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Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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.  You get paid first: Text FAMILY to 66866 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— 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, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith 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 in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Aquesta setmana al Males Vibracions, l'Andreu té pressa, però Òscar i Rubén rematen la feina. Tenim secció "Ni tan Mal" d'Eduard, novetats, Agenda Vibradora, aniversari de Sid, algun plagi, al tito Young i fantasies vàries. És el 1er del 25. Llistat: The Velvet west - Electric Buffalo; Slim Paul - Tomorro's Nest; The Wrong Society.- Find me Gone; Glándula - El shake de la autopista; Clean Lines - Want more; Montefuji - Mundo Feliz; Gailu - Euzko Polizia; Koko Jean & the Tonics -Gonna Be A Party Tonight; Los Puntos - Annie; Desmadre 75 - Saca el Güisky, Chely; Bobbie Goldsboro - Proud Mary; Ria Bartok - C’est l'amour; Alan Caddy Orchestra And Singers - Travelling Band; Pink Floyd - See Emily play; Neil Young & The Shocking Pink; Vanusa - What to do.

Chely Wright is country-music artist, author and LGBTQ+ activist. Named "Top New Female Vocalist" by The Academy of Country Music, she rose to fame as a commercial country singer in the '90s, and has since released 9 studio albums and charted more than 17 singles on the Billboard charts, including "Shut Up and Drive," "Single White Female," and "The Bumper of My S.U.V." She made history by being the first country music star to publicly come out as gay, which she wrote about in her 2010 memoir Like Me. The documentary film about her coming out process, "Wish Me Away", was nominated for an Emmy Award. Subsequently, her life's changed to include advocacy and corporate engagement around Diversity, Equity, and Inclusion, and she currently serves as Chief Diversity Officer at Unispace--a global strategy, design, and delivery firm. She is also Vice-Chair of the Gay, Lesbian & Straight Education Network Board of Directors, which is the leading national education organization focused on ensuring safe schools for all students. She was also recognized as a 2023 Crain's New York Business Notable LGBTQ Leader. Her latest book is 2022's My Moment: 106 Women on Fighting for Themselves. Chely shares her incredible journey from Wellsville, KS to the Grand Old Opry and her courageous decision to acknowledge her sexuality at the height of her career. This is her brutally honest and inspiring story. Got somethin' to say?! Email us at BackroomAndy@gmail.com Leave us a message: 845-307-7446 Twitter: @AndyOstroy Produced by Andy Ostroy, Matty Rosenberg, and Jennifer Hammoud @ Radio Free Rhiniecliff Design by Cricket Lengyel

Como siempre, tuvimos razón. En este episodio especial Coti, Chely & Peña hablan sobre su desaparición repentina y se disculpan con todos los chimbamigues por no dar noticias. Disfruten y felices fiestas

Para este programa hacemos el análisis de la 11va. jornada con el PRIMER EQUIPO de Chivas FEMENIL, su categoría Sub19 así como el parón por Selección Nacional y su participación en la Clasificatoria a la Copa Oro W 2023 !!! gracias por vernos!!!SIGUENOS EN NUESTRAS REDES SOCIALES:▶️ https://www.youtube.com/@LosBaloneros

In this week's special episode we talk with our Camino De Santiago friends some new  and some that are on the journey with us. We learn that we can always learn from others and that being in the flow happens when we are present in the moment, open to learning, and open to living.  On this leg of my Camino trip, our group is light one cosmonaut, because our yogi Vanessa finished her Camino experience. I am  feeling fortunate to have had Vanessa on the trip our youngest Maester and I also feel fortunate that as a group we saw such amazing villages in France.  We said goodbye to the quaint villages of Le Puy, Aumont Aubrac, Nasbinal, St. Chely, St. Colm d'olt, Espalion, Estaing, Golinhac, Conques, St. Circ La Popie, Rocamadour and Figeac. We got around

Support me on patreon for two bonus episodes every month: https://www.patreon.com/iictisatpod “Postcard from Camp Gaylore” Cosmopolitan Article by Frankie de la Cruz: https://www.cosmopolitan.com/lifestyle/a44903791/taylor-swift-queer-theories-camp-gaylore/ Interview w/ Patrick Haggerty re: ‘Lavender Country'(1973): https://www.theguardian.com/music/2014/apr/10/country-music-gay-stars-kicking-closet-door-lavender-country Chely Wright answering audience question re: being closeted in Hollywood: https://www.youtube.com/watch?v=odWTVdhzYRY Chely Wright “Wish Me Away” Documentary: https://www.youtube.com/watch?v=UD_dnIGvGtk Interview w/ Chely re: ‘Picket Fences': https://countryqueer.com/stories/interview/chely-wright-interview/ Interview w/ Chely re: YNTCD Music Video: https://www.facebook.com/CNNReplay/videos/country-musics-chely-wright-taylor-swifts-message-of-inclusivity-saves-lives/196784304560949/ Unreleased song 'Thinkin Bout You' written by Taylor Swift and Chely Wright: https://genius.com/Taylor-swift-thinkin-bout-you-lyrics Chely Wright Gaylor “I see you.” Tweet: https://twitter.com/chelywright/status/1619857837538299904?s=46 Gaylor creator shout out

Welcome to Queerly Recommended's Documentary Era! With the writer and actor strikes continuing in Hollywood, Kris and Tara have been digging into a lot of interesting and provoking queer documentaries. Everything's about eras these days, isn't it? Tara is living in that kids-going-back-to-school era. Kris is entering a new professional era… and she might even be slipping into her third-person era. It's wild. Also, Tara gives Kris a big surprise. Official Recommendations From Kris: Wish Me Away (2011)  This week, Kris continues her long line of musical documentary recommendations with Wish Me Away. It tracks the story of Chely Wright, the first major country music singer to come out publicly as queer. Kris describes Chely's coming out as "a blaze of glory," something the star did intentionally and confidently, despite the negative repercussions. From Tara: Freedom Uncut (2022)  Spurred on by Kris's Wham! (Netflix) recommendation last episode, Tara recommends the documentary George Michael Freedom Uncut, which follows George Michael's career after Wham!. It paints the star's life, including his public and private successes and losses, as one defined by a sadness deeply felt, and his legacy of beautiful, timeless music. Works/People Discussed Alone Australia (SBS) Eliza Lentzski's Winter Jacket Series RuPaul's Drag Race Down Under (WOW Presents Plus) Alone (History Channel) Maintenance Phase Podcast “You Just Need to Lose Weight” and 19 Other Myths About Fat People by Aubrey Gordon Support & follow the show Buy us a Ko-fi Sign up for our newsletter Twitter: @queerlyrec Facebook: @QueerlyRecommended Instagram: @queerlyrecommended Tumblr: @queerlyrecommended TikTok: @queerlyrecommended Get all our links on Linktr.ee Support local animal shelters by joining Kris's Patreon

