Podcasts about Chances

Domonique and Charlie are joined by Jeff Saturday to talk about the Patriots' chances to win the AFC and Drake Maye's chances to win MVP, before discussing Lamar Jackson's struggles and whether the Bengals can win the AFC North. 0:00 Welcome to the Domonique Foxworth Show 16:51 Recalibrating how to evaluate the Patriots 30:16 Maye or Stafford for MVP? 37:11 Lamar Jackson's struggles 42:10 Can the Bengals win the AFC North? 44:49 How the Cowboys became lovable Learn more about your ad choices. Visit podcastchoices.com/adchoices

Domonique and Charlie are joined by Jeff Saturday to talk about the Patriots' chances to win the AFC and Drake Maye's chances to win MVP, before discussing Lamar Jackson's struggles and whether the Bengals can win the AFC North. 0:00 Welcome to the Domonique Foxworth Show 16:51 Recalibrating how to evaluate the Patriots 30:16 Maye or Stafford for MVP? 37:11 Lamar Jackson's struggles 42:10 Can the Bengals win the AFC North? 44:49 How the Cowboys became lovable Learn more about your ad choices. Visit podcastchoices.com/adchoices

49ers Insider for The Sports Leader, Matt Maiocco joins the show to discuss the 49ers being in the mix, Super Bowl chances, & the Brandon Aiyuk situationSee omnystudio.com/listener for privacy information.

49ers Insider for The Sports Leader, Matt Maiocco joins the show to discuss the 49ers being in the mix, Super Bowl chances, & the Brandon Aiyuk situationSee omnystudio.com/listener for privacy information.

The Dallas Cowboys are still fighting for a playoff spot, can they get in? And is 60 Million enough to live on?

00:00 High Five.14:40 Nathan MacKinnon and Nikola Jokic's MVP chances.34:15 Danilo Gallinari retires.

State Representative Scott Bottoms (R-15) joins Weld County Sheriff Steve Reams to discuss his prospects as a candidate among a field of about 20 Republican candidates in the race for Colorado governor.

Drake "Drake Maye" Maye authored another MVP-like performance in the Patriots 33-15 win over the New York Giants on the Week 13 edition of Monday Night Football. Jaxson Dart played like a battering ram, but it was no match for a Patriots team that looked poised to make a deep playoff run. In light of the New England victory, Gregg Rosenthal and Nick Shook recap the night's action and evaluate the real contenders in the AFC.NFL Daily YouTube: https://www.youtube.com/nflpodcastsSee omnystudio.com/listener for privacy information.

