help and support them:True Werk: TRUEWERK is hell-bent on creating the most technical, high-performance workwear in the world. The TRUEWERK story begins in the Colorado mountains where a trade worker knew there had to be a better solution than the wet, heavy gear that was weighing him down. Check out the full lineup and get 15 percent off your first order at TRUEWERK.com/tinfoil.CrowdHealth: Healthcare for under $100—You get access to a team of health bill negotiators, low cost prescription and lab testing tools, as well as a database of low cost high quality doctors vetted by CrowdHealth. This open enrollment, take your power back. Join CrowdHealth to get started today for $99 for your first three months using code TINFOIL at JOIN CROWD HEALTH DOT COM. That's JOIN CROWD HEALTH DOT COM code TINFOILSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Acts 25:1-27 – Paul Appeals to Caesar

In the latest episode of Tin Foil Hat, special guest Shannon Rowan discusses her new book The Red Shoes and how the story's metaphor reflects the way modern technology is sold as convenience while secretly acting as a tool of control. She highlights the history of mind control experiments and early cybernetics research from the 1940s to the 1960s, arguing that these efforts helped shape the internet and a hidden plan to make humanity dependent on a digital matrix. Rowan also explains how app and tech design uses Pavlovian conditioning, Skinner box research, and operant conditioning to create cravings and reward loops that drive behavioral addiction.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check out Shannon Rowan's internet:Website: https://wifi-refugee.com/Please check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Please check out and support our sponsors:Stash: Don't let your money sit around—put it to work with Stash. Go to get dot stash dot com slash TINFOIL to see how you can receive TWENTY-FIVE DOLLARS towards your first stock purchase and to view important disclosures.HIMS: No man wants to lose his hair, but for men, it's actually very common. And now with Hims, the solution is simple. Try Hims' hair loss solutions and you'll be joining hundreds of thousands of subscribers who got their flow back. Start your free online visit today at Hims dot com slash TINFOILHAT. That's hims.com/TINFOILHAT for your personalized hair loss treatment options.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Adam Yenser is a stand-up comedian. He's currently on tour with dates at The Emmaus Theatre in Pennsylvania on Dec 26 and Caesar's Republic in Lake Tahoe, CA from Jan 2–4. Check out his YouTube show The Cancelled News, and follow him on Instagram @adamyenser and on X @cleancomedian69.Macey Isaacs is a stand-up comedian. Her special Half Sister is available now exclusively at drybarcomedy.com. Find more at maceyisaacs.com and follow her on Instagram @maceyisaacs.IN THE NEWS: A Cinnabon worker in Wisconsin was fired after video surfaced of her hurling racist slurs at two customers, prompting swift backlash and a public statement from the company condemning the incident. Ben Stiller, Simu Liu, Alec Baldwin, and others are rallying around Paul Dano after Quentin Tarantino slammed him as the “weakest male actor” and a “non-entity” in There Will Be Blood, sparking a wider debate about harsh director criticism. Meanwhile, Bill Maher and Ana Kasparian got into a fiery on-air clash over Islam and the Middle East, with Maher pressing her to name a Muslim-majority city she'd rather live in than Tel Aviv as they battled over religion, culture, and blame.Get it on!Subscribe to The Adam Carolla Show on Substack: https://adamcarolla.substack.com/FOR MORE WITH ADAM YENSER:TOUR: Dec 26 - The Emmaus Theatre - PA Jan 2-4 - Caesar's Republic - Lake Tahoe CA YOUTUBE SHOW: The Cancelled NewsINSTAGRAM: @adamyenser TWITTER: @cleancomedian69 FOR MORE WITH MACEY ISAACS:SPECIAL: Half SisterAvailable Now exclusively on Dry BarINSTAGRAM: @maceyisaacsWEBSITE: maceyisaacs.comFOR MORE WITH JASON “MAYHEM” MILLER: INSTAGRAM & TWITTER: @mayhemmillerWEBSITE: www.mayhemnow.comLIVE SHOWS: December 11 - Fort Lauderdale, FLDecember 12 - Miami, FL (2 shows)December 13 - Miami, FL (2 shows)December 14 - Fort Lauderdale, FLThank you for supporting our sponsors:BetOnline​Exclusive $35 off Carver Mat at https://on.auraframes.com/CAROLLA. Promo Code CAROLLALive Better Longer with BUBS Naturals. For A limited time get 20% Off your entire order with code Adam at Bubsnaturals.comHomes.comForThePeople.com/Adamoreillyauto.com/ADAMpluto.tvSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join DNA ID at Crimecon Las Vegas 2026 It's official; DNA ID host Jessica Bettencourt has officially been invited back to Crimecon to represent DNA ID on creator's row. Crimecon 2026 will take place at Caesar's Palace in Las Vegas May 29-31, 2026. At Crimecon, you get the chance to talk to legendary investigators,  attend immersive panel events, take photos with your favorite true crime celebs, catch up with your true crime friends, and much, much more. And if you go, please stop by Jessica's table on creator's row and say hi, and be sure to pick up some DNA ID merch! You can save 10% on your standard Crimecon badge by using the show's special promo code when you checkout at Crimecon.com. That promo code is DNAID. Using our promo code will be helping to support the show, and will make it possible for Jessica to continue to be invited back. 

In this episode of Decorating Pages, Emmy-winning set decorator Kim Wannop sits down with Production Designer Cara Brower to talk about designing Hedda, Amazon MGM Studios' new adaptation of Henrik Ibsen's Hedda Gabler—now streaming on Prime Video. Brower—whose credits include Candyman, The Marvels, Twin Peaks: The Return, Us, and Hail, Caesar!—explains how she found and transformed a single English country estate into Hedda's entire universe: grand staircase, dark entry hall, sensual bedroom, secret telephone nook, glass conservatory with a deadly chandelier, and a lakeside bonfire that bookends the story. The conversation digs into:How Ibsen's original themes of power, boredom, control, and societal constraints on women informed the design choicesLayering Victorian architecture with Art Deco curves, 1960s-inspired pattern, and bold modern art so Hedda's home feels like a socialite's act of rebellionDesigning Hedda's bedroom as a cold, sensual, almost Hollywood-boudoir space that belongs entirely to herThe engineering and cross-department chaos behind the film's glass chandelier set pieceWhy shooting mostly on location—with minimal VFX—makes the film feel more immediate and theatricalPerfect listening if you love period drama, literary history, and extremely opinionated wallpaper.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Power Struggle After Caesar's Death: Colleague Barry Strauss introduces the power struggle following Caesar's death, featuring the established noble Mark Antony and the ambitious, though physically slight, Octavian, detailing the Second Triumvirate and Antony's military prestige after Philippi, contrasting it with Octavian's reliance on political cunning and the legacy of his great-uncle. 1700 ANTONY & CLEOPATRA

October 22, 2025 - Wednesday PM Bible Class In this episode we begin a verse-by-verse study of the book of Philippians, focusing on chapter 1 and its historical context. Chris sets the scene by reviewing Acts 16 — the Macedonian call that brought Paul, Silas, Timothy, and Luke to Philippi — and highlights key persons like Lydia and the Philippian jailer who played roles in the church's founding. The episode also situates Paul's letter historically, explaining his Roman imprisonment (house arrest around AD 60–62) and how that confinement shaped the letter's emphasis. Topics covered include: the geographic and cultural background of Philippi (a Roman colony in Macedonia), the origin of the church there, and the circumstances that prompted Paul's affectionate and joyful letter. The host unpacks major themes such as joy and rejoicing, the meaning of being a bondservant of Christ, the distinction between the believers Paul calls “saints” and his own humility, and the practical results of gospel partnership between Paul and the Philippian congregation (including their generosity). Key points emphasized: Paul's overriding theme that true Christian joy is rooted in Christ and the gospel — not in changing circumstances; the joy of prayerful fellowship (Paul's thankful, persistent prayers for the Philippians); the joy of purposeful living (how Paul's chains actually advanced the gospel and emboldened other believers); and the famous tension in Paul between “to live is Christ” and “to die is gain,” showing his devotion to Christ and concern for the church's growth. The episode highlights concrete illustrations from the text: the Macedonian call, Lydia's conversion and hospitality, Paul's witness to Caesar's household and the palace guard, divisions among those preaching (envy vs. goodwill), and practical exhortations for love, knowledge, discernment, and bearing the fruits of righteousness. Listeners can expect historical background, theological teaching, and pastoral application designed to help them understand Philippians' message of Christ-centered joy and faithful living.   Duration 40:00

In this episode of Tin Foil Hat, Sam is joined by Dr. Joseph P. Farrell for a deep dive into the idea of a global campaign against Christianity and how this contrasts with the teachings of the early Church Fathers, who emphasized what they saw as the authentic message of Christ, far removed from what many modern preachers present today. They explore the view that contemporary culture has taken a turn toward the satanic, pushing people away from God and nature, and discuss the belief that powerful elites are deliberately degrading architecture, music, comedy, and art as a way to demoralize society. Thank you for your support.Please check out Joseph P Ferrell's Books: https://bit.ly/3GlSZYrPlease subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check Dr. Joseph P Farrell's internet:Please check out Joseph P Ferrell's internet:website: https://gizadeathstar.comPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Please check out and support our sponsors:Blue Chew: Make life easier by getting harder and discover your options at BlueChew.com! And we've got a special deal for our listeners: Try your first month of BlueChew FREE when you use promo code TINFOIL -- just pay $5 shipping. That's promo code TINFOIL. Visit BlueChew.com for more details and important safety information, and we thank BlueChew forsponsoring the podcast.MASA Chips: Snacking on MASA chips is nothing like eating regular chips, with MASA you feel satisfied, light, and energetic, with no crash, bloat, or gross sluggish feeling afterwards. Ready to give MASA a try? Go to MASAChips.com/TINFOIL and use code TINFOIL for 25% off your first order. That's MASAChips.com/TINFOIL, and code TINFOIL for 25% off your first order.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In the new episode of Tin Foil Hat, Isaac Weishaupt breaks down the legacy of James Shelby Downard, one of the earliest voices in conspiracy theory and a key figure in decoding occult symbolism. The show covers the power of the 33rd parallel, the impact of his book King Kill 33 with Michael A Hoffman, and the symbolic interpretations surrounding events like the JFK assassination and modern political violence.Please check out Isaac Weishaupt's Powerful Pattern: Occult Symbolism and Pop Culture podcast: Patreon.com/IlluminatiWatcher use promo code "SWARM" (exp. 12/12/25)Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check Isaac Weishaupt's internet:Links: https://allmylinks.com/isaacwPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Please check out our sponsors:True Classic: True Classic is made with stank-free, moisture-wicking technology so you can do it all in comfort and style. From running on the treadmill to running out for beer, True Classic has the gear for you. So, if you're ready to upgrade your closet, shop now with my exclusive link at trueclassic.com/TinFoil and save up to 25% off your first order. PLEASE support our show and tell them we sent you. No matter how you move, make 2024 your most comfortable year yet with True Classic.Raycons: It's Raycon's Anniversary! And what better way to celebrate than with a deal on the Everyday Earbuds Classic. The Everyday Earbuds Classic are loaded with upgrades: Active Noise Cancellation, Multipoint Connectivity so you can pair with two devices at once, and an ergonomic fit that actually stays put no matter what you're doing. They're now 20% off, so it's the perfect time to get your hands on these. Reliable, super comfy, and easy to take anywhere—you'll see why they've been a fan favorite since day one.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if you could host a brunch where nearly every single dish was made ahead of time? In this bite-sized episode, we share delicious moments about the best things we ate this week to inspire each other – and you! By the end of this episode, you'll learn the tips and strategies for starting a cookbook club, and you'll also discover must-try recipes from Samin Nosrat's new cookbook: "Good Things."You'll also get inspired to try Kari's make-ahead-friendly seasonal brunch. The recipes and dishes are kid-friendly and are ideal for hosting large and small groups alike.Tune in for a quick dose of home cooking inspiration!***Cookbook club links:Samin Nosrat's new cookbook: Good ThingsSome of the recipes we cooked was her curried carrot and coconut soup recipe, chicken braised with harissa and apricots, and creamy lemon-miso poppy dressing. The roasted squash, spicy Caesar, and passion fruit parfait recipes can be found in the book!Kari's brunch links:Adrian Hale's recipe for: “Communal Table Bread - My easiest first bread recipe”, and take a sourdough bread baking class with her in person in Portland Spinach sheet pan quiche from Smitten KitchenSlow cooker apple butter from Family Food On The Table, made with a combination of apple, persimmon, and pearAn easy citrus salad (you could top with passion fruit), and a fruit salad of sliced apple, persimmon, and pear***Got a cooking question? Leave us a message on our hotline at: 323-452-9084For more recipes and cooking inspiration, sign up for our Substack here. You can also now find us on YouTube. We love hearing from you — follow us on Instagram @foodfriendspod, or drop us a line at foodfriendspod@gmail.com!Looking for an in-person Food Friends experience? Book a farmers' market tour with Sonya in Portland, OR!