Franchesca Ramsey, also known as Chescaleigh, is an American comedian, activist, television, and YouTube personality, and actress who has appeared on MTV and MSNBC. Join Michael Jamin and Francheca as they explore her path to success, lessons learned, and what it takes to make it in Hollywood.Show NotesFranchesca Ramsey's Personal Site - https://www.franchesca.net/Franchesca Ramsey on Wikipedia - https://en.wikipedia.org/wiki/Franchesca_RamseyFranchesca Ramsey on Instagram - https://www.instagram.com/chescaleigh/Franchesca Ramsey on TikTok - https://www.tiktok.com/@franchesca_leighFranchesca Ramsey on Twitter - https://twitter.com/chescaleighAutomated TranscriptFranchesca Ramsey (00:00:00):No. You, you never, you never know. And, you know, on the topic of Nose and Failures, I went to the red carpet for the Emmy's in 2008 and I swore that was gonna be my big break. I thought, I was like, I'm never going back to the chamber. Like I, I remember my boss.Michael Jamin (00:00:15):So you went as what?Franchesca Ramsey (00:00:17):As I was a red carpet reporter for.com. Oh yeah. I was on the red carpet. I interviewed like Kathy Griffin and Neil Patrick Harris. And I sang with Josh Groin. Like I had the best time. Right. And then I had to fly back to Florida and go to work. And I was heartbroken. I thought I was gonna get an agent. I thought I was gonna, I just thought like, this is it. I'm, I'm making it. And I did not make it.Michael Jamin (00:00:42):You're listening to Screenwriters. Need to hear this with Michael Jamin.(00:00:50):Hey everyone, it's Michael Jamin. Welcome back to another episode of Screenwriters. Need to hear this. I have a wonderful special guest today and she's extremely inspiring. And if you want to be a screenwriter, you need to hear how this woman broke in because it floored me. I'm here with Franchesca Ramsey and she has all, she's a multi-talented person cause she's an actor or writer performer. But she started as a YouTuber.Franchesca Ramsey (00:01:13):I started on the internet. It's honestly, it still blows my mind when I say it. But the internet opened so many doors for me and I could not be more proud of the career that it's helped me build.Michael Jamin (00:01:26):And you have so much. But I think what's most, like, I wanna talk about all your successes, but to me, what I really interested by are all the failures that led up to yourFranchesca Ramsey (00:01:35):Success,Michael Jamin (00:01:36):. Cause this is not overnight. No. that you made it.Franchesca Ramsey (00:01:39):No, absolutely not. And I really try to be transparent about those things because I know how it is when you're on the other side and you're watching people have all of these wins and you're comparing yourself to them and you're suing that everything is going their way. And the reality is, more oftentimes than not, there are so many nos behind the scene before they got to the yeses that you're getting to watch and experience. Right. So I, I've had a lot of them. ,Michael Jamin (00:02:09):We're gonna go through 'em, but lemme just tell everyone how we met. Cuz we only met on, on Friday. On Friday. I'm not big on Twitter, but I checked it for some reason, fate told me to check it. And someone had tagged me in a tweet saying, there are two screenwriters you need to follow me and you and your your, your Twitter is tr is is ChecheFranchesca Ramsey (00:02:26):Lee. Yeah,Michael Jamin (00:02:27):Chely. Which is, which is Lee's probably your middle name.Franchesca Ramsey (00:02:29):Lee is my middle name. Yeah.Michael Jamin (00:02:31):Okay. And so they tagged me and you and I, I didn't know you, so I was like, oh, look at her. And I clicked on your link and then I, and I realized, oh, what, you got a huge following and you have some interesting, you talk about interesting things. So I follow you. And then later that day, literally that day, I'm picketing cuz run, strike the Disney lot. And then you call out to me cuz you recognized me.Franchesca Ramsey (00:02:49):Yeah. Oh my God. I mean, I, I mean I, so I started following you on TikTok. It's been a while. I'm still pretty new to TikTok. I think I've only been on there like a year. I'd begrudgingly joined. I was one of those mm-hmm. . and so there's not a lot of TV people on there. Right. And the thing that I was saying to you at the Disney lot was, I appreciate that you have demystified the, the process and the business because there are a lot of people who love and enjoy television, talking about the business, and yet they have never worked in the business. And you come from a place of, yeah, I have sold shows. I've worked in hit series. I, you know, you've done so many things. And just being able to see someone who knows what they're talking about, but again, is making it accessible, is really inspiring. And it really is in line with the ethos of my work.Michael Jamin (00:03:39):And and you do all of that. I wanna talk about, jeez. Well, actually, actually, I should probably say how everyone knows you. Okay. Yes. You've done a ton. You first of all, you were a correspondent on the Nightly Show with, with Larry Wilmore, who Yes. It's funny I know so many writers and he, I, I think of him as a sitcom writer because he's written, he's a writer. Yeah. But he's also a performer's. Like you're singing yourself. He's a multi-talented person, but also decoded on m comedy Central. Mm-Hmm. Franchesca Ramsey (00:04:05):Mtv. Mtv. Decoded. Oh,Michael Jamin (00:04:06):Mtv. Yeah. Okay. I, Carly, which you did one season on Yeah.Franchesca Ramsey (00:04:09):The reboot. I, yeah, I did the first season of the reboot.Michael Jamin (00:04:12):Right. And that must have been, oh, I don't wanna talk about that. Yeah,Franchesca Ramsey (00:04:16):Yeah.Michael Jamin (00:04:16):We'll talk about that. We're gonna get into all that. You, you wrote for the Oscars in 2020. Mm-Hmm. you were, you were recurring on superstores an actor, right?Franchesca Ramsey (00:04:24):I was, yeah. I was recurring, recurring for 12 episodes in season six.Michael Jamin (00:04:28):Wow. That's, that's, that's,Franchesca Ramsey (00:04:29):Yeah. And I did that and I did that while I was a writer, producer on iCarly. So I had They didn't let you leave? They did let me leave. And I had many a times that I was on set at five o'clock in the morning to shoot, to go to shoot a superstore. And then I still had to get my outline and on time , and I did it. Oh my God.Michael Jamin (00:04:51):But, but Oh, and but you started mm-hmm. , even before this, you had a, you had a viral video Yeah. That went on YouTube.Franchesca Ramsey (00:04:58):Yeah. So I, I started making YouTube videos when I was in college. Not to date myself Right. But my senior year of college, YouTube was founded and I started making YouTube videos. And I had my very first viral video in 2012, which was Shit, white Girls Say to BlackMichael Jamin (00:05:15):Girls. Oh, you started, but you didn't start in 2012.Franchesca Ramsey (00:05:17):When did you start? No, I started in, I started in 2006.Michael Jamin (00:05:20):And then, right. So you had many, you did years of not making viralFranchesca Ramsey (00:05:25):Videos. Yes, yes, yes, yes. I was working as a graphic designer. I worked I worked in beauty and fashion mostly. So I worked at Maybelline, I worked in the package department. I was Photoshopping eyelashes on packages. The mascara does not make your eyelashes that long. , that was me. And then I also worked at Anne Taylor and I was working at Ann Taylor when I went viral in 2012.Michael Jamin (00:05:50):But did you not, did you, like when you were in high school, in college, did you want, I mean, guess, did you wannaFranchesca Ramsey (00:05:55):Be a writer performer? Yeah, no, actually I wanted to be an actor. I went to a performing arts middle and high school. There are a number of alumni from my high school. The person that most people know is Eric Andre. He's a comedian. Right. He was a year older than me. And there are a lot of us from my high school that are still in the business. And I went to college for acting. I went to the University of Michigan, but I left largely because I was struggling after losing my acting scholarship. I had a scholarship my first year, my second year I didn't. And I got a job. DidMichael Jamin (00:06:26):They, could you a scholarship for only one year? IsFranchesca Ramsey (00:06:28):That how works? Well, it was so it was not a need-based scholarship, meaning that it was not based on your parents' income. It was a talent based scholarship. So I auditioned for the school. I got a scholarship my first year. And then after that, the whole faculty voted on who got the scholarship. And because I was only a sophomore, I didn't know everybody. So most of the people that got the scholarship the next year were like juniors and seniors. So I was working part-time at school. I worked for the School of Public Health. I was working on their website. I was a self-taught designer had a bootleg of Photoshop and I'd gone to H T M L camp in middle school. And so I was like uploading files and shit, and I was getting paid 20 bucks an hour. And I was like, yo, this is it. I was like, maybe I should be a graphic designer. . So I left Michigan, moved back to Florida, which is where I'm from, and went to design school and was Oh, really? Studying graphic design. Yeah. And, you know, just I always kept a blog. I'd had a website since middle school. And when YouTube came out, I was like, yo, this is, this is really neat. ButMichael Jamin (00:07:34):This was just cuz you wanted personal expression.Franchesca Ramsey (00:07:37):Yeah. I just thought it was cool. I'd always, I was on live journal and I had dreadlocks at the time, and so I was always like taking photos of my hairstyles and like doing tutorials and just writing about my daily life. I mean, before, before there were digital cameras, I had like a scanner. And so I would go and get my photos developed and then I would scan them and I would post them on my little website. And it was just, I've always been a journaler. I've always like really loved, like just keeping track of my life. I am an only child, so I, I just like, I, that's just always been my form of expression. And so when YouTube came out, I felt like it was the perfect combination of all the things I was already interested in. Right. So I started making YouTube videos in 2006.Michael Jamin (00:08:21):But, and some of those, cause I went, I I scrolled down. You got a long list.Franchesca Ramsey (00:08:24):Yeah. I have so many .Michael Jamin (00:08:26):And some of them were just like, oh, here's, here's how I do my hair. And here's like, yeah. But then you started venturing off into more scripted, you know,Franchesca Ramsey (00:08:33):Compliment stuff. Yeah. I mean, so honestly what happened was I was watching Eric become a successful standup, and I remember him calling me and him saying, there are no black girls in New York doing standup. And I was like, really? And he was like, yeah. Oh my, this is my bad Eric. He's like, yeah, yeah, yeah. You got it. You got you. They're so funny. You should be doing this. And I was like, oh, I don't know. Like, I've never done standup. Right. And so I got a copy of the Comedy Bible, which is a great book that I recommend. Okay. And I used it to write my first standup set and was doing comedy in, in Miami and was making sketches and trying to promote my comedy career via YouTube. AndMichael Jamin (00:09:14):Was that working? I mean,Franchesca Ramsey (00:09:15):Yeah, it was. I mean, I was, it's so interesting because where we are with social media is just like, it just feels so accessible now. But like back in my day, I didn't know anyone that had a website. Right. And I had business cards that had my website, my YouTube on them, and I would go to comedy shows and I would say like, oh, you should watch my YouTube channel and like, get on my email list. And, you know, when I would do competitions at the Hollywood Improv, like I would send out emails and I would say, please come to my shows. And did people I Yeah, they did, they didMichael Jamin (00:09:51):Come. So these are your fans would come basically people who were on your email list? JustFranchesca Ramsey (00:09:55):People that I would, I would, I would, if you met me somewhere, I was asking you to be on my email list. Really. And after I graduated college, I got a job as the communications manager at the Miami Beach Chamber of Commerce. So I was doing all of their graphics and PR stuff. And so I was learning how to write press releases. And so like, I was using that to build my online community for my YouTube channel. Right. And I, yeah. And I entered a YouTube contest in 2008, I guess. Yeah. 2008. It was the Red Carpet Reporter contest. Really? And I went to the Emmy's. Yeah. And I I You,Michael Jamin (00:10:33):You entered and you won?Franchesca Ramsey (00:10:34):I entered and I won. And I, I , I really used the things I learned at the Chamber. Like I sent out a press release about myself, , to like, local news. And news was on like my local news. Wow. I threw a party so people would vote for me. Like .Michael Jamin (00:10:52):So this is like, it was a lot. Cause so many people say, well, you know, how do I get an agent? How do I, people expect agents, managers, producers to make their career. And that's not what you are doing. No,Franchesca Ramsey (00:11:03):No.Michael Jamin (00:11:03):You're doing it yourself and you're not asking for permission, you're doing it.Franchesca Ramsey (00:11:07):No, I, working at the Chamber was really eye-opening for me because I learned so much about the power of networking. Right. I always had business cards. Every time I would meet someone like a tip that I learned was I would keep a little sharpie in my bag and I would write a interesting tidbit about them on their, on their business card. And then I would email them and I would talk about something that they had said to me. So like, if you said, oh, I gotta leave for my kid's soccer game, I would email you and I'd say, it was really great meeting you at the, the Coffee with the President event. I hope your kid, you know, killed the soccer game. You know, some, just something like that. And then people would be like, oh my gosh, she was so thoughtful. Like, yeah.Michael Jamin (00:11:44):But these are people who you, you don't, are are these people that you think that can help you? Like, who are these people you're meeting that you want their business card, that you wanna wanna email them? No, they'reFranchesca Ramsey (00:11:52):Not, they're not people that I think can help me. Like, I, I just think of it as, you know, when you meet someone and you connect with them, it's not necessarily that they're gonna help you get further mm-hmm. . But like, if, if we have a connection and we like each other, like maybe there's a world in which we work together, or Yeah. I've got this, I'm doing this contest and I need as many votes as possible. And I met you at an event and we got along, or I'm doing standup now and I'm like, Hey, you know, remember I was kind of funny when we met, like come to the standup,Michael Jamin (00:12:22):But how often would you, if you met, I don't know, let's say, I don't know how many people we've met in a month, let's say it's a dozen. How often are you contacting them to stay in touch to let them know they'reFranchesca Ramsey (00:12:32):Live? So I was, so, so again, I was working at the Miami Beach Chamber of Commerce, which is a membership organization for small businesses. Mm-Hmm. . And we would put together events. We had a weekly coffee with our president every Friday. We had dinner galas, we had golf tournaments. We would go to like, opening of businesses. Like we were doing events all the time. And at every event I was just like, hi, hey, nice to meet you. And I was just meeting as many people as possible and I was doing some of this on Company Jam. I was sending emails and being like, Hey, I met you at this event, can I put you on my email list? You know? Right. soMichael Jamin (00:13:06):I How did you get to be so smart about this though? I mean, like, like did someone teach you this or is this like, I'll just gonna, I like thisFranchesca Ramsey (00:13:11):Idea. I, I will say I learned a lot from the Chamber because we had we had like a women's group and we had like a young professionals group. And because I worked at the Chamber, I was there for all of these events. And I will also add, this was my first job outta college. I am still friends with the people I worked with at the Chamber. I'm still friends with the members that, you know, I met when I did my book tour in 2018, I was able to do it at a bookstore that was one of the members of the chamber when I, you know, I was like trying to get something together. And the bookstore was like, yes, we will absolutely buy copies of your book. We remember you. Right. And right. And it's, I think oftentimes people think about networking for like, these selfish, you know, I'm gonna move forward.