In the fourth episode of Switch the Play, Cleveland Cavaliers forward Larry Nance Jr. and Roger Bennett are joined by San Antonio Spurs forward Jeremy Sochan to break down Jeremy's upbringing in England, playing youth basketball in the UK, and his path towards Arsenal fandom. Plus, Jeremy compares playing NBA defenses versus football defenses, gives his opinion on if this could be Arsenal's dream season, and discusses what it's like playing for a team with the name Spurs in it. Plus, Larry and Roger talk through Leeds United's tricky fixture list and which football celebrations could best be adapted to the NBA.Football is better with friends. Join our Discord community for conversation with fellow GFOPs, live matchday chat, and to speak with Rog directly: https://discord.gg/DDDUcNWFHESee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Does your nervous system need help regulating even more during the holiday season? Chances are, YES. Your energy is low... lower than normal with all that is on your holiday to-do list. Your stress is high...higher than normal because more is added to your already full plate.  Combined, your low energy and high stress are causing you to, frankly, dread some aspects of the holiday season that you normally LOVE.  Your nervous system needs help. Your nervous system needs to feel safe and secure.  The harmony your body was designed to have is largely dependent on how your nervous system is functioning. Are you stuck in fight, flight or freeze? Is your brain focused on FEAR? If so, your body does not feel safe and secure and healing keeps feeling elusive. Let's change that today. I am going to walk you through how you can begin building your health on a firm foundation rooted in Jesus.  God is a God of detail. Foundations are important.  So build your own foundation of wellness. This happens when you OWN your whole health. Energy. Hormones. Sleep. Nutrition. Movement. Emotions. ALL OF IT. OWN it friend, with God, and see how changes start to happen in your whole health! XO, Michelle    *****FREE WORKSHOP: DECEMBER 4TH 7 PM EST: REGISTER FOR O.W.N. Your ENERGY Workshop    Get rid of your stress induced fatigue, brain fog and belly fat in 12 weeks without dieting, deprivation and disappointment! So you can wake feeling refreshed, have a clear mind for your day and have the energy to be fully present with your family in the evening. Book your  Fatigue Freedom Breakthrough Call today!   HOLIDAY GIFTS FOR YOUR HEALTH: Online Supplement Dispensary Info: BIG sale 11/28-12/3/25 https://us.fullscript.com/welcome/michelle-mccoywellness Essential Oils: https://vibrantblueoils.idevaffiliate.com/6143.html Zeolites: Heavy metal detox: https://treasuredwellness.thegoodinside.com/ Red Light Therapy:  http://therasage.com/MICHELLETREASUREDWELLNESS Code: MICHELLETREASUREDWELLNESS ***Join our community, Fight FATIGUE over 40 with FAITH & Holistic Health, to be supported, encouraged and educated as you take back your health WITH God at the center. **Catch the Treasured Wellness Podcast on https://christianmix106.com/   AND YouTube   ***DISCLAIMER: By listening to this podcast, you agree not to use this podcast as medical advice to treat any medical condition in either yourself or others. Contact your own physician for any medical concerns you have. This entire disclaimer also applies to any guests or contributors to the podcast. Under no circumstances shall Treasured Wellness, LLC, guests or contributors be responsible for damages arising from the use of this podcast.

Today on Script Apart, we're off to see the wizards – the wonderful storytelling wizards, that is, behind the first ever musical we've covered on the show. In the early ‘00s, New York-born-and-raised playwright Winnie Holzman was, like the rest of the city, still reeling from the September 11 attacks that claimed 2977 lives. It wasn't just the attacks themselves that haunted her – it was the division they wrought too. Racial minorities – America's Muslim population, specifically – were scapegoated and othered. All of a sudden, a war stood on the horizon. And so, Winnie got to work with composer Stephen Schwartz on a musical that would subtly grapple with the skyrocketing racism of that moment. Soon, something Wicked was to come our way.Inspired by a book of the same name by author Gregory Maguire, Winnie and Stephen's Broadway extravaganza took one of the defining stories in cinematic history – the Wizard Of Oz – and invited audiences to look at it a little differently. What if the so-called Wicked Witch Of The West in that film – all green skin and shrill cackle – wasn't actually the terroristic threat that Dorothy and viewers thought her to be? What if there was a more tender truth to this woman, who lest we forget, in that 1939 movie, was just trying to retrieve the ruby slippers worn by her dead sister, crushed by Dorothy's house when it's transported via tornado to Oz? Chances are you know what happened next. Forbes Magazine estimates that 65m people have seen Wicked since it hit Broadway in 2003, quickly expanding around the globe. It's the fourth longest-running play in Broadway history. And now, it's a blockbuster smash too. Last year, Winnie's screen adaptation of the musical, written with my other guest today, Dana Fox, of Cruella fame, began its emerald takeover of movie theatres. That first film, simply titled Wicked and covering the first half of the stage play, was a smash. Now, Wicked For Good is here, bringing this tale to the end of its yellow brick road, and Winnie and Dana are full of emotion and reflection. In the spoiler conversation you're about to hear, they tell me about the strangeness of this movie arriving in this particular political moment. I don't know about you guys at home, but the sight in Wicked and Wicked For Good of marginalised groups – munchkins and animals – rounded up and forced from their homes in a year of ICE raids and anti-immigrant anger, struck a really heartbreaking chord for me. It's not all politics, though, I promise! We also get into the prisons of perception that Elphaba and Glinda, played by Cynthia Erivo and Ariana Grande respectively, both exist in and have to break free of in this story. And you'll also hear the pair's reflections on the huge differences between this story about the Gregory Maguire original, which saw Elphaba join an underground terror cell. Script Apart is hosted by Al Horner and produced by Kamil Dymek. Follow us on Instagram, or email us on thescriptapartpodcast@gmail.com.To get ad-free episodes and exclusive content, join us on Patreon.Get coverage on your screenplay by visiting ScriptApart.com/coverage. Hosted on Acast. See acast.com/privacy for more information.

