Podcasts about California

Throwbacks are where I re-release old episodes from the archives. So don't worry if you have heard it already, as 'New episodes' will continue to come out on Sundays. To get some of the old episodes heard.~~~We have the pleasure of having Mari on this episode from California, and Mari's experiences of abductions and UFO sightings go back to the early 1950s, some of which will be shared with us tonight.More information on this episode on the podcast website:https://ufochroniclespodcast.com/ep-178-talking-to-the-spacemen/Want to share your encounter on the show? Email: UFOChronicles@gmail.comOr Fill out Guest Form: https://forms.gle/WMX8JMxccpCG2TGc9Podcast Merchandise:https://www.teepublic.com/user/ufo-chronicles-podcastHelp Support UFO CHRONICLES by becoming a Patron:https://patreon.com/UFOChroniclespodcastx: https://x.com/UFOchronpodcastThank you for listening!Like share and subscribe it really helps me when people share the show on social media, it means we can reach more people and more witnesses and without your amazing support, it wouldn't be possible.Become a supporter of this podcast: https://www.spreaker.com/podcast/ufo-chronicles-podcast--3395068/support.

January 13, 2016, was a chilly winter day in Sonora, California. That day, thirty-four-year-old Troy Galloway was reportedly at home with his wife and young daughter when the couple had a disagreement. According to his wife, Troy ran out of the house and into the cold, snowy yard wearing only a t-shirt, jeans, and shoes. Troy never returned, and no one has seen or heard from him since. A couple of days later, Troy's mother, Nancy, who was back home a few hours away in Santa Cruz, received a text from Troy's wife saying that he was missing. Nancy was both shocked and frustrated that she hadn't been notified sooner. At that point, Troy still had not been reported missing, and once he was, a jurisdictional mix-up further delayed search efforts.Since Troy was not reported missing right away, it took time to connect his disappearance to a commotion that neighbors said they heard the night he vanished. The neighbors were concerned enough to report it to law enforcement that evening. However, learning that information didn't bring anyone closer to finding Troy; it only deepened the mystery. If Troy had truly run from the home on foot that night, underdressed for the January weather, where did he go? How did he disappear without a trace? And was that commotion heard by neighbors connected to Troy's disappearance?For nearly a decade, Troy's loved ones have been trying to piece together what clues they have to answer those questions. Today, they're hoping to reach someone who holds the missing piece that could finally explain what happened to Troy Galloway back in January of 2016.If you have any information about the disappearance of Troy Galloway, please contact the Tuolumne Sheriff's Office at (209) 533-5855.If you have a missing loved one that you would like to have featured on the show, please fill out our case submission form.Follow The Vanished on social media at:FacebookInstagramPatreonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Allison Mack is arrested in Brooklyn and taken into federal custody, her devotion to NXIVM still unshaken. As she begins house arrest in California, her mother tries desperately to reach her, while prosecutors chip away at her belief system with mounting evidence. Meanwhile, fellow DOS member Lauren Salzman breaks ranks, deciding to testify against Keith Raniere. As Keith's trial unfolds in a packed Brooklyn courtroom, Allison is forced to confront the reality of what she did—and who she became.Hear episodes early by finding them on our YouTube channel or by subscribing to CBC True Crime Premium on Apple Podcasts where episodes are also ad-free.

Prediabetes is common in the U.S. — around 1 in 3 people have it. And many people may not know they have it. But last year, the FDA approved the first over-the-counter continuous glucose monitor. Since then, more people without diabetes have started checking their blood glucose levels. Diabetologist and University of California, San Francisco professor of medicine Dr. Sarah Kim shares the science behind blood glucose with host Emily Kwong. Check out more of NPR's coverage about continuous glucose monitors.Interested in more science of the human body? Email us your question at shortwave@npr.org.Listen to every episode of Short Wave sponsor-free and support our work at NPR by signing up for Short Wave+ at plus.npr.org/shortwave.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Game theory is a way of quantitatively describing what happens any time one thing interacts with another thing, when both things have goals and potential rewards. That's a pretty broad class of interesting events, so it is unsurprising that game theory is a useful way of thinking about everything from international relations to the evolution of peacock feathers. I talk with philosopher Kevin Zollman about what game theory is and how it gets used in biology and human interactions. We discuss how thinking in game-theoretic terms can help understand the origin of meaning and intentionality in human language.Blog post with transcript: https://www.preposterousuniverse.com/podcast/2025/12/01/337-kevin-zollman-on-game-theory-signals-and-meaning/Support Mindscape on Patreon.Kevin Zollman received his Ph.D. in philosophy from the University of California, Irvine. He is currently the Herbert A. Simon Professor of Philosophy and Social and Decision Sciences in the Department of Philosophy at Carnegie Mellon University. He is also an associate fellow at the Center for Philosophy of Science at the University of Pittsburgh, and a visiting professor at the Munich Center for Mathematical Philosophy. He serves as the Director of the Institute for Complex Social Dynamics at CMU. He is the co-author, with Paul Raeburn, of The Game Theorist's Guide to Parenting.Web siteCMU web pageGoogle Scholar publicationsPhilPeople profileSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

MUSICFlea of Red Hot Chili Peppers has launched his own YouTube channel. His first video is called “Thinkin” and it shows him playing a trumpet for a toddler. https://www.youtube.com/@OfficialFlea Saturday night in Mexico City, Limp Bizkit played their first show since bassist Sam Rivers's death on October 18th. The show opened with a video tribute to Rivers set to the band's song "Drown." The members, along with fill-in bassist Richie Buxton, stood on stage and watched the video before they started their set with "Break Stuff."Mariah Carey rakes in more than $2.5 million in royalties . . . EVERY YEAR . . . from "All I Want for Christmas Is You". TVIf I asked you to name a celebrity who demonstrates ABOVE AVERAGE BRAIN POWER . . . who comes to mind? If you immediately started thinking about "The Kardashians", you might want to sit down for this . . . https://people.com/kim-kardashian-learns-she-has-low-brain-activity-new-scan-11858713 David Letterman‘s next subject on his Netflix interview series My Next Guest Needs No Introduction is Adam Sandler. https://variety.com/2025/tv/news/david-letterman-interview-adam-sandler-my-next-guest-1236582481/ The stage is set for Super Bowl 60 on February 8 in Santa Clara, California. https://www.nfl.com/news/charlie-puth-brandi-carlile-coco-jones-to-perform-ahead-of-super-bowl-lx-kickoff?campaign=nfl-np-af-pa-2018653&affiliateId=3782&affiliateCustomId=01GJFNK1PCSM64316DS43XCZ31_01KBCSH3S4SRX0N1HCV3SQEXT0&clickId=5292093398 Home Improvement star Zachery Ty Bryan was arrested Saturday in Eugene, Oregon — the sixth time in five years — for allegedly violating the probation tied to a prior domestic-violence conviction.The 44-year-old remained held without bail at Lane County Jail and is scheduled for possible release on Wednesday. His fiancée, Johnnie Faye Cartwright, was also arrested and faces five charges, including DUI, reckless endangering and attempted first-degree assault.Bryan's legal troubles include multiple arrests in recent years — from DUI charges in 2024 to a 2023 felony assault conviction and prior domestic-violence cases. MOVING ON INTO MOVIE NEWS:Disney's animated sequel Zootopia 2 dominated the domestic box office with $156 million in North America. https://www.hollywoodreporter.com/movies/movie-news/zootopia-2-rules-thanksgiving-box-office-1236437850/ The holidays are here, and Tom Cruise‘s famous Christmas cake has joined the conversation! https://www.goldbelly.com/restaurants/doans-bakery/white-chocolate-coconut-bundt-cake· AND FINALLY The Metal Hall of Fame has announced its Class of 2026:Former WASP guitarist Chris HolmesLA Guns founder Tracii GunsRatt guitarist Warren DiMartiniPoison drummer Rikki RockettFormer MTV 'Headbangers Ball' host Riki RachtmanA celebration is planned for January 21st in Los Angeles. "We invite all the fans to join us in celebrating the '80s," says Metal Hall of Fame founder/CEO Pat Gesualdo. "Get ready to unleash your inner metal spirit, and dress in leather, studs, big hair and all the metal you can handle."https://loudwire.com/metal-hall-of-fame-2026-induction-class/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week of Deck the Hallmark is presented by Racine Danish Kringles. Exclusive 10% off entire order -  www.kringles.com  // Promo Code:  HALLMARK25---The amazing Dave White joins us to break down this year's animal-themed Hallmark Christmas movie: Christmas at the Catnip Café.ABOUT CHRISTMAS AT THE CATNIP CAFÉOlivia Pierce, a marketing executive, discovers her late great aunt's cat café in New York, which she believes will be a Christmas miracle. As she helps plan fundraising events, Olivia gains a deeper appreciation for the feline inhabitants and the special place her great aunt created.AIR DATE & NETWORK FOR CHRISTMAS AT THE CATNIP CAFÉNovember 30, 2025 | Hallmark Movies & MysteriesCAST & CREW OF CHRISTMAS AT THE CATNIP CAFÉPaul Campbell as BenErin Cahill as OliviaBRAN'S CHRISTMAS AT THE CATNIP CAFÉ SYNOPSISThe movie kicks off with a TON of kittens. Suddenly, we flash back 30 years: a young Olivia is walking into her house when she hears something… could it be a cat? And that's it for the flashback—obviously, a necessary flashback.Cut to the present day. Olivia is checking out a place way out of her price range when she gets a text from a lawyer: they need to talk about her aunt's estate. She's been given half of a cat cafe. Olivia's wheels start turning—if she can convince the other owner, Ben, to sell the cafe, maybe she can afford that dream place!But Ben is no ordinary owner. He's an overly generous vet, giving pet care away for free and taking on way too many patients. The good news for Olivia: Ben never says no.She walks into the cafe, plays peekaboo with a cat, and dives straight into business with Ben. She wants him to sell. He's not having it—the cafe is very important to him and also acts as a place to get cats adopted.It turns out Ben lives right down the block from Olivia's aunt's house. He's searching for a binder about Catnip Christmas that's gone missing and is surprised to find Olivia there. She finds the binder, and he explains that Catnip Christmas was his aunt's pride and joy. He's not sure how he can manage it all on his own. Olivia offers to help—but only if he agrees not to delay the sale of the cafe.Ben says he doesn't want to sell. Olivia reminds him he can't stop the sale, only slow it down. She says she'll be all in on the project as long as he agrees to sell. He reluctantly agrees, thinking she won't actually want to move forward with the sale.Olivia quickly realizes she's in for a lot more than she expected: cat puppet shows, story time, and all sorts of festive events. Along the way, Olivia and Ben start getting closer. He even helps decorate her Christmas tree.Through a flashback, we learn that little Olivia once found a kitten outside her aunt's house. Could this cat cafe all stem from that moment?As they spend more time together, Ben opens up about feeling like life's big moments happen for everyone else—babies, milestones—and that he wants something for himself before it's too late. The sparks begin to fly, and while decorating the cafe for an event, Olivia and Ben share a big, sweet kiss.Complications arise when Olivia admits she still plans to sell—the life she has in California can't be ignored. She tells Ben it's hard because she really likes him. He reminds her that they made a deal, so he'll move forward with the sale.On her way out of town, Olivia stops at a mechanic and sees a kitten. The mechanic tells her he adopted it from this cat cafe. Olivia takes it as a sign and rushes back to the cafe—only to find the contract has already been signed with a developer. But the developer is holding a cat, so Olivia asks nicely… and he rips up the contract.Olivia is staying, and the movie ends with her and Ben celebrating—and kissing again. Watch the show on Youtube - www.deckthehallmark.com/youtubeInterested in advertising on the show? Email bran@deckthehallmark.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Some hauntings cling to a house. This one clings to people. For her, it started with a name spoken in an empty hallway and a cold hand that seemed to learn her every emotion. It wasn't tied to a basement or a cursed object. It was tied to her — touching her face, combing through her hair, throwing violent tantrums whenever she dared to pull away. Friends saw it. Dates felt it. One woke up gasping, certain something invisible was sitting on his chest. Her best friend swore it stood at the stairs in a black hood, tall enough to scrape the ceiling… and absolutely furious she was there. For him, it began years earlier in Tulare, California. Snakes in the corner. “People outside.” A glowing grandmother at the dresser the night after she died. Radios shutting off by themselves. Cabinets standing wide open at 3AM. Then came the static blast from a dead record player… and the black-robed figure that appeared during sleep paralysis, staring from the edge of the room like it had been waiting a very, very long time. Are these two people haunted by different entities…or the same kind of thing that never needed an address in the first place? #realghoststories #haunted #shadowpeople #demonicpresence #sleepparalysis #paranormalpodcast #trueghoststory #attachedspirit #supernaturalencounters #creepyencounters #ghoststoriesonline #spiritualwarfare Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Some hauntings cling to a house. This one clings to people. For her, it started with a name spoken in an empty hallway and a cold hand that seemed to learn her every emotion. It wasn't tied to a basement or a cursed object. It was tied to her — touching her face, combing through her hair, throwing violent tantrums whenever she dared to pull away. Friends saw it. Dates felt it. One woke up gasping, certain something invisible was sitting on his chest. Her best friend swore it stood at the stairs in a black hood, tall enough to scrape the ceiling… and absolutely furious she was there. For him, it began years earlier in Tulare, California. Snakes in the corner. “People outside.” A glowing grandmother at the dresser the night after she died. Radios shutting off by themselves. Cabinets standing wide open at 3AM. Then came the static blast from a dead record player… and the black-robed figure that appeared during sleep paralysis, staring from the edge of the room like it had been waiting a very, very long time. Are these two people haunted by different entities…or the same kind of thing that never needed an address in the first place? #realghoststories #haunted #shadowpeople #demonicpresence #sleepparalysis #paranormalpodcast #trueghoststory #attachedspirit #supernaturalencounters #creepyencounters #ghoststoriesonline #spiritualwarfare Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