(00:13:57):Right. But if you come from a genuine place of just getting to know people and, and showing real interest, my dad always says, be interested. Not interesting. Right. Actually, just like getting to know people and connect with them, you will find that people are like, yeah, you know what? I could throw you five books. You know what? I got a place that you can host a comedy show a actually I will buy a book. Like, people wanna help you. And I was really fortunate I got that job not knowing what it was. And I say all the time, it really like laid the foundation for me when it came to the power of networking and that people like who, you know, really does help you get ahead. But it also enriches your life and your career.Michael Jamin (00:14:38):But how else did it help you knowing any of these people later? Like how, how else did it, you know, materially Okay. I get, yes, you had a and you could, you could do a signing at the store, but how else did it help you?Franchesca Ramsey (00:14:50):I think just helped me to see people that like believed in me. You know, when it was time for me to have comedy shows and stuff. And especially there's so many places where you have to ha bring 10 people. Oh, okay. You, you, you gotta do a bringer show if you're gonna get on stage. And so, you know, kind of corralling my email list to get people to come and support me when I did that YouTube contest and I needed people to vote for me. Right. I, there was a member who had a nightclub and so I threw a party at the nightclub and it was genuinely me just being like, can I throw a party here? And they were like, yeah, no problem. Your, are your friends gonna buy drinks? Right? Yes. . So I set up little laptops and I had people voting for me at the party and Wow. And I, and I won the contest.Michael Jamin (00:15:35):So these are just so small, little, little unexpected ways that just pay that just pay off. But you don't know how or whenFranchesca Ramsey (00:15:41):Yeah. Pay off. No, you, you never, you never know. And, you know, on the topic of knows and failures, I went to the red carpet for the Emmy's in 2008 and I swore that was gonna be my big break. I thought, I was like, I'm never going back to the chamber. Like I, I remember my boss. WellMichael Jamin (00:15:57):You went as what? AsFranchesca Ramsey (00:15:59):I was a red carpet reporter for people.com. Oh yeah. I was on the red carpet. I interviewed like Kathy Griffin and Neil Patrick Harris and mm-hmm. , I sang with Josh Groin, like I had the best time. Right. And then I had to fly back to Florida and go to work and I was heartbroken. I thought I was gonna get an agent. I thought I was gonna, I just thought like, this is it. I'm, I'm making it. And I did not make it. I went AndMichael Jamin (00:16:24):How did you get that job to begin with? The, you know, the red carpet shop? I, because you didn't have an agent?Franchesca Ramsey (00:16:29):I, I entered the YouTube contest. So theMichael Jamin (00:16:31):Contest that was just from that.Franchesca Ramsey (00:16:31):Okay. Yeah. So you had to send in a video of you doing an interview. And I interviewed like my boyfriend at the time and my dog. And then I, you know, I was in the finalist and then I went on the streets of Miami Beach and I just interviewed people. Right. And and then it was voting. So then I, you know, I was doing all, I was hustling to get votes.Michael Jamin (00:16:50):It's so funny cause you are not shy. I mean, no, like, that's how I met. I mean, right. And good for you and good for you. I mean, who else is gonna advocate for you, if not for yourself? I think people want agents. Like they want an advocate. Well be your own advocate. HowFranchesca Ramsey (00:17:02):About that? No. Yeah, no, it's totally true. And look, I, I, I did that red carpet reporter contest and I, you know, I was kind of thrown to the wolves in that nobody was helping me. Right. interview people. They gave me a list of potential celebrities and I watched as many shows that were nominated as possible. I wrote jokes. There was a person under the camera poking me in the leg being like, you gotta hurry it up, wrap it up, wrap it up. I was like, I don't know what I'm doing. Like, I just was going for it. And I really thought, and my videos were, they were funny, the clips were viral. I was doing great. And then nothing happened. Like, it was it,Michael Jamin (00:17:39):Did they ask you back the year later? Or No?Franchesca Ramsey (00:17:41):No. Nothing. No. They didn't even do the contest again. It just, it just was over. I thought people, people.com was like, we loved you. And I was like, great. Do you wanna hire me? And they were like, no, ,Michael Jamin (00:17:53):No. What makes you, why, why would you think we wanna hire you ?Franchesca Ramsey (00:17:57):I was so heartbroken. I moved, I moved to New York the next year, Uhhuh, and I did kind of like the little tour. Like I went to the people offices. I got all dressed up and I was like, remember me? I won that contest. And they were like, yes. When like, what, what do you want? I was like, I, I thought I would get a job. .Michael Jamin (00:18:14):Really? Yeah. And so then what happened? So, okay, good, good. , you got, you're here and then you fell back a couple pegs. That's fine. And then what happened?Franchesca Ramsey (00:18:21):Yeah, so I was kind of pounding the pavement in New York. I did all sorts of jobs. I stuffed envelopes for like a a temp agency. And, you know, I'd gone to school for graph graphic design and I was going to lots of events in New York. Like I went to social Media week in New York. Right. And I met a guy at Social media. He probably was trying to date me in, in hindsight, I had a boyfriend. Right. But I met this guy at Social Media Week and he worked for a creative temp agency. And he was like, oh, well I can help you find a job. And I was like, really? And he was like, yeah. So as this, at this temp agency, I was just doing design for a bunch of different places. So I did some design for the botanical gardens. I had to ride a hour plus train up to the freaking Bronx. Mm-Hmm. . And I was, you know, pushing pixels around for the for the botanical garden. I also worked for this place that did like a big book of I guess it was like a, it was like a fashion book that got put out every year. I, I don't really remember what it was, but I was, you know, just doing a lot of photo editing and stuff. And that's, and then I got the Maybelline job through a friend.Michael Jamin (00:19:32):But that wa I, I wanna, but Okay. But then all the while you're still putting out YouTube videos, right?Franchesca Ramsey (00:19:36):Yeah, I was still making YouTube videos. I was usually like waking up early and editing. I was stealing my neighbor's wifi so I would upload before I went to work because Uhhuh, that was when nobody was on the internet. Youtube was very slow back then. So Yeah. You to like, leave your computer uninterrupted to upload videosMichael Jamin (00:19:57):And, but, but pe people were slowly finding you at this point, or no?Franchesca Ramsey (00:20:01):Yeah. I mean, I was building a little bit of an audience cuz I was making those hairstyle videos. And remember I had had a website in middle school and high school. Right. So I had, I was building my audience. Like I was in this live journal community called, oh no they didn't, which was like a gossip community. Uhhuh . So I posted my videos there. I was in a dreadlock community called Get Up, dread Up, and I would post my hair videos there. And, but atMichael Jamin (00:20:28):Some point you, you decided to make a leap Cause you you had that one video that went viral.Franchesca Ramsey (00:20:32):Yeah, so actually before that, I entered another contest in 2011 called the YouTube Next Up Contest, Uhhuh . And and I won that contest. It was a contest to find like YouTube's next big stars. Right. And it was me and 25 other people. And we each won $35,000. Nice. And we spent a week at YouTube learning how to like better produce our videos and we got new cameras andMichael Jamin (00:20:57):Out here YouTube and, and my, inFranchesca Ramsey (00:20:59):New York? InMichael Jamin (00:21:00):New York. Oh, New York. Okay. Yeah. You know, my partner and I ran a show by from Renton Link.Franchesca Ramsey (00:21:04):Oh, well yeah. I love them.Michael Jamin (00:21:05):Yeah. They're, they had a show, YouTube offered them money, like a lot of money to make a sitcom and they hired us to, to be the right to run.Franchesca Ramsey (00:21:11):Oh, cool. Yeah. No, I love, I love them. I was in one of their, I was in the old collab video with them years ago. Oh wow. Yeah. So I got to meet so many YouTubers from that, and actually my current writing partner, I met her through the YouTube. Next up she was a freelance producer at YouTube and they put us in little teams and had us make YouTube videos, Uhhuh. And she and I, she and I really hit it off and we stayed friends. And the, the year after I did next up is when I had my first big viral video. And I really believe that next up taught me a lot about, you know, tentpole content. Like thinking about my content around holidays and special events and trending stories and finding ways to infuse my personal voice. And so I started kind of like changing my content right. Where I was just doing hair stuff. Right. And I was doing random comedy things, just being more focused.Michael Jamin (00:22:03):And what was your focus?Franchesca Ramsey (00:22:04):Well, my focus was more of looking at trends and finding ways to infuse myself in them uhhuh. And looking at what everybody's talking about and how can I put my own unique spin on it. Right. And so what happened was, there was a viral video called Shit Girls Say. Right. And it was a guy in a wig just doing a bunch of different things that girls say. And there were lots of parodies. There was like, shit, black girls say shit, moms say shit, dad say, and I was trying to figure out, I was like, I wanna do one, but I don't know what I wanna do. And I had gone home for the holidays and I was at a party, a Christmas party mm-hmm. and everyone was drinking and I was not, because I was the designated driver. And as my friends were getting drunker, people were starting to say some things to me that just were at the time things that a lot of my white suburban friends would say to me.(00:22:57):And I wouldn't think twice about, but because I had this video in my head, I was like, oh, maybe this is the video. People were like touching my hair and, you know, just saying things that I don't believe were coming from a bad place. Right. But I was like, something is in this. But I was like, I don't know, like, I don't know what to make this. It's like, I was like, shit black girls say, I was like, shit, white girls say, and I hate to even say it. My ex was like, maybe it should be shit white girls say to black girls. And I was like, no, that doesn't make sense. The the meme is shit. Girls say so it has to be that. And my ex was like, why, why does it have to be like that? And I was like, I dunno, I don't, I really wrestled with it. And then I thought, well, maybe that's what it'll be. So I wrote down all of the things that people had said to me. Right. I shot the video, I uploaded it before I went to work. And by lunchtime it had like a million views. And my email was just like blowing up. My phone was just like going nuts. No one at Ann Taylor knew I made YouTube videos, Uhhuh . And I was like freaking out. It was like, what? The frick is happening?Michael Jamin (00:24:02):Freaking out. Because you were worried you were just in trouble, Atara, or what? No,Franchesca Ramsey (00:24:06):No, I was just freaking out in the sense that I was feeling overwhelmed because my inbox was suddenly, you know, NPR wants to interview you and the Huffington Post wants to write something about you. Yeah. And like all of these agents and S n L reached out to me and they were like, we would love for you to audition for S N L. And I was like, what the f I was at work while this was happening. Wow. And I was like crying at my desk and, and my coworkers were like,Michael Jamin (00:24:31):What is all like tears of joy. No tears.Franchesca Ramsey (00:24:33):Yeah. Tears of joy, but also tears of like, I'm very emotional. I was very, I was just overwhelmed. Like, I don't know how to handle this. And, butMichael Jamin (00:24:43):That video is, is wonderful. Yeah. obviously I watched it, but were you, I mean you were making a statement?Franchesca Ramsey (00:24:50):Yeah. I mean, I don't think I knew I was making a statement. I thought I was just genuinely, I thought I was making a video about being from West Palm Beach, going to private school, where oftentimes I was the only black person in my class. And having my friends who were well-meaning say things to me that I knew made me feel uncomfortable, but I wasn't really sure why.Michael Jamin (00:25:14):You weren't sure why?Franchesca Ramsey (00:25:15):I wasn't sure why, but I knew I, but I knew there was something funny about it. Right. And I, and I think my surprise was realizing that I had captured a universal experience that other black people and just marginalized people in general experience where people in their lives are like, you're different from me. And they're acknowledging it in a way that is not necessarily malicious, but it does still feel uncomfortable.Michael Jamin (00:25:39):But, but some of them were kind of cringy. Some were like, Ooh, did someone, some of them really say that to you?Franchesca Ramsey (00:25:45):Like, oh my god, really? Oh my God. Yeah. Yeah. And, but that's also what was incredible to me about it is because the comments were like, this is my life. The comments were saying, I am the only black girl in my school in Idaho, and this has happened to me. And, and I'm, I'm watching these comments coming come in and realizing like, oh, I did something with this that I didn't anticipate. Yeah. I, you know, I got invited to be on Anderson Cooper. They did a whole segment about me in that video. I had never been on national television before. And, and, and I, I was like, I had no agent. I had no help. I did my own makeup, which mm-hmm. I think I did good. But like, I was like, I don't know what I'm doing. And I stillMichael Jamin (00:26:25):Have How did your friend, how did your friends react to it though when they saw it?Franchesca Ramsey (00:26:29):Oh my God, they thought it was amazing. My whole, I I mean this was, butMichael Jamin (00:26:32):But they were the ones who said these things to you.Franchesca Ramsey (00:26:34):Yeah. And they were like, this is really fun. One of the girls that like was the main culprit came with, with me to Anderson Cooper .Michael Jamin (00:26:39):But aren't they supposed to apologize for, I mean, they're not supposed to think it's funny. They're supposed to say, I'm sorry. I said those things.Franchesca Ramsey (00:26:45):, you know, I, I I think it's also just a symptom of where I was in my life because at that time now we talk about privilege and microaggressions in a way that feels, you know very forward thinking and, and progressive. And in 2012, we were not. Right. And so again, while I knew that those comments made me uncomfortable, I did not have the language to explain why. Right. And I, and I did not believe my friends were malicious, and I still don't believe that they were malicious. It's just a symptom of your privilege. And that is something that people do all of the time, right? Mm-Hmm. , like straight people do that to gay people. Right. Gay bodied people do that to disabled people. Like cis people do that to trans people. It happens across every dynamic and, and every identity. And so I don't think my friends, some of them did feel like, oh my God, this makes me like look bad. Right? But I didn't have anyone that felt like, oh, Francesca hates me. Like, everybody knew I was making comedy content. Mm-Hmm. . And a lot of my friends that were sharing it across all backgrounds were like, oh my God, this has happened to me. Or Oh my God, I need to check myself. Because Right. In the context, this doesn't seem great. Right.Michael Jamin (00:27:59):Do Now I imagine putting yourself out there, cause I know what it's like, it exposed you to backlash too. And myFranchesca Ramsey (00:28:07):God. Oh my God, yes.Michael Jamin (00:28:09): What, what and what was that like for you the first time? And what's your advice? For me itFranchesca Ramsey (00:28:13):Was r it was really hard. It was really hard. So that video got about 12 million views in the first week. Right. And, you know, again, today 12 million views maybe. Doesn't seem like a lot.Michael Jamin (00:28:24):No, it's a lot. It's aFranchesca Ramsey (00:28:25):Lot. I mean, I, I, you know, TikTok, people are blowing up all the time, but it was really big for me. Right. But again, because I was talking about race, there were a lot of people that were uncomfortable and there were people that were calling me a racist. They were saying that I hate white people and you know, this is not right. And if it was reversed and, and I, for better or for worse, am very accessible. So I was in the comments, like fighting with people. I was arguing back and forthMichael Jamin (00:28:52):And why? So that's the thing.Franchesca Ramsey (00:28:54):Yeah. And I, and I do youMichael Jamin (00:28:55):Should you do that?Franchesca Ramsey (00:28:57):No, I, I think you really have to pick your battles mm-hmm. . And I think that, I think that there are some people that are always gonna dislike you no matter what. And they always have, they already have their mind made up about you. Yeah. And so you have to decide like, what is the purpose of me engaging with this person? And for me, especially on Twitter, even if I engage with someone who I disagree with, if I think I can make a broader point about the misconception, or I can clarify something, or I can use them as an example of how to better defend yourself on certain topics, I'll do it. Versus there are a lot of people I just don't engage with at all. ButMichael Jamin (00:29:37):You, I I'm gonna guess I'm taking a wild guess though. I'm gonna guess that you've never once changed anybody's mind.Franchesca Ramsey (00:29:45):I dunno that that's, I don't, I I'm gonna push back and say I don't necessarily think that that's true because I got a lot of emails from people that said that I did change their minds. Really. But I think, but I think it's, again, it's also a matter of what your approach is. And it also has to be somebody who actually wants to have their mind changed. There's a difference between somebody that just wants to argue. Right. And someone who genuinely says, I don't understand this thing and I want to, and I think whether it's online or in real life, we have to be better at gauging the difference because it is a waste of your time to argue with the person who already has their mind made up. Mm-Hmm. versus to engage with the person who says, you've made me think about this differently. I'm not sure I agree yet, but I'm like close to figuring out if, if I could be.Michael Jamin (00:30:31):And that makes you feel good knowing that, I mean,Franchesca Ramsey (00:30:34):Yeah. I mean me, it'sMichael Jamin (00:30:35):Exhausting. That's all. Yeah.Franchesca Ramsey (00:30:37):It isMichael Jamin (00:30:37):Exhausting. It really is.Franchesca Ramsey (00:30:39):It is exhausting. But I think what that video taught me about myself, and it really kind of shaped the direction that my content went in Yeah. Is that there's a lot of, that comedy is really powerful, that we can tell stories that we can tell the stories of people that don't necessarily see themselves represented and feel like they're being heard. We can expose people to new ideas. Mm-Hmm. , we can get people to think about the world that they inhabit and how they move through the world differently. And I realized like using comedy to talk about serious stuff is something that I wasn't seeing other people do on YouTube. And so I really started like shifting my content Yes. In that direction.Michael Jamin (00:31:19):That's almo. Would you say that's kind of your brand now? I mean, what? Whatever that means.Franchesca Ramsey (00:31:23):Yeah. It was, and I'm, I don't know. It's hard. I'm trying to get out of it if I'm being honest.Michael Jamin (00:31:28):Why? Okay. Yeah. Why?Franchesca Ramsey (00:31:29):Because it is exhausting. Because, because as a black woman moving through the world, I'm constantly being asked to justify my existence and educate people mm-hmm. and talk about serious topics all the time. Right. So then to do that for my job is, is dually exhausting. And, and I, I struggle with it because I know I'm good at it. Right. And I know it's important, but it takes a lot out of me. Yeah. It ta and, and you know, like, I'm dealing with this right now with the writer strike where I'm making a lot of content about the strike because I think it's important. But I'm also being asked and pulled and every direction where people like, explain this will tell me this, well, it makes sense, da da da da da. And I'm like, this is actually my livelihood. Like this is not just a trending topic on Twitter. Like this is about how I'm gonna continue to make a life for myself, you know?Michael Jamin (00:32:21):But Okay. So you're, are you're still, are you still making original content on YouTube? No. No. Why not? I think you should Franchesca Ramsey (00:32:29):I have, I have a, cause I, I have a complicated relationship with YouTube Uhhuh. I guess the, the best way to say it is, you know, after, after, after I went viral, I got an agent. I left my day job, I started auditioning and, andMichael Jamin (00:32:45):The, and the, I say want, I wanna slow it down. The agent reached out to you?Franchesca Ramsey (00:32:49):Yes. Yes. Okay. Yes. Okay. And I will also add that prior to that, I had made DVDs of all my standup and all my sketches, and I had mailed them out to every agent in New York. And not one person got back to me.Michael Jamin (00:33:03):This is exactly what Okay. So I do a, a monthly webinar, free webinar where I talk about Hollywood and how to break in, this is exactly what I talked about yesterday. Yeah. Is that you have to make them beg Yeah. If you're begging them, it's not gonna happen. Right. It's not gonna happen. Right. They have to look at you like you are, like you have dollar signs on your face Yeah. And you're a big bag of money. And when they see money on your face, they'll come after you. Yeah. Which is what they saw with you. Okay. This isFranchesca Ramsey (00:33:27):Someone, it was like the, it was like the year prior I had sent out those DVDs and I did not get one person to get back toMichael Jamin (00:33:33):You. Same person, same talent. Yeah. You just didn't have the platform yet.Franchesca Ramsey (00:33:37):Yeah. And then suddenly everybody wanted me. So then I, you know, I got this agent and, you know, I got the opportunity. I, I met with a manager and she said like, what's your dream? And I said, I want my own TV show. AndMichael Jamin (00:33:50):She What kind of show, by the way?Franchesca Ramsey (00:33:52):Well, I didn't really know. I just knew I wanted a show. And she looked at my YouTube channel and was like, well, we should pitch like a sketch show. So I was out pitching the sketch show, nobody bought it. Mm-Hmm. . And one of the places I went to though was M T V. And M T V was like, well, we really like you. We have this show about feminism and and pop culture that's doing really well. Would you be interested in developing something similar about race? And I was like, yeah, that sounds cool. So I met with this production company called Corn Neighbor Brown. Mm-Hmm. , we started developing what then became M T v Decoded mm-hmm. . And, you know, I, Dakota has opened so many doors for me. I'm, I'm so proud of that show. But I dealt with so much harassment because of that show so much. And YouTube, for Better for worse, did not really support me. And, and I, and I, and I really struggled with that becauseMichael Jamin (00:34:45):What kind of support were you hoping to get from them?Franchesca Ramsey (00:34:48):Well, people were making death threats. Oh. People were taking my content and they were editing together videos of me to make me say that I hate all white men and I hate all white people. Oh my God. And I think people should die. And, and, and, and YouTube was like, well, you know, it's not a copyright violation. And I was like, how is this not a copyright violation? Like, soMichael Jamin (00:35:07):What do you do when that hap what do you do when that happens?Franchesca Ramsey (00:35:10):I mean, what I did was I ended up walking away. I mean, I did it for six years. And again, I am so thankful for all the doors that it opened, but I had to ask myself like, is this worth it in terms of what I want? And what I want is to be a comedy writer. I don't want to be a professional educator. I don't want,Michael Jamin (00:35:29):But I imagine you were also monetizing this from YouTube. You were making monies, right?Franchesca Ramsey (00:35:32):Well, it was MTV's content. So I was not making, I was making a flat rate on every episode. I was credited as executive producer because I had developed the show. So I was being paid as the host and executive produ producer, and I was paid anytime I wrote an episode mm-hmm. . And I wrote about, I'm gonna say I wrote about like 50% of the episodes, and then I got hired on the nightly show. Right. So I was on TV and I was doing Dakota at the same time. So we brought in writers. Right.(00:36:02):so I was making a flat rate. I wasn't making, I wasn't making a ton of money. I I I, I worked part-time jobs. I worked as a writer for Upward for three years. Mm-Hmm. , I was speaking at colleges, I was doing like little TV things here and there, but I was M T V was not paying all my bills. Right. and so when I really like took a step back and looked at where I wanted to go in my career, I was like, I just don't wanna be an internet personality for the rest of my life. Mm-Hmm. . And I don't wanna be the girl who just talks about race. And I was like, I'm glad that this is given me a platform and opened all these doors for me. But I would meet people and they would, they were surprised that I was funny. And, and I would say, well, I'm a comedian. They're like, no, you're not. I see you onde coded. And I'm like, right. Well, Dakota is like an educational show. I'm, I'm not, I'm not know. But the thingMichael Jamin (00:36:54):Is, people say to me, I'm afraid about, like, they're not even in the business yet. I'm afraid about being put into a box. Right. I'm afraid of about doing this one thing that getting stuck in the box. And my attitude is get in a box first. You know, you need to get work.Franchesca Ramsey (00:37:06):Yeah. Get in the box first. Yeah. And thenMichael Jamin (00:37:07):You worry about getting out of the box.Franchesca Ramsey (00:37:09):Yeah. Right. Yeah. And I, and I would, yes, I, I agree. Like, and if, for me, I didn't know I was getting into a box. I was following what was being successful for me and what I was enjoying and what I was good at. And I did that for six years. You know, I was on the nightly show. And, and even that, like, I started for a minute. I was like, oh, I think I wanna be a late night host. And then I was realizing like, oh, this is really hard. Like mm-hmm. talking about the news and, and, and writing about news, writing about what's happening in the world and trying to put in a funny spin is just a, it's hard. It's so hard. And again, I learned so much, but I think what I really learned was, I was like, if I have a TV show one night a week, I don't wanna do five nights a week, .Michael Jamin (00:37:51):But even on your channel, which I poked around, I was like, oh my God. Like you interviewed Michelle Obama. I was like, what? Like what? How did that come about? ?Franchesca Ramsey (00:37:58):Yeah. I mean that was, that was through YouTube. I, so, because I was so active and I had won that Emmy's contest and I won that next step contest, like I had a relationship with YouTube, like I would speak at events there. Mm-Hmm. one time they had this party where they had an airplane circling LA with like celebrities. And I hosted the plane. Like I was speaking over like the, the speaker in the plane. It was so weird. It was very fun. But like, that was because of YouTube. And so they would regularly reach out to me and say like, oh, we're doing this event which you hosted, or would you speak on this panel? Or whatever. SoMichael Jamin (00:38:36):Leaving, it must've been very hard for you because on the one hand, they were good too. You on the other hand,Franchesca Ramsey (00:38:41):Yeah. I mean, I wasn't getting paid for a lot of those things. Like I Oh really? No, no, it was justMichael Jamin (00:38:45):Exposure.Franchesca Ramsey (00:38:46):Yeah. It was just ex it was exposure. And that was also part of it. Like, that was me making a conscientious decision that I wasn't gonna do unpaid work anymore. Uhhuh. . But I started saying like, okay, cool. Like, you guys are happy to have to fly me out and have me speak on a panel, but I then have to run back to my hotel room and like write these articles because I'm, I don't have money. You know? And like, my visibility, I think a lot of times people think like, oh, I see you everywhere. So that must mean you're making a lot of money. That must mean you're, you're, you're crushing it. And that's just not always the case.Speaker 3 (00:39:23):Hey, it's Michael Jamin. If you like my videos and you want me to email them to you for free, join my watch list. Every Friday I send out my top three videos. These are for writers, actors, creative types. You can unsubscribe whenever you want. I'm not gonna spam you and it's absolutely free. Just go to michaeljamin.com/watchlist.Michael Jamin (00:39:47):But even on your videos of, on your YouTube videos, you were mon like, cause you can't monetize them. Yeah. You just didn't, you weren't getting a lot. That'sFranchesca Ramsey (00:39:53):No, I wasn't, I I was never one, I was never consistent largely because I always had a regular job. Like I, I tried being a full-time YouTuber and I just, the money is so inconsistent. It's a once a month paycheck. Yeah. And you don't know how much it is because some months you have a really good month and your views are really up. Other months your views are really down. The, I don't know what they're like now, but at the time your ads did not automatically come on your video. Sometimes the ads wouldn't show up for like a day or two. Uhhuh . So if you got all your views in those first two days and then they dropped off by the time you got ads, you didn't make any money.Michael Jamin (00:40:30):Oh, interesting.Franchesca Ramsey (00:40:31):And then there's like certain times of year that were really good, I was always trying different things. Right. Like I was making Holiday vi, I made these Christmas card videos. I made these videos that you were supposed to send to people for their birthday. I did Parodies, lady Gaga came out with a song. So I did a video for like, you know, I stayed up all night like editing this video. So Yeah,Michael Jamin (00:40:50):You did Gwen Stefani, you sounded just like her. Yeah. I was like, that was great. I wouldFranchesca Ramsey (00:40:53):Do all these impressions and I was, I was just realizing that the amount of hours I was putting in were not, it wasn't paying off for me is what I was realizing. And that was a big part of my transition into like, I want to be in tv. Right. That's always been the goal. You know, I, I went to acting school. I didn't know I was gonna become a writer and, and I was so glad that I was doing that, but I was like, this is, I don't wanna be on YouTube for the rest of my life. I don't wanna make videos in my apartment. I don't wanna make videos about my life. I want to work in tv. So really focusing on that, and again, doing Decoded was awesome, but I realized what I have to do is I gotta get a sample. Right.