WMAL GUEST: JORDAN EVANS (WJLA Meteorologist) on Today’s Snow Showers and White Christmas Odds SOCIAL MEDIA: X.com/JordanEvansWX LIVE FORECAST: WJLA First Alert Weather Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Tuesday, December 2, 2025 / 5 AM HourSee omnystudio.com/listener for privacy information.

Jerry Jones joins the show to talk about win over Chiefs, playoff chances and an update on Trevon Diggs full 1417 Tue, 02 Dec 2025 14:56:38 +0000 2qoKqvoBG8ECh5afZqAMrL1neGtlvfws nfl,dallas cowboys,sports Shan and RJ nfl,dallas cowboys,sports Jerry Jones joins the show to talk about win over Chiefs, playoff chances and an update on Trevon Diggs DFW sports fans, this one's for you. The Shan & RJ show brings the heat with honest takes, sharp insight, and plenty of laughs covering the Cowboys, Mavericks, Rangers, Stars, and everything Texas sports. Hosted by longtime local favorites Shan Shariff and RJ Choppy, along with insider Bobby Belt, the show blends deep knowledge with real fan vibes — plus regular guests like Cowboys owner Jerry Jones, Head Coach Brian Schottenheimer and former players who keep the conversation fresh and real. New episodes drop Monday-Friday, or you can listen to Shan & RJ live on 105.3 The Fan, weekdays from 6–10 a.m. CT. © 2025 Audacy, Inc. Sports False

Chris walks us through his early life briefly and then dives deep into his coaching business and the Entrepreneurial Operating System used for coaching elite-level companies and teams. Getting his foundation and early structure in the National Guard as a Military Police officer, and then later in civilian law enforcement, Chris can blend the business world and the blunt style of the military and corrections to achieve a desired goal or end state.

Chuck Heinz and Jamie Lent discuss what they think the chances are for Texas Tech Football to win a national championship, how the Tech offense has executed in the red zone since they played BYU, and if they think Kalani Sitaki will leave BYU for Penn State. Jamie asks who do you want Tech to play if they get a first-round BYE in the playoffs for the Question of the Day.

Nesta segunda-feira (1º), nossos comentaristas analisam a rodada da NFL. Learn more about your ad choices. Visit podcastchoices.com/adchoices

A listener writes in asking how to handle the pressure of their final official LSAT attempt. Ben and Nathan remind them that their highest score on record, a 165, is already strong enough for full scholarships at many law schools. They encourage the listener to let go of perfectionism, be comfortable with not finishing a section, and approach test day expecting  incremental improvement.Also in this episode:- An update on an LSAC cheating allegation- Ben and Nathan react to the ABA lifting its probation of Cooley Law- Advice from Demon students who recently crushed the LSATStudy with our Free Plan⁠⁠Download our iOS app⁠Watch Episode 535 on YouTubeCheck out all of our “What's the Deal With” segmentsGet caught up with our ⁠Word of the Week⁠⁠ library0:00 Update on Cheating Allegations5:24 ABA Lifts Probation for Cooley10:50 How to Approach Your Last Official Attempt21:44 Tips from Departing Demons34:25 Chances at a T14 as a Super kJD41:10 Pearls vs. Turds43:27 Personal Statement Gong Show57:12 Word of the Week — Percolation

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  

Paige, what REALLY goes on at the mountain house? Did you know there was a Christmas Vacation 2? WTF. Also we try to guess Paige's nipple size Headlines

Chances are, the things you think you ‘should' be doing right now, are the exact things your future self would be grateful if you didn't do. That's what we're diving into on today's episode.