0:00 Introduction: Leg strength for longevity0:37 Leg problems that affect longevity 10:41 Type 2 diabetes 13:50 The Soleus push-up 16:40 Sitting-rising test and longevity 19:43 More tips for strong legs Did you know that your legs can give early warning signs about underlying health conditions? The older you are, the more relevant this becomes! The following conditions that affect the legs can provide insight into your longevity and overall health. 1. Peripheral neuropathyThese symptoms of numbness, pain, tingling, or burning in the bottom of the feet or fingertips are often associated with diabetes. High levels of sugar in the bloodstream destroy the vascular and nervous systems.2. Ankle and foot edema Puffy legs and ankles, or pitting edema, often signify a serious problem with circulation involving the kidney, liver, or heart.3. Restless legs syndromeThis often occurs at night and is related to the overconsumption of sugar. Interference with your sleep can decrease longevity. Dietary changes, vitamin B1, and magnesium may help improve this condition. 4. Deep vein thrombosis Clots in the legs can break off and travel to the lungs. Around 90% to 95% percent of heart attacks are caused by clots. 5. Peripheral artery disease This type of atherosclerosis goes beyond the arteries of the heart and is caused by damage to the endothelial layer of the arteries. 6. Chronic venous insufficiency This is associated with a sedentary lifestyle and puts increased pressure on the heart. 7. Sarcopenia Age-related muscle loss is one of the top predictors of mortality. Protein and exercise are vital, especially as you age. Type 2 diabetes and blood sugar issues cause problems with the inside of the arteries, which often show up in your legs first. A low-carb diet and intermittent fasting can help reverse these issues, but this is often ignored by doctors. Benfotiamine and alpha-lipoic acid can also help with associated peripheral neuropathy.The soleus push-up can significantly improve your blood sugar and circulation, and the sitting-standing test is an excellent indicator of hip and core strength.Potassium, a low-carb diet, and the Soleus Push-up can all help improve edema and reduce excess water weight. Increasing nitric oxide supports the inner walls of the arteries, and consistent exercise and a sufficient amount of sleep can help strengthen the legs and increase longevity. Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the Director of Dr. Berg Nutritionals and author of the best-selling book The Healthy Keto Plan. He no longer practices, but focuses on health education through social media.Disclaimer: Dr. Eric Berg received his Doctor of Chiropractic degree from Palmer College of Chiropractic in 1988. His use of “doctor” or “Dr.” in relation to himself solely refers to that degree. Dr. Berg is a licensed chiropractor in Virginia, California, and Louisiana, but he no longer practices chiropractic in any state and does not see patients, so he can focus on educating people as a full-time activity, yet he maintains an active license. This video is for general informational purposes only. It should not be used to self-diagnose, and it is not a substitute for a medical exam, cure, treatment, diagnosis, prescription, or recommendation. It does not create a doctor-patient relationship between Dr. Berg and you. You should not make any change in your health regimen or diet before first consulting a physician and obtaining a medical exam, diagnosis, and recommendation. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition.

Join Jim and Greg for the Monday 3 Martini Lunch as they break down Minnesota Gov. Tim Walz facing intense backlash over a massive welfare fraud scandal, California's latest proof that minimum wage hikes only make things worse, and Texas Rep. Jasmine Crockett sounding increasingly like a 2026 U.S. Senate candidate.First, they're encouraged to see even the New York Times hammering Gov. Tim Walz for failing to stop hundreds of millions of dollars in public assistance fraud on his watch. It's partly because the evidence is irrefutable, but Jim also says the political handwriting is on the wall for last year's Democratic vice presidential nominee.They also point to new data showing California's $20 fast-food minimum wage is playing out exactly as critics predicted. The state lost 19,000 fast-food jobs over the past year while menu prices surged. Jim and Greg explain yet again why this policy cannot work but also question whether Democrats will ever learn.Finally, they rub their hands with glee as Rep. Jasmine Crockett signals she's preparing a U.S. Senate run in Texas next year. Jim and Greg look at the likely Democratic field and the potential for a fiery GOP primary too. They're both pretty skeptical that Crockett could win statewide or even keep it fairly close.Please visit our great sponsors:Give your liver the support it deserves with Dose Daily.  Save 35% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout.  Before you check out for the holidays, do one smart thing for your future with Noble Gold. Open a qualified account, you'll receive TEN 1-oz commemorative Silver Holiday Coins. Visit https://NobleGoldInvestments.com/3MLFor a limited time, try OneSkin for 15% off with code 3ML at https://OneSkin.co/3ML — please support our show and mention we sent you!

What does it mean to wait with hope? Gemma Ryan explores the story of Simeon—a man who waited decades for the Messiah—and invites us into three transformative questions: What are you waiting for? Who are you becoming as you wait? And what is sustaining you in the waiting? She shows us how waiting isn't passive but active, and how our seasons of in-between can become the very places where God refines and transforms us.Key Scripture Passages: Luke 2v1-7, 22-35; Psalm 130; Isaiah 40; Galatians 4v4This podcast and its episodes are paid for by The Circle, our community of monthly givers. Special thanks for this episode goes to: Kathleen from Dallas, Texas; Shailaja from Cranbury, New Jersey; Edward from Pacific Palisades, California; Jeremy from Shoreview, Minnesota; and David from Hove, East Sussex. Thank you all so much!If you'd like to pay it forward and contribute toward future resources, you can learn more at practicingtheway.org/give.

Winter blast threatens busiest travel day of the year; 4 killed, 11 injured in shooting during California birthday party; Congressional committees launch inquiries into second strike on alleged drug boat; and more on tonight's broadcast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Board-Certified Plastic Surgeon Dr. Jeffrey Roth of Las Vegas Plastic Surgery and co-host Darrell Craig Harris as they break down exactly what it takes to become a plastic surgeon. From the years of medical school and residency training to the intense commitment, discipline, and hands-on experience required, this episode gives a clear, insider look at the full journey. Perfect for future medical students, anyone considering a surgical specialty, or listeners curious about the path behind one of the most competitive fields in medicine. We invite you to contact us with your questions including suggestions for topics to cover on future episodes!  email: inquiry@darrellcraigharris.com Meet Dr. Jeffrey J. Roth from Las Vegas Plastic Surgery Drawn to medicine by his innate desire to help others, he received his medical degree from the University of Nevada School of Medicine. He completed his general surgery residency at the Medical College of Pennsylvania/Hahnemann University in Philadelphia and his plastic surgery residency at the University of California, San Francisco, serving as chief resident in both programs. He then furthered his training with a fellowship in microsurgery and hand surgery at USC, where he also served on the faculty. Having gathered the kind of expertise and experience that makes him a leader in his field, Dr. Roth returned to Las Vegas in 2003 and opened his practice, Las Vegas Plastic Surgery, Inc. Website www.JJRothMD.com  Social media www.Instagram.com/lasvegasplasticsurgery www.Instagram.com/lookinggoodfeelinggreatpodcast www.Facebook.com/lasvegasplasticsurgery www.Twitter.com/DrJeffreyRoth           

Morgan Norwood reports on the winter storm impacting travelers returning from the Thanksgiving holiday; Melissa Adan has the latest on the search for a suspect who police say left four people dead and 11 injured after opening fire at a birthday party in Stockton, California; Ian Pannell has details on the meeting between Trump administration officials and a Ukrainian delegation to discuss a peace plan; Selina Wang has details on the bipartisan calls to investigate a boat strike in the Caribbean; America Strong, the 911 call that changed lives;  and more on tonight's broadcast of World News Tonight. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In celebration of Salon Republic's 25th anniversary, Donovan turns the table and brings our host Eric Taylor on as a guest! Eric shares his journey from Texas to California, detailing his experiences in sports, education, and the eventual pivot to entrepreneurship in the salon industry.   He discusses the challenges faced while building his first salon, the importance of mentorship, and the lessons learned along the way.    This Week's Topics: Eric Taylor's Early Life and Background Lessons from Family: Work Ethic and Resilience College Years: Sports, Business, and Finding Passion Exploring Business Ideas Before Salon Republic The Birth of Salon Republic: Inspiration and Vision Choosing the First Location: Strategy and Insights The Challenges of Opening a Salon Early Success and Growing Pains Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out 'The Hair Game Podcast' playlist. Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews'  - Click on the empty purple stars (5 is the best)!  - Click on 'Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor

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  

Summary In this episode of Armed American Radio, host Mark Walters discusses various topics related to gun rights, self-defense, and the failures of gun control measures. The conversation includes a detailed analysis of a recent incident at a 7-Eleven where an employee defended herself with a firearm, the media's misrepresentation of gun violence statistics, and the ongoing issues with gun control in states like California and Virginia. The episode also touches on the implications of recent shootings involving Afghan nationals and the alarming trend of young criminals engaging in violent behavior without facing significant consequences. In this conversation, Mark Walters discusses various themes surrounding gun rights, self-defense, and the implications of corporate policies on personal safety. The dialogue touches on holiday shopping for gun-related gifts, the legal rights of individuals in self-defense situations, the rise of youth crime, and the cultural perspectives of pro-2A immigrants. The conversation also highlights the challenges posed by gun theft and criminal activity, as well as the broader societal impacts of gun control measures. Ultimately, the discussion emphasizes the importance of personal safety and the right to bear arms in America. Takeaways Self-defense is a fundamental right that should be protected. Corporate policies often misinterpret the safest response to criminal threats. Gun control measures do not effectively reduce crime rates. The media frequently misrepresents gun violence statistics to push agendas. Young criminals often evade serious consequences for their actions. Gun ownership is a responsibility that comes with the duty to protect oneself. Legislative changes in Virginia could significantly impact gun rights. The public must remain vigilant and active in defending their rights. Incidents of home invasions highlight the need for self-defense training. The political landscape surrounding gun rights is constantly evolving. Amazon is a major player in holiday shopping. Gun-related gifts are popular among enthusiasts. Self-defense laws vary by state, impacting individuals' rights. Criminals often acquire guns through illegal means, not stores. Youth crime is a growing concern, with calls for accountability. Pro-2A immigrants bring diverse perspectives to gun rights discussions. Gun control measures can infringe on personal freedoms. Corporate policies may conflict with individual safety needs. The importance of self-defense training is emphasized. The conversation highlights the need for awareness of legal rights. Keywords Armed American Radio, gun rights, self-defense, gun control, media bias, Virginia legislation, home invasion, crime statistics, 7-Eleven incident, Afghan national shooting, gun rights, self-defense, holiday shopping, youth crime, pro-2A immigrants, gun control, corporate policies, legal rights, criminal activity, accountability  

Summary In this episode of Armed American Radio, host Mark Walters discusses various topics related to gun rights, self-defense, and the failures of gun control measures. The conversation includes a detailed analysis of a recent incident at a 7-Eleven where an employee defended herself with a firearm, the media's misrepresentation of gun violence statistics, and the ongoing issues with gun control in states like California and Virginia. The episode also touches on the implications of recent shootings involving Afghan nationals and the alarming trend of young criminals engaging in violent behavior without facing significant consequences. In this conversation, Mark Walters discusses various themes surrounding gun rights, self-defense, and the implications of corporate policies on personal safety. The dialogue touches on holiday shopping for gun-related gifts, the legal rights of individuals in self-defense situations, the rise of youth crime, and the cultural perspectives of pro-2A immigrants. The conversation also highlights the challenges posed by gun theft and criminal activity, as well as the broader societal impacts of gun control measures. Ultimately, the discussion emphasizes the importance of personal safety and the right to bear arms in America. Takeaways Self-defense is a fundamental right that should be protected. Corporate policies often misinterpret the safest response to criminal threats. Gun control measures do not effectively reduce crime rates. The media frequently misrepresents gun violence statistics to push agendas. Young criminals often evade serious consequences for their actions. Gun ownership is a responsibility that comes with the duty to protect oneself. Legislative changes in Virginia could significantly impact gun rights. The public must remain vigilant and active in defending their rights. Incidents of home invasions highlight the need for self-defense training. The political landscape surrounding gun rights is constantly evolving. Amazon is a major player in holiday shopping. Gun-related gifts are popular among enthusiasts. Self-defense laws vary by state, impacting individuals' rights. Criminals often acquire guns through illegal means, not stores. Youth crime is a growing concern, with calls for accountability. Pro-2A immigrants bring diverse perspectives to gun rights discussions. Gun control measures can infringe on personal freedoms. Corporate policies may conflict with individual safety needs. The importance of self-defense training is emphasized. The conversation highlights the need for awareness of legal rights. Keywords Armed American Radio, gun rights, self-defense, gun control, media bias, Virginia legislation, home invasion, crime statistics, 7-Eleven incident, Afghan national shooting, gun rights, self-defense, holiday shopping, youth crime, pro-2A immigrants, gun control, corporate policies, legal rights, criminal activity, accountability  