(00:41:36):Like I have to, I have to put together a packet. Like I have to start doing the things that are gonna move me into the next phase. Mm-Hmm. . And I think kind of to your point about being in a box, I think you have to be open to, if you're in a box or people are seeing you one way, being open to saying, what else can I do? And like, how can I show people that I'm more than this one thing? Mm-Hmm. and taking that risk and believing in yourself is really scary. But it's essential because I could have done decoded for the rest of my life and I don't want to do that ,Michael Jamin (00:42:11):You know? But then, so iCarly was prob was your first scripted? Yeah.Franchesca Ramsey (00:42:15):And then it wasMichael Jamin (00:42:16):What, so how did you get that? Cuz that's a big leap you have toFranchesca Ramsey (00:42:19):Write. Yeah. So before iCarly, what did I do before iCarly? So I did the nightly show and then I sold a pilot to Comedy Central. Mm-Hmm. . And the pilot was with the same producers that did Decoded and it was kind of like a late night sketch type show, Uhhuh . And we didn't go to series. They actually gave us a mini room and I did not know it was a mini room at the time. I was just happy that I was getting a writer's room. And so we wrote 10 episodes of the show. We didn't go to series. I wrote a book. Right. I did a book tour.Michael Jamin (00:42:54):And how, how did the, how did the book come about? Which the book is called, well that escalated quickly, , which I imagine and the memoir and memo, it's memoir Mistakes of an Accidental Activist, which is Yeah, that's a perfect idol. Cause I think that's exactly what you were, right?Franchesca Ramsey (00:43:08):Yeah. Yeah. I mean, it, it really was a collection of essays about a lot of the mistakes that I had made in communicating with other people on the internet and talking about things that were important to me and all the lessons that I had learned along the way. And after Shit White Girls say Went viral, I had a number of people reaching out to me, asking me to write a book, but I just didn't know what I wanted to write a book about. TheseMichael Jamin (00:43:32):Were agents or publishersFranchesca Ramsey (00:43:34):Literary agents saying like, you should write a book. And I just didn't know what I wanted to write a book about. I kept putting it off funny. And then after I was a nightly show was still on the air and I, I decided, I think I wanna give this a chance. And I finally had initially I wanted it to just be called Accidental Activists and that was gonna be the title. And I started putting together a book proposal and meeting with literary agents. And I met this great literary agent and she gave me like really good notes on my proposal. She really ripped it apart . Mm-Hmm. . And I was so happy because I had felt like she was the first person I talked to that wasn't like blowing smoke up my ass. She was the first person that was like, this is good, but it could be better. Right. and so she and I worked together for like two months on the proposal and then we went and did a number of meetings. I think we met with like six publishers andMichael Jamin (00:44:28):I And you didn't wanna write it first, you wanted to pitch it first as get it sold first?Franchesca Ramsey (00:44:32):Yeah. So in with non-fiction, you don't have to write it first. With fiction, usually you do have to write it first. Right. If you've written a book before the fiction proposal usually don't have to write the whole thing. But for non-fiction you usually write like two or three chapters mm-hmm. and then you do like a summary of what the book is about and a bio and who you are and, and why this book and you know, what are books that are in the same family as yours and Right. What your plan for press would be and all that stuff. And I'm, you know, I went to school for graphic design, so I made like a really beautiful book proposal with like photos and Oh wow. Artwork and I drew all these little charts and graphs and stuff cuz that's kind of like, I love infographics. And so yeah, we went to maybe six or seven publishers and I got four offers. Wow. And they went kind of head to head and my agent was pitting them against each other. Wow. yeah. And I got a six figure book deal, which was a big deal. .Michael Jamin (00:45:30):That is a big deal. Yeah.Franchesca Ramsey (00:45:32):And thenMichael Jamin (00:45:33):Did they help you, what, you know, promote it, put you on tour?Franchesca Ramsey (00:45:36):Yeah, so I mean, that's part of when you work with a publisher is they have a a publicist, like an in-house. I was at Grand Central Publishing, so they had a publicist and we did a photo shoot for the book. And I spent my own money, like I got a publicist. I also had a website built for the, for the book. And then we did an eight city book tour and I got cities added because I really wanted to do something in Florida where I'm from. And that was where I reached out to some of my contacts from the chamber and got my local Miami bookstore.Michael Jamin (00:46:09):Why these, the only eight cities, though. Like, what, when they say they're putting on tour, like, I don't know.Franchesca Ramsey (00:46:14):Well, they looked at, they looked at the analytics from like my Facebook and my Instagram and, and my YouTube to see like where my audience was at. Okay. And they used that to pick what citiesMichael Jamin (00:46:25):And then people came out. Yeah. And, and you read, you read and signed books.Franchesca Ramsey (00:46:28):Yeah. Yeah. So I kind of, I picked, I reached out to friends in different cities and I had different people as kind of like my co-host in each city. And it was awesome. But it was, it was exhausting. It was really exhausting. And I was doing that at the same time that I was doing my comedy Central pilot. And all of this is to say that like, in that moment I thought like, I'm making it. I was like, I'm making it. I'm like, I'm about to be like a star .Michael Jamin (00:46:55):That's what I would think. But you know,Franchesca Ramsey (00:46:56):It wasn then my showed didn't go. No. Cause then I showed it didn't go. ButMichael Jamin (00:46:59):That's normal. Most shows don't goFranchesca Ramsey (00:47:01):Right. But I didn't know that didn know that. I, I, I didn't know that. I, I thought I'm a failure. Especially because, like, really think about it. Yeah. Well, think about it this way. When, when you, when a pilot gets announced, right? I, this is my first time having a, having a pilot ever. Mm-Hmm. , a pilot gets announced and people that don't work in TV think that means you have a TV show. They're like, where is the show? And I'm like, oh, well I'm making the pilot now. And they're like, well, when does it come out? I'm like, I don't know. It hasn't been ordered a series. So like, people were writing articles about me, like 10 Reasons Franchesca's gonna change late night. And like, we need Franchesca's show. And like, she's amazing. And Larry Wilmore had gotten canceled. So it was like Franchesca Ramsey's gonna be the only black woman late night host. And like all of this hype was coming for me, and my book was coming out and, and, and, and my publisher was really like, this is it. We're gonna time it with the show. And then, and youMichael Jamin (00:47:54):Were believing this too.Franchesca Ramsey (00:47:56):And I was believe of course I was, of course I was believing it. I was like, oh my God, I want this so badly. Yeah. You know? And and hindsight is 2020. Like it was not the show for me. I'm glad that I didn't end up making that show because I, I really don't wanna host a late night show about identity. Right. I, I thought I did, but I don't want to anymore. And so like, when it didn't go to series, and then, well, we, we did the mini room and, and that was kind of like a consolation prize, but even then I was like, it was another year of staffing and, and, and putting the room together and trying to figure out what the show was, and then waiting around for Comedy Central. And then they said, we're not going to series. They were like, well, let's sell it somewhere else. So I was like, shooting these sketches. And we,Michael Jamin (00:48:44):That doesn't, that doesn't happen. . Right. But that so rarely happens, but, okay.Franchesca Ramsey (00:48:47):Right. Well, especially because other networks are like, well, you didn't want it. Why do we want it?Michael Jamin (00:48:51):Yeah. We don't, they don't want damaged goods. You don't,Franchesca Ramsey (00:48:53):You don't. You didn't want it. So now you think I'm gonna make the show. Like, yeah. Right. Again, and I'm just kind of like, I, I'm just like, I'm just going along. Right. Like Right. I'm going and taking these meetings and, and you know, you have meetings and they're like, we love you. You're amazing. You're great. We're passing, you know, .Michael Jamin (00:49:09):Yeah. Yes. I know. All those meetings. .Franchesca Ramsey (00:49:11):Right. And so I was just like, I was just like, oh my God, my career is over. And I got a writing job on yearly Departed, which is was a late an end of the year comedy show. Mm-Hmm. . And that was through Twitter. BES Calb, who was our showrunner, followed me on Twitter. We were friendly, and my reps were like, Hey, there's this late, this end of the year comedy special, do you wanna take a meeting? I took the meeting and Bess was just like, I love you. I think you're super funny. She had read my sample and yeah, it was kind of, it was like a series of eulogies for different things throughout the year. Uhhuh .(00:49:54):And we did it over Zoom Oh, wow. During the Pandemic. And I was still auditioning, and that's when I booked Superstore. I booked Superstore while I was doing Yearly Departed. So I went to LA to do Superstore and it just worked out that it was at the same time that yearly was gonna film. So I got to go be on set and, and Seeba happened. And and after being here for Superstore again in the middle of the pandemic, I was like, I don't really wanna go back to New York. Right. What if I just stay ?Michael Jamin (00:50:25):Well, you, but you're married, aren'tFranchesca Ramsey (00:50:26):You? I was, I got divorced. You was? Okay. I got divorced in 2019.Michael Jamin (00:50:30):Okay. So you don't have to worry about your husband coming overFranchesca Ramsey (00:50:32):Here. No, no. We got divorced before, before I got hired on that show. Yeah. I mean, right. Like the year before the pandemic. Right.Michael Jamin (00:50:42):And then how did I, Carly come about then?Franchesca Ramsey (00:50:45):My managers were just like, Hey, you know, I, I told them I wanted to staff. Right. And so, yeah, I took a meeting with Ally Shelton, who was our showrunner, and again, she read my sample. And I think what she really appreciated was that I had this background as an internet person and mm-hmm. You know, Carly is an internet person personality, and I had actual experience and dealing with trolls and dealing with going viral and Yeah, of course. Live streaming and course bands and social media course. And so Allie was a perfectMichael Jamin (00:51:18):Choice. Yeah.Franchesca Ramsey (00:51:19):Yeah. Allie was like, you really understand this world. And I I came, I went into my meeting and I had watched episodes of iCarly and I pitched some ideas as for what I felt like would be the direction that I would be interested in going in. And and prior to that, I had my friend Shameka that I mentioned that I had met through YouTube. She and I had sold a pilot to Fox. And so I learned a lot about the scripted process through that. Right. Just through development. It was with Kay Cannon and and Kay is amazing. I learned so much from her.Michael Jamin (00:51:55):But was it intimidating for you to be, cuz now you're in out of your element again, you haven't done scripted, soFranchesca Ramsey (00:52:01):It, it wasn't intimidating. I, and I, again, I really feel very fortunate because I was able to work with a friend of mine that I had known for, you know, almost 10 years. And she and I had made YouTube videos together and we had come out to LA for pilot season as actors and we got an apartment together. And through the audition process we were like, all of these scripts are bad, we could fucking do this. Right. We were like, we could write a script better than this. . Yeah. Right. And so we wrote like a treatment. We didn't even write a full script. And then we, through our agents, went and took a bunch of meetings and we met with Amy PO's company. Mm-Hmm. . We, we went to Kay Cannon, which is K and l. We went to a whole bunch of places, but Kay and Laverne, her business partner, we just, we just loved them. And they were like, we wanna develop this with you. And so they really taught us how to develop and structure a scripted pitch. ThatMichael Jamin (00:52:57):Was the Fox show.Franchesca Ramsey (00:52:58):Yeah. Yeah. Okay. I had never pitched a scripted project before. Everything was like sketched late night. Yeah. Variety. And so yeah, off of that, again, we didn't go to series, but we wrote the pilot. And so I used that as like a sample, even though I'd written it with someone else. And then I had a sample that I'd written by myself, and then I had like all my decoded videos and I had sketches from my Comedy Central pilot an

En este episodio totalmente innovador y nunca antes pensado, Coti, Chely & Peña hablan sobre las cosas que odian. También tocan distintos temas del mundo y anécdotas varias. [Perdón por los problemas de audio, nuevamente]

En este episodio Coti, Chely & Peña leerán sus peticiones de consejos y los juzgarán como siempre, todo esto desde el cariño y el amor.

En este episodio Coti, Chely & Peña hablan sobre las mentiras. Ya sean chicas o grandes, piadosas o no, todas cuentan y tienen alguna repercusión en nuestras vidas. ¿Qué mentiras dices seguido?

Hello family!Welcome back. This is day 47 of our 54-day Rosary Novena.Family, thank you so much for being part of this beautiful Family of prayer. 54 Days of Roses would not be possible without your prayers and support. Our novena is quickly coming to an end, but I would like you to mark your calendars.Season 8 will start on February 15th and end on April 9th. Season 8 will be a beautiful way to prepare our hearts for Easter Sunday 2023.Please head over to our website and subscribe to our email list. This is how you will be notified of any updates. There is still time for us to mention your first name on the podcast. Please submit your prayer request or names on our website 54daysofroses.com, or you can send an email to prayers@54daysofroses.com.Day 47 : Sorrowful Mysteries in ThanksgivingWith that, let's get started. Today, day 47,  we pray the Sorrowful Mysteries in Thanksgiving.Blessed Mother, Queen of the Most Holy Rosary, we ask that you intercede for our petitions and bring us closer to the Sacred Heart of Jesus.Blessed Mother, we pray for all teachers and mentors.We pray for those who work as translators.Blessed Mother, we pray for our family's intentions here on the podcast, for all the intentions received by email, Instagram, and YouTube.And we pray for the intentions of: Joanie, Teresa, Matt, Magaly, Neha,  Gabriela, Padre Tomas, souls of Jose Edgar, soul of Jose Raul, Adrian, Mika, Edgar G , Molly,  Ana, Grace, Adam, Oscar, Margie, Richard, Robert,  Brigitte, Paz, Denise,  Monique, Xailon, Leonard, Pathaphone Family,  Analuisa, soul of Ana Maria, soul of Maria, family Alvarez Umpire, Maricris, Paul, Lisa, Luke, Heather, Lyofill, Julia, Joseph, Krstin, Aza, Ashley, John, Zigrida, Brenda, Elijah, Jasmin, Rozel, Francesco, Liza, Marcia, Kat, Noneya, Katie, K.G., Beatriz, Maria, Maricris, Chely, Ruzegeli, and Johana.With love, Maritza Mendez.Linktr.eehttps://linktr.ee/54daysofrosesWebsite:https://www.54daysofroses.com/Live Rosary Prayerhttps://calendly.com/54daysofroses/liverosary_8?month=2022-09Book a Rosary prayer with Maritzahttps://calendly.com/54daysofroses/rosaryprayerDonate via Venmohttps://account.venmo.com/u/Novena54DaysofRosesDonate via PayPalhttps://www.paypal.com/paypalme/54DaysOfRosesSupport our Ministryhttps://www.54daysofroses.com/supportContent Creator & Web designhttps://lillywriteshere.com/Audio Engineerhttps://luisaperez238.wixsSupport the show

¡Hola familia!Bienvenidos de nuevo. Este es el día 47 de nuestra Novena del Rosario de 54 días.Familia, muchas gracias por ser parte de esta hermosa Familia de oración. 54 Days of Roses no sería posible sin sus oraciones y apoyo. Nuestra Novena está llegando a su fin rápidamente, pero me gustaría que marquen sus calendarios.La temporada 8 comenzará el 15 de febrero y terminará el 9 de abril. La temporada 8 será una hermosa manera de preparar nuestros corazones para el Domingo de Pascua de 2023.Visite nuestro sitio web y suscríbase a nuestra lista de correo electrónico. Así es como se le notificará de cualquier actualización.Todavía hay tiempo para que mencionemos tu nombre en el podcast. Envíe su solicitud de oración o nombres en nuestro sitio web 54daysofroses.com, o puede enviar un correo electrónico a oremos@54daysofroses.com.Día 47 : Misterios Dolorosos en AgradecimientoHoy, día 47, rezamos los Misterios Dolorosos en AgradecimientoMadre Santísima, Reina del Santísimo Rosario, te pedimos que intercedas por nuestras peticiones y nos acerques al Sagrado Corazón de Jesús.Oramos por todos los maestros y mentores.Oramos por los que trabajan como traductores.Rezamos por las intenciones de nuestra familia aquí en el podcast, por todas las intenciones recibidas por correo electrónico, Instagram y YouTube.Y rezamos por las intenciones de:   Joanie, Teresa, Matt, Magaly, Neha,  Gabriela, Padre Tomas, souls of Jose Edgar, soul of Jose Raul, Adrian, Mika, Edgar G , Molly,  Ana, Grace, Adam, Oscar, Margie, Richard, Robert,  Brigitte, Paz, Denise,  Monique, Xailon, Leonard, familia Pathaphone,  Analuisa, soul of Ana Maria, soul of Maria, familia Alvarez Umpire, Maricris, Paul, Lisa, Luke, Heather, Lyofill, Julia, Joseph, Krstin, Aza, Ashley, John, Zigrida, Brenda, Elijah, Jasmin, Rozel, Francesco, Liza, Marcia, Kat, Noneya, Katie, K.G., Beatriz, Maria, Maricris, Chely, Ruzegeli, and Johana.Con amor, Maritza MendezLinktr.eehttps://linktr.ee/54daysofrosesPágina webhttps://www.54daysofroses.com/Oración del Rosario, en vivo.https://calendly.com/54daysofroses/liverosary_8Oración del Rosario, con Maritzahttps://calendly.com/54daysofroses/rosaryprayerVenmohttps://account.venmo.com/u/Novena54DaysofRosesPayPalhttps://www.paypal.com/paypalme/54DaysOfRosesCreación de Contenido y Diseño Webhttps://lillywriteshere.com/Audiohttps://luisaperez238.wixsite.com/portafolioApoya el Podcasthttps://www.54daysofroses.com/supportSupport the show

Al llegar a los 20 (y algo) años, creemos que nuestra vida ya va en decadencia y gracias a estos entramos en crisis. En este episodio Coti, Chely & Peña hablan de este suceso, el cómo les afecta a ellos y como intentar sobrellevarlo.

En este episodio, Coti, Chely & Peña hablan sobre el plebiscito constitucional de Chile, sus resultados y la tristeza que estos traen. También comentan temas de actualidad y la cosas que pasaron en la semana.

...Se mueren de ganas de hablar sobre la adicción a las redes sociales. En este episodio, Coti, Chely & Peña, tres expertos en temas de redes sociales y vida en internet, entregan su punto de vista a uno de los mayores problemas que sufre la sociedad actual.

En este episodio Coti, Chely & Peña hablan sobre la envidia y los celos. Plata, estudios y amor son algunos de los temas que se tocan en este capítulo. Y a ti, ¿te da envidia o celos algo?

Episodio muy especial en el cual Coti, Chely & Peña entrevistan al actual ministro de economía, el señor Nicolás Grau. Un episodio totalmente informativo, así que presten atención y tomen nota.

En este episodio Coti, Chely & Peña hablan sobre el fracaso y como sobrellevarlo. El fracaso es algo muy común en nuestras vidas y no debemos sentirnos avergonzados por eso.

En este episodio Coti, Chely & Peña hablan sobre las opiniones impopulares de ellos y de la gente. Episodio libre de funas y totalmente family friendly.

En este episodio Coti, Chely & Peña hablan sobre como superar una ruptura, ya sea de pareja o amistad. También con una pequeña intro que no se quieren perder. Disfruten. PD: Episodio con problemillas de audio, mil disculpas.

En este episodio Coti, Chely & Peña hablan sobre las cosas que alguna vez les han dado cringe y que comportamientos les dan vergüenza ajena. También leen las anécdotas cringe de los seguidores y los juzgan, como siempre...

On this episode of Groundbreakers, we connect with Rob Newson, Vice President of Strategy and Vision for the Philadelphia 76ers and 30-year Navy SEAL Veteran - as well as Chely's hometown buddy.No matter the line of work or industry, Rob's career has been focused on helping others and driving diversity and inclusion. With a passion for inspiring collaboration and action, Rob aims to shape conversations of meaning, ensuring every voice is heard.Rob is not one to take the path of least resistance. He fights for what he believes in - in whatever capacity that might mean.

El comeback menos esperado del 2022 ya está aquí. En este episodio Coti, Chely & Peña cuentan el porqué de su hiatus y que han hecho en estos últimos 6 meses. ¿Nos extrañaste?

#Hatillo #elecciones #PPD Entrevistamos a Nur Vales Torres, empleada municipal de Hatillo que se disputará el próximo domingo primero de mayo con el vice alcalde de ese ayuntamiento, Carlos Roman, la elección especial del Partido Popular para sustituir al renunciante, José "Chely' Rodríguez. La salida de Rodríguez, por razones de salud, colocó a esta contable de profesión y especialista en fondos federales, en posición de querer correr para la Alcaldía de uno de los municipios con menos problemas económicos del país. ¡Sintoniza y comparte! #periodismodigital is#periodismoinvestigativo

Hi ya'll, I'm Chely - host of Groundbreakers and Chief Diversity Officer at Unispace. I'm on a mission to pass the mic and get voices heard - from all industries and walks of life. I want to hear your stories, highlight your moments of transformation, and learn from one another the power and importance of Diversity, Equity, Inclusion, and Belonging (DEIB) in our workspaces - whatever and wherever those might be.

En este nuevo episodio la Coti, Chely & Peña conversan sobre Tumblr, qué buenos recuerdos siono, ¿acaso todes pasamos por la época de Tumblr?

En el séptimo episodio de este podcast converso con Chely Lima (La Habana, 1957), poeta, narrador, dramaturgo, guionista de cine y TV. Aunque a Lima se le conoce mayormente por sus aportes a la ciencia ficción cubana (Espacio abierto, 1983; Violente, 1987; Shiralad o el regreso de los dioses, 1990), es también una voz poética singular de la poesía cubana. Su más reciente libro es la antología bilingüe lo que les dijo el licantropo / what the werewolf told them (Nueva York: The Operating System, 2017) con traducciones de Margaret Randall. En esta entrevista conversamos acerca de cómo su búsqueda interna por la autodefinición le lleva a escribir y fotografiar, cuáles son las obras poéticas que más lo han impresionado, de cómo su relación de veintidós años con Alberto Serret (1947-2000) influyó e influye en su obra. Para Chely, la poesía solo surge a partir de estados alterados de la consciencia, pero luego puede ser pulida y ese trabajo debe ser metódico, cuidadoso. Al mismo tiempo, Chely es un promotor absoluto de vivir intensamente, solo con experiencias vitales se puede tener algo que decir, argumenta. Hay tiempo en la conversación para leer tres poemas, tres poemas de amores que no temen decir sus nombres y para que cuente qué prepara ahora este animal nocturno, perfeccionista y discreto. Disfruten. Chely Lima (@LimaChely) es un escritor, dramaturgo, periodista, fotógrafo, guionista y libretista de radio y TV queer cubano-americano, que ha publicado numerosos libros en diferentes países, en los géneros de poesía, novela, cuento, teatro y literatura para niños. En 1992 dejó Cuba para radicarse en Quito (Ecuador), donde trabajó principalmente como guionista, editor y articulista e impartió incontables talleres de literatura. Con posterioridad se trasladaría a Buenos Aires (Argentina), en donde estuvo alrededor de cuatro años, escribiendo guiones para la TV y dando clases de guión. A finales de 1996 se mudó a California (allí empezó su labor fotográfica) y dos años más tarde se movió a Miami, en donde se desempeñó como crítico de teatro en el Nuevo Herald e impartió talleres en el Miami-Dade College. En la actualidad continúa viviendo entre California y Florida y dedica todo su tiempo a varios proyectos literarios. Otros de sus libros son: Abuela Trina y Marrasquina van a la ciudad (cuento para niños y jóvenes, Bogotá: Editorial Panamericana,  2006); Discurso de la amante (poesía, Imagine Clouds Editions, 2013), Memorias del Tiempo Circular (cuatro novelas breves, Miami: Eriginal Books, 2014) y Triángulos mágicos (novela, Miami: Eriginal Books, 2014 y Ediciones Capiro, 2016). Presenta Yasmín Portales-Machado, escritora de ciencia ficción, activista LGBTQ, curiosa sobre las relaciones entre consumo cultural y política en Cuba.

En el séptimo episodio de este podcast converso con Chely Lima (La Habana, 1957), poeta, narrador, dramaturgo, guionista de cine y TV. Aunque a Lima se le conoce mayormente por sus aportes a la ciencia ficción cubana (Espacio abierto, 1983; Violente, 1987; Shiralad o el regreso de los dioses, 1990), es también una voz poética singular de la poesía cubana. Su más reciente libro es la antología bilingüe lo que les dijo el licantropo / what the werewolf told them (The Operating System, 2017) con traducciones de Margaret Randall. En esta entrevista conversamos acerca de cómo su búsqueda interna por la autodefinición le lleva a escribir y fotografiar, cuáles son las obras poéticas que más lo han impresionado, de cómo su relación de veintidós años con Alberto Serret (1947-2000) influyó e influye en su obra. Para Chely, la poesía solo surge a partir de estados alterados de la consciencia, pero luego puede ser pulida, y ese trabajo debe ser metódico, cuidadoso. Al mismo tiempo, Chely es un promotor absoluto de vivir intensamente, solo con experiencias vitales se puede tener algo que decir, argumenta. Hay tiempo en la conversación para leer tres poemas, tres poemas de amores que no temen decir sus nombres, y para que cuente qué prepara ahora este animal nocturno, perfeccionista y discreto. Disfruten. Chely Lima (https://twitter.com/LimaChely) es un escritor, dramaturgo, periodista, fotógrafo, guionista y libretista de radio y TV queer cubano-americano, que ha publicado numerosos libros en diferentes países, en los géneros de poesía, novela, cuento, teatro y literatura para niños. En 1992 dejó Cuba para radicarse en Quito (Ecuador), donde trabajó principalmente como guionista, editor y articulista, e impartió incontables talleres de literatura. Con posterioridad se trasladaría a Buenos Aires (Argentina), en donde estuvo alrededor de cuatro años, escribiendo guiones para la TV y dando clases de guión. A finales de 1996 se mudó a California (allí empezó su labor fotográfica), y dos años más tarde se movió a Miami, en donde se desempeñó como crítico de teatro en el Nuevo Herald e impartió talleres en el Miami-Dade College. En la actualidad continúa viviendo entre California y Florida, y dedica todo su tiempo a varios proyectos literarios. Otros de sus libros son: Abuela Trina y Marrasquina van a la ciudad (cuento para niños y jóvenes, Editorial Panamericana, Bogotá, 2006); Discurso de la amante (poesía, Imagine Clouds Editions, 2013), Memorias del Tiempo Circular (cuatro novelas breves, Eriginal Books, 2014) y Triángulos mágicos (novela, Eriginal Books, 2014 y Ediciones Capiro, 2016). Presenta Yasmín Portales-Machado, escritora de ciencia ficción, activista LGBTQ, curiosa sobre las relaciones entre consumo cultural y política en Cuba.

Un nuevo capítulo junto a Coti, Chely y Peña, donde conversan acerca de supersticiones, la suerte y más

En este capítulo Coti, Chely & Peña conversan sobre el ''Cringe'' ¿qué les da Cringe? ¿se han dado cringe ustedes mismos? ¿qué les provoca cringe a los seguidores? respuestas a estas preguntas en el capítulo, no olviden seguirnos en @chimbamigospodcast

En este capítulo Coti, Chely & Peña conversan sobre la industria musical, algunas noticias, opiniones, y más jiji

En este capítulo Coti, Chely & Peña conversan sobre ese lugar tan intimo y donde hemos vivido tantas cosas jj, el baño. Comentan historias y anécdotas de lo qué han vivido en UN BAÑO. Les tkm.

En este capítulo la Coty, Chely & Peña, conversan sobre la niñez, cosas que pasaron cuando chiquitos, mentiras, travesuras entre otras jjj

La Coti da el pase, Peña lo recibe y ahí va Chely, LE PEGÓ, LE PEGÓOOOO, porque no todo en la vida son noticias serias ni faranduleras, en este capítulo los Chimbamigos conversan sobre deporte, los Juegos Olímpicos y más

En este capítulo Chely, Coti y Peña conversan sobre lo último que ha acontecido y tienen una invitada muy bkn, la prima lunas, les tkm

Pernos, ¿qué es ser pernos? Desde la definición a anécdotas, en este capítulo Coti, Chely y Peña, conversan sobre ser pernos, pavos, mateos, nerds, ñoños y más. Además comentan lo último que ha acontecido en nuestras noticias jeje entre ello, sus opciones presidenciales.

En este capítulo Coti, Chely & Peña conversan las últimas noticias y lo que ha pasado en estos días jiji, PERO como tema principal hablan sobre la salud mental, terapia y más

En este capítulo la Coti, Peña y Chely llegan con nuevos temas y nuevas copuchas. Porfi vayan a vacunarse

En este capítulo la Coti, Peña y Chely, conversan sobre las aplicaciones para encontrar el amor, nos cuentan sus experiencias y opiniones, quién no ha tenido Tinder alguna vez? jeje

En este capítulo Chely, Peña y Coti comentan lo último que ha sucedido en las Redes Sociales jiji, además como tema principal conversan sobre el cuerpo jeje, no lo escuchen comiendo xfi

In this episode we hear from Chely Lopez Zavala, one of the coordinators for “Universidad para Padres” (Parent University). She tells her story about how she learned how to take care of her self so she can in turn take care of others. To learn more about Chely's work with “Universidad para Padres” (Parent University), visit https://p20network.niu.edu/parent-university/

Araceli aka Chely worked in the Mental Health field as a bilingual Community Wellness Specialist for 4+ years specializing in behavioral therapy. This gave her the opportunity to work one-on-one with Latino families, teens, children, caregivers, foster parents, foster agencies and school/mental health professionals. Her goal: Teach them the skills and tools that could help improve the family's mental health by taking a team approach. The exposure she got in the mental health field sparked her passion for wanting to build awareness and help communities with limited resources. By creatively sharing her mental health journey as a bilingual specialist it also added a positive impact toward the family's goals and her professional/personal skills. This process eventually helped finalize her ultimate goal, to become a creative advocate throughout all of her social media platforms. With these platforms she can continue her attempts in breaking stigmas, teaching new tools, and bringing awareness toward the importance of mental health. Social Accounts: Instagram/FB: chelysmentalwealth YouTube: Araceli aka Chely TikTok: araceliakachely Twitter: araceliakachely --- Send in a voice message: https://podcasters.spotify.com/pod/show/opendiscussions805/message

Coti, Chely & Peña conversan sobre las últimas noticias de la semana en un especial de Semana Santa, donde averiguaron los misterios de la Biblia y más.

Coti, Chely & Peña comentan lo último que ha pasado con Vicho Gonza, cahuines de la farándula Tiktoker, el famoso pastor y más, PERO lo mejor de este capítulo es: LOS SIMPSONS, ¿qué son? ¿por qué nos gustan tanto? ¿mejores capítulos? eso y más en este episodio.

Coti, Chely y Peña conversan sobre la pandemia, cahuines y más jeje. No olviden seguir el Instagram @chimbamigospodcast

Coti, Chely y Peña

Coti, Chely y Peña conversan sobre los realitys, esos que no podemos olvidar y Hotel Beach, el reality más reciente que ha causado muchas polémicas. No olviden seguir el Instagram @chimbamigospodcast

Un nuevo episodio de Chimbamigos, junto a Coti, Chely y Peña, en este capítulo conversan sobre fotolog y todo eso que vivimos hace unos años uff