If you're searching for hope, healing, or encouragement after miscarriage, loss, or delayed dreams, this episode with Myshel Wilkins will speak directly to your heart.So many women silently carry the weight of miscarriage, unanswered prayers, and the gut-level “why, God?” moments that shake your faith. If that's you or if someone you love is walking through heartbreak, today's conversation is a powerful reminder that God meets us right in the middle of our pain.In this emotional and faith-building episode, I sit down with worship leader and author Myshel Wilkins, who bravely shares her journey through eight miscarriages, overwhelming grief, spiritual battles, and ultimately, God's miraculous fulfillment of His promise. Her testimony is raw, hope-filled, and deeply relatable for anyone navigating loss.Myshel shares how worship became her lifeline, how she fought back against the lies of the enemy, and how God used the darkest moments to reveal His presence more intimately than ever before. Her story will help you recognize the traps of despair, choose truth over torment, and cling to the promises God has spoken over your life even when circumstances scream the opposite.Chapters:[00:00] Podcast Preview[01:30] Topic and Guest Introduction[05:18] The Journey of Loss and Grief[10:27] Finding Strength in Worship[12:50] Choosing Faith Over Fear[15:19] The Power of Decision[18:05] Clinging to Promises[22:35] Navigating Marriage Through Trials[27:56] The Impact of Loss and Finding Meaning[29:52] Closing Thoughts and Prayer[33:00] ResourcesResources mentioned:Website: myshelwilkins.comArise, Shine, and ConquerConnect with today's guest:Instagram: @myshelmusicFacebook: @myshel.wilkins1Myshel Wilkins is a multi-gifted recording artist, speaker, wife, and mother whose life and work inspire people around the world. Originally from Frankfort, Kentucky, Myshel grew up traveling internationally with her missionary father and Ghanaian mother, speaking and leading worship across several nations from an early age.After moving to Nashville, Tennessee, Myshel stepped into the Christian music arena and has lent her vocal gifts to renowned artists such as Don Moen, Matthew West, TobyMac, and Mandisa. Chances are, many listeners have heard her voice long before knowing her name.Myshel is a graduate of Tennessee State University, where she earned a degree in political science and was crowned Miss TSU. She later won the national title of Miss National Black Hall of Fame. She also holds a master's degree in Organizational Leadership from The King's University Seminary in Southlake, Texas.Her personal journey through multiple miscarriages has shaped a powerful part of her calling. Today, Myshel is deeply committed to raising awareness about the emotional and spiritual challenges many women face after pregnancy loss. Her story is a moving testament to resilience, faith, and the healing power of hope.Through her music, her message, and her ministry, Myshel continues to encourage others to trust God's promises and discover strength even in the most painful seasons.P.S. If you're just checking out the show to see if it's a good fit for you, welcome!If you're really serious about becoming Visibly Fit, you'll get the best experience if you download the worksheets available at

A great hour 2 of Chiefs talk!

Ben and Matt look back at the two 1-2 defeats for Palace.

Have you ever wondered what would happen if you give a former NFL QB 2 hours of radio in one dau? This show makes that happen with former 12-Year NFL Veteran Scott Mitchell from 10-11am on ESPN 700 & 92.1 FM and 1-2pm on 103.9 & 98.3 ESPN The Fan. Scott w