Summary In this episode of Armed American Radio, host Mark Walters discusses various topics related to gun rights, self-defense, and the failures of gun control measures. The conversation includes a detailed analysis of a recent incident at a 7-Eleven where an employee defended herself with a firearm, the media's misrepresentation of gun violence statistics, and the ongoing issues with gun control in states like California and Virginia. The episode also touches on the implications of recent shootings involving Afghan nationals and the alarming trend of young criminals engaging in violent behavior without facing significant consequences. In this conversation, Mark Walters discusses various themes surrounding gun rights, self-defense, and the implications of corporate policies on personal safety. The dialogue touches on holiday shopping for gun-related gifts, the legal rights of individuals in self-defense situations, the rise of youth crime, and the cultural perspectives of pro-2A immigrants. The conversation also highlights the challenges posed by gun theft and criminal activity, as well as the broader societal impacts of gun control measures. Ultimately, the discussion emphasizes the importance of personal safety and the right to bear arms in America. Takeaways Self-defense is a fundamental right that should be protected. Corporate policies often misinterpret the safest response to criminal threats. Gun control measures do not effectively reduce crime rates. The media frequently misrepresents gun violence statistics to push agendas. Young criminals often evade serious consequences for their actions. Gun ownership is a responsibility that comes with the duty to protect oneself. Legislative changes in Virginia could significantly impact gun rights. The public must remain vigilant and active in defending their rights. Incidents of home invasions highlight the need for self-defense training. The political landscape surrounding gun rights is constantly evolving. Amazon is a major player in holiday shopping. Gun-related gifts are popular among enthusiasts. Self-defense laws vary by state, impacting individuals' rights. Criminals often acquire guns through illegal means, not stores. Youth crime is a growing concern, with calls for accountability. Pro-2A immigrants bring diverse perspectives to gun rights discussions. Gun control measures can infringe on personal freedoms. Corporate policies may conflict with individual safety needs. The importance of self-defense training is emphasized. The conversation highlights the need for awareness of legal rights. Keywords Armed American Radio, gun rights, self-defense, gun control, media bias, Virginia legislation, home invasion, crime statistics, 7-Eleven incident, Afghan national shooting, gun rights, self-defense, holiday shopping, youth crime, pro-2A immigrants, gun control, corporate policies, legal rights, criminal activity, accountability  

In this season of gathering around the table, we hear from self-proclaimed proud “AG youth” Anixia Davila from Salinas Valley, California, known as the “salad bowl of the world." Davila shares her Brief But Spectacular take on what she’s learned about leadership, responsibility and community through farming. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Bob Campana is a California builder, landscape designer, real estate developer, restaurateur, pilot, and world traveler—and now, author of Don't Look Down! It's a fast-paced, funny, and surprisingly heartfelt look at a life built on grit, curiosity, and the occasional leap of faith from a very high place. Connect with Bob Campana: Website: https://www.bobcampana.com/ YouTube: https://www.youtube.com/@GetBack2Workk LinkedIn: https://www.linkedin.com/in/bob-campana-entrepreneur/ The Book -- Don't Look Down: https://www.amazon.com/Dont-Look-Down-Battle-Tested-Entrepreneur/dp/B0F9H1YGTT TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

President Trump wants to pardon former Honduran president Juan Orlando Hernandez, who was convicted of trafficking drugs into the United States. At the same time, his administration is blowing up what they call drug boats in the Caribbean and Pacific. Juan Sebastián González of the Georgetown Americas Institute explains more about Trump's actions in Latin America.And, bipartisan support is growing for congressional review of those strikes after multiple reports have raised questions about whether at least one of the strikes amounts to a war crime. Franco Ordoñez, a White House correspondent for NPR, joins us.Then, for the first time since 1988, the United States will not commemorate World AIDS Day. Dr. Monica Gandhi of the University of California, San Francisco, explains what the move says about the Trump administration's policy to fight HIV and AIDS.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

A trio of Second Amendment-related cases are slated for this week's Supreme Court conference, including Duncan v. Bonta's challenge to California's magazine ban and a lawsuit taking on the "assault weapon" ban imposed by Cook County, Illinois. Will the Court greenlight one or more of these cases or continue delaying consideration of laws banning commonly owned arms?

In this powerful episode of Gangland Wire, retired Intelligence Unit detective Gary Jenkins sits down with Tegan Broadwater, a former Fort Worth Police officer, musician, and undercover operative whose story reads like a movie script. Broadwater takes listeners on a riveting journey from his early years as a professional musician to his dramatic turn infiltrating one of America's most dangerous street gangs—the Crips. Drawing from his book Life in the Fishbowl, he details how music, culture, and human connection became unexpected tools for survival and success inside the underworld. Listeners will hear: How Tegan Broadwater transitioned from touring musician to undercover police officer, bringing creativity and adaptability to the streets. The story of his two-year infiltration into the Crips—posing as a South Texas drug dealer with the help of a trusted informant. His insights into gang hierarchy, loyalty, and manipulation, and how understanding culture was key to earning trust. The moral challenges of living undercover—forming friendships with men he would eventually arrest. The emotional impact of a major gang raid that ended with over 50 arrests, and how it changed his outlook on justice and humanity. His decision to donate proceeds from his book to the children of incarcerated parents aims to break the cycle of violence. He continues to share lessons on leadership, empathy, and cultural understanding through his private security firm and new podcast projects.   Broadwater's story isn't just about crime and undercover operations—it's about identity, compassion, and the human cost of violence. This episode offers a rare look at what it means to live behind a mask while still holding onto one's purpose.

Welcome back to the Bar Exam Toolbox podcast! In this episode, we explain the five requirements for a valid will, and analyze two hypotheticals to illustrate how courts determine validity.  In this episode, we discuss: The basics of will formation The five elements of a valid will What is a holographic will? The "harmless error" rule Two hypotheticals from previous California bar exams Resources: "Listen and Learn" series (https://barexamtoolbox.com/bar-exam-toolbox-podcast-archive-by-topic/bar-exam-toolbox-podcast-explaining-individual-mee-and-california-bar-essay-questions/#listen-learn) California Bar Examination – Essay Questions and Selected Answers, July 2021 (https://www.calbar.ca.gov/Portals/0/documents/admissions/Examinations/July-2021-CBX-Essay-Qs-and-Selected-Answers.pdf) California Bar Examination – Essay Questions and Selected Answers, July 2006 (https://nwculaw.edu/pdf/bar/July%202006%20Essays%20and%20Sample%20Answers.pdf) Podcast Episode 27: Tackling and MEE Question: Wills and Trusts (https://barexamtoolbox.com/podcast-episode-27-tackling-an-mee-question-wills-and-trusts/) Podcast Episode 326: Listen and Learn – Intestate Distribution (Wills and Trusts) (https://barexamtoolbox.com/podcast-episode-326-listen-and-learn-intestate-distribution-wills-and-trusts/) SpacedRepetition.com (https://spacedrepetition.com/) Download the Transcript (https://barexamtoolbox.com/episode-336-listen-and-learn-will-formation-and-execution/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/bar-exam-toolbox-podcast-pass-bar-exam-less-stress/id1370651486) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Bar Exam Toolbox website (https://barexamtoolbox.com/contact-us/). Finally, if you don't want to miss anything, you can sign up for podcast updates (https://barexamtoolbox.com/get-bar-exam-toolbox-podcast-updates/)! Thanks for listening! Alison & Lee

Welcome back to the Law School Toolbox podcast! This episode continues the discussion on criminal identification procedures, focusing on potential due process violation issues. Through analyzing a hypothetical scenario, we illustrate how courts look at the totality of the circumstances and assess whether identification procedures are unnecessarily suggestive. The episode concludes with a step-by-step approach to tackling identification procedure questions on an exam.  In this episode we discuss: A question from the October 2020 California bar exam The various types of identification procedures How to consider the totality of the circumstances when determining potential due process violations An exam strategy for answering identification procedure questions Resources: "Listen and Learn" series (https://lawschooltoolbox.com/law-school-toolbox-podcast-substantive-law-topics/#listen-learn) California Bar Examination – Essay Questions and Selected Answers, October 2020 (https://www.calbar.ca.gov/Portals/0/documents/admissions/Examinations/October-2020-Essay-Selected-Answers.pdf) Podcast Episode 290: Listen and Learn – Privilege Against Self-Incrimination and Miranda Rights (https://lawschooltoolbox.com/podcast-episode-290-listen-and-learn-privilege-against-self-incrimination-and-miranda-rights/) Podcast Episode 295: Listen and Learn – Due Process and Equal Protection (Con Law) (https://lawschooltoolbox.com/podcast-episode-295-listen-and-learn-due-process-and-equal-protection-con-law/) Podcast Episode 330: Listen and Learn – The Sixth Amendment (https://lawschooltoolbox.com/podcast-episode-330-listen-and-learn-the-sixth-amendment/) Podcast Episode 530: Listen and Learn – Criminal Procedure: Identifications (Part 1) (https://lawschooltoolbox.com/podcast-episode-530-listen-and-learn-criminal-procedure-identifications-part-1/) SpacedRepetition.com (https://spacedrepetition.com/) Download the Transcript  (https://lawschooltoolbox.com/episode-532-listen-and-learn-criminal-procedure-identifications-part-2/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/law-school-toolbox-podcast/id1027603976) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). If you're concerned about the bar exam, check out our sister site, the Bar Exam Toolbox (http://barexamtoolbox.com/). You can also sign up for our weekly podcast newsletter (https://lawschooltoolbox.com/get-law-school-podcast-updates/) to make sure you never miss an episode! Thanks for listening! Alison & Lee

Today's guest shares her story of turning her pain into purpose as she discusses mothers' mental health conditions and the power of storytelling. Join us to hear her inspirational story. Rudo Savage is a mental health advocate, mother of three, founder of Mindset Mother, and author of The Words of the Lost Soul and Becoming Whole in Pieces. Through her writing and mentoring, she empowers others to embrace healing, self-acceptance, and transformation, drawing on her personal, powerful journey of resilience.  Show Highlights: The inspiration to start Mindset Mother as a way to help others Mental health issues were noticeable in Rudo's teen years, with multiple diagnoses and medications Describing what it's like to live with emotional dysregulation as a mother of three children Pregnancy and postpartum shifted and elevated Rudo's mental health struggles. Finding your identity as a new mother and adjusting to the never-ending care of your children Rudo's hospitalization experience and recovery to care for her children Finding a passion for writing and the birth of her first book Birth practices in the UK, when a “health visitor” comes to check on mother and baby during the postpartum The toxicity of motherhood on social media makes it hard for other moms to be honest and real. Rudo's quest to find a therapist who was a good match for her in the UK's flawed system Finding healing through hearing others' stories  Overcoming the mindset of being a “good mother.” Rudo's family background and its impact on her transition to motherhood–finding acceptance in understanding the WHY Writing a second book after taking time for healing: An overview of Becoming Whole in Pieces Rudo's advice for mothers in prioritizing time for themselves Resources: Connect with Rudo Savage and Mindset Mother: TikTok, The Words of the Lost Soul, and Becoming Whole in Pieces Call the National Maternal Mental Health Hotline at 1-833-TLC-MAMA or visitcdph.ca.gov. Please find resources in English and Spanish at Postpartum Support International, or by phone/text at 1-800-944-4773.  There are many free resources, like online support groups, peer mentors, a specialist provider directory, and perinatal mental health training for therapists, physicians, nurses, doulas, and anyone who wants to be more supportive in offering services. You can also follow PSI on social media: Instagram, Facebook, and most other platforms. Visit www.postpartum.net/professionals/certificate-trainings/for information on the grief course.  Visit my website, www.wellmindperinatal.com, for more information, resources, and courses you can take today!  If you are a California resident seeking a therapist in perinatal mental health, please email me about openings for private pay clients.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Fear, isolation, uneasiness. Ever since the Trump administration ramped up immigration enforcement efforts, immigrant communities in California have a growing sense of anxiety. One community worried about enforcement is farm workers, where many people's lives have been upended. Guest: Nigel Duara, CalMatters A shooting at a banquet hall in the Central Valley town of Stockton has left four young people dead and 11 injured. The shooting Saturday took place at a children's birthday party. California immigration lawyers are seeing a startling trend: people who are in the process of becoming legal U.S. residents attend their green card interview and are arrested on the spot. Reporter: Tyche Hendricks, KQED Learn more about your ad choices. Visit megaphone.fm/adchoices