Kelly and Lizz are feeling good post-Thanksgiving, or is it the new lighting? Either way today's episode is FULL of content! First, prepare to be jealous as one of the moms has all her Christmas shopping done thanks to Black Friday sales. Then, Kelly and Lizz break down their notes from the family Thanksgiving. No harvest Caesar salad - bad. Mimosas - good!  This week's advice questions starts off with the kindest words Kelly and Lizz have ever received. A mom of almost four is looking for advice on what to expect when #4 arrives and Kelly has some encouraging words for anyone getting ready to expand their family.  Industry News is SPICY today with big stories in auto. First, there are ten EVs getting dropped for 2026 and Kelly has the full list. Then, Tesla has decided to add buttons to their cars navigation system. Finally, congress is looking at rolling back safety requirements in cars to help the price point. Should you be worried?  Finally, if you're looking for some tangible takeaways to help keep your family organized and save some money, Kelly and Lizz have a GREAT guest on the show today! Natalie is a mom of five homeschooled kids that shares her home cooking and kitchen tips on Instagram. She shares how she manages everything from cleaning the kitchen, getting laundry done and her #1 tip: PREP YOUR PROTEINS! Plus, she has a Ditch the Drive-Thru pizza recipe that you're going to want to make your next go-to meal.  Follow Natalie on Instagram @homebeginswithlove

“That night there were shepherds staying in the fields nearby, guarding their flocks of sheep. Suddenly, an angel of the Lord appeared among them, and the radiance of the Lord’s glory surrounded them. They were terrified.” (Luke 2:8–9 NLT) One way to prepare for Christmas is to reflect on the news of Jesus’ coming. What did it mean to the people who first received it? What does it mean to us? We can start by considering the first people to receive the Good News—and why God chose them to be the first recipients. If it had been up to me, I would have dispatched an angel to the court of Caesar Augustus with a carefully worded message. “You call yourself the savior of the world, Caesar? Well, now you’ve been exposed as a fraud. The real Savior of the world has just been born! And His kingdom will make your empire pale in comparison!” Another option would have been to send an angel to the Jewish high priest, scribes, and scholars to announce the news that their long-awaited Messiah had come—and that He was nothing like they thought He would be. Instead, God chose to deliver His message to shepherds who were “staying in the fields nearby, guarding their flocks of sheep” (Luke 2:8 nlt). To be a shepherd in that culture was to be at the bottom of the social ladder. Shepherds were despised—so much so that the testimony of a shepherd wasn’t allowed in a court of law. Shepherds basically did the work that no one else wanted to do. They had dirt under their fingernails. They were hardworking. And they probably felt right at home when they learned that this baby was born in lowly circumstances. They would have related to this. God was speaking their language. This became the modus operandi of Christ throughout His ministry. He went to the outcasts, to the hurting, to the ordinary people. He went to people like the woman at the well who had been ostracized because of her multiple marriages and divorces. He went to people like the tax collector Zacchaeus who was perceived by his fellow Jews as a traitor. Our Lord always had time for people like that. Jesus was well aware of His reputation for siding with people whom others rejected. He said, “The Son of Man, on the other hand, feasts and drinks, and you say, ‘He’s a glutton and a drunkard, and a friend of tax collectors and other sinners!’ But wisdom is shown to be right by the lives of those who follow it” (Luke 7:34–35 NLT). The Lord’s compassion for outcasts began with the shepherds and extended to the criminal who was crucified next to Him. But it didn’t stop there. It continues through us. Proverbs 19:17 says, “If you help the poor, you are lending to the Lord—and he will repay you!” (NLT). We can prepare for Christmas by reaching out to people in need, by noticing those who slip through the cracks, and by loving those who are hard to love. In other words, by doing what Jesus would do. Reflection question: What would welcoming outcasts and people in need look like in your life? Discuss Today's Devo in Harvest Discipleship! — The audio production of the podcast "Greg Laurie: Daily Devotions" utilizes Generative AI technology. This allows us to deliver consistent, high-quality content while preserving Harvest's mission to "know God and make Him known." All devotional content is written and owned by Pastor Greg Laurie. Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.

Julie and Kristen from The Maritime Aquarium stopped by to give a full rundown of all the festive fun happening in Norwalk this season. From Rudolph the Red-Nosed Reindeer 4D to Santa literally diving with sharks. They also shared details on Breakfast with Santa, sensory-friendly evenings, the Flurry Zone, and why aquarium memberships and gift certificates make perfect holiday presents. They didn't come alone, either. Joining them in the studio were two of their ambassador animals: Schultz, a 15-year-old prehensile-tailed skink who uses his tail like a monkey, and Caesar, a colorful Saharan Uromastyx with a seriously spiky tail. Hear the whole conversation with Kevin and the live animal chaos below!

In this episode, we sit down with rising Mexican artist Julio Caesar, who’s fresh off the road after opening on tour for Ivan Cornejo. Julio shares what it’s like stepping on stage before one of the biggest names in Musica Mexicana, the pressure of winning over a new crowd every night, and the moments on tour that made him realize he’s really built for this. Julio also talks about learning from iconic singer-songwriter Armenta – the advice he’s gotten, what he’s picked up about storytelling and melody, and how having a mentor at that level is shaping his career and mindset.See omnystudio.com/listener for privacy information.

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

In this Bible Story, Paul stands before King Agrippa, telling his story and facing trial. Agrippa is pleased with Paul, but does not set him free. Instead, Paul is sent to Rome where he will face the judgement of Caesar. This story is inspired by Acts 24-26. Go to BibleinaYear.com and learn the Bible in a Year.Today's Bible verse is Acts 26:29 from the King James Version.Episode 239: In the hall of Governor Felix, Jewish representatives and lawyers were making their accusations against Paul. Paul was silent, waiting for his turn to make a defense. Because he had done no wrong, Felix postponed judgment until a later date and retained him as a prisoner. It was during this time that Paul would write his letters to the various churches. After two years had passed a new Governor was appointed, yet Paul was still captive. So Paul appealed to the new governor, Festus, to be sent to Rome and tried by Caesar. God was opening up doors for him to speak life into the most powerful people in the known world.Hear the Bible come to life as Pastor Jack Graham leads you through the official BibleinaYear.com podcast. This Biblical Audio Experience will help you master wisdom from the world’s greatest book. In each episode, you will learn to apply Biblical principles to everyday life. Now understanding the Bible is easier than ever before; enjoy a cinematic audio experience full of inspirational storytelling, orchestral music, and profound commentary from world-renowned Pastor Jack Graham.Also, you can download the Pray.com app for more Christian content, including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Visit JackGraham.org for more resources on how to tap into God's power for successful Christian living.Pray.com is the digital destination of faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.Executive Producers: Steve Gatena & Max BardProducer: Ben GammonHosted by: Pastor Jack GrahamMusic by: Andrew Morgan SmithBible Story narration by: Todd HaberkornSee omnystudio.com/listener for privacy information.

Meet celebrated NY Times columnist and author David Margolick whose latest project is a thorough and exceptional biography of one of the living legends of comedy.  David Margolick is the author of, “When Caesar Was King: How Sid Caesar Reinvented American Comedy.”  By the mid 1950's Sid Caesar and “Your Show of Shows” captivated millions of American TV watchers.  As he rose to super- stardom,  Sid fostered the careers of several larger-than-life comedy disciples including Carl Reiner, Mel Brooks, Larry Gelbart, and Neil Simon among others.  Sid's tumultuous personal life is examined closely.  Caesar was the quintessential sad clown whose climactic highs were often out done by crushing letdowns.  It's a fascinating look at genius, a book that I found impossible to put down!

The Jewish response to elections – whether the shocking victory of an openly anti-Semitic mayor in New York City or any political upheaval throughout history – must be twofold: before the vote, we exercise full hishtadlut (effort) by voting, cultivating goodwill with leaders, and supporting candidates who protect Jewish safety (as our Sages sent gifts to Caesar and Rabbi Akiva petitioned Rome); after the vote, we immediately pivot to total bitachon, recognizing that the final outcome is 100 % Hashem's decree, often sent as a wake-up call that we have grown too comfortable in galut. History repeats itself: German Jews declared Berlin their Jerusalem, Polish Jews called Poland “Polin – here we shall dwell,” and today many American Jews act as if the United States is the final stop; every time we forget we are in exile, Hashem sends a jolt – sometimes from the left, sometimes from the right – to remind us that no political party, president, or democracy is our ultimate protector.The comforting truth is that these “potches” (divine smacks) are acts of love meant to push us back toward our mission: to be a light unto the nations wherever we are, and ultimately to yearn for and move toward Yerushalayim. When we respond correctly – by increasing Torah, tefillah, teshuvah, and authentic Jewish pride – the bitterness miraculously turns sweet, just as October 7th produced hundreds of thousands of newly observant Jews and countless stories of open miracles among the hostages. The message is clear: get comfortable being uncomfortable in galut, stop putting ultimate faith in any human leader or system, and remember that only the almighy (Hakadosh Baruch Hu) runs the world – and He is nudging us home.Engage with us by sharing your questions, and we look forward to addressing them in future episodes, fostering a more interactive experience for our audience by submitting your questions to unboxing@torchweb.org_____________This Podcast Series is Generously Underwritten by the Nagel Family.This Episode (#25) of the Unboxing Judaism Podcast is dedicated in honor of The Nagel WeddingRecorded in the TORCH Centre - Levin Family Studio (B) on November 12, 2025, in Houston, Texas.Released as Podcast on November 25, 2025_____________Unboxing Judaism Podcast is a discussion on fundamental Jewish and modern cultural topics through the lens of our Torah and heritage with Rabbi Yaakov Nagel and Rabbi Aryeh Wolbe from TORCH, in Houston, TexasASK! To have your questions featured in a future podcast, please submit your questions to unboxing@torchweb.orgRabbi Yaakov Nagel is the founding member of TORCH and has been active since 1998. Additionally, Rabbi Nagel serves as the Senior Rabbi at Heimish of Houston and has been delivering the Daf Yomi (Daily Folio of Talmud) for TORCH since 2003. Rabbi Nagel is the Head of the Court for Jewish Divorce and actively serves as a member of the Houston Beis Din.Rabbi Aryeh Wolbe serves as the Director of TORCH since 2005._____________DONATE to TORCH: Please consider supporting the podcasts by making a donation to help fund our Jewish outreach and educational efforts at https://www.torchweb.org/support.php. Thank you!_____________SUBSCRIBE and LISTEN to other podcasts by Rabbi Yaakov Nagel:Daf Yomi Podcast - https://linktr.ee/DafYomiPodcastUnboxing Judaism Podcast - https://linktr.ee/unboxingjudaism_____________SUBSCRIBE and LISTEN to other podcasts by Rabbi Aryeh Wolbe: NEW!! Prayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.tansistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at https://www.TORCHpodcasts.com_____________EMAIL your questions, comments, and feedback: awolbe@torchweb.org_____________Please visit www.torchweb.org to see a full listing of our outreach and educational resources available in the Greater Houston area!_____________#RabbiNagel, #RabbiWolbe, #Jews, #Politics, #Unboxing, #Perspective, #Engagement, #Integration, #Safety, #Mobility, #FreeWill, #Effort, #Exile, #Divine ★ Support this podcast ★

On Sunday, we will continue our study in Mark, focusing on chapter 12:18-27. We've already seen Jesus in the Temple courts, rebuking the chief priests and scribes by comparing them to wicked tenants in God's vineyard. We've observed Him skillfully outmaneuver the Pharisees and Herodians' trap regarding paying taxes to Caesar. Now, the scene shifts to another challenge from the religious elite—the Sadducees—who try to discredit Jesus and the idea of resurrection with a crafted riddle about marriage in the afterlife. Although there are several related questions we will attempt to work through, the Sadducees ultimately seek to demonstrate how foolish the idea of a resurrection is. (They did not believe in an afterlife and accepted only Genesis through Deuteronomy as God's Word.) As Jesus skillfully outmaneuvers these Sadducees, just as He did with other leaders trying to trap Him with His words, He teaches us about the glorious hope of our resurrection with Him. This hope isn't mere wishful thinking; it is based on Jesus' clever response to the Sadducees, which exposes their mistake in denying God's power and His Word. God's power to transform His people assures us that He defeats death, sin, and loss, giving us confident hope for eternity. Jesus then directs the Sadducees to Exodus (a part of Scripture they accepted) and shows (based on the tense of a verb!) that resurrection is real. He points to Exodus 3:6, where God says, "I am the God of Abraham, Isaac, and Jacob" in the present tense, even though they had died long ago. This demonstrates ongoing life and a covenant with God, because He is the God of the living, not the dead. Resurrection is built into God's Word, even in verb tenses, and reaches its pinnacle in Jesus' own resurrection as the ultimate proof, giving us comfort in grief and confidence that death does not end our story. The Theological Trap: Denying Resurrection (vv. 18-22) Jesus' Response: Ignorant of God's Power (vv. 24-25) Jesus' Response: Ignorant of God's Word (vv. 26-27)

The Jewish response to elections – whether the shocking victory of an openly anti-Semitic mayor in New York City or any political upheaval throughout history – must be twofold: before the vote, we exercise full hishtadlut (effort) by voting, cultivating goodwill with leaders, and supporting candidates who protect Jewish safety (as our Sages sent gifts to Caesar and Rabbi Akiva petitioned Rome); after the vote, we immediately pivot to total bitachon, recognizing that the final outcome is 100 % Hashem's decree, often sent as a wake-up call that we have grown too comfortable in galut. History repeats itself: German Jews declared Berlin their Jerusalem, Polish Jews called Poland “Polin – here we shall dwell,” and today many American Jews act as if the United States is the final stop; every time we forget we are in exile, Hashem sends a jolt – sometimes from the left, sometimes from the right – to remind us that no political party, president, or democracy is our ultimate protector.The comforting truth is that these “potches” (divine smacks) are acts of love meant to push us back toward our mission: to be a light unto the nations wherever we are, and ultimately to yearn for and move toward Yerushalayim. When we respond correctly – by increasing Torah, tefillah, teshuvah, and authentic Jewish pride – the bitterness miraculously turns sweet, just as October 7th produced hundreds of thousands of newly observant Jews and countless stories of open miracles among the hostages. The message is clear: get comfortable being uncomfortable in galut, stop putting ultimate faith in any human leader or system, and remember that only the almighy (Hakadosh Baruch Hu) runs the world – and He is nudging us home.Engage with us by sharing your questions, and we look forward to addressing them in future episodes, fostering a more interactive experience for our audience by submitting your questions to unboxing@torchweb.org_____________This Podcast Series is Generously Underwritten by the Nagel Family.This Episode (#25) of the Unboxing Judaism Podcast is dedicated in honor of The Nagel WeddingRecorded in the TORCH Centre - Levin Family Studio (B) on November 12, 2025, in Houston, Texas.Released as Podcast on November 25, 2025_____________Unboxing Judaism Podcast is a discussion on fundamental Jewish and modern cultural topics through the lens of our Torah and heritage with Rabbi Yaakov Nagel and Rabbi Aryeh Wolbe from TORCH, in Houston, TexasASK! To have your questions featured in a future podcast, please submit your questions to unboxing@torchweb.orgRabbi Yaakov Nagel is the founding member of TORCH and has been active since 1998. Additionally, Rabbi Nagel serves as the Senior Rabbi at Heimish of Houston and has been delivering the Daf Yomi (Daily Folio of Talmud) for TORCH since 2003. Rabbi Nagel is the Head of the Court for Jewish Divorce and actively serves as a member of the Houston Beis Din.Rabbi Aryeh Wolbe serves as the Director of TORCH since 2005._____________DONATE to TORCH: Please consider supporting the podcasts by making a donation to help fund our Jewish outreach and educational efforts at https://www.torchweb.org/support.php. Thank you!_____________SUBSCRIBE and LISTEN to other podcasts by Rabbi Yaakov Nagel:Daf Yomi Podcast - https://linktr.ee/DafYomiPodcastUnboxing Judaism Podcast - https://linktr.ee/unboxingjudaism_____________SUBSCRIBE and LISTEN to other podcasts by Rabbi Aryeh Wolbe: NEW!! Prayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.tansistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at https://www.TORCHpodcasts.com_____________EMAIL your questions, comments, and feedback: awolbe@torchweb.org_____________Please visit www.torchweb.org to see a full listing of our outreach and educational resources available in the Greater Houston area!_____________#RabbiNagel, #RabbiWolbe, #Jews, #Politics, #Unboxing, #Perspective, #Engagement, #Integration, #Safety, #Mobility, #FreeWill, #Effort, #Exile, #Divine ★ Support this podcast ★

The Transforming Power of an ImageIt is Advent once again. I don't have to tell you this, of course. If you walk into our church building on Sunday, you will know immediately something is afoot. The church is festooned with trees, garlands, wreaths, and candles—in a word, concrete images that suggest something extraordinary is happening. It is like the more glorious a thing is, the more we want to set its significance to both proclaim it and make our joy more complete. Speaking of images, we live in a world surrounded by images. Social media and the internet, not to mention TV, or our computers, phones, and clothing, all bear images. As we drive our cars down the road, our senses are confronted with images that tell a story of a kind of delicious food, a certain kind of attire, or a gadget we might need to make our lives happier or better. It isn't that we discovered the power of images in the twentieth or twenty-first centuries. People have always used images because images are more powerful than words or bullet points. Images are processed 60,000 times faster than text and sort of bypass our critical thinking and factualities. The ancients knew this, and the way Rome held power was through images of Caesar. His image was everywhere, reminding people that they owed supreme loyalty, safety, sons, and daughters to Caesar. You might not see Caesar unless you were a person of supreme rank or royalty, but the poorest peasant knew who he was and that they owed him everything. So when the Apostle Paul writes that Jesus is the image of the invisible God, he essentially dropped a bomb shell on Rome's reign of terror, and it has been subverting lives, communities, nations, and empires ever since. Join us Sunday, and we begin to look at all the excellencies of Jesus this Advent Season. It really is a season of joy and wonder. I am so thankful that we have a whole month set aside to ponder the mystery of the Incarnation!

In this episode Sharon Doran continues Mark chapter 12, weaving historical and theological insight into the eastern "Mercy" gate, the early life and temple presentation of Mary, and the church's ancient imagery of the Ark and veil. Sharon then unpacks Jesus' parable of the tenants—identifying the vineyard, tenants, prophets, and the beloved son—showing how the imagery points to Israel, the prophets, Christ's sacrificial crushing, and his role as the cornerstone. The episode closes with Jesus' clever replies to traps about taxes and the resurrection, exposing hypocrisy among the religious leaders and calling listeners to give to Caesar what is Caesar's and to God what is God's.

In the latest Tin Foil Hat episode, Amy Belair breaks down the false matrix vs. the organic matrix, how illusion-based systems shape our reality, and the true mechanics of manifestation vs. black magic. She explores the dimensions, the firmament, and what the shift into 5D—the singularity—means for escaping the matrix altogether.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check Amy Belair's internet:Website: https://amybelair.com/Podcast: Third Eye Awakening- https://podcasts.apple.com/us/podcast/third-eye-awakening/id1482580830Instagram: https://www.instagram.com/cosmic.oracle/MilkShake: https://msha.ke/cosmic.oracle?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGnhqh7udXzoyG7JTxfey5R2itpDRDqKXZ8V8eroTcmY30AiggZyKBfCEMw7HI_aem_aI9WMNBKmu1yNzb0so8dXAPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Please check out our sponsors:Divine Law: Shield your business and estate using a powerful Trinity model: 508(c) (1) (a), Private Membership Associations, and Ecclesiastical Trusts. Go register now at DivineLawMasterclass.com - it's 100% free, but the seats are filling up fast. Again — that'shttps://www.divinelawmasterclass.com/webinar-registration1752239583746Helix Sleep: Helix is offering 27% off all mattress orders AND two free pillows for our listeners! Go to Helix Sleep dot com slash Tinfoil. That's helixsleep.com/tinfoil. This is their best offer yet and it won't last long! With Helix, better sleep starts now.Blue Chew: Make life easier by getting harder and discover your options at BlueChew.com! And we've got a special deal for our listeners: Try your first month of BlueChew FREE when you use promo code TINFOIL -- just pay $5 shipping. That's promo code TINFOIL. Visit BlueChew.com for more details and important safety information, and we thank BlueChew forsponsoring the podcast.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's Scripture passages are Ezekiel 29:17 - 30:19 | Ezekiel 48 | Acts 24 - 25. Read by Christina Edmondson.Get in The Word with Truth's Table is a production of InterVarsity Press. For 75 years, IVP has published and created thoughtful Christian books for the university, church, and the world. Our Bible reading plan is adapted from Bible Study Together, and the Bible version is the New English Translation, used by permission.SPECIAL OFFER | As a listener of this podcast, use the code IVPOD25 for 25% off any IVP resource mentioned in this episode at ivpress.com.Additional Credits:Song production: Seaux ChillSong lyrics written by: Seaux Chill, Ekemini Uwan, and Christina EdmondsonPodcast art: Kate LillardPhotography: Shelly EveBible consultant: JM SmithSound engineering: Podastery StudiosCreative producers: Ekemini Uwan and Christina EdmondsonAssistant producer: Christine Pelliccio MeloExecutive producer: Helen LeeDisclaimer: The comments, views, and opinions expressed in this podcast are solely those of the host and/or the guests featured on the podcast and do not necessarily reflect the views or positions of InterVarsity Press or InterVarsity Christian Fellowship.

The Talmud (Ta'anit 21a) teaches the life-attitude of “Gam Zu L'Tovah” – this too is for the good – through the unforgettable figure of Nachum Ish Gamzu, a tzaddik who was blind, without hands or legs, and covered in boils, yet insisted that even his own horrific suffering was for the best because he once delayed helping a starving man and accepted the punishment as atonement. When the Jews sent him to Caesar with a chest of jewels, thieves replaced it with dirt overnight; instead of despairing, Nachum declared “Gam zu l'tovah.” Elijah the Prophet then appeared, convinced Caesar the dirt was Abraham's miraculous earth that turns into swords and arrows, Rome conquered an invincible city, and Nachum returned loaded with even greater treasures – proving that when a person genuinely sees every event as coming from a loving God, even apparent disasters become the vehicle for open miracles.The deeper message is that we live in two dimensions at once: the visible, physical world of cause-and-effect, and the hidden spiritual layer that ultimately controls everything. Money can disappear in a moment, empires rise and fall, health comes and goes – it's all a wheel (galgal chozer). Torah study, Shabbat, and the unwavering declaration “Gam zu l'tovah” are the spiritual coating that protects us and turns even pain, loss, or a chest full of dirt into the greatest blessing. When we live with that faith, like Nachum Ish Gamzu and like the Jewish people protected on all six sides in the desert, Heaven rearranges reality itself so that everything – truly everything – becomes for the good. Gam zu l'tovah!_____________The Thinking Talmudist Podcast shares select teachings of Talmud in a fresh, insightful and meaningful way. Many claim that they cannot learn Talmud because it is in ancient Aramaic or the concepts are too difficult. Well, no more excuses. In this podcast you will experience the refreshing and eye-opening teachings while gaining an amazing appreciation for the divine wisdom of the Torah and the depths of the Talmud._____________This Podcast Series is Generously Underwritten by David & Susan MarbinRecorded at TORCH Meyerland in the Levin Family Studios to a live audience on October 24, 2025, in Houston, Texas.Released as Podcast on November 28, 2025_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/thinking-talmudist-podcast-rabbi-aryeh-wolbe/id1648951154Spotify: https://open.spotify.com/show/0cZ7q9bGYSBYSPQfJvwgzmShare your questions at aw@torchweb.org or visit torchweb.org for more Torah content._____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Help us share Jewish wisdom globally by sponsoring an episode at torchweb.org. Your support makes a difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Prayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.org_____________Keywords:#Talmud, #Resilience, #Acceptance, #Gamzu, #Torah, #NachumIshGamzu, #Faith, #Adversities, #Success, #Shabbos, #Impermanence, #Misfortune, #Disconnect, #Tranquility, #Peace, #Meaning ★ Support this podcast ★

The Talmud (Ta'anit 21a) teaches the life-attitude of “Gam Zu L'Tovah” – this too is for the good – through the unforgettable figure of Nachum Ish Gamzu, a tzaddik who was blind, without hands or legs, and covered in boils, yet insisted that even his own horrific suffering was for the best because he once delayed helping a starving man and accepted the punishment as atonement. When the Jews sent him to Caesar with a chest of jewels, thieves replaced it with dirt overnight; instead of despairing, Nachum declared “Gam zu l'tovah.” Elijah the Prophet then appeared, convinced Caesar the dirt was Abraham's miraculous earth that turns into swords and arrows, Rome conquered an invincible city, and Nachum returned loaded with even greater treasures – proving that when a person genuinely sees every event as coming from a loving God, even apparent disasters become the vehicle for open miracles.The deeper message is that we live in two dimensions at once: the visible, physical world of cause-and-effect, and the hidden spiritual layer that ultimately controls everything. Money can disappear in a moment, empires rise and fall, health comes and goes – it's all a wheel (galgal chozer). Torah study, Shabbat, and the unwavering declaration “Gam zu l'tovah” are the spiritual coating that protects us and turns even pain, loss, or a chest full of dirt into the greatest blessing. When we live with that faith, like Nachum Ish Gamzu and like the Jewish people protected on all six sides in the desert, Heaven rearranges reality itself so that everything – truly everything – becomes for the good. Gam zu l'tovah!_____________The Thinking Talmudist Podcast shares select teachings of Talmud in a fresh, insightful and meaningful way. Many claim that they cannot learn Talmud because it is in ancient Aramaic or the concepts are too difficult. Well, no more excuses. In this podcast you will experience the refreshing and eye-opening teachings while gaining an amazing appreciation for the divine wisdom of the Torah and the depths of the Talmud._____________This Podcast Series is Generously Underwritten by David & Susan MarbinRecorded at TORCH Meyerland in the Levin Family Studios to a live audience on October 24, 2025, in Houston, Texas.Released as Podcast on November 28, 2025_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/thinking-talmudist-podcast-rabbi-aryeh-wolbe/id1648951154Spotify: https://open.spotify.com/show/0cZ7q9bGYSBYSPQfJvwgzmShare your questions at aw@torchweb.org or visit torchweb.org for more Torah content._____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Help us share Jewish wisdom globally by sponsoring an episode at torchweb.org. Your support makes a difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Prayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.org_____________Keywords:#Talmud, #Resilience, #Acceptance, #Gamzu, #Torah, #NachumIshGamzu, #Faith, #Adversities, #Success, #Shabbos, #Impermanence, #Misfortune, #Disconnect, #Tranquility, #Peace, #Meaning ★ Support this podcast ★

When Alexander the Great conquered Egypt bloodlessly in 332 BC, he was welcomed as a liberator after a period of Persian domination. Establishing cities like Alexandria and Philadelphia, his short life meant that the double-crown passed shortly to one of his most trusted generals, Ptolemy I Soter, kicking off a 300-year reign of Greek-Macedonian leadership over the ancient country.But times were changing during that three century period, with the power of Greece ebbing and a new superpower, Rome, emerging across the Mediterranean Sea. By the time that Ptolemy XII was securing the Egyptian throne for his children, Cleopatra VII and Ptolemy XIII, Julius Caesar was large and in charge well beyond Italy, and took a keen interest in the troubles the two co-pharaohs were having. It turns out things between the young rulers were worse than even Caesar expected, with the two factions in armed rebellion against each other. Ptolemy XIII made the choice to attack Caesar and Cleopatra in Alexandria, and subsequently died in the Battle of the Nile.There was romance between Caesar and Cleopatra that produced a child, but upon Caesar's death, Cleopatra had to once again take a look at the power dynamics of the world around her to preserve her kingdom and her dynasty. The Roman general Mark Antony fit the bill as both a strategic partner and lover - for a time, anyway.Listen ad-free at patreon.com/trashyroyalspodcast.To advertise on this podcast, reach out to info@amplitudemediapartners.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2024-03-25 - Our King Is Coming; Caesar Franco [ys-paIBl-Dw] by Salvador Flores III

In the new Tin Foil Hat episode, Bradley Lail lays out his Antimatter Noble Gas Plasma Portal Theory, linking antimatter, dark matter, the aether, and CERN to the origins of demons and fallen angels. He discusses stars as plasma beings, the influence of noble gases and magnetite, biblical references to his ideas, and the connection he sees between volcanoes, ley lines, and electromagnetic energy. Lail ties it all to plasma portals, forbidden pre Flood knowledge, and what he describes as the guiding power of Gods light.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check Bradley Lail's internet:Website: www.theawakenedpodcast.comPodcast: The Awakened Podcast: https://bit.ly/482QpSmPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Thank You To Our Sponsors:HIMS: No man wants to lose his hair, but for men, it's actually very common. And now with Hims, the solution is simple. Try Hims' hair loss solutions and you'll be joining hundreds of thousands of subscribers who got their flow back. Start your free online visit today at Hims dot com slash TINFOILHAT. That's hims.com/TINFOILHAT for your personalized hair loss treatment options.CrowdHealth: Healthcare for under $100—You get access to a team of health bill negotiators, low cost prescription and lab testing tools, as well as a database of low cost high quality doctors vetted by CrowdHealth. This open enrollment, take your power back. Join CrowdHealth to get started today for $99 for your first three months using code TINFOIL at JOIN CROWD HEALTH DOT COM. That's JOIN CROWD HEALTH DOT COM code TINFOILMASA: Ready to give MASA a try? Go to MASAChips.com/TINFOIL and use code TINFOIL for 25% off your first order. That's MASAChips.com/TINFOIL, and code TINFOIL for 25% off your first order.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Click here for the DRB Daily Sign Up form! TODAY'S SCRIPTURE: Matthew 23-25 Click HERE to give! Get Free App Here! One Year Bible Podcast: Join Hunter and Heather Barnes on 'The Daily Radio Bible' for a daily 20-minute spiritual journey. Engage with scripture readings, heartfelt devotionals, and collective prayers that draw you into the heart of God's love. Embark on this year-long voyage through the Bible, and let each day's passage uplift and inspire you. TODAY'S EPISODE: Welcome to the Daily Radio Bible podcast! In today's episode, we journey together through the 25th of November—Day 330 in our year-long walk through Scripture. Join Hunter as he helps guide us through Matthew chapters 20 to 22, reflecting on powerful moments from Jesus' ministry: parables about the kingdom, lessons on humility and service, and thought-provoking encounters with religious leaders. We'll discover what it means to give to Caesar what belongs to Caesar and to God what belongs to God, explore the significance of being created in God's image, and embrace the life and value God offers to each of us. Today's episode also includes prayers for peace, gratitude, and transformation, inviting you to enter this new day anchored in God's love. Get ready to be encouraged and challenged as we dive into the Scriptures, and, as always, take a moment to pause, reflect, and remember—you are deeply loved. TODAY'S DEVOTION: Whose image do you bear? The Pharisees came to trap Jesus with the question of whether they should pay taxes to Caesar. They thought they had him—if he said no, he'd become an enemy of Rome. If he said yes, he'd lose credibility with his own people. But Jesus, with the wisdom of the kingdom, turned the question back on them and on us: Whose image is on the coin? "Caesar's," they said. So Jesus answered, "Give to Caesar what belongs to Caesar, and give to God what belongs to God." But there's a deeper invitation in Jesus' answer. Show me a man. Show me a woman. Whose image do you see there? The image of God. Jesus is asking us to see beyond the coin, beyond political disputes, to see ourselves and one another as those who bear the very image of God. Jesus came to reveal the truth about who God is—but also to reveal who we are. He is the exact likeness and image of the invisible God. And we, too, are made in God's image. We are God's children, his workmanship. We are of such great value to God that he gave himself so we could share in the life we were created for—the life that is his. Today, may we live in the reality of who Jesus is, and who we are in him. May we remember that we don't belong to this world or its powers, but to God. Our highest allegiance, our true value, is found in our identity as God's beloved children. May we walk in that worth, giving ourselves back to God, and living out the life he offers. That's the prayer I have for my own soul. That's the prayer I have for my family, for my wife, my daughters, and my son. And that's the prayer I have for you. May it be so. TODAY'S PRAYERS: Lord God Almighty and everlasting father you have brought us in safety to this new day preserve us with your Mighty power that we might not fall into sin or be overcome by adversity. And in all we do, direct us to the fulfilling of your purpose  through Jesus Christ Our Lord amen.   Oh God you have made of one blood all the peoples of the earth and sent your blessed son to preach peace to those who are far and those who are near. Grant that people everywhere may seek after you, and find you. Bring the nations into your fold, pour out your Spirit on all flesh, and hasten the coming of your kingdom through Jesus Christ our Lord, Amen.   And now Lord,  make me an instrument of your peace.  Where there is hatred let me sow love. Where there is injury, pardon.  Where there is doubt, faith. Where there is despair, hope.  Where there is darkness, light.  And where there is sadness,  Joy.  Oh Lord grant that I might not seek to be consoled as to console. To be understood as to understand, to be loved as to love.  For it is in the giving that we receive, in the pardoning that we are pardoned, it is in the dying that we are born unto eternal life.  Amen And now as our Lord has taught us we are bold to pray... Our Father who art in heaven, hallowed be thy name, thy kingdom come thy will be done on earth as it is in heaven, give us this day our daily bread, and forgive us our tresspasses as we forgive those who trespass against us, and lead us not unto temptation, but deliver us from evil, for thine is the Kingdom and the power and the glory forever. Amen. Loving God, we give you thanks for restoring us in your image. And nourishing us with spiritual food, now send us forth as forgiven people, healed and renewed, that we may proclaim your love to the world, and continue in the risen life of Christ.  Amen.  OUR WEBSITE: www.dailyradiobible.com We are reading through the New Living Translation.   Leave us a voicemail HERE: https://www.speakpipe.com/dailyradiobible Subscribe to us at YouTube: https://www.youtube.com/@Dailyradiobible/featured OTHER PODCASTS: Listen with Apple Podcast DAILY BIBLE FOR KIDS DAILY PSALMS DAILY PROVERBS DAILY LECTIONARY DAILY CHRONOLOGICAL  

Click here for the DRB Daily Sign Up form! TODAY'S SCRIPTURE: Matthew 20-22 Click HERE to give! Get Free App Here! One Year Bible Podcast: Join Hunter and Heather Barnes on 'The Daily Radio Bible' for a daily 20-minute spiritual journey. Engage with scripture readings, heartfelt devotionals, and collective prayers that draw you into the heart of God's love. Embark on this year-long voyage through the Bible, and let each day's passage uplift and inspire you. TODAY'S EPISODE: Welcome to the Daily Radio Bible podcast! In today's episode, we journey together through the 25th of November—Day 330 in our year-long walk through Scripture. Join Hunter as he helps guide us through Matthew chapters 20 to 22, reflecting on powerful moments from Jesus' ministry: parables about the kingdom, lessons on humility and service, and thought-provoking encounters with religious leaders. We'll discover what it means to give to Caesar what belongs to Caesar and to God what belongs to God, explore the significance of being created in God's image, and embrace the life and value God offers to each of us. Today's episode also includes prayers for peace, gratitude, and transformation, inviting you to enter this new day anchored in God's love. Get ready to be encouraged and challenged as we dive into the Scriptures, and, as always, take a moment to pause, reflect, and remember—you are deeply loved. TODAY'S DEVOTION: Whose image do you bear? The Pharisees came to trap Jesus with the question of whether they should pay taxes to Caesar. They thought they had him—if he said no, he'd become an enemy of Rome. If he said yes, he'd lose credibility with his own people. But Jesus, with the wisdom of the kingdom, turned the question back on them and on us: Whose image is on the coin? "Caesar's," they said. So Jesus answered, "Give to Caesar what belongs to Caesar, and give to God what belongs to God." But there's a deeper invitation in Jesus' answer. Show me a man. Show me a woman. Whose image do you see there? The image of God. Jesus is asking us to see beyond the coin, beyond political disputes, to see ourselves and one another as those who bear the very image of God. Jesus came to reveal the truth about who God is—but also to reveal who we are. He is the exact likeness and image of the invisible God. And we, too, are made in God's image. We are God's children, his workmanship. We are of such great value to God that he gave himself so we could share in the life we were created for—the life that is his. Today, may we live in the reality of who Jesus is, and who we are in him. May we remember that we don't belong to this world or its powers, but to God. Our highest allegiance, our true value, is found in our identity as God's beloved children. May we walk in that worth, giving ourselves back to God, and living out the life he offers. That's the prayer I have for my own soul. That's the prayer I have for my family, for my wife, my daughters, and my son. And that's the prayer I have for you. May it be so. TODAY'S PRAYERS: Lord God Almighty and everlasting father you have brought us in safety to this new day preserve us with your Mighty power that we might not fall into sin or be overcome by adversity. And in all we do, direct us to the fulfilling of your purpose  through Jesus Christ Our Lord amen.   Oh God you have made of one blood all the peoples of the earth and sent your blessed son to preach peace to those who are far and those who are near. Grant that people everywhere may seek after you, and find you. Bring the nations into your fold, pour out your Spirit on all flesh, and hasten the coming of your kingdom through Jesus Christ our Lord, Amen.   And now Lord,  make me an instrument of your peace.  Where there is hatred let me sow love. Where there is injury, pardon.  Where there is doubt, faith. Where there is despair, hope.  Where there is darkness, light.  And where there is sadness,  Joy.  Oh Lord grant that I might not seek to be consoled as to console. To be understood as to understand, to be loved as to love.  For it is in the giving that we receive, in the pardoning that we are pardoned, it is in the dying that we are born unto eternal life.  Amen And now as our Lord has taught us we are bold to pray... Our Father who art in heaven, hallowed be thy name, thy kingdom come thy will be done on earth as it is in heaven, give us this day our daily bread, and forgive us our tresspasses as we forgive those who trespass against us, and lead us not unto temptation, but deliver us from evil, for thine is the Kingdom and the power and the glory forever. Amen. Loving God, we give you thanks for restoring us in your image. And nourishing us with spiritual food, now send us forth as forgiven people, healed and renewed, that we may proclaim your love to the world, and continue in the risen life of Christ.  Amen.  OUR WEBSITE: www.dailyradiobible.com We are reading through the New Living Translation.   Leave us a voicemail HERE: https://www.speakpipe.com/dailyradiobible Subscribe to us at YouTube: https://www.youtube.com/@Dailyradiobible/featured OTHER PODCASTS: Listen with Apple Podcast DAILY BIBLE FOR KIDS DAILY PSALMS DAILY PROVERBS DAILY LECTIONARY DAILY CHRONOLOGICAL  

Register your feedback here. Always good to hear from you!Every year it seems I have more and more to be thankful for, and it's high time I said so on the podcast. this week I'll tell you which Hebrew word brings joy to my heart and why; the particular genre of book that piquest my interest the most and where I find them; the reason Roy Orbison and Brian Wilson are better musicians than your favorite current chart-topper ever will be alive; and why two players at the table are better than one -- and maybe even better than four.Check out Hal on YouTube at https://www.youtube.com/@halhammons9705Hal Hammons serves as preacher and shepherd for the Lakewoods Drive church of Christ in Georgetown, Texas. He is the host of the Citizen of Heaven podcast. You are encouraged to seek him and the Lakewoods Drive church through Facebook and other social media. Lakewoods Drive is an autonomous group of Christians dedicated to praising God, teaching the gospel to all who will hear, training Christians in righteousness, and serving our God and one another faithfully. We believe the Bible is God's word, that Jesus died on the cross for our sins, that heaven is our home, and that we have work to do here while we wait. Regular topics of discussion and conversation include: Christians, Jesus, obedience, faith, grace, baptism, New Testament, Old Testament, authority, gospel, fellowship, justice, mercy, faithfulness, forgiveness, Twenty Pages a Week, Bible reading, heaven, hell, virtues, character, denominations, submission, service, character, COVID-19, assembly, Lord's Supper, online, social media, YouTube, Facebook.

Click here for the DRB Daily Sign Up form! TODAY'S SCRIPTURE: Matthew 17-19 Click HERE to give! Get Free App Here! One Year Bible Podcast: Join Hunter and Heather Barnes on 'The Daily Radio Bible' for a daily 20-minute spiritual journey. Engage with scripture readings, heartfelt devotionals, and collective prayers that draw you into the heart of God's love. Embark on this year-long voyage through the Bible, and let each day's passage uplift and inspire you. TODAY'S EPISODE: Welcome to the Daily Radio Bible, where each day we journey together through the pages of Scripture to find life, hope, and renewed hearts. In this episode, your host Hunter guides us through the Gospel of Matthew, chapters 17 to 19. We witness the powerful transformation of Jesus on the mountaintop, explore the humble path to greatness in God's kingdom, and listen in as Jesus challenges a rich man—and all of us—to let go of anything that keeps us from truly following Him. Join Hunter as he reflects on how our attachments—whether to money, status, or even religious ideas—can prevent us from experiencing the genuine freedom and love found in Christ. The episode closes with prayers for wisdom, unity, and faith, inviting you to open your heart, renew your mind, and remember this essential truth: you are loved. So, settle in as we read, reflect, and pray together—seeking truth and finding life, one day at a time. TODAY'S DEVOTION: A rich man came and bowed down before Jesus and asked him what he needed to do to inherit eternal life. This man had a lot of money, and on every one of his many coins was an image. In this case, it was Caesar. He was imprinted on every one of this rich man's coins. And this rich man wanted eternal life. And so he asked Jesus what he has to do in order to get it. Jesus eventually gets to it: He says, go sell everything you have and give to the poor. Go and divest yourself of all those coins with Caesar's image and come and follow me. And the man, we're told, went away sad because he had so much. That money with Caesar's picture on it was a serious problem for this rich man. It was an idol. It was something the rich man believed in. It was a god to him. Money was the ultimate solution for him. It got him what he wanted when he wanted it. It solved his problems. It established his life. And yet this man knew it wasn't life, that money was a lie that he was telling himself about God. A pretty good lie, mind you. To him, money was like God. It protected him. It provided for him. It gave him status and influence and power. And this money god had a face. It was the face of Caesar. But this currency—god of Caesar and empire and power—has its limits, even in this world and most certainly in the world to come. It's a fiction. It's founded on a lie. A functional lie, perhaps, but a lie nevertheless. The maker of heaven and earth, of every human being, is not money, nor is it Caesar. God's favor and blessing and love are not reserved only for those who possess all the little Caesar coins. That's not God. That's not what God's like. He is so much more than that. So much more generous than that. So much more beautiful than that. Jesus said it's impossible for those who worship the money god to enter the kingdom of God. It won't pay their way in. The kingdom of God is nothing like the kingdom of Caesar. That currency has no value here. What God is asking this man to give up was a lie he was telling himself about God—lies about who he is and what he's like. God is not like money. He's not transactional in nature. He's not impersonal. He's not exclusive to the fortunate few who have it. No, this is a lie. And sadly, religion often tells this very same lie about God: that he is transactional, that he is loving and forgiving only of those who do and say and pray the right things; that God is impersonal, that he is a strange conglomerate of theological concepts like omniscience and omnipotence and omnipresence—and this impersonal God is merciful only to a select chosen few. See, these are lies, too. God is not like the money god. And he is nothing like the religious god either. It will be impossible for us to see the truth about who God really is if we keep holding on to these lies. So Jesus tells him, get rid of them all and follow me. Because if he—or we—follow him, we will begin to see the truth. The lies will begin to be dispelled, and the truth of who he is will set us free. Jesus is the truth about who God is. He is the exact likeness of the invisible God. There's nothing else you need to know about who God is and what he's like that is not revealed in the person of Jesus. So you keep looking to Jesus, because when you do, you will not only see him, you will also see yourself. And all the many lies that you tell about yourself, he will begin to set straight. You will see that you are made in the image of God, that God's presence is in you, that you are of absolute worth, and that you are loved by God. And you will begin to see others—all others—the way you see yourself. And the prayer of my own heart is that I will leave all the lies and look to the one who is the truth and be set free and follow him. That's the prayer that I have for my own soul. That's the prayer that I have for my family, for my wife, my daughters, my son. And that's the prayer that I have for you. May it be so. TODAY'S PRAYERS: Lord God Almighty and everlasting father you have brought us in safety to this new day preserve us with your Mighty power that we might not fall into sin or be overcome by adversity. And in all we do, direct us to the fulfilling of your purpose  through Jesus Christ Our Lord amen.   Oh God you have made of one blood all the peoples of the earth and sent your blessed son to preach peace to those who are far and those who are near. Grant that people everywhere may seek after you, and find you. Bring the nations into your fold, pour out your Spirit on all flesh, and hasten the coming of your kingdom through Jesus Christ our Lord, Amen.   And now Lord,  make me an instrument of your peace.  Where there is hatred let me sow love. Where there is injury, pardon.  Where there is doubt, faith. Where there is despair, hope.  Where there is darkness, light.  And where there is sadness,  Joy.  Oh Lord grant that I might not seek to be consoled as to console. To be understood as to understand, to be loved as to love.  For it is in the giving that we receive, in the pardoning that we are pardoned, it is in the dying that we are born unto eternal life.  Amen And now as our Lord has taught us we are bold to pray... Our Father who art in heaven, hallowed be thy name, thy kingdom come thy will be done on earth as it is in heaven, give us this day our daily bread, and forgive us our tresspasses as we forgive those who trespass against us, and lead us not unto temptation, but deliver us from evil, for thine is the Kingdom and the power and the glory forever. Amen. Loving God, we give you thanks for restoring us in your image. And nourishing us with spiritual food, now send us forth as forgiven people, healed and renewed, that we may proclaim your love to the world, and continue in the risen life of Christ.  Amen.  OUR WEBSITE: www.dailyradiobible.com We are reading through the New Living Translation.   Leave us a voicemail HERE: https://www.speakpipe.com/dailyradiobible Subscribe to us at YouTube: https://www.youtube.com/@Dailyradiobible/featured OTHER PODCASTS: Listen with Apple Podcast DAILY BIBLE FOR KIDS DAILY PSALMS DAILY PROVERBS DAILY LECTIONARY DAILY CHRONOLOGICAL  

Mark 12 (ESV)Andrew and Edwin learn from the exchange over taxes the percentage we are supposed to give to God.Read the written devo that goes along with this episode by clicking here.    Let us know what you are learning or any questions you have. Email us at TextTalk@ChristiansMeetHere.org.    Join the Facebook community and join the conversation by clicking here. We'd love to meet you. Be a guest among the Christians who meet on Livingston Avenue. Click here to find out more. Michael Eldridge sang all four parts of our theme song. Find more from him by clicking here.   Thanks for talking about the text with us today.________________________________________________If the hyperlinks do not work, copy the following addresses and paste them into the URL bar of your web browser: Daily Written Devo: https://readthebiblemakedisciples.wordpress.com/?p=23494The Christians Who Meet on Livingston Avenue: http://www.christiansmeethere.org/Facebook Page: https://www.facebook.com/TalkAboutTheTextFacebook Group: https://www.facebook.com/groups/texttalkMichael Eldridge: https://acapeldridge.com/ 

Phoebe is in the driver's seat this week, telling Milo and Pat what Suetonius reckons about the second half of Julius Caesar. Expect more sad Bibulus and a bunch of salacious details about Caesar's bottoming experiences. Milo's UK, Paris, BENELUX and Ireland dates are live here: www.miloedwards.co.uk/liveshows Get loads more episodes like this (and the entire Seinfeld back catalogue) on the Patreon here: https://www.patreon.com/mastersofpod

AGT, CNN, The ViewLots of Great Stuff Happening for Landau, International Travel, New Music, Family & Fatherhood! Landau Eugene Murphy Jr. first burst onto the national conscience as the Sinatra-and-Soul singing  on NBC TV's “America's Got Talent with his incredible voice, undeniable charisma and unparalleled showmanship.  And a decade later, he's still going strong.Seeing Landau in concert is a revelation; backed by the dynamic Landau Big Band, you'll always hear swinging arrangements of Great American Songbook classics from Frank Sinatra, Dean Martin, Nat ‘King' Cole and many more, along with a dusting of that special Motown Magic that is sure to move your feet and make you sing along.And after the show, every show, you'll always have the opportunity to meet Landau one-on-one for photos and have the chance to talk with him about his incredible rags-to-riches story.  “It's my favorite part of the night; it's something we always do. Sometimes I'm the last one at the venue, talking to fans and friends. The janitor is waiting on me to lock up!”Landau was born into extreme poverty in the Appalachian coalfields of southern West Virginia. His parents split while he was in elementary school, and Landau was shipped off to Detroit in the middle of the night. He woke up in the Motor Cities notoriously gang and drug-riddled “7 Mile” neighborhood. Landau likes to say that he went from Almost Heaven to Little Baghdad overnight!“I loved to play basketball in Detroit, and these guys were good. Some of them went onto the NBA. But we were in the hood; it wasn't anything to see guns drawn on the court after the game, so to keep people cool and laughing, when I'd dunk on someone, I'd sing a Frank Sinatra song like “Fly Me To The Moon” and everyone would laugh and put their guns away.”At the end of his rope, Landau tied a knot and pulled himself back up by auditioning for NBC TV's “America's Got Talent” with thousands of others. After months of competition, Landau emerged the winner, scoring a million dollars, a recording contract, and America's hearts, and he's never looked back.Landau's Columbia Records debut album “That's Life” reached number one on the Billboard Jazz Charts and was followed by “Christmas Made For Two”, “Landau” and his latest “Landau Live In Las Vegas” recorded during a performance at the legendary Caesar's Palace.  Landau has made dozens of TV appearances including “The Today Show”, “The View”, CNN, “Fox and Friends”, “The Talk”, the Macy's Thanksgiving Day Parade, and the Hollywood Christmas Parade.He's helped raise millions of dollars for charities, many in his home state of West Virginia where he serves on the Board of Directors for the Children's Home Society of West Virginia and was named “West Virginian of the Year” by the Governor's office and the state's largest newspaper.I Landau proudly released LANDAU LIVE IN LAS VEGAS a pre-pandemic recording at Caesars Palace that includes several never-before-released tracks. Enjoy Landau's unique take on the Great American Songbook as well as classic R&B, all backed by his long-time stellar musicians in LANDAU'S LITTLE BIG BAND, with guest background vocals by former Temptations and Four Tops lead singer Theo Peoples!© 2025 Building Abundant Success!!2025 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

Welcome to the Christmas series! Caesar's decree for a nationwide census couldn't come at a worse time for Mary and Joseph. But perhaps this journey to Bethlehem is exactly what God planned all along.  Sign up for special devotionals at StoriesoftheMessiah.com. As we dive deeply into iconic Bible heroes' enthralling narratives, we find more than just stories of faith and miracles. We discover a recurrent theme, a spiritual undertone that connects each tale to the grandeur of the Gospel. They're not just standalone legends; they're threads in a divine tapestry, weaving a story that foreshadows Jesus Christ, the ultimate hero, the promised Messiah who brings light to the darkest corners of history. For more Bible stories download the Pray.com app.  To learn more about Rabbi Schneider visit https://discoveringthejewishjesus.com/ See omnystudio.com/listener for privacy information.

Charlie Robinson joins the Boyz to break down his Riot Inc investigation into the dark-money networks behind the protest industrial complex and his upcoming look at 5th Generation Warfare. He connects major philanthropic power players with psychological, economic, and information tactics, warning that riots on demand and modern warfare could shape America as we move toward 2026.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Las Vegas, NV: Tin Foil Hat Comedy Live At The Virgin HotelNov 21st https://www.etix.com/ticket/p/95279813/tin-foil-hat-comedy-with-sam-tripoli-and-eddie-bravo-las-vegas-24-oxford Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check out Andy Hunt's internet: Please check Charlie Robinson's internet: Website: http://theoctopusofglobalcontrol.com/ Linktree: https://linktr.ee/Macroaggressions Website: https://www.activistpost.com Twitter: https://x.com/macroaggressio3 Podcast: Macroaggressions- https://bit.ly/42x2fjQ Please check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PlSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Thank You To Our Sponsors:Home Chef: Home Chef delivers fresh ingredients and chef-designed recipes, conveniently to your doorstep to simplify your cooking experience. Users of leading meal kits have rated Home Chef #1 in quality, convenience, value, taste, AND recipe ease. For a limited time, Home Chef is offering my listeners FIFTY PERCENT OFF and free shipping for your first box PLUS free dessert for life! Go to Home Chef dot com slash TINFOIL.Mint Mobile: This year, skip breaking a sweat AND breaking the bank. Get this new customer offer and your 3-month Unlimited wireless plan for just 15 bucks a month at MINT MOBILE dot com slash tinfoil. That's MINT MOBILE dot com slash tinfoil. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What is up, Theology Nerds! So this episode we got my friend Diana Butler Bass back in the house to talk about her brand new book A Beautiful Year and this open online Advent class we're doing together over the next four weeks. Here's the deal: Diana's gonna walk us through how the Christian liturgical year—especially the lectionary—actually saved her faith during the pandemic when the church doors closed. She unpacks the lectionary as a real deep, anti-imperial, feminist, creation-care kind of reading that shows how Jesus is literally challenging Caesar through the gospel accounts. We break down why that matters for how we read the four Gospels and their unique takes on the Incarnation, and this is the crucial part: how all of this ancient story stuff actually orients us for what's happening right now with Christian nationalism and all that ugliness. The Advent class is donation-based (yeah, pay what you want), and you can catch it live each week or grab the video and audio later. Head to homebrewedclasses.com to sign up. Trust me, you're gonna want in on this conversation. Diana Butler Bass, Ph.D., is an award-winning author, popular speaker, inspiring preacher, and one of America's most trusted commentators on religion and contemporary spirituality. UPCOMING ONLINE ADVENT CLASS w/ Diana Butler Bass⁠⁠⁠⁠⁠⁠⁠ Join us for a transformative four-week Advent journey exploring how the four gospels speak their own revolutionary word against empire—both in their ancient context under Roman occupation and for our contemporary world shaped by capitalism, militarism, and nationalism.  This course invites you into an alternative calendar and rhythm. We'll discover how these ancient texts of resistance offer wisdom for our own moment of political turmoil, economic inequality, and ecological crisis. This class is donation-based, including 0. You can sign-up at ⁠⁠⁠⁠⁠⁠⁠www.HomebrewedClasses.com⁠⁠⁠⁠⁠⁠⁠ This podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠Homebrewed Christianity ⁠⁠⁠⁠⁠⁠⁠⁠production. Follow ⁠⁠⁠⁠⁠⁠⁠⁠the Homebrewed Christianity⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠Theology Nerd Throwdown⁠⁠⁠⁠⁠⁠⁠⁠, & ⁠⁠⁠⁠⁠⁠⁠⁠The Rise of Bonhoeffer⁠⁠⁠⁠⁠⁠⁠⁠ podcasts for more theological goodness for your earbuds. Join over 70,000other people by joining our ⁠⁠⁠⁠⁠⁠⁠⁠Substack - Process This!⁠⁠⁠⁠⁠⁠⁠⁠ Get instant access to over 50 classes at ⁠⁠⁠⁠⁠⁠⁠⁠www.TheologyClass.com⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast, drop a review⁠⁠⁠⁠⁠⁠⁠⁠, send ⁠⁠⁠⁠⁠⁠⁠⁠feedback/questions⁠⁠⁠⁠⁠⁠⁠⁠ or become a ⁠⁠⁠⁠⁠⁠⁠⁠member of the HBC Community⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Political solutions feel increasingly out of reach in the United States. Congress cannot pass a budget and has offloaded most of its legislative duties to lobbyists and the permanent bureaucracy. The judiciary spends more time blocking lawful presidential action than interpreting law. Executive agencies drag their feet under activist judges and rebellious career staff. Inflation continues to punish households, the health care system teeters, and American workers watch themselves being replaced by imported labor. In moments like these, people look for someone who can simply make the system function again. That is how you get a Caesar. Follow on: Apple: https://podcasts.apple.com/us/podcast/the-auron-macintyre-show/id1657770114 Spotify: https://open.spotify.com/show/3S6z4LBs8Fi7COupy7YYuM?si=4d9662cb34d148af Substack: https://auronmacintyre.substack.com/ Twitter: https://twitter.com/AuronMacintyre Gab: https://gab.com/AuronMacIntyre YouTube:https://www.youtube.com/c/AuronMacIntyre Rumble: https://rumble.com/c/c-390155 Odysee: https://odysee.com/@AuronMacIntyre:f Instagram: https://www.instagram.com/auronmacintyre/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Share a commentGrace doesn't wait for perfect conditions; it reaches the soul right where life feels unmoved. We close our journey through Philippians by tracing how Paul's final lines pull the whole letter into focus: greet every saint, honor the family of faith, and rest in the grace that Christ applies to the spirit, not the circumstances. Along the way, we dismantle the myth of sainthood as a status for a rare few and recover the New Testament vision—saints are all believers set apart in Christ, called, known, and needed.We walk through Paul's four circles of greeting: the local church in Philippi, the brothers beside him, the wider community of believers in Rome, and the surprising believers within Caesar's household. Each circle reveals something vital about a gospel-shaped community. Leaders speak dignity to every member. Brothers and sisters belong to each other because they belong to Christ. Bridges get built even when disappointment lingers. And the gospel advances in unlikely places, reminding us that grace is not fragile; it flourishes under pressure.Throughout the conversation, we keep returning to the center—Jesus Christ. Identity, joy, contentment, and perseverance are not self-manufactured; they are rooted in union with Him. That means we don't pray on the strength of a good week, and we don't serve on the basis of a flawless record. We live under a lavish downpour of unmerited favor, enough for each trial and every day until faith becomes sight. If you've ever wondered whether you're worthy to be used by God, or if your past disqualifies you from hope, this message invites you to breathe again: you are a saint by calling, a sibling in a family, and a witness to grace at work.If this encouraged you, follow the show, share it with a friend who needs hope, and leave a review to help others discover these teachings.Support the showStephen's latest book, The Disciples Prayer, is available now. https://www.wisdomonline.org/store/view/the-disciples-prayer-hardback

In the latest episode of Tin Foil Hat, Sam and Andy Hunt dig into the strange death of Freddie Prinze, the nineteen year old superstar treated by hypnotism expert William Kroger as he grew obsessed with the JFK assassination, raising questions about what really happened the night he died. Andy also breaks down celebrities with surprisingly weird family histories and deep ties to major events, plus a look at how human cloning was openly discussed as imminent in the 1970s long before it became a modern conspiracy topic.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Las Vegas, NV: Tin Foil Hat Comedy Live At The Virgin HotelNov 21st https://www.etix.com/ticket/p/95279813/tin-foil-hat-comedy-with-sam-tripoli-and-eddie-bravo-las-vegas-24-oxford Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check out Andy Hunt's internet: Website: https://www.control-alt-history.com/ Youtube: https://www.youtube.com/@ControlAltHistory Twitter: https://x.com/ControlAltHstryPatreon: https://www.patreon.com/controlalthistoryPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PlSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Huge Thank You To Our Sponsor: HIMS: No man wants to lose his hair, but for men, it's actually very common. And now with Hims, the solution is simple. Try Hims' hair loss solutions and you'll be joining hundreds of thousands of subscribers who got their flow back. Start your free online visit today at Hims dot com slash TINFOILHAT. That's hims.com/TINFOILHAT for your personalized hair loss treatment options.Upside: The free UPSIDE gets you cash back on daily essentials like gas, groceries and dining. Upside has given back $1Billon dollars to it users. To find out how much you could earn download the FREE Upside App and use the promo code TINFOILHAT to get an extra 25 cents fir every gallon on your first tank of gas, That's an extra 25 cents back for every Gallon on your first tank of gas, using the promo code TINFOILHATSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Syria's Complex Geopolitics: Air Bases, Sanctions, Accountability, and Great Power Mediation Guest: Ahmad Sharawi Ahmad Sharawi discussed the non-transparent situation in Syria, focusing on reports of potential US air bases (Mezzeh and Dumayr), with denials from the Syrian government suggesting they won't possess the bases but might allow US use for counter-ISIS missions or potentially a security agreement requested by Israel for deconfliction, noting a recent US C-130 spotted landing at the Mezzeh air base near Damascus, while during a reported White House visit, Syrian requests included the removal of Caesar sanctions (partially waived by President Trump) and an Israeli withdrawal from the southern border buffer zone, with domestic movement towards accountability for the Suwayda province massacre and government security forces being arrested, as a Russian military delegation visited Damascus and southern Syria, potentially acting as a deconfliction mechanism between Syria and Israeli forces, with Russia's goal appearing to be balancing regional interests while maintaining its bases in western Syria. 1307

SHOW 11-17-25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR 1899 UKRAINE THE SHOW BEGINS IN THE DOUBTS ABOUT POTUS... FIRST HOUR 9-915 Pakistan's Military Dominance: Field Marshal Munir's Power and US Relations Guest: Ambassador Husain Haqqani Ambassador Husain Haqqani detailed the institutional dominance of Pakistan's military, noting that Parliament recently granted Field Marshal Asim Munir legal immunity for life and expanded his power by designating him Chief of Defense Forces, giving him control over the entire military, as Munir aims for presidential privileges without directly taking power, backed by a national narrative that Pakistan is perpetually under threat from India, and gained significant political and psychological advantage through two meetings and praise from President Trump, despite no new US aid or weapons, while Trump, who favors strongmen, may also be using this praise to leverage concessions from Indian Prime Minister Modi, as Munir is taking risks by adopting a firmer stance regarding violence on the Northwest frontier with the Taliban, an approach not well received by the Afghans, with Pakistani politicians historically conceding ground to the military to secure a shared portion of power. 915-930 CONTINUED Pakistan's Military Dominance: Field Marshal Munir's Power and US Relations Guest: Ambassador Husain Haqqani Ambassador Husain Haqqani detailed the institutional dominance of Pakistan's military, noting that Parliament recently granted Field Marshal Asim Munir legal immunity for life and expanded his power 930-945 China's Economic Slump: Export Decline, Policy Failures, and Property Market Stagnation Guests: Anne Stevenson-Yang and Gordon Chang Anne Stevenson-Yang and Gordon Chang discussed the unprecedented slump in China's economic activity, noting cooled investment and slowing industrial output, with exports falling 25% to the US, attributing this long-term decline to the government's 2008 decision to pull back economic reforms and the current 15th Five-Year Plan lacking viable solutions or bailouts for hurting localities, while consumption remains dangerously low (around 38% of GDP) and is expected to shrink further as the government prioritizes technological development and factory production, with the property market collapsing as capital investment, land sales, and unit prices decline, forcing people to hold onto decaying apartments and risking stagnation for decades similar to Japan post-1989, a problem largely self-created due to overcapacity, although other countries like Brazil are also restricting Chinese imports. 945-1000 China's Role in Global Drug Epidemics: Meth Precursors and Weaponizing Chemicals. Guests: Kelly Curry and Gordon Chang. Kelly Curry and Gordon Chang detailed China's crucial role in the global drug trade, asserting that China's chemical exports are fueling a "tsunami of meth" across Asia. Chinese manufacturers supply meth precursor chemicals to warlords, notably the Chinese-aligned, US-sanctioned United Wa State Army in Myanmar. This production (Yaba/ice) is believed to have been diverted from China's domestic market in the 1990s. Both guests confirmed this activity is impossible without the explicit knowledge and support of the Central Committee, noting China grants export subsidies, tax rebates, and uses state banks for money laundering associated with the drug trade. China benefits financially and strategically by weakening US-backed allies like Thailand and South Korea who are flooded with the drugs. This structure mirrors the fentanyl crisis in North America, and experts predict increasing co-production and sharing of chemical methods between Asian drug groups and Mexican cartels. SECOND HOUR 10-1015 Syria's Complex Geopolitics: Air Bases, Sanctions, Accountability, and Great Power Mediation Guest: Ahmad Sharawi Ahmad Sharawi discussed the non-transparent situation in Syria, focusing on reports of potential US air bases (Mezzeh and Dumayr), with denials from the Syrian government suggesting they won't possess the bases but might allow US use for counter-ISIS missions or potentially a security agreement requested by Israel for deconfliction, noting a recent US C-130 spotted landing at the Mezzeh air base near Damascus, while during a reported White House visit, Syrian requests included the removal of Caesar sanctions (partially waived by President Trump) and an Israeli withdrawal from the southern border buffer zone, with domestic movement towards accountability for the Suwayda province massacre and government security forces being arrested, as a Russian military delegation visited Damascus and southern Syria, potentially acting as a deconfliction mechanism between Syria and Israeli forces, with Russia's goal appearing to be balancing regional interests while maintaining its bases in western Syria. 1015-1030 CONTINUED Syria's Complex Geopolitics: Air Bases, Sanctions, Accountability, and Great Power Mediation Guest: Ahmad Sharawi Ahmad Sharawi discussed the non-transparent situation in Syria, focusing on reports of potential US air bases (Mezzeh and Dumayr), with denials from the Syrian government... 1030-1045 Venezuela Crisis: Potential Maduro Exit and Shifting Political Tides in Latin America Guests: Ernesto Araújo and Alejandro Peña Esclusa Alejandro Peña Esclusa and Ernesto Araújo discussed the crisis in Venezuela, noting a powerful US fleet gathered nearby, with Maduro fearing military intervention and reportedly wanting to discuss surrender conditions with President Trump, though his exit is complicated by his ally Diosdado Cabello, who heads operations for the Cartel of the Suns and has no path for redemption, while Maduro's potential fall would deliver a severe blow to the organized crime and drug trafficking networks that permeate South America's political structures, with the opposition, led by María Corina Machado, having transition plans, and Brazilian President Lula neutralized from strongly opposing US actions due to ongoing tariff negotiations with Trump, as the conversation highlighted a new conservative political wave in Latin America, with optimism reported in Argentina following elections that strengthened Javier Milei, and in Chile, where conservative José Antonio Kast is strongly positioned, representing a blend of economic freedom, anti-organized crime platforms, and conservative values. 1045-1100 CONTINUED Venezuela Crisis: Potential Maduro Exit and Shifting Political Tides in Latin America Guests: Ernesto Araújo and Alejandro Peña Esclusa Alejandro Peña Esclusa and Ernesto Araújo discussed the crisis in Venezuela, noting a powerful US fleet gathered nearby, with Maduro fearing military intervention and... THIRD HOUR 1100-1115 1/4 Jews Versus Rome: Two Centuries of Rebellion and the Cost of Diaspora Revolts Professor Barry Strauss of Cornell University, Professor Emeritus and Senior Fellow at the Hoover Institution, discusses the history of Jewish resistance against the Roman Empire as detailed in his book Jews versus Rome. Following the destruction of the Temple and Jerusalem, rebellion continued among Jewish communities scattered across the Roman world. 1115-1130 CONTINUED 2/4 During Emperor Trajan's campaign against the Parthian Empire, a widespread and coordinated "diaspora revolt" erupted in 115–117 AD, beginning in Libya and spreading to Egypt, Cyprus, and Mesopotamia. This was a major challenge, forcing Trajan to divert a legion, as Egypt was the empire's strategic breadbasket. The revolt was spurred by the insulting Jewish tax, the fiscus Judaicus, paid to Jupiter, and the frustrated expectation that the Temple would be rebuilt within 70 years. The Jewish community in Alexandria, possibly the largest Jewish city in the ancient world, was wiped out during the suppression, a disaster for diaspora Judaism. 1130-1145 CONTINUED 3/4 srajan's successor, Hadrian, revered the war against Parthia but recognized the Jews' disloyalty. Starting in 117 AD, Hadrian planned to rebuild Jerusalem as a pagan city named Aelia Capitolina to demonstrate that the Temple would never be restored and to discourage collusion between Jews and Parthians. This provoked the Bar Kokhba Revolt in 132 AD. The leader, Simon Bar Kosa, took the messianic title Bar Kokhba, meaning "Son of the Star," and was accepted as the Messiah by some leading rabbis, including Rabbi Akiva. 1145-1200 CONTINUED The rebels utilized successful asymmetrical warfare, operating from underground tunnel systems and ambushing Roman forces. The conflict was so severe that Hadrian deployed reinforcements from across the empire, including Britain, and the Roman army was badly mauled. The revolt ended bloodily at the stronghold of Betar. As lasting punishment for centuries of trouble and rebellion, the Romans renamed the province from Judea to Syria Palestina. Pockets of resistance continued, notably the Gallus Revolt in 351–352 AD. Guest: Professor Barry Strauss. FOURTH HOUR 12-1215 Iran's Multi-Faceted Crises: Water Scarcity, Pollution, and Transnational Repression Guest: Jonathan Sayah Jonathan Sayah discussed the multi-faceted crises plaguing Iran, reflecting poor management and ecological decline, with Tehran overwhelmed by severe water scarcity as dams dry up and crippling air pollution with CO2 levels 10 times the WHO standard, while the water crisis is worsened by the regime, especially IRGC-affiliated contractors, who prioritize their support base through unregulated mega-projects, leading to rivers and lakes drying up, a deliberate deprivation of clean water that constitutes a human rights violation, as environmental disasters have driven widespread internal migration into Tehran, taxing infrastructure and leading to issues like land subsidence, with the population considered "prime for unrest," while separately, Iran continues its policy of transnational repression, highlighted by the recent foiled plot to assassinate Israel's ambassador in Mexico, as Iran targets both Israeli/American officials and relies on criminal networks to repress Iranian dissidents abroad, while consistently holding American dual citizens hostage as political leverage. 1215-1230 CONTINUED 1230-1245 Ukraine Conflict: French Arms Deal, Sabotage, and the Perilous Battle for Pokrovsk. Guest: John Hardy. John Hardy reported that Ukraine signed a letter of intent with France to obtain 100 Rafale warplanes over 10 years, along with air defense systems. While this partnership is encouraging, Hardy expressed concern that Ukraine is excessively over-diversifying its future air fleet (including F-16, Grippen, Mirage, and Rafale) which complicates long-term sustainment and maintenance. Simultaneously, alarming reports surfaced that sabotage was blamed for an explosion on a major railway line in Poland used to supply Ukraine, fitting a pattern of suspected Russian covert operations against European infrastructure. On the battlefield, fighting continues in Pokrovsk (Picro). Hardy warned that if Ukrainian forces prioritize a politically motivated hold, they risk the encirclement and destruction of troops in nearby areas. Poor weather, such as fog, plays a significant role in the conflict, as Russians often time assaults during these conditions to impede Ukrainian aerial reconnaissance and FPV drones 1245-100 AM raq Elections and Yemen's Houthi Crackdown Guest: Bridget Toomey Bridget Toomey discussed recent developments in Iraq and Yemen, noting that Iraqi parliamentary elections saw a higher-than-expected 56% voter turnout, with preliminary results suggesting Shiite parties close to Tehran performed well and might secure enough seats to form the next government, despite internal infighting and votes remaining largely sectarian, while Prime Minister Mohammed Shia al-Sudani received credit for stability and his party performed strongly, though many Iraqis doubt the elections affect real change, believing critical decisions are made via elite backroom deals, and turning to Yemen, the Houthis announced the arrest of a purported Saudi-American-Israeli spy ring, a paranoid crackdown following Israel's successful targeting of Houthi government and military leaders in August, with arrests including 59 UN workers and prosecutors requesting the death sentence for 21, aiming to intimidate domestic dissent and signal resolve to Western and regional adversaries, especially in sensitive Houthi locations in Sana'a.

The boys are back and this week Jesse's cousin comes into town and boy does he have stories to tell. Also have you been on booktok? No? What about the weird sexy world of cottagecore? Well Jesse's been all up in that. And now Crendor is along for the ride. Also for some reason Australia doesn't know the difference between August and Julius Caesar. All this and more on Cox n' Crendor! Visit http://HeroForge.com to start designing your custom miniature and dice today and check back often: new content is added every week. Go to http://greenchef.com/50cox and use code 50COX to get 50% off your first month, then 20% off for two months with free shipping.

In this episode of Tin Foil Hat, Sam Tripoli and guest John Bryan break down the biggest mistakes people make during traffic stops, police visits at home, and pedestrian encounters. They also dive into 2nd Amendment essentials, from drawing your personal lines in the sand to understanding self-defense and how CCW holders should handle interactions with law enforcement.Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Las Vegas, NV: Tin Foil Hat Comedy Live At The Virgin HotelNov 21st https://www.etix.com/ticket/p/95279813/tin-foil-hat-comedy-with-sam-tripoli-and-eddie-bravo-las-vegas-24-oxford Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check out Eddie Bravo's internet:Youtube: https://www.youtube.com/@thecivilrightslawyerWebsite: https://thecivilrightslawyer.com/Twitter: https://x.com/johnbryanesqPlease check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PlSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Huge Thank You To Our Sponsor: Blue Chew: Make life easier by getting harder and discover your options at BlueChew.com! And we've got a special deal for our listeners: Try your first month of BlueChew FREE when you use promo code TINFOIL -- just pay $5 shipping. That's promo code TINFOIL. Visit BlueChew.com for more details and important safety information, and we thank BlueChew forsponsoring the podcast.Quince: Give and get timeless holiday staples that last this season with Quince. Go to Quince dot com slash TINFOILHAT for free shipping on your order and 365-day returns. Now available in Canada, too. That's Q-U-I-N-C-E dot com slash TINFOILHAT. Free shipping and 365-day returns. Quince dot com slash TINFOILHATSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

New Tin Foil Hat episode! Sam Tripoli and Eddie Bravo dive into the weirdness of 9/11, sports betting rigging, and Israel's real motives with that classic TFH mix of comedy and chaos. Don't miss the live Tin Foil Hat Comedy Show on Nov 21 at the Virgin Hotel in Las Vegas. Please subscribe to the new Tin Foil Hat youtube channel: https://www.youtube.com/@TinFoilHatYoutubeCheck out Sam Tripoli's 4th Crowd Work Special "Deep Dish: Live From Chicago" Oct 4th on Youtube.com/SamTripoliComedyGrab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos:https://bit.ly/415fDfYCheck out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin!Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now! Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show.CopyMyCrypto.com: The 'Copy my Crypto' membership site shows you the coins that the youtuber 'James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: https://copymycrypto.com/tinfoilhat/ You'll not only find proof of everything I've said - but my listeners get full access for just $1LiveLongerFormula.com: Check out https://www.livelongerformula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues.Want to see Sam Tripoli live? Get tickets at SamTripoli.com:Las Vegas, NV: Tin Foil Hat Comedy Live At The Virgin HotelNov 21st https://www.etix.com/ticket/p/95279813/tin-foil-hat-comedy-with-sam-tripoli-and-eddie-bravo-las-vegas-24-oxford Minneapolis: Headlining The House Of Comedy Dec 11th-13th https://samtripoli.com/events/?paged=3 Morris Plains, NJ: New Year's Eve At The Dojo Of Comedy Dec 31st https://www.tiffscomedy.com/events/121228 Atlantic City, NJ: Word War Debate: WW1 Live At the ACX1 inside Caesar's Place Jan 10thhttps://www.showpass.com/wordwardebate/Please check out Eddie Bravo's internet:Website: https://www.10thplanetjj.com/Instagram: https://www.instagram.com/eddiebravo10p/Please check out Sam Tripoli's internet:Linktree: https://linktr.ee/samtripoli Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Sam Tripoli's Comedy Instagram: https://www.instagram.com/samtripolicomedy/ PlSam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/ Huge Thank You To Our Sponsor: Cornbread Hemp: If you're looking for a healthier way to enjoy a carefree moment, you have to give Cornbread Hemp a try! They've created the first-ever USDA Organic THC gummy that's 100% legal. As a special offer for Tin Foil Hat listeners, you can get 30% off your first order! Just visit cornbreadhemp.com/TinFoil and use promo code TinFoil at checkout. Again that's cornbreadhemp.com/TinFoil and use code TinFoil for 30% off your first order. Cheers to a healthier happy hour!True Werk: TRUEWERK is hell-bent on creating the most technical, high-performance workwear in the world. The TRUEWERK story begins in the Colorado mountains where a trade worker knew there had to be a better solution than the wet, heavy gear that was weighing him down. Check out the full lineup and get 15 percent off your first order at TRUEWERK.com/tinfoil.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.