Podcasts about Chile

Country in South America

  • 16,585PODCASTS
  • 72,141EPISODES
  • 45mAVG DURATION
  • 10+DAILY NEW EPISODES
  • Aug 28, 2025LATEST
Chile

POPULARITY

20172018201920202021202220232024

Categories




    Best podcasts about Chile

    Show all podcasts related to chile

    Latest podcast episodes about Chile

    Everyone's Business But Mine with Kara Berry
    Chile Anyway...: A Pop Culture Roundup

    Everyone's Business But Mine with Kara Berry

    Play Episode Listen Later Aug 28, 2025 44:05


    This week in pop culture, the chicken is being served by your gym teacher and your English teacher, Cardi B's trial is hilarious, and Love Island USA updates including Ace's only interview out of the villa being a mess and more!Follow me on social media, find links to merch, Patreon and more here! Hosted on Acast. See acast.com/privacy for more information.

    The Rod Ryan Show
    The Read My Lips Game

    The Rod Ryan Show

    Play Episode Listen Later Aug 28, 2025 9:17 Transcription Available


    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 28, 2025 112:21 Transcription Available


    Rod, Mo, Alex, and Chile talk about what went down at the Shinedown concert last night, the most useless jobs that people get paid for, and play another round of The Read My Lips Game. 

    Snapshots
    The Martian Craze: How Percival Lowell Created Canals on Mars | #131

    Snapshots

    Play Episode Listen Later Aug 28, 2025 47:34


    Were the Martian canals real? For decades, some of the world's most respected astronomers and newspapers answered with a resounding YES. But how did a simple misunderstanding spiral into a global belief in an advanced, dying civilization on the Red Planet? This episode unwraps the incredible story of the turn-of-the-century Martian craze, a period when fact and fiction blurred, and humanity collectively looked to the stars, convinced someone was looking back. We explore how this mania began, who its biggest champions were, and how the idea of intelligent Martians shaped science and culture forever.This deep dive into the history of our obsession with Mars is guided by acclaimed author David Baron, whose book "The Martians: The True Story of an Alien Craze That Captured Turn-of-the-Century America" chronicles this fascinating era. We begin with the story's surprising European origins, specifically with Italian astronomer Giovanni Schiaparelli and his 1877 observations of "canali" on the Martian surface. A critical mistranslation of Giovanni Schiaparelli canali (Italian for "channels") into "canals" in English ignited the public imagination with the possibility of artificial structures. This idea was popularized by French astronomer and author Camille Flammarion, but it was an American who would become the theory's most fervent and influential advocate: Percival Lowell.Born into a wealthy Boston family, Percival Lowell dedicated his fortune and his life to proving the existence of an intelligent Martian race. We detail the astonishingly complex Percival Lowell Mars theory, which proposed that Mars was an old, drying planet and its inhabitants had built a planet-wide irrigation system—the Martian canals—to channel water from the polar ice caps to their desert cities. To prove it, Lowell founded the iconic Lowell Observatory in Arizona and even funded a massive expedition to Chile to capture the first-ever photographs of the canals, which he presented as undeniable proof. This led to a major rift in the scientific community, dividing astronomers into "canalists" and "anti-canalists."The belief in Martians wasn't just confined to scientific circles; it exploded into a full-blown cultural phenomenon. We discuss the immense impact of H.G. Wells War of the Worlds, a "scientific romance" that terrified and thrilled readers. Baron reveals how American newspapers, in a bout of Yellow Press sensationalism, pirated and serialized the story, localizing the invasion to New York and Boston and presenting it almost as a news report—a tactic Orson Welles would later famously use for his 1938 radio broadcast. The fervor grew so intense that in 1924, the U.S. military was convinced to enforce national radio silence to listen for signals from the Red Planet. So, what was the final nail in the coffin for the Martian canals? Baron explains how astronomer Eugène Michel Antoniadi's crystal-clear observations in 1909 and, ultimately, NASA's Mariner 4 spacecraft flyby in the 1960s, finally disproved the theory, revealing a cratered, lifeless landscape where canals were once drawn. This entire episode serves as a powerful look into the turn-of-the-century Martian craze and how it left an indelible mark on science fiction, inspiring figures like Robert H. Goddard and Carl Sagan and shaping our dreams of outer space to this day.About Our Guest:David Baron is an author and science journalist who specializes in telling gripping historical tales about the history of astronomy. He is the author of the new book, "The Martians: The True Story of an Alien Craze That Captured Turn-of-the-Century America," as well as the award-winning "American Eclipse," which is being adapted into a Broadway musical.Timestamps:(00:00) Introduction: The Martian Saga(03:01) The 1906 New York Times Headline: "There is Life on Mars"(04:47) European Origins: Schiaparelli, Flammarion, and the "Canali" Mistranslation(09:09) Percival Lowell: The American Champion of the Martian Cause(14:52) The Great Debate: Canalists vs. Anti-Canalists(19:26) The Hunt for Proof: Lowell's Astrophotography and The Chilean Expedition(23:26) Percival Lowell's Grand Theory of Martian Civilization(26:54) H.G. Wells and The War of the Worlds Sensation(33:32) Listening for Martians: The US Military's 1924 Radio Silence(35:11) How The Martian Canals Were Finally Disproven(41:01) The Enduring Legacy of the Martian Craze on Science FictionLearn More From Our Guest / Episode Resources:Get David Baron's Book, "The Martians"