277. Breaking Through Addiction in Marriage with Matthew and Joanna Raabsmith   *DISCLAIMER* This episode is intended for adults.   1 John 1:9 AMP "If we [freely] admit that we have sinned and confess our sins, He is faithful and just [true to His own nature and promises], and will forgive our sins and cleanse us continually from all unrighteousness [our wrongdoing, everything not in conformity with His will and purpose].”   *Transcription Below*   Thank You to Our Sponsor: Leman Property Management Company   Matthew and Joanna Raabsmith are clinicians, speakers, and authors with over 20 years of combined experience in counseling, coaching, and guiding couples toward healing and transformation. Their mission is to help couples navigate the complexities of relational challenges, particularly in the aftermath of sexual addiction and betrayal trauma, fostering deep restoration and growth.   Matthew is a Professional Certified Coach (ICF) with a background in pastoral leadership, while Joanna is a Licensed Marriage and Family Therapist, EMDR practitioner, and Certified Clinical Partner Specialist through APSATS. Both hold Master of Divinity degrees and have served together on multiple church leadership teams. Currently, they co-lead their private practice, The Raabsmith Team, where they specialize in helping couples rebuild connection, trust, and intimacy.   Their passion for this work stems from their own journey of restoration. After experiencing the devastating effects of sexual addiction and betrayal in their marriage, Matthew and Joanna embarked on a years-long pursuit of reconciliation. This transformative experience led to the creation of tools like The Intimacy Pyramid™, a practical model for relational restoration and growth co-created with colleague Dan Drake.    Their first book, Building True Intimacy (2023), has sold over 1,000 copies and provides practical guidance for couples to use the Intimacy Pyramid to create enduring connections. They also founded Renewing Us Recovery™, a comprehensive program designed to support couples in the later stages of relational restoration. In November 2025, they will host the inaugural Renewing Us Couples Retreat, offering workshops and connection opportunities for couples on similar paths of recovery and growth.   Matthew and Joanna live in Memphis, Tennessee with their three young children. They prioritize self-care through shared adventures, new experiences, and a weekly game of pickleball.   Free Resource Mentioned in Episode   Building True Intimacy book   Questions and Topics Discussed: What were the warning signs that you noticed when you were newlyweds that tipped you off to believing things weren't quite as they seemed? Are there any common life circumstances, whether nature or nurture, that predispose someone to be more likely to struggle with a sexual addiction? As couples seek to thrive in marriage, will you give us an overview of the intimacy pyramid you wrote a book about?   Other Episodes Mentioned During Episode: Pornography: Protecting Children, Personal Healing, Recovery, and Victory in Christ with Sam Black Pornography Addiction and Helpful Recovery with Crystal Renaud Day   Additional Related Episodes on The Savvy Sauce: Anatomy of an Affair with Dave Carder Protecting Your Marriage Against Unfaithfulness with Dave Carder Stories Series: Recovery From Sexual Sin in Marriage with Garrett and Brenna Naufel Supernatural Restoration Story with Bob and Audrey Meisner Special Patreon Re-Release Wholehearted Quiet Time with Naomi Vacaro   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:12)   Laura Dugger: (0:13 - 1:38) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.   Today's message is not intended for little ears. We'll be discussing some adult themes, and I want you to be aware before you listen to this message.   Leman Property Management Company has the apartment you will be able to call home, with over 1,700 apartment units available in Central Illinois. Visit them today at lemanproperties.com, or connect with them on Facebook.   Matthew and Joanna Raabsmith are my guests today. They are clinicians, speakers, and authors with over 20 years of combined experience in counseling, coaching, and guiding couples toward healing and transformation. Our conversation takes a few turns, from getting to hear their incredible and vulnerable story of healing and then getting tips for talking to our children about topics like sex, and also even receiving some practical wisdom and tips for enhancing our own marital enjoyment.   Here's our chat. Welcome to The Savvy Sauce, Matthew and Joanna.   Matthew Raabsmith: (1:39 - 1:40) So good to be here.   Joanna Raabsmith: (1:40 - 1:42) So glad to be here. Thanks for having us.   Laura Dugger: (1:42 - 1:51) Oh, truly my pleasure. And let's just start here. Can you share your story going back to meeting and falling in love and your first part of marriage?   Matthew Raabsmith: (1:53 - 2:17) Sure, yeah. It was a little bumpy at first, actually. So, I knew Joanna through her brother. Joanna's brother was one of my best friends, and I got to meet her whenever she would come in town and visit, and she would invade guy night. He would usually bring her along to like a Lord of the Rings movie or something, and I would be a little frustrated because I would be like, oh, you brought your sister. Great. That's wonderful.   Joanna Raabsmith: (2:18 - 2:24) A little off-putting, not super friendly. And I was like, your friend's kind of a jerk. We did not like each other at all in the beginning.   Matthew Raabsmith: (2:24 - 2:54) Not big fans. And eventually over some time, we started to realize we had a lot in common. We liked to do a lot of the same things.   And one summer that Joanna was in town, we started hanging out, started doing more and more together, and really just kind of developed a friendship, which was really fun. And at the very end of the summer, realized that there was something between us. And so, we went on one date.   Our first date, we entered a golf tournament. We won it, and that was a good sign.   Joanna Raabsmith: (2:54 - 2:55) That's a pretty good sign.   Matthew Raabsmith: (2:55 - 3:02) And we went on three more dates over the course of two months and got engaged.   Joanna Raabsmith: (3:03 - 3:07) And then two months after that, we got married.   Matthew Raabsmith: (3:07 - 3:16) Yeah. So, her brother went from like, yeah, it's cool you date my sister, to like, you're not ready to get married. But he's come around now.   Joanna Raabsmith: (3:17 - 3:19) 15 years later. Yeah.   Matthew Raabsmith: (3:19 - 3:40) And, you know, a lot of it was, I think we had a definite sense of being kind of called together, being, you know, something special about who we were as a couple. And also, a recognition that we wanted to figure out what a good marriage looked like. We were really excited about marriage, but we didn't really know what we were doing.   Joanna Raabsmith: (3:41 - 4:15) Yeah, I've had a really great model of healthy relationship. My parents have a wonderful marriage. They work really well as a team.   And so, I knew, like, I want something like that. But as soon as we got married, we realized, but how do you actually build that? There's no, like, instruction manual for, okay, here are the things to do to have a great relationship.   And so, we read books. We went to conferences. You know, we did what we could, but we still found ourselves getting stuck, not able to really create, like, that deep sense of, like, connection intimacy that we really wanted.   Matthew Raabsmith: (4:15 - 5:17) And we started kind of hunting more and more for resources. We found some incredible resources that really changed our understanding of the way relationships work, the way people work, and really, for us, shifted our entire focus of kind of what we wanted to do, even with our life. And as we started to do that, though, we still kind of found ourselves at this kind of glass wall.   We felt like no matter what we tried, there was always this kind of distance between us. And that started to grow kind of over the years that we were together. It wasn't getting better.   It was actually kind of getting worse and worse and worse. And so, Joanna had actually decided to, after we finished our first grad degree together, the idea was we were going to go be pastors. And so, we had finished our kind of theological training.   Joanna decided she wanted to get a master's in marriage and family therapy so we could do some work around marriages and ministry in that way. And her very first-class kind of just set our life in a completely different direction.   Joanna Raabsmith: (5:17 - 6:26) Yes. So, my first class in the MFT program was a two-week intensive called Shame and Guilt. So, that's a really fun two-week intensive to be a part of. And as a part of that, though, they had an anonymous pastor come and share his testimony of struggling with sex addiction, becoming sober, getting into good recovery, healing and restoration in his marriage, kind of like that whole journey. And as he was talking, something inside of me started stirring. And I knew, OK, what he's saying is resonating way too much with me right now.   I think this is the thing. This is what is keeping us stuck, not able to really create the relationship we want. And so, that day I went home and first I just kind of started talking about my class, what I learned, what this pastor had shared.   Right. And nothing. Right.   We're just kind of talking generally about it. And so, finally I couldn't do it anymore. And I just stopped and I looked him square in the eyes and I said, “Are you struggling with this in our marriage right now?”   Matthew Raabsmith: (6:26 - 8:03) Yeah. And for the first time in my life, 20 years, I had been struggling with pornography, sexual addiction, and acting out in our marriage. And for the first time in my life, I was honest.   I had lied for years, both with Joanna and everyone else. And the kind of floodgates just kind of opened up. And I finally said yes.   And it was really hearing the story, I think, is what did it for me. I think it was knowing that somebody else had made it, that their life hadn't come crashing down because that was the greatest fear for me. That the moment anyone found this out, everything in my life would be over. Everything that I loved would be gone.   And so, this kind of story of hope gave me a little bit of courage that day, to be honest. But that started a really long journey for us because there was a lot of damage that was done in both of my hiding. And now kind of this revelation, all the pain kind of came crashing down on Joanna and kind of her shoulders.   And so, we started a quite intensive recovery process. We talked about it being kind of a full-time job. I went to recovery for my addiction and for kind of my acting out behaviors. Joanna had to begin a process of healing from the trauma of this discovery. And that process took us a number of years. It really was a long kind of arduous journey, but one that we ultimately survived and now thrive in our marriage and get the incredible luxury and the kind of gift of helping other couples do that.   So, that's kind of where we find ourselves.   Laura Dugger: (8:04 - 8:30) That is incredible. I just really appreciate you sharing your story. Clearly, stories are so powerful and that's what led to some healing for you and hopefully can open the floodgates for somebody else listening.   So, if we go back in your story, then, Joanna, I'd love to start with you. What were some of those red flags in early marriage that things aren't quite as they seem?   Joanna Raabsmith: (8:31 - 10:28) Yeah, there are a few. You know, I think that, you know, one of the pieces we kind of talked about, like, OK, we knew we're still getting stuck because there's 90 percent that felt really good. But then 10 percent that was extremely chaotic, really destructive.   Right. We would get we call the pain cycles when we get emotionally dysregulated. And there would be some things that, right.   Sometimes we would get into pain cycles, get dysregulated. And I kind of understand why. Right.   Like something happened. There was the disagreement. But other times I couldn't put my finger on it.   Right. Matthew would just get really angry and really shut down. And I wouldn't be able to connect it to anything that had happened in our life.   And so, it was very confusing. It was really hard to understand what was going on. And I think kind of in the same way, when I would pull too close into that connection, that intimacy, he would pull back.   Right. And it felt like even though we both named this goal and this desire, he would never actually partner with me in it. And so, again, that was really confusing because the actions were not matching up with reality and what was happening.   And I think the other piece that was kind of true for us and true for a lot of other people is that our own sexual relationship was fraught with pain. And so, there was, again, a lot that was really good, but also a lot that was really painful and confusing. And some of the pieces just didn't connect.   Right. And I would wonder, OK, what's going on? Well, I guess this is just the reality that like this is how much we get to expect in this area of our life, right.   In our relationship. And so, it was when the pastor started describing his life and addiction and what that looked like emotionally, sexually, relationally. I was like, oh, those are all the things that I'm currently experiencing.   Here's one thing that would answer all those questions that I have. And so, I think that was part of it. He kind of told me, like, OK, this is it.   Laura Dugger: (10:28 - 11:00) That would be so eye opening. And my heart's going out to the couple who is maybe starting to identify with this. Was it and share whatever you're comfortable with from your story or the person's story who opened things up to you?   So, sexually, I'm wondering if it was for you, Joanna, if you were hoping to connect sexually and that wasn't happening and that was confusing. You didn't feel pursued. But I don't want to fill in the blanks.   So, could you elaborate?   Joanna Raabsmith: (11:00 - 12:03) Absolutely. Yeah. And we find it a lot of different ways than couples that we work with.   Right. And so, it can be sometimes on either side of the extreme. And so, for us, it was where there would be kind of times when he'd be fully present and interested and engaged. Right. And then all of a sudden, kind of like I described emotionally, he would just withdraw and not be there. And I would reach out to connect.   And that was this like non-response. And which, again, didn't match up with those other times when he was engaged and wanting to connect. And he would give some sort of excuse that didn't totally make sense.   Right. But I was kind of like, what else? What was I left with except that?   So, I would kind of believe that and go with it, even though it didn't sit right. And so, yeah, I think that was part of it. We will see on the other side for some other couples.   It's the opposite. And maybe that spouse is hypersexual in the relationship. Right.   To the point where there might be pressure, even pressure to do things sexually that people aren't comfortable with. And so, yeah, it can look a lot of different ways. But that was kind of what our disconnect looked like.   Laura Dugger: (12:04 - 12:33) That's so helpful. And there's two different directions I want to go, Matthew. So, I'll set it up.   I guess I'm thinking of the guilt and shame and how those are usually so present. So, I have two questions. Were you when Joanna came to you, were you at a point where you recognize something was off and you wanted freedom from this and or had tried freedom before?   Let's start with that and then I'll go into the other one.   Matthew Raabsmith: (12:34 - 14:40) Yeah, it really was holy timing in a lot of ways. I, you know, for a lot of years I had I hated what I did. I didn't feel like I could stop it, but didn't have a lot of interest in kind of doing anything to stop it.   I kind of just like would just say, “OK, this is going to be the last time.” And then, you know, of course it would come back. But I think at this point I had really started to see the damage that was happening to our relationship.   I could feel us growing close, growing further apart. I could see kind of Joanna and the confusion that she was having. And like she couldn't understand things.   She would ask me a lot of questions that I didn't have answers to. And so, I actually a couple of months earlier, we were at a worship service, and they had said like, “hey, if you are ready to give something up, if you feel like there's something holding you back, come forward and confess it.” And Joanna and I were sitting next to each other, and I remember feeling like the Holy Spirit just like pulling me to like get up out of my seat and I wouldn't move.   I was like, no, because she's going to ask me what I went down for. I'm going there's you know, there's a random kind of prayer partner at the front. I'm like, I'm not going and confessing this to some random person.   And so, I was ready. But I think like I said, I think there was no path forward. It was kind of confess this and everything stops and ends.   But everything like marriage ends, life ends. And so, when she when she brought this, it really did feel like God had kind of been answering a prayer that I've been praying of like, if you give me a way out, I'll take it. I'm desperate.   I want it to stop. And it felt like that. I think it was both this kind of terror and this hope that day.   And even when I said, yes, it was a little bit like, what have I done? Like, could this have been different? Should I have just gone and told someone else privately?   Right. But I think ultimately that it was out between the two of us and that we kind of knew it. We knew what we were dealing with made a huge difference.   But I mean, God had been working in my life, offering opportunities for so long. I just been saying no, no, no. And then finally, you know, I think my heart just broke and it was like, yes, OK, I'm ready for this.   Laura Dugger: (14:40 - 15:14) I love how the Holy Spirit equipped you with that humility and courage to be brave in that moment. And it's such a blessing for all of us to get to see the end or I guess not the end of the story, but you at this point in your story where you're thriving. And so, I hope that offers a lot of hope to people listening.   But let's also pause. And so, going back further in time, Matthew, this was the other part of my question. What was life and attachment and your growing up journey like?   Matthew Raabsmith: (15:15 - 18:09) Yeah, I didn't know that at the time. Right. I a lot of this I figured out in the last couple of years of recovery.   You know, if you would have asked me, you know, as I was growing up about my life, I would have told you I had the perfect family. I had the perfect life. I think I did not realize that some of the things that I was going through weren't perfect, were harder.   And part of that was because I think the way my family dynamic worked was we just swept everything under the rug. You know, whatever happened, we just kind of went, OK, and moved on from. And I learned to do that as a kid.   And that meant a lot of emotional chaos. There was a lot of physical chaos and kind of volatility in our house growing up. And even though I had parents who are still married to this day, have stayed together and have tried to create kind of a stable life.   There was a lot of emotional and kind of relational instability. We moved around a lot. And then once we started moving, I found myself more and more kind of isolated at school. I started dealing with bullying and some things that really kind of left me not knowing how to deal with the pain that I was going through. And so, my way of stuffing things under the rug was getting, you know, escaping, you know, kind of escaping into anything that I could. I watched a lot of TV.   I was a latchkey kid, so I would come home. I'd watch TV a lot in the afternoon and then TV kind of just turned to more and more. And I was exposed pretty young to pornography, actually at a church camp.   I was at a summer church camp. Someone brought a Playboy magazine, and I was exposed to pornography. And I kind of felt that high, that rush.   And that just became kind of a mode of my escape. Right. Of whatever I could do to engage sexually, whether with my mind or with others.   That's how I could get out of the pain I was in. That's how I could stop feeling kind of the chaos that I was having and not realizing that it was becoming this kind of adaptive habit, that it would just be this thing I would go back to more and more. And I grew up at a time that technology was still emerging.   So, I can remember when we got our first computer and no one was talking about safeguards or anything. And so, it was just kind of exposure. Here you go.   Here's everything you could ever want and don't need. And that really became my life. And the more and more that I did, the better and better I got at lying and hiding and even being kind of vulnerable in kind of fake ways.   I would mention things like, yeah, we all have this struggle. And even Joanna, I had told like, you know, that was a struggle of mine in the past, but I've moved on from it. Right.   I told myself and other people just kind of lie after lie after lie so that I could have really this double life. I could appear one way and then I could be acting a completely different way, kind of in the dark.   Laura Dugger: (18:10 - 20:41) Yeah. And that makes sense. I'm thinking back to two episodes.   We did one with a male, Sam Black from Covenant Eyes, and he speaks so much of the origins of pornography and that foothold that Satan gets. And so many times it is in childhood, unwittingly you're exposed and then what it can turn into. And then Crystal Renaud Day came on to share a lot of females struggle with this as well.   And so, I'll link to those if those are a help.   And now a brief message from our sponsor. 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For me, I had to figure out what had really gone on in my life and what was really happening.   Because, like I said, I had become such an expert at hiding from myself and others that I didn't really know how to live any other way. And so, I, you know, Joanna kind of handed me a list of everything this pastor had done. She was like, here you go.   Right. She kind of handed me that list and was like, good luck. And so, I dove in.   I went to a men's intensive. And I think that was probably one of the key places for me to tell my story for the first time. I really took a look at my life and had some people help me take a look and recognize the trauma that I had as a kid exposure that I had experienced and what that really meant to me and helped me understand what I was doing.   But also, kind of what I was doing to myself, how I was really kind of killing myself from the inside out and preventing myself from having the kind of relationship I wanted with God and other people. And so, that discovery was in really ways kind of invigorating for me. I felt like I was living for the first time.   I think I had started to kind of get out of this kind of burden, this fear of always being caught. I told Joanna kind of the history of everything that had happened in my life and our relationship. And so, I was feeling this kind of renewed sense of like energy and excitement of like, this is good.   I want this life. I want the life there that I'm not in constant kind of fear and in constant kind of connection to this thing I hate. And so, which is really different than what Joanna was experiencing.   Joanna Raabsmith: (22:30 - 25:07) Yeah. So, for me, it was very jarring in the beginning. Everything I thought was real came crashing down around me.   And that was especially jarring because I had left kind of the direction, the path that I was on. Right. We talked about our story earlier.   It included two months of dating, two months of engagement before we got married. And that also included me dropping out of law school, getting married and moving to California to pursue a ministry degree so we could work as pastors together or do something together. And so, in that moment, all of that came crashing down.   And I kind of was very lost, not just in our relationship, but in kind of what in the world am I even doing here? What am I going to do moving forward if he doesn't choose recovery? Right.   And so, just all of those question marks, all in that one moment of him answering that question affirmative. And so, so there was like that heaviness on one side and then on the other side was this relief of finally everything I've been experiencing makes sense. Right. Finally, I feel like I actually know what's going on. And because of that, there could maybe be a path forward for us as well. So, is this very, very weird dichotomy in that moment? And so, but I think I knew right away, like, I can't be vulnerable. I can't be intimate with him anymore. Right.   I have to step back in our relationship and wait and see what he chooses to do. Is he going to choose to do the work of recovery and get healthy and start to be honest and safe or not? And so, that's so we kind of did kind of there's some space for a very long period of time while we focused on our own individual recoveries.   And that, again, was a little bumpy for me. This is over a decade ago. And so, there is very little information about what partners experience.   We call it betrayal trauma, and that just wasn't a very common word at the time. And so, some of the resources I plugged into came from a more we would call it codependent, co-addict focus, which just really didn't fit. So, I struggled to find resources that felt like they fit for my journey.   But once I did, it all again, my own healing process started to make sense. And it was so like freeing and liberating to understand. Like, oh, OK, this is what I'm going through. This is why I feel this way.   This is what it looks like to heal and move forward. And so, kind of beginning that process was so important because then when Matthew was kind of in a healthy, safe place, I was as well, and we can start to step in towards each other on that kind of more couples' journey at that point.   Laura Dugger: (25:07 - 25:17) I love how you did that wisely, though, separate first, not rushing into couples at that time. Absolutely.   Matthew Raabsmith: (25:18 - 26:33) Appreciate you calling it wise. I think we were terrified. Yeah, we'll take God's help.   I think he was like, you guys just work on your own stuff for a while. And in some ways, like I said, it was we didn't know what we were doing. But I think we knew we wanted there to be a future between the two of us.   But we knew it had to be completely different in some ways than what we had before, which was scary because we liked what we had before. Like we had a really great marriage in many ways. Right.   There was this portion of it, this hidden portion that was really infecting and killing it all. But what we did have together, we didn't want to totally lose. It just was really hard to know, especially early on, what's going to come forward.   Like, who are we still going to be as we go forward? Are we still going to be a couple who does things together? Right. Who works together? Or is that all kind of going to have to be different? Is that the only way that we have kind of moving forward?   And so, that was that was probably the hardest part was having like this sense of like not wanting to lose us. We were like, if we lost that, that was going to be miserable. And I think a lot of our work was about how do we eventually reclaim this marriage that we want, that we love?   Laura Dugger: (26:34 - 27:04) Yes, because from what I'm sensing, you're friends with each other, you're on purpose or on mission with God. He did a course correction change, putting you on this path to help couples. But your desire to work together, it's like He still honored that in the ministry of reconciliation.   And I'm assuming abundantly blessed it beyond what you could ever dreamed up what we're doing now.   Joanna Raabsmith: (27:04 - 27:42) Right. It's been amazing to see what God has done, how he's used our story, which is so fitting because it was someone sharing their story that brought our healing. And I think because of that and it wasn't right away; it took some time to get to the place where we felt open to God using our story to bring healing to others. But we found as we stepped into that, that we have received such a blessing.   Right. And just being able to sit with other couples in that journey and see them go from that place of pain and confusion to this place of restoration and thriving. Like there is no better work that we could have imagined for ourselves.   Laura Dugger: (27:42 - 28:09) Love that. And really, you did have to pioneer a path. There weren't many resources at that time.   So, that's another reason I'm grateful you can share your story, because I hope it unlocks freedom for others. So, if we're turning more outward now and you're helping as you work with couples, how do you help them identify the difference between sexual struggles and sexual addiction?   Matthew Raabsmith: (28:10 - 30:15) Yeah, that's a great question. And I think that it really kind of exists on a spectrum. And so, everything kind of exists under what we call problematic sexual behavior or unwanted sexual behavior.   Whenever someone is acting in a way sexually that doesn't align with their values. And then the question is, is how often, how compulsive, right? How habituated, right?   How really embedded is that practice? Because the more and more embedded it is and the more and more that I continue to act on that, seeing the damage that it's doing, that's really what qualifies as the addiction. The addiction is when I know that this is causing harm and I and I feel that even though I want to stop it and I've tried to stop.   Right. I can't stop the 12 steps has a great line. They say addicts, you know, addicts have no problem stopping.   It's staying stopped. That's hard for an addict. Right.   And so, that's usually a sign that there's an addiction. And really what that means is that just means that I'm going to have to be even more kind of thorough and scrupulous in my willingness to change a lot. Because if I have built an addictive lifestyle, that means everything I do kind of functions to support that lifestyle.   Right. And so, my part of that was this hiding. I lied about everything.   I would lie about anything just to make sure that I was in control of the narrative. And so, for me, it was recognizing that if I was going to move forward free of my addiction, then it had to begin with honesty, with this kind of radical honesty and transparency and growing in that consistently, because that was the way that I manifested this addiction and kind of kept it going. And so, that's really what the addiction is about, is recognizing what are the kind of pieces in my life that are supporting this addiction to continue to exist?   And how is God going to dismantle those things? Right. And how am I going to be a part of that dismantling?   Laura Dugger: (30:16 - 30:33) That's well said. And also, I'm curious, are there any common life circumstances, whether that's nature or nurture, that are more likely to predispose someone to more likely have this struggle with sexual addiction?   Matthew Raabsmith: (30:34 - 32:30) I mean, there are, I think, you know, the things that we tend to look for are trauma and trauma comes in so many different forms. So, trauma is more it's rare that it's a single event. It's often more a kind of consistent occurrences.   As I mentioned, you know, I can't speak to kind of one event in my life that I say this was the traumatic moment in which everything changed. But it was more of the chaos. And so, I grew up in a family that could be really, really, really loving and incredibly encouraging and fun and silly and in a heartbeat switch into one that was verbally and physically just chaotic and terrifying.   And it was that chaos that kept me on edge. What it did was it created in me kind of a system of always wanting to be on high alert. And that would exhaust me.   That would kind of wear me out. And I would want to kind of numb that kind of feeling away. And so, I think those traumas, I do think early exposure.   Right. I mean, I was exposed early before my brain was ready to really understand what it was dealing with. And I think the third component that we often see is a low level or a kind of really a void of sexual education.   There was I'm sure I had a small talk with my dad at some point, but we were not talking about pornography. We weren't talking about bodies. We weren't talking about sex from a kind of healthy, good way.   I grew up in the church, and it was kind of don't do this until you're married and then you'll be fine. Right. That was the sexual education message.   And so, those things, right, trauma, exposure and lack of kind of education usually forms in someone a difficulty of knowing what they're doing, knowing that it's destroying them before it's really kind of gotten a deep hole.   Joanna Raabsmith: (32:30 - 33:20) I think like the brain. The brain aspect to when we talk about addiction, there are usually chemicals involved in addiction being formed, being created. And so, I think also co-occurring disorders, right, that emotional pain, also things like anxiety, depression, ADHD, where my brain really likes the dopamine it gets from sexual acting out. Right.   And you can actually need it to feel OK. That can also be a factor in kind of especially that addictive side of these behaviors. When my brain gets really attached to that dopamine release that it's getting because maybe I have some other things going on or I just have emotional pain.   I don't know what to deal with, how to handle it, how to regulate that in a healthy way.   Laura Dugger: (33:20 - 34:30) There's so many good points there. I'll just highlight one because there's a profound piece that you were talking about with early exposure to evil and the corruption of it is extremely harmful. And yet not being exposed to God's good design for sex and hopefully being coached by our parents, that is both of those play a part in the addiction. And so, I'm thinking even as we shift to think about parents, I know I've had parents come to me and just say, I don't want to talk about this with my kids.   I don't want to rob their innocence. And my approach is if God made it, this is good. We can talk to them.   You're not robbing their innocence when you're sharing the good age-appropriate parts of sex. And it's so great to be that first one to share with them. And I think it does the opposite of what we would expect.   We're afraid that that might make them hyper sexualized. But would you speak to that? Any encouragement for parents?   Matthew Raabsmith: (34:30 - 36:37) Yeah, it's tricky. I mean, even as parents, we've got kids and its still kind of navigating it. But I do think what it does is it lets someone learn the things they need to in the timeline they need to.   I think part of one of the things is that, you know, really good sexual education starts young. I mean, they start six and seven years old or even younger, just talking about our bodies. Right.   Because I think that's part of it. Really, this is about understanding the goodness of our bodies. This body was created by God, the maker of heaven and earth, and he called it good.   And so, I think part of a good sexual education begins with that. And then, what's really nice is once you've started the conversation, that means if your children are exposed or if they're presented with things that don't line up with what they've been hearing, they now feel safe to come and talk about that. Because that's really what this was about.   I didn't feel safe to talk about what I was exposed to, what people were doing. Right. And what people were encouraging me to engage in.   And so, you know, my parents would ask me how it's going. I would not tell them anything because it wasn't a conversation that they were having with me. And so, I didn't think it was a conversation I was going to have with them.   And so, that meant that as I found myself further and further away from my values, I felt like, who am I going to share this with? And so, part of having the conversation is it normalizes with our kids that this is OK to talk about, which is actually what adults need. I mean, part of our work with couples as adults, we have to get them talking about sex and body parts.   I mean, it's amazing to have 30, 40, and 50-year-olds in our offices and in our sessions. And they're so uncomfortable. Right.   They don't want to talk about sex. They don't want to talk about their bodies. They don't want to talk about what their bodies do.   Right. And we keep being like, this is God's good stuff. Right.   There is goodness here. But you have to begin by talking about it. Right.   Having these conversations.   Joanna Raabsmith: (36:38 - 37:54) I tell all the parents I work with, your kids are going to pick up a narrative about what sex is and what sexuality is, whether you want them to or not. And so, would you rather be the first person to step in and give them a healthy view, a healthy narrative to understand? Right.   And this is beyond kind of the nuts and bolts that everything our kids are learning. They're trying to find a deeper meaning. They don't think it's unconscious when they're young. Right. But they're taking it and they're going, what meaning does this have for me? How does this inform my self-worth, my view of my own value as a human in my body?   And how does it inform my experience of the world and my safety in the world? And am I empowered to make decisions? Am I connected?   Do I belong? Right. All of those questions are asking.   And so, as they're confronted with issues of sexuality, it's going to inform those things. And the world will not give them a healthy narrative about it. Right.   And so, being able as a parent to step in and give them that healthy meaning, that narrative, that understanding of their worth and their safety as they're piecing together kind of sexuality, again, at that age-appropriate level is so important.   Laura Dugger: (37:54 - 38:30) Guess what? We are no longer an audio only podcast. We now have video included as well.   If you want to view the conversation each week, make sure you watch our videos. We're on YouTube and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com. And I love that you're talking about this with couples you work with.   So, will you give us an overview of the intimacy pyramid that you actually wrote a book about and you teach to couples?   Joanna Raabsmith: (38:30 - 38:31) Absolutely.   Matthew Raabsmith: (38:31 - 39:15) Yeah. I mean, it was born out of our journey because, as you said, we wandered for a while and we felt a little bit like Israel, just kind of, you know, knowing that the Promised Land was out there, but never really feeling like we could find it. And when we started to piece together, I think the kind of relationship that we had dreamed of reclaiming, we really ask ourselves, how can we make this a more direct, a simpler process, not just for couples who went through what we went through, but really for any couple who's hungry for this, for the couple like us when we were first starting.   It really wants an amazing marriage. And so, we really focused on a kind of simplistic idea of what are the core kind of foundational levels of building really healthy intimacy.   Joanna Raabsmith: (39:16 - 40:10) Yeah. So, the intimacy pyramid, it's actually a triangle. There's a visual that goes along with it.   So, if you imagine the different levels of the triangle, very similar to Maslow's hierarchy of needs, starting at the bottom, you have to start with honesty. And so, we definitely experienced that reality in our own relationship. Right.   This is something we learned from Couples in Betrayal, but like Matthew said, we realized this is where every couple starts. Am I willing to be fully open, fully honest and transparent in this relationship? Am I being my authentic self?   Right. And after that level of honesty, that's when we start to build safety. And that has to do with our ability to communicate in really healthy, constructive ways.   Even when it's hard, even when we're disagreeing, even when we feel like yelling at each other. Are we able to show up with that belief that we both have the same goal? We're trying to build something together.   Matthew Raabsmith: (40:10 - 41:57) And with honesty and safety, that's where we get to work on trust as a couple. That's that next level. And trust is where we start to be more partners, where we're really starting to kind of lean in, work together, kind of be courageous and saying, “Hey, this isn't just my life anymore, right?”   This is our life together. And as that trust is established, this is what allows for the incredible work of vulnerability. And there's been all these studies about vulnerability over the last few years and how important it is.   What we recognize, though, is vulnerability on top of nothing is actually really risky and kind of even dangerous. It's vulnerability that's built on healthy trust where we step in and we do share some of those deeper pains in those wounds, those fears. We start to really heal some of those kind of early traumas that we experience.   It's in that vulnerability. That's what allows a couple to be truly intimate. And it's when they've worked through each of these levels, what we find is these couples, when they reach this kind of this intimacy level, they're passionate about who they are as a couple. They love kind of their relationship itself. They have a purpose to it. They have a sense that like our marriage, our relationship exists for a reason, but they're also really playful.   They're silly. They're really kind of comfortable in their own skin. And it's those five levels really working together that allows them to experience a relationship that gives life. I think one of the things we know is that when God creates, it gives life. And so, God created marriage not to burden us, right? Not to kind of, you know, not even just to get us through, you know, kind of surviving life, but actually to bring more life.   Right. And not just life within the relationship itself, but life outside of it.   Laura Dugger: (41:58 - 42:22) Oh, I love it. And you're also working with couples. I've heard you speak before about the working on offering your spouse the gift of self-awareness. And so, what could couples expect? How do you actually work with them to grow in self-awareness and recognize things like the emotional process they go through in marriage?   Joanna Raabsmith: (42:22 - 43:48) Absolutely. So, awareness. So, in our book, we obviously detail the intimacy period much more.   And that's Building True Intimacy is the name of the book. But each of those levels we just walked through have different components that go into that. And awareness is kind of like one of the most important components of that honesty foundation.   So, we have to start with awareness and we can't really build anything if there's a lack of self-awareness. And so, when we work with couples, one of the first places we start is we kind of look at the past. Are they aware of what they've been through, what those experiences are, and how those experiences have shaped them into the person that is now in the present, showing up with their spouse.   Right. And so, once I start to have that insight from my past, from those experiences, how they shape me, I can better understand my present. What are the things that I feel and why do I feel those things in particular?   Right. And then when I feel those things in a relationship, and these are typically those kind of heavier, more challenging, more painful emotions. How do I respond?   How am I showing up? Because the reality is that all of us cope with emotional pain the same way we cope with physical pain. We go into fight or flight.   That part of our brain gets triggered and we respond with these kind of destructive relational coping behaviors that then hurt my partner.   Matthew Raabsmith: (43:48 - 46:22) Yeah. Like, for example, I told you about that chaos I experienced as a kid. And so, those would always happen around conflicts.   My parents would disagree about something. There would be some type of argument about, you know, and it could be anything where we were going for dinner or what color the curtains were. Right.   But it would create this chaotic environment. So, as I got married, the thing that I didn't like the least was any type of conflict. Joanna and I would get in when I could sense us disagreeing and we are both passionate.   We have opinions and we believe things and we get into this kind of disagreement and argument. It would freak my system out. And I didn't realize that because I didn't really know my past.   I didn't know what was going on. I would just really do anything to shut it down. I get angry and I try to get loud, or I just walk away in the middle of a conversation.   As Joanna was talking, I would just leave the room and my acting out was just a further manifestation of that kind of leaving the relationship. And so, part of my healing journey was to learn about my story and recognize, oh, OK, I can see what's happening. And what's really interesting is it still happens in our life today.   I've been in recovery for 12 years. I still feel the same things. Now it's more like when my kids are getting involved.   Right. And there's energy in the room and people are online. And then I go, oh, yeah, there it is.   There's my system again. It's starting to feel unsafe. It's starting to feel alone. And I know what it wants to do. It wants to get angry, or it wants to just shut down and walk away. And what's incredible is that we've learned the ability to see where we're at but also speak directly to that.   And so, what I get to do for myself now is I get to go, “OK, I know I'm feeling unsafe and I know I'm feeling alone. And I know I want to get angry to solve it, but it won't do it. But here's the truth. The truth is that I'm safe in God's economy. I'm empowered. I have an incredible partner in my life. I've never been alone. I've always had someone there for me. And Joanna is the perfect example of that.”   And that totally changes my sense of really kind of where I am. And it changes how I show up. I tend to be much more calm.   I ask questions rather than make demands. And it's that ability to kind of see where we're at and shift. That's just been such a game changer for our family and just for our own relationship.   We still have to work on it. You know, it doesn't always look that pretty. Right.   But when we do, it's amazing how different it goes.   Laura Dugger: (46:24 - 46:44) And then I just think of the generational impacts that has when people are willing to do the work. And so, if there's a brave couple out there who wants to seek their own help and healing, can you share where they can go for help, including the Raabsmith team and all that you have to offer?   Matthew Raabsmith: (46:46 - 47:30) Yeah, you know, we would love them to connect with us because I think one of the things we recognize was having guides along the way. I mean, we had to figure a lot out ourselves, but we also had some really incredible guides, some mentors, some coaches, some therapists. And so, we always just say, hey, connect with us.   You can find us at raabsmithteam.com. We have a heart for couples who want restoration and reconciliation because that's what we're getting to live and experience. And what's cool is our whole team, they're couples who've been through this work, but who also have been professionally trained to help other couples to just continue to guide and to grow relationships so that they're thriving and they're kind of giving that life.   Joanna Raabsmith: (47:30 - 48:10) Absolutely. We also love to give out resources. And so, we have the kind of we call it the honest connection.   And so, again, if you're starting this journey or even this is for any couple who wants deeper connection, deeper intimacy, learning how to do that on a daily basis in small ways is so important. And so, we have a worksheet that couples can take and use. We're happy to provide that for them for free and kind of try this for 30 days and notice the changes that you experience in your relationship.   And so, that's a great starting point wherever you are in relationship to begin that journey of connection.   Matthew Raabsmith: (48:10 - 48:14) And you just go to raabsmithteam.com/free and that resource is all yours.   Laura Dugger: (48:15 - 48:26) Wonderful. Add links for that in the show notes for today's episode. And is this then for any couple worldwide, nationwide?   Can you work with people?   Matthew Raabsmith: (48:27 - 48:55) We have we've got couples across the world, which is really fun. It's been really neat just to see the way that God has used our work. One of the things when we first started this journey, we started getting couples calling us saying, “Hey, I don't have anybody in my area that specializes in this, that understands this journey. Can I work with you?” And so, we kind of felt a calling to say we want to make sure that we connect with people wherever they are. And so, absolutely.   If you can hear our voice, you can work with us.   Laura Dugger: (48:55 - 49:14) I love that. And just as a little bonus practical tip, you kind of mentioned being proactive to thriving in marriage. Is there any encouragement that you could share or a specific practical tip that anybody could start to incorporate if they want to take their marriage to that thriving level?   Matthew Raabsmith: (49:15 - 50:12) Yeah, I think just the ability to slow down. We have a  nine, seven and six-year-old. We own our own business, and we like life and life can get incredibly fast.   And I think what we have found is when, as I was mentioning, when I learned the ability just to slow down, even if I don't fully just know myself slowing down and checking in, just where am I at right now? Where's my heart? Right. Where do I want to be?   I think I realize that so often my values and my actions aren't aligned when I'm moving too quickly. I'm not being the person that I want to be. And we see that in so many couples. We meet so many couples and there are two really great people who have a hard time working together. They have a hard time kind of being a team.   And it's usually because they're working so fast. They don't realize they're kind of working against each other. So, slowing down, I think, is such a big thing.   Joanna Raabsmith: (50:12 - 51:18) Another piece that's, again, really easy to start right away. A lot of couples we work with, and I think probably even us when we start a relationship, was there were two individuals in a relationship, and it was kind of either me or you. And starting to understand there's this third thing between you, the relationship. There's a third almost entity that really needs care. It needs nurture. It needs you to focus on its needs from time to time.   And so, beginning to approach the day, even approach conversations with this question of like, what does our relationship need right now? And even as you're trying to make decisions, what is the way we can decide this in a way that's good for our relationship or what decision benefits our relationship rather than does it benefit you or me? Because when you get into that struggle, it can become a competition.   It can become transactional really quickly. So, starting to ask that question, starting to talk about the needs and caring for the relationship very intentionally can be a way to shift that.   Laura Dugger: (51:20 - 51:38) Thank you for sharing that. I think that leads into my last question, because you already know we're called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for both of you, Matthew and Joanna, what is your savvy sauce?   Matthew Raabsmith: (51:39 - 52:22) I kind of mentioned this, but I think it's the willingness to be honest. I was so willing to lie to myself and kind of really hide from other people. And I didn't even know that I was doing it.   But as I have learned to be more honest in really kind of healthy ways, right. You can dump, you can whine, you can complain, you can get angry. But truly being honest meant just looking at what I was feeling and trying to kind of figure that out and name that.   As I have learned that ability to be honest with myself and with others, it has just opened up a new world of possibilities. And it has shown me how many people care for me; how much God cares for me. So, I think that honesty is something I just want to practice more and more every day.   Joanna Raabsmith: (52:22 - 53:30) I think for me, just in my own journey and working with so many partners, that importance of being able to make empowered decisions in my life. Right. That I am really intentionally choosing the direction I'm going in life.   Realizing that instead of going into this more helpless, powerless victim stance is such a difference. And really the only thing that changes a lot of times is mindset. You don't have to overhaul your entire life.   Right. You have to add in like four hours of self-care and all of these things. But starting to shift that mindset into, wait, I have power in the decisions I make.   And one of the ways that's really important to do that is growing that self-awareness. I cannot make empowered decisions if I'm not aware of where I'm at emotionally, physically, spiritually. Right.   If I'm not aware of my needs on a regular basis. And so, slowing down to check those things in, sometimes even multiple times in the day if you're not used to that. So, you're more connected to yourself, to what you need, what you want.   So, you can start making those empowered decisions.   Laura Dugger: (53:32 - 54:00) I love that. It's just so enjoyable to host a very lively couple who's humble and you've done your work. And then you're willing to share all this overflow of goodness with all of us.   So, I think my prayer is that the Lord would richly bless you for this open-handed generosity of wisdom and your story and experience that you've shared with us and modeled for us today. So, thank you to both of you for being my guest.   Joanna Raabsmith: (54:00 - 54:03) Thank you so much. It's a joy being here.   Laura Dugger: (54:05 - 57:47) One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin.   This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”   So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you.   Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray.   Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him.   And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started.   First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