The fall-to-winter season can feel overwhelming, with demands from work, family, and holiday preparations stacking up quickly. Psalm 127:1-2 reminds us that anything built without God’s guidance is in vain and that true rest is a gift from Him. By intentionally seeking His direction, setting boundaries, and taking meaningful breaks, we can cultivate a peaceful heart even in the busiest months of the year. Highlights God calls us to involve Him in all our work; without Him, our efforts are “in vain” (Psalm 127:1). Seek His guidance early, not just when life becomes overwhelming. Establish clear personal and professional boundaries to prevent burnout. Take intentional breaks during the busy season to rest, reflect, and refocus on God. Align your work and daily routines with God’s purposes to find true peace amidst busyness. Gift Inspiration: Crosswalk's Holiday Gift Guide Looking for a meaningful way to celebrate the season? Check out our Holiday Gift Guide—from beautifully illustrated Bibles and devotionals to novels, greeting cards, and picture books, there’s something for everyone on your list. Wrap up stories for loved ones, tuck a book into your own nightstand, and join us in celebrating the wonder of giving this Christmas! Full Transcript Below: How to Have a Peaceful Heart in a Busy Season By Aaron D’Anthony Brown Bible Reading:“Unless the Lord builds a house, its builders labor over it in vain; unless the Lord watches over a city, the watchman stays alert in vain. In vain you get up early and stay up late, working hard to have enough food — yes, he gives sleep to the one he loves.” (Psalm 127:1-2, CSB) There’s something about the months of September to December that just seem to fly by. Blame the anxiety of school starting or the anticipation of Christmas, but something about the fall-to-winter season makes time seem to fast-forward for everybody! What is also true is that this time of year often brings out the worst in us busybodies, and the usually not-so-busybodies. We toil day and night performing favors, working longer hours for more money, stressing out about getting the right gifts or preparing the right food. We want everything to go right, while at the same time, neglecting our faith, health, and overall well-being. Don’t get me wrong. Work can be useful. Work is a venue for honoring God, serving others, distracting us from sin, and accomplishing good in the world. Faith without works is dead after all (James 2:14-17). That being said, while keeping ourselves busy with work can be productive, there’s an emphasis on can. Are we wise enough to know when work turns from a benefit to a disadvantage? If we’re being honest, usually not. The work we do, whatever that work is, should honor God. As Scripture tells us, anything we build without the Lord is built “in vain.” If we’re going about our busy season and have lost all semblance of peace, then we need to take a step back. Chances are, we’re not honoring God, and much of what we do is being done in vain. Intersecting Faith & Life: If you’re the sort of busybody that gets bogged down somewhere between September and December or all of it, then know you don’t have to stay as you are. You’re not stuck in endless toil and unrest. In fact, there are a few ways to ensure you have a peaceful heart during a busy season: Seek direction from the Lord. Scripture makes clear that we ought to seek God in all that we do. Whatever is done without Him is done “in vain.” We understand this when our backs are against the wall or we hit rock bottom. Then we want nothing but the Lord. However, when life is swell, work doesn’t feel so bad. Rather than wait for the craziness to eat the fan, seek God well in advance. Ask Him for what’s appropriate to do and how to best honor Him. Yes, God enjoys productivity, but putting our work above all else is sinful. Yes, God wants us to serve others, but He doesn’t want us to become so exhausted that we are bitter and angry toward those we wish to serve. By seeking God first, we’ll know how much busyness is good. We’ll have the wisdom to know what to do and how to do it. This will help with time management, navigating relationships, keeping our eyes on Jesus, and so much more. Set boundaries with yourself and others. Sometimes we overextend because we don’t know our limitations, and those who request of us don’t know our limitations either. If you want to find peace amidst busyness, you must set boundaries. That means setting aside time for work and rest, a time to spend in solitude with God, and a time to be among people. If you’re unsure what boundaries should look like, consider consulting someone who practices good boundaries. You may think having limits will hurt you during the busy season. On the contrary, the more rest you have and the better your performance, because you have more energy and mental clarity. Take a break from your toils. You might claim you already know this. You may say you don’t want to hear it again, but someone has to remind you. There is a time for work and a time for rest. Make sure at some point during the busy season, multiple points actually, you take a break from your toils. Find something to do, even by yourself, that feels more like comfort than work. That could mean going for a walk in the park, journaling, reading a book, drawing, or simply praying. Whatever you do, keep your eyes fixed on God. Then nothing you do will be done in vain. Further Reading: Proverbs 3:5-6 1 Corinthians 10:31 Matthew 6:33 Matthew 11:28-30 Ephesians 5:15-17 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

On this episode of the Nickel City Soundtrack podcast we interviewed Mike Mulley the proprietor of the Queen City Gallery which is located in the Market Arcade building in downtown Buffalo. That is not the real reason we interviewed Mike though, We interviewed him because he is a photographer who has been shooting punk , hardcore , metal and other genres since the 1980s. Chances are if you goto shows in Buffalo you've seen Mike photographing bands. We talked to Mike about getting into photography and music. We also talked to mike about his gallery and a whole lot more. Chris couldn't make it so we had Shanzig on as a special guest interviewer.

On this episode of the Nickel City Soundtrack podcast we interviewed Mike Mulley the proprietor of the Queen City Gallery which is located in the Market Arcade building in downtown Buffalo. That is not the real reason we interviewed Mike though, We interviewed him because he is a photographer who has been shooting punk , hardcore , metal and other genres since the 1980s. Chances are if you goto shows in Buffalo you've seen Mike photographing bands. We talked to Mike about getting into photography and music. We also talked to mike about his gallery and a whole lot more. Chris couldn't make it so we had Shanzig on as a special guest interviewer.

JD Vance’s Chances of Being 2028 GOP Nominee Plunging: Polls. Sean Duffy Longs for the ‘Golden Age’ of Air Travel. What Was That Like? // Zelensky’s top aide and key peace negotiator resigns after anti-corruption raid of his home. Kasparov at Washington security forum: NATO doesn’t exist, it’s fake. Ukraine is only country doing what Alliance was built for // GUEST: ANDY DOOLEY, in-game host for the Seahawks, previews this Sunday's matchup between the Seattle and Minnesota 

JD Vance’s Chances of Being 2028 GOP Nominee Plunging: Polls. Sean Duffy Longs for the ‘Golden Age’ of Air Travel. What Was That Like? // Zelensky’s top aide and key peace negotiator resigns after anti-corruption raid of his home. Kasparov at Washington security forum: NATO doesn’t exist, it’s fake. Ukraine is only country doing what Alliance was built for // GUEST: ANDY DOOLEY, in-game host for the Seahawks, previews this Sunday's matchup between the Seattle and Minnesota 

It's not a happy Thanksgiving for the Chiefs. Playing on the holiday for the first time in nearly two decades, the Chiefs dropped a 31-28 decision to the Dallas Cowboys and damaged their playoff chances.How much? On SportsBeat KC, the sports podcast of The Kansas City Star and KCUR, beat writer Pete Sweeney and columnist Sam McDowell share their thoughts on what went wrong and how the outcome impacts the season.Patrick Mahomes threw four touchdown passes in his NFL debut at the stadium near where he grew up, but it wasn't enough to overcome poor defense, penalties and other problems.Check out our full coverage of the Kansas City Chiefs: https://www.kansascity.com/sports/nfl/kansas-city-chiefs/ 

TSN NFL Analyst Luke Willson joined OverDrive to discuss the headlines around the NFL, Jalen Hurts' season with the Eagles, Lamar Jackson's disastrous performance, the AFC North division favourite, the Chiefs dynasty nearing a conclusion and more.

NHL writer Julian McKenzie joins to talk Bruins' playoff chances

Segment 1: We're into the 6pm window Sunday with some big playoff impacting results coming in the early slate.49ers @ BrownsCardinals @ BucsRams @ Panthersfollowed by less exciting games in the quick picksOur friends at QuinnBet have great odds on the NFL season, amazing Acca Bonuses, Acca Insurance & many other daily specials. Find out more at⁠⁠ ⁠https://www.quinnbet.com/uk/sports/specials⁠⁠⁠. Remember it's 18+ T&Cs Apply - Always Gamble Responsibly.

Chances are that at some point in the next few days, a couch in your house will be occupied by someone watching football. It's America’s most popular sport and the National Football League unites much of the country in a shared passion. But the league faces a tricky potential threat to that: politics. Christine Brennan, a sports columnist for USA Today, joins Lisa Desjardins to discuss. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Welcome to 30 Tips in 30 Days! Over the entire month of November, I will be releasing a short, bite sized episode of Fearless Presentations every morning covering things that are absolutely essential to being a better presenter. Whether you've been speaking professionally for years and years or are looking to just start your public speaking journey, applying just these 30 tips I cover here will instantly and easily make you improve as a speaker. We are our own biggest critics. Think about how many presentations you've sat through in your life. Every speech, lecture, class, presentation, everything. Chances are, you maybe recognized the nerves of a specific presenter two, maybe three times ever. We very rarely are focused on the little mannerisms of the speaker unless we are outrageously bored, so just focus on making your presentation entertaining, engaging, and informative and nobody will notice wet palms or sweaty brows.Show Notes: 101 Public Speaking Tips For Delivering Your Best Speech(https://www.fearlesspresentations.com/101-public-speaking-tips-for-delivering-your-best-speech/)

Chances are that at some point in the next few days, a couch in your house will be occupied by someone watching football. It's America’s most popular sport and the National Football League unites much of the country in a shared passion. But the league faces a tricky potential threat to that: politics. Christine Brennan, a sports columnist for USA Today, joins Lisa Desjardins to discuss. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

The Alabama Crimson Tide visits the Auburn Tigers Saturday in Jordan-Hare. Alabama Football is a 6-point favorite over Auburn Football. For Alabama, is it win and in the College Football Playoffs? The SEC Championship Game is Alabama's destination with a win over Auburn. Would that be only viewed as a “bonus” by the committee? Alabama tackle Kadyn Proctor on how physical Auburn's defense plays. Who is the more physical team, Alabama or Auburn? For Auburn, does a win make DJ Durkin the most appealing candidate for the head coaching position or, are you Jon Sumrall or bust? Auburn interim coach DJ Durkin on what he sees in Alabama QB Ty Simpson. Bigger Iron Bowl motivation: Bowl eligibility or beating Alabama? PLUS, LT's Trash presented by Bud Light! SUBSCRIBE: @NextRoundLive - / @nextroundlive FOLLOW TNR ON RUMBLE: https://rumble.com/c/c-7759604 FOLLOW TNR ON SPOTIFY: https://open.spotify.com/show/7zlofzLZht7dYxjNcBNpWN FOLLOW TNR ON APPLE PODCASTS: https://podcasts.apple.com/us/podcast/the-next-round/id1797862560 WEBSITE: https://nextroundlive.com/ MOBILE APP: https://apps.apple.com/us/app/the-next-round/id1580807480 SHOP THE NEXT ROUND STORE: https://nextround.store/ Like TNR on Facebook: / nextroundlive Follow TNR on Twitter: / nextroundlive Follow TNR on Instagram: / nextroundlive Follow everyone from the show on Twitter: Jim Dunaway: / jimdunaway Ryan Brown: / ryanbrownlive Lance Taylor: / thelancetaylor Scott Forester: / scottforestertv Tyler Johns: /TylerJohnsTNR Sponsor the show: sales@nextroundlive.com #SEC #Alabama #Auburn #secfootball #collegefootball #cfb #cfp #football #sports #alabamafootball #alabamabasketball #auburnbasketball #auburnfootball #rolltide #wareagle #alabamacrimsontide #auburntigers #nfl #sportsnews #footballnews Learn more about your ad choices. Visit megaphone.fm/adchoices

Marshall Harris and Mark Grote were joined by Mike Florio of Pro Football Talk to discuss the latest Bears and NFL storylines.

Seth and Sean discuss the chess match between the Texans and Colts this Sunday and how winning or losing could affect the Texans' chances at making the playoffs.

In this episode, Maggie and Brynna discuss probability, Huguenots, and the origins of the internet.Find us on Patreon: patreon.com/bainscienceFeatured BA: Abraham de Moivre

Sneaky negativity is the quietest confidence killer in your mind — and the most dangerous. In this episode, we expose the disguises negativity wears: the doubts that dress up as wisdom, the self-pressure that pretends to be motivation, and the subtle ways high achievers accidentally talk themselves out of their own potential. Chances are, you've been thinking one or two of these thoughts this week — maybe even today. If you've ever wondered, “Why do I feel heavy even when nothing is wrong?”, this episode will finally make everything click. ✅ ‌ FREE CLASS! LEARN HOW TO STOP CARING WHAT PEOPLE THINK ‌ Don't forget to sign up for our free “How to Stop Caring What People Think” webinar masterclass at https://www.trishblackwell.com/stopcaring ‌ ✅‌ GET ACCELERATED RESULTS: Our next-level coaching happens at: http://www.collegeofconfidence.com ✅ STAY CONNECTED.