    The CPG View
    Retail Reimagined: How Walmart Connect is Powering Brands Through AI and Leadership (Lucas Barros, Head at Walmart Connect)

    The CPG View

    Play Episode Listen Later Aug 28, 2025 24:33


    What excites you most about leading Walmart Connect in Chile, and what unique opportunities do you see in the region's market?How do you approach leveraging data-driven insights to create more authentic connections between brands and consumers?What trends in omnichannel marketing are shaping your strategy at Walmart Connect, and how do you see them evolving in Latin America?What leadership principles guide you in balancing strategic vision with execution, especially when entering new markets or revitalizing existing ones?What's a project or achievement you're particularly proud of at Walmart Connect, and how has it impacted the business or consumers? 

    The Jody Maberry Show
    Combining Your Passions

    The Jody Maberry Show

    Play Episode Listen Later Aug 27, 2025 18:19 Transcription Available


    “Theme parks and national parks may seem different, but they are both in the people business. Each offers a chance to step away from stress and into something extraordinary.” Notable Moments 1:03 – Why Glacier and Yellowstone hold such unique places in my heart 2:22 – How a behind-the-scenes safari ride shifted my perspective 4:17 – The slow realization of connecting ranger life with Disney lessons 7:18 – The surprising way I first connected with Lee Cockerell 9:58 – A recent trip to Chile that opened up new horizons for exploration 13:17 – How early mistakes in parks helped shape better practices worldwide 15:35 – The joy of lecturing on Alaska cruises and engaging with travelers Jody Maberry reflects on the surprising ways his passions for national parks and theme parks connect. From Glacier to Disney, and even adventures in South America, he shares stories that highlight the overlap between nature, storytelling, and service. Read the blog for more from this episode. Connect with Jody www.jodymaberry.com About Jody - https://jodymaberry.com/about-jody-maberry/ Instagram - https://www.instagram.com/sugarjmaberry LinkedIn - https://www.linkedin.com/in/jodymaberry/

    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 27, 2025 115:30 Transcription Available


    Rod, Mo, Alex, and Chile talk about people not drinking as much alcohol, guilt tipping, and play Day 26 of The Suburb Summer Sizzler.

    New Books Network
    Victoria Basualdo et al., "Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression" (Palgrave Macmillan, 2020)

    New Books Network

    Play Episode Listen Later Aug 27, 2025 50:40


    On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

    New Books in Latin American Studies
    Victoria Basualdo et al., "Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression" (Palgrave Macmillan, 2020)

    New Books in Latin American Studies

    Play Episode Listen Later Aug 27, 2025 50:40


    On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/latin-american-studies

    SBS Spanish - SBS en español
    Hablemos de fútbol | 27 agosto 2025

    SBS Spanish - SBS en español

    Play Episode Listen Later Aug 27, 2025 12:21


    Continúa la presión para que se realice una profunda investigación luego de feroz pelea entre hinchas de Independiente y la Universidad de Chile en el estadio Libertadores de América en partido de Copa Sudamericana. Escucha esta y otras noticias del fútbol mundial.