Sponsor Details:This episode of Space Nuts is brought to you with the support of NordVPN. To get our special Space Nuts listener discounts and four months free bonus, all with a 30-day money-back guarantee, simply visit www.nordvpn.com/spacenuts or use the coupon code SPACENUTS at checkout.Cosmic Queries: The Birth of Our Sun, Future Discoveries, and Gas GiantsIn this thought-provoking Q&A episode of Space Nuts, hosts Andrew Dunkley and Professor Fred Watson tackle an array of intriguing listener questions that span the cosmos. From the possibility of witnessing the birth of our sun to the future of astronomical discoveries, this episode is filled with insights that will leave you pondering the mysteries of the universe.Episode Highlights:- The Birth of Our Sun: Daryl from South Australia wonders if we could ever witness the birth of our sun through ancient light. Andrew and Fred explore the limitations of observing such distant events and the fascinating concept of light echoes that allow us to glimpse historical cosmic phenomena.- Future Discoveries in Astronomy: Rennie from California asks what we might uncover in the next century regarding dark matter, dark energy, and the Big Bang. The hosts discuss the rapid advancements in technology and how they may lead to groundbreaking discoveries in our understanding of the universe.- Gas Giants and Their Moons: Dave from New Jersey poses a hypothetical scenario about a super Jupiter with an Earth-sized moon. The discussion delves into tidal locking and the potential for life in the Goldilocks zone of such massive planets, revealing the complexities of planetary formation.- Gas Giants and Supernovae: Cal from Swansea questions whether a gas giant could absorb debris from a supernova to become a star. The hosts clarify the dynamics of supernova explosions and the potential for rogue planets to host their own moons, igniting curiosity about the possibilities of life in the cosmos.For more Space Nuts, including our continuously updating newsfeed and to listen to all our episodes, visit our website. Follow us on social media at SpaceNutsPod on Facebook, X, YouTube Music Music, Tumblr, Instagram, and TikTok. We love engaging with our community, so be sure to drop us a message or comment on your favorite platform.If you'd like to help support Space Nuts and join our growing family of insiders for commercial-free episodes and more, visit spacenutspodcast.com/about.Stay curious, keep looking up, and join us next time for more stellar insights and cosmic wonders. Until then, clear skies and happy stargazing.Become a supporter of this podcast: https://www.spreaker.com/podcast/space-nuts-astronomy-insights-cosmic-discoveries--2631155/support.

Can entertainment concepts win in a tight real estate market?The kids' entertainment world is exploding, and in this episode of Retail Retold, host Chris Ressa dives straight into the center of that momentum with Melissa Tinsley, Director of Real Estate at Unleashed Brands. Melissa pulls back the curtain on the powerhouse portfolio behind Urban Air, Sylvan Learning, The Little Gym, and Water Wings, revealing how Unleashed is rapidly shaping the future of experiential retail.She shares why she left Tropical Smoothie Café after eight years to tackle the high-stakes, high-complexity world of big-box entertainment real estate—where ceiling heights, engineering gymnastics, waivers, zoning battles, and multimillion-dollar buildout decisions turn every Urban Air deal into an adrenaline-fueled puzzle.Melissa breaks down Urban Air's evolution from trampoline park to full-scale adventure park, how that shift has changed the competitive landscape, and why the brand is aggressively expanding across the West Coast, East Coast, and major suburban hubs.She also explains why Urban Air is becoming a go-to solution for vacant big boxes—drawing families, driving cross-shopping, and creating the kind of sticky traffic landlords crave.Packed with candid insights on franchisee growth, site criteria, and real estate challenges, this episode gives a powerful look at how Unleashed Brands is building the next generation of family-focused retail experiences.What You'll Hear:The inside story on how Urban Air is rewriting the rules of kids' entertainmentWhy “trampoline parks” are over—and adventure parks are the new category killerThe gritty realities of big-box real estate: ceiling hurdles, digging pits, raising roofsHow Unleashed Brands is turning dead anchors into high-performing family magnetsThe markets where Urban Air is going all-in—from California to the NortheastWhy franchisees with serious capital are chasing adventure park dealsWhat most landlords still misunderstand about Urban AirThe dealmaking mindset that gets complex entertainment leases signed—fastChapters00:00 – Meet Melissa TinsleyMelissa shares her background and move to Unleashed Brands.01:26 – Inside the Unleashed Brands PortfolioHow Urban Air, Sylvan, The Little Gym, and Water Wings fit together.03:16 – The Reality of Big-Box Entertainment DealsCeiling heights, engineering challenges, waivers, and zoning.04:55 – From Trampoline Park to Adventure ParkHow Urban Air is evolving and outpacing competitors.07:28 – Franchise Growth + Who's InvestingThe types of franchisees fueling expansion across the country.09:31 – Markets on FireWhere Urban Air is growing fastest—especially CA, NY, and NJ.11:13 – Filling Big Box VacanciesWhy Urban Air is becoming a prime replacement for dark anchors.12:18 – What Landlords Need to KnowCo-tenant reactions, parking concerns, and why Urban Air drives powerful family traffic.

Cyber Monday starts today. Snow will be coming to New England tomorrow. Logan Airport was the most affected in the country for flight cancellations. The Patriots are looking for their 10t straight win tonight against the Giants. The Celtics beat the Cavilers. The Brain Walshe murder trial starts today. There was a mass shooting at a child's birthday party in California. Charlie Puth will sing the national anthem at the super bowl.See omnystudio.com/listener for privacy information.

Paula Saunders is a graduate of the Syracuse University creative writing program and was awarded a postgraduate Albert Schweitzer Fellowship at the State University of New York at Albany, under Schweitzer chair Toni Morrison. Her first book, The Distance Home, was longlisted for the Center for Fiction 2018 First Novel Prize and named as one of The Best Books of 2018 by REAL SIMPLE. She lives in California with her husband. They have two grown daughters.  Her new novel is called Starting from Here. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode features a full length Bible study taught by Pastor Jack Abeelen of Morningstar Christian Chapel in Whittier, California.If today you prayed with Pastor Jack to receive the Lord, we'd love to hear about it and get you started on the right foot. Visit us online at: https://morningstarcc.org/born-again/To see more of Pastor Jack's Bible studies, visit our Morningstar Christian Chapel channel at https://www.youtube.com/@morningstarcc.To subscribe to our Podcast newsletter go to http://eepurl.com/iGzsP6.If you would like to support our electronic ministry, you may do so by going to our donations page at https://morningstarcc.churchcenter.com/giving/to/podcast.Visit our church website at https://morningstarcc.org.

This episode is one of Pastor Jack Abeelen's recent radio broadcasts. Pastor Jack's teachings are broadcast every weekday on over 400 radio stations across the country.The Growing Thru Grace radio broadcast is an outreach of Morningstar Christian Chapel in Whittier, California.To see more of Pastor Jack's Bible studies, visit our Morningstar Christian Chapel channel at https://www.youtube.com/@morningstarcc.To subscribe to our Podcast newsletter go to http://eepurl.com/iGzsP6.If you would like to support our electronic ministry, you may do so by going to our donations page at https://morningstarcc.churchcenter.com/giving/to/podcast.Visit our church website at https://morningstarcc.org.

From massive Medicaid scams in Minnesota and California to billions of U.S. taxpayer dollars funding the Taliban, we break down how fraud, illegal immigration, and government mismanagement collide.

Send us a textHere are your two-paragraph show notes:Today on The Quivercast, we sit down with surfer, skater, and artist Dave Tourjé @davetourje, a driving force behind the influential California Locos art movement. Growing up amid the gang-infested streets of Northeast Los Angeles, Dave found refuge and purpose in surfing and skateboarding—two passions that kept him out of trouble and shaped his creative path. As his love for art grew, he moved to Santa Barbara to study, surf, and immerse himself in a world where expression and lifestyle merged seamlessly.In time, Dave began collaborating with like-minded artists who shared his roots in SoCal subcultures, leading to the formation of the LOCOS movement. Today, California Locos embodies the innovation, multicultural energy, and rebellious identity of Los Angeles itself. Dave shares how the collective brings together the stories, styles, and crafts of its artists—spanning hippie to punk rock, surfing to skateboarding, lowrider to hot rod, tattoo to graffiti, and lowbrow to fine art—honoring the authentic spirit of Southern California's creative underground. Tune in for a conversation that bridges culture, creativity, and the unmistakable LOCOS attitude.Check out these webstites!californialocos.comdavetourje.comSupport the showBUY THE ENDLESS SUMMER BOX SET HERE!If you like the QuiverCast here are some ways to help us keep going! I always like Coffee! Buy me a Coffee! Find Us: Website: thequivercast.com Instagram: @quiver_cast Facebook: The QuiverCast Sound Editing by: The Steele Collective

****Disclaimer-I respect both podcasters, I made this because anytime we discuss this subject the pro death cults nit pick and pull interviews apart. They make us sound conspiratorial. It's never to discredit and say they don't know what their talking about. It's a sensitive topic and needs to be informative and yes it's just apart of the whole episode but it's happening a lot now and without deeper conversations on the subject we lose the battles of the public opinion. With legislation on the table to expand to the mentally ill alone, it's a big deal. ****20 states have brought legalization bills forward.Delaware passed the assisted suicide bill in 2025.Illinois, Massachusetts, and New York are concerning states.California, Maine, and New Jersey have expansion bills.Most states that legalized assisted suicide have expanded their laws. Many bills are seen as Trojan horses by the speaker.Lobbying by assisted suicide groups pressures governments.The conversation emphasizes the importance of public awareness. Words matter in the context of legislation and ethics. The issue is not just a Canadian problem, but a broader concern.One Time Donation! - Paypal - https://paypal.me/brassandunityBuy me a coffee! - https://buymeacoffee.com/kelsisherenLet's connect!Youtube - https://www.youtube.com/@thekelsisherenperspectiveInstagram -  https://www.instagram.com/thekelsisherenperspective?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw%3D%3DX: https://x.com/KelsiBurnsSubstack:  https://substack.com/@kelsisherenTikTok -   https://x.com/KelsiBurnsListen on Spotify - https://open.spotify.com/show/1O3yiobOjThKHtqyjviy1a?si=6c78bdc2325a43aeListen on Apple: https://podcasts.apple.com/ca/podcast/the-kelsi-sheren-perspective/id1537489127SUPPORT OUR SPONSORS - - - - - - - - - - - -Ketone IQ- 30% off with code KELSI - https://ketone.com/KELSIGood Livin - 20% off with code KELSI - https://www.itsgoodlivin.com/?ref=KELSIBrass & Unity - 20% off with code UNITY  - http://brassandunity.com- - - - - - - - - - - - -CHARITYHeroic Hearts Project - https://www.heroicheartsproject.orgDefenders of Freedom - https://www.defendersoffreedom.usBoot Campaign - https://bootcampaign.org

In this episode of WHAT THE TRUCK?!?, host Malcolm Harris closes out the first day of December with a full lineup of industry leaders shaping the future of freight, logistics, and AI. We kick off with Jason Burns, former Vanderbilt wide receiver turned podcaster and last-mile logistics veteran. Jason shares insights from his “Last2First” journey, the evolution of the final-mile sector, and what leaders should prioritize heading into 2026. Next, Stefan Heck, CEO of Nauto, breaks down how predictive AI is transforming fleet safety. From real-time driver alerts to collision-prevention intelligence, Stefan explains why human + AI collaboration is becoming a cornerstone of modern transportation. Closing out the show, Tavaris Johnson, founder of FreightFi, walks through the financial inefficiencies plaguing freight and how AI-driven automation is finally fixing AR/AP chaos for brokers, 3PLs, and carriers. We also cover the latest headlines: DHS launching sweeping I-9 audits across California fleets A major misclassification settlement shaking up New Jersey FedEx scrubbing MD-11 flights during peak season Inside the high-pressure Butterball “Turkey Super Bowl” supply chain Whether you're in operations, safety, technology, or finance, this episode delivers direct, practical insight on what's coming next for the freight industry. Watch on YouTube Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts #WHATTHETRUCK #FreightNews #supplychain Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Melody Glenn was a burned-out emergency physician who had grown to resent the large population of opioid-dependent patients passing through her ER. While working at a methadone clinic, she realized how effective harm reduction treatments could be and set out to discover why they weren't used more broadly. That's when she found Dr. Marie Nyswander. In the 1960s, Dr. Nyswander defied the DEA and medical establishment to co-develop methadone maintenance as a treatment for heroin addiction. According to some addiction specialists, its discovery could be considered as monumental as the discovery of penicillin. Yet, it still carries a stigma today. As the United States continues to struggle with opioid and fentanyl use, Dr. Glenn shares Dr. Nyswander's legacy and important lessons that can be used in dealing with today's addiction crisis. Dr. Melody Glenn is an author and associate professor of addiction and emergency medicine at the University of Arizona. She graduated with her M.D. from The University of Southern California, completed her emergency medicine residency at Maricopa Medical Center, and earned her EMS fellowship from The University of California, San Francisco. Moderator Margaret Juhae Lee is the author of Starry Field: A Memoir of Lost History. She received a Bunting Fellowship from Harvard University and a Korean Studies Fellowship from the Korean Foundation in support of research for her book. Previously, she was an editor for the Books and the Arts section at The Nation magazine. Commonwealth Club World Affairs of California is a nonprofit public forum; we welcome donations made during registration to support the production of our programming. A Psychology Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Commonwealth Club World Affairs is a public forum. Any views expressed in our programs are those of the speakers and not of Commonwealth Club World Affairs. OrganizerPatrick O'Reilly  Learn more about your ad choices. Visit megaphone.fm/adchoices

Trump commits a major mistake over the Thanksgiving holiday. Brian interviews Senator Mark Kelly, California gubernatorial candidates Eric Swalwell and Tom Steyer, and PSA co-host Tommy Vietor.Shop merch: https://briantylercohen.com/shopYouTube: https://www.youtube.com/user/briantylercohenTwitter: https://twitter.com/briantylercohenFacebook: https://www.facebook.com/briantylercohenInstagram: https://www.instagram.com/briantylercohenPatreon: https://www.patreon.com/briantylercohenNewsletter: https://www.briantylercohen.com/sign-upWritten by Brian Tyler CohenProduced by Sam GraberRecorded in Los Angeles, CASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Katie talks to former Green party vice-presidential nominee Butch Ware about his run for Governor of California, his thoughts on Gavin Newsom and Katie Porter and his critique of Zohran Mamdani for protecting Hakeem Jeffries, Zionism and "playing footsie" with fascists. But first we talk to Bad Hasbara co-hosts Matt Lieb and Daniel Maté about former Obama speech-writer Sarah Hurwitz who has unwittingly exposed the Zionist weaponization of the Holocaust and antisemitism in a way no anti-zionist ever could. And we talk to Esteban Girón, Political Director of Tenants PAC and a longtime organizer with the Crown Heights Tenant Union about Zohran's housing about the good, the bad and the ugly in Zohran's transition team. For the full discussion, please join us on Patreon at - https://www.patreon.com/posts/patreon-full-144422559 Butch Ware is a lifelong activist and educator specializing in the history of empire, colonialism, genocide and revolution. He is associate professor of History at UC Santa-Barbara. He was the 2024 vice-presidential nominee for the Green Party. He is running for Governor of California. Matt Lieb is a comedian, podcaster, accidental award winning journalist, and guy from Good Mythical Morning. He hosts the podcast Bad Hasbara. Daniel Maté is the co-host of Bad Hasbara, a musical theater lyricist, the world's only mental chiropractor, and the co-author of "The Myth Of Normal: Trauma, Illness, and Healing in a Toxic Culture" by Gabor Maté. He also co-wrote with Katie the Parody song "Nothing's Gonna Stop Us Now: The Genocidal Remix" a duet by Biden and Bibi https://www.youtube.com/watch?v=dEG76hlnhNw. **Please support The Katie Halper Show ** For bonus content, exclusive interviews, to support independent media & to help make this program possible, please join us on Patreon - / thekatiehalpershow Get your Katie Halper Show Merch here! https://katiehalper.myspreadshop.com/all Follow Katie on Twitter: https://x.com/kthalps Follow Katie on Instagram: https://www.instagram.com/kthalps Follow Katie on TikTok: https://www.tiktok.com/@kthalps_

Trigger Warnings - This episode contains topics such as racism, misogyny, child abuse, sexual abuse, violence and exploitation. Please use discretion when listening.Mr. F and I traveled north to Vista, California to have lunch at the infamous Yellow Deli, this past October. When we returned home, I feverishly dove into the history of The Yellow Deli, the Twelve Tribes cult that runs it and what they believe. This episode blends the two together to prepare us for next week's episode when we go deeper and speak with a survivor of the cult.Show Notesr/sandiego - Has anyone gone to the Yellow Deli in Vista?Yellow Deli People: mellow believers or cult of opportunists?Ex-Twelve Tribe Members Describe AbuseTwelve Tribes WikiYellow Deli Cult: The Twelve Tribes ExplainedThe Idyllic Restaurant Chain Owned by a Homophobic, Racist, Child-Beating CultTwelve Tribes of Israel WikiTwelve Tribes Vista Yellow DeliThe Child Training Manual (Extreme Trigger Warning)The Influence ContinuumOut of MLM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The BITE Model⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LAMLM Book Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MLM Dupes⁠⁠⁠⁠⁠⁠⁠How can you help?⁠⁠⁠⁠⁠⁠⁠MLM Change⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Report Fraud⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Truth in Advertising⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Report to your state Attorney General's office!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Not in the U.S.? No Problem!⁠⁠⁠⁠⁠⁠⁠Support the Podcast!⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Buy Me a Taco⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ TikTok⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ YouTube⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Discord⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Merch!⁠⁠⁠⁠⁠⁠⁠Life After MLM is produced by Roberta Blevins. Audio editing is done by the lovely⁠⁠⁠⁠⁠⁠⁠ Kayla Craven⁠⁠⁠⁠⁠⁠⁠, video editing by the indescribable⁠⁠⁠⁠⁠⁠⁠ RK Gold⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠ Michelle Carpenter⁠⁠⁠⁠⁠⁠⁠ is our Triple Emerald Princess of Robots. Life After MLM is owned by Roberta Blevins 2025.Music : Abstract World by ⁠⁠⁠⁠⁠⁠⁠Alexi Action⁠⁠⁠⁠⁠⁠⁠*Some links may be affiliate links. When you purchase things from these links, I get a small commission that I use to buy us tacos.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tod Goldberg is the author of the novel Only Way Out, available from Thomas & Mercer. Tod Goldberg is the New York Times bestselling author of sixteen novels, including the Gangsterland quartet: Gangsterland, a finalist for the Hammett Prize; Gangster Nation; The Low Desert, a Southwest Book of the Year; and Gangsters Don't Die, an Amazon Best Book of 2023 and a Southwest Book of the Year. Other works include The House of Secrets, coauthored with Brad Meltzer; Living Dead Girl, a finalist for the Los Angeles Times Book Prize; and the Burn Notice series. His short fiction and essays have been anthologized in Best American Mystery and Suspense and Best American Essays and appear regularly in the Los Angeles Times, USA Today, and Alta. Tod is a professor of creative writing at the University of California, Riverside, where he founded and directs the low-residency MFA program in creative writing and writing for the performing arts. For more information, visit www.todgoldberg.com. *** ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Otherppl with Brad Listi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ is a weekly podcast featuring in-depth interviews with today's leading writers. This week's episode is brought to you by Aura Frames. Visit ⁠AuraFrames.com⁠ and get $45 off Aura's best-selling Carver Mat frames—named #1 by Wirecutter—by using promo code  OTHERPPL at checkout. Available where podcasts are available: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, etc. Get ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠How to Write a Novel,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ the debut audio course from DeepDive. 50+ hours of never-before-heard insight, inspiration, and instruction from dozens of today's most celebrated contemporary authors. Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's email newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support the show on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Merch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email the show: letters [at] otherppl [dot] com The podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠proud affiliate partner of Bookshop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, working to support local, independent bookstores. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin just published her first book, “Avail,” which you can order here: https://www.pauldrybooks.com/products/avail “Avail” features a long prose-poem which titles the book and winds through sections of lineated, often formal poems. The prose-poem comprises a series of lyric meditations on the image of the veil—from religious and cultural veils, to veils imbedded in idiom and metaphor, to veiled women in art and classic films, to veils drawn and parted by illness and death—which slowly divulge the harrowing details of the poet's blood disorder. Throughout, allusions to classic film, literature, and art serve as the “veils” with which the poet attempts to obscure the self-estrangement and vulnerability her illness has induced—insecurities which follow her long after her recovery. In a poem about a break-up set during her career as a jazz singer and against the backdrop of a 1930s screwball comedy, she longs “to shake life by the martini (but stay self- / possessed), to star in the movie of myself / instead of playing second lead.” During a visit to Naples, Mt. Vesuvius becomes “a Crawford eyebrow / arched over the bay.” And in California, after a trip to the Getty Villa, she recalls Sontag's “missive on allusion, that no part / of any work is new, that all is reproduction.” By the end of the collection, O'Luanaigh has fashioned from the sum of these various allusions her own poetic identity, unveiled in the poems themselves.

This episode features a full length Bible study taught by Pastor Jack Abeelen of Morningstar Christian Chapel in Whittier, California.If today you prayed with Pastor Jack to receive the Lord, we'd love to hear about it and get you started on the right foot. Visit us online at: https://morningstarcc.org/born-again/To see more of Pastor Jack's Bible studies, visit our Morningstar Christian Chapel channel at https://www.youtube.com/@morningstarcc.To subscribe to our Podcast newsletter go to http://eepurl.com/iGzsP6.If you would like to support our electronic ministry, you may do so by going to our donations page at https://morningstarcc.churchcenter.com/giving/to/podcast.Visit our church website at https://morningstarcc.org.

On November 13, 2013, 78-years-old Joseph Gatto was discovered dead in his home in the Silver Lake community of Los Angeles, California. The grandfather and artist had been shot in the abdomen.His son Mike served for years in the California State Assembly. But after that day, Mike became immersed in the investigation into his father's murder. Today, the case remains unsolved. But Mike has revealed inside information on the case in his new book, Noir by Necessity: How My Father's Unsolved Murder Took Me to Dark Places.The book is a necessary look into the agony and confusion that victims' loved ones go through, as well as an incisive look at this case and what went wrong with the investigation.By Noir by Necessity: How My Father's Unsolved Murder Took Me to Dark Places here: https://bookshop.org/p/books/noir-by-necessity-how-my-father-s-unsolved-murder-took-me-to-dark-places-mike-gatto/bf053885905d2be2?ean=9781685133818&next=tOr get it here, on Amazon: https://www.amazon.com/Noir-Necessity-Fathers-Unsolved-Murder/dp/1685133819Find discounts for Murder Sheet listeners here: https://murdersheetpodcast.com/discountsCheck out our upcoming book events and get links to buy tickets here: https://murdersheetpodcast.com/eventsOrder our book on Delphi here: https://bookshop.org/p/books/shadow-of-the-bridge-the-delphi-murders-and-the-dark-side-of-the-american-heartland-aine-cain/21866881?ean=9781639369232Or here: https://www.simonandschuster.com/books/Shadow-of-the-Bridge/Aine-Cain/9781639369232Or here: https://www.amazon.com/Shadow-Bridge-Murders-American-Heartland/dp/1639369236Join our Patreon here! https://www.patreon.com/c/murdersheetSupport The Murder Sheet by buying a t-shirt here: https://www.murdersheetshop.com/Check out more inclusive sizing and t-shirt and merchandising options here: https://themurdersheet.dashery.com/Send tips to murdersheet@gmail.com.The Murder Sheet is a production of Mystery Sheet LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The 2025 Survivor Series: WarGames, also promoted as Survivor Series: WarGames San Diego, was a professional wrestling pay-per-view (PPV) and livestreaming event produced by WWE. It was the 39th annual Survivor Series and took place on Saturday, November 29, 2025, at Petco Park in San Diego, California, and held for wrestlers from the promotion's Raw and SmackDown brand divisions. This was the fourth annual Survivor Series based around the WarGames match, a team-based steel cage match where the roofless cage surrounds two rings placed side by side. Four matches were contested at the event, including two WarGames matches. In the main event, which was a men's WarGames match, Brock Lesnar, Drew McIntyre, Logan Paul, and The Vision (Bron Breakker and Bronson Reed) defeated CM Punk, Cody Rhodes, Roman Reigns, and The Usos (Jey Uso and Jimmy Uso), while in the women's WarGames match, which was the opening bout, AJ Lee, Alexa Bliss, Charlotte Flair, Iyo Sky, and Rhea Ripley defeated Becky Lynch, Lash Legend, Nia Jax, and The Kabuki Warriors (Asuka and Kairi Sane) by submission. The event also featured the return of Liv Morgan.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Today on The Natural Birth Podcast we have Kelsea. Kelsea is a mama of one, from California, USA. She is a photographer, entrepreneur and a devoted mama.She shares how her mindset shifted dramatically, from fearing childbirth to embracing a natural, unmedicated home birth as a first-time mom. Her labor lasted 60 hours, pushing her far beyond what she thought possible. Through this journey, she discovered profound personal power, deepened the bond with her partner, and stepped courageously into motherhood. Despite a long labor and shoulder dystocia, her recovery was lovely and swift, with no tearing.She's here to share her story to inspire other women to trust their intuition, surrender to the unfolding of labor, and believe in the immense and incredible strength beyond any perceived limitations they might carry. Curious about Kelsea? Find her on Instagram @kelseaholderWant to work with Anna or join The Sacred Birth Worker Mentorship?Find Anna's Website, about her Mentorship & How to Work with Her, as well as all Links & Resources she mentions in the episode here:www.sacredbirthinternational.com/links-podcast