Valenti and Rico spent the second hour continuing their Lions conversation from the hour before giving some thoughts on what MSU could possibly be planning to do with Jonathan Smith.

More of the people chime in on the Lions potentially missing the playoffs.

Has Mike Kafka already coached himself out of becoming the full time guy for Big Blue?

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Co-Hosts: Ben Criddle (@criddlebenjamin)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

#LFC #LiverpoolFC #LiverpoolFootballClub EXCLUSIVE NordVPN Deal ➼ https://nordvpn.com/bloodred Try it risk-free now with a 30-day money-back guarantee You can order your copy of the November issue of Blood Red here. It is also available to buy in participating retailers in the Liverpool area. After losing to Nottingham Forest at Anfield, Liverpool will look to bounce back against PSV in the Champions League. Matt Addison and Richard Garnett look back at the weekend's Premier League defeat and ahead to the midweek tie in Europe, and discuss if the UEFA competition is Arne Slot's best hope for success this season. Get exclusive Liverpool FC podcasts and video content everyday right here.  Subscribe to the Blood Red Liverpool FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3OkL9iT Listen and subscribe to the Blood Red Podcast for all your latest Liverpool FC content via Apple and Spotify: APPLE: https://bit.ly/3HfBvKq SPOTIFY: https://bit.ly/3SdsjeH Join our Blood Red podcast group on Facebook: https://www.facebook.com/groups/1656599847979758/ Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/liverpool-fc Follow us on Twitter: https://twitter.com/LivEchoLFC Follow us on Facebook: https://www.facebook.com/LiverpoolEchoLFC Follow us on Instagram: https://www.instagram.com/bloodred_lfc Follow us on TikTok: https://www.tiktok.com/@bloodred_lfc Subscribe to us on Twitch: https://www.twitch.tv/bloodredliverpoolfc Learn more about your ad choices. Visit podcastchoices.com/adchoices

Does Eli have a chance at the Hall of Fame? Audio Files featuring Hal Steinbrenner, and Lane Kiffin. Learn more about your ad choices. Visit podcastchoices.com/adchoices

(00:00) Zolak & Bertrand and McCarthy, in for McKone, start the show from Gillette Stadium hooting about owls. They transition to the City of Warwick 2026 Calendar talk.(10:57) The crew react to Mike Giardi claiming the Patriots Super Bowl chances have taken a hit following last week's winning effort versus the Bengals.(19:47) Zolak & Bertrand react to comments made by former NFL LB Manti Te'o regarding the Patriots winning in multiple ways. Matt McCarthy admits to never believing in the Patriots as legitimate Super Bowl contenders.(28:19) The Football Card.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Good-hearted country boy Petie Miller vanishes without a trace two days before his wedding in Virginia's Shenandoah Valley in 1983. Some speculate it's a case of cold feet, but investigators suspect cold-blooded murder. The bride's stepfather, a violent career criminal named Charlie Almond, is the prime suspect. Circumstantial evidence suggests that Almond killed Miller and successfully disposed of the body. But with no witnesses, no forensic evidence, and no body, Almond is allowed to walk free. Meanwhile, Miller's father never stops seeking answers about what happened to his son. For three decades, he tirelessly pushes the investigation forward, imploring the authorities to keep his son's case file open. Finally, thirty-two years later in 2015, new witnesses emerge and Almond, now an octogenarian, is charged with first-degree murder. Chances of a guilty verdict seem slim, but special prosecutor Phil Figura, known in courtrooms as the “Dragonslayer,” is determined to bring justice. Can Figura win a conviction in the oldest, coldest “no body” murder trial in United States history?Bestselling true crime author Ron Peterson, Jr. was provided exclusive access to the police case file to research this compelling story, interviewing over fifty sources, including family members of both Petie Miller and Charlie Almond, and working closely with prosecutor Phil Figura and lead investigator Aaron LeVeck.In a case where justice seems impossible, could the truth finally prevail—or will a killer once again slip away? RUNAWAY GROOM: Cold Feet—or Cold-Blooded Murder?—Ron Peterson Jr. 

The guys continue to talk about the Lions' underwhelming win over the Giants, giving their main takeaways as to what our long-term expectations should be.