    THE NEW HEALTH CLUB
    Dr. Christopher Timmermann - Stripped-Down Consciousness : Exploring 5-MEO -DMT

    THE NEW HEALTH CLUB

    Play Episode Listen Later Aug 27, 2025 47:43


    Dr. Christopher Timmermann is neuroscientist and co-director of the UCL Centre for Consciousness Research in London. He obtained a BSc in Psychology in Santiago, Chile and an MSc in Cognitive Neuroscience at the University of Bologna in Italy. He was also leading one of the first DMT research groups at Imperial College London.His empirical and theoretical work focuses on the neuroscience, psychiatry, psychology, and beliefs of psychedelics, their relationship to consciousness and applications in mental health. The work he has led has been published in high-regarded journals, and has been widely covered by mass media outlets. He also founded and is the director of an educational non-profit in Chile, the ECOH Foundation.He is the expert on 5MeO DMT right, which has been dubbed the “Mount Everest of psychedelics,” and fittingly, Timmermann writes, “its experiences are often referred to as “whiteouts.” But beyond its ability to eliminate the sense of space and time, its most interesting effect lies in the way it dissolves the self. This is key. The question of whether the self is necessary for consciousness to occur has been debated by philosophers for thousands of years — and it remains unsettled. But with 5MeO, something completely different happens: It radically deconstructs all possible worlds, sparing only awareness.IG: christophertimmermannOUR INFO: IG: @the.newhealthclub @thenewhealthinstitute Website: https://www.thenewhealthinstitute.org/ Hosted on Acast. See acast.com/privacy for more information.

    New Books in Political Science
    Victoria Basualdo et al., "Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression" (Palgrave Macmillan, 2020)

    New Books in Political Science

    Play Episode Listen Later Aug 27, 2025 50:40


    On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

    New Books in World Affairs
    Victoria Basualdo et al., "Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression" (Palgrave Macmillan, 2020)

    New Books in World Affairs

    Play Episode Listen Later Aug 27, 2025 50:40


    On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs

    The WorldView in 5 Minutes
    Kenyan pro-lifers object to Bill Gates' abortion kill pills, 5% of Canadian deaths due to euthanasia, Most evil nations vs. best behaved nations

    The WorldView in 5 Minutes

    Play Episode Listen Later Aug 26, 2025


    It's Tuesday, August 26th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Women in India raped, murdered, and secretly buried A temple maintenance man in India is under arrest, after he testified of hundreds of women who were allegedly raped, murdered, and secretly buried around the small religious town of Dharmasthala. The BBC reports that nearly 100 bone fragments of human remains have already been found at two spots the man identified. The employee says he worked for the temple administration between 1995 and 2014, when he was allegedly coerced into burying the bodies. In 2025, 950 attacks on Christians in India For the first five months of 2025, Open Doors reports 950 attacks on Christians in India, which accounts for a rate of 2,300 per year. According to this reliable source, “These incidents included attacks, threats to abandon the Christian faith, excommunication, social boycotts, halting prayer services and church closures. Throughout India, 200 cases have been filed against pastors and believers based on fabricated conversion allegations.” India rated as the worst in The Worldview's international morality index  -- or the Evil Index -- released last month. India rated high in persecuting Christians, corruption perceptions, as well as supporting abortion and homosexuality. Most evil nations vs. Best behaved nations The highest rated nations for immorality were India, North Korea, Mexico, Columbia, Vietnam, Pakistan, Nepal, Myanmar, Somalia, Nicaragua, China, and Nigeria. Best nations on the list were Armenia, Eastern European nations, Israel, Japan, and Singapore. Among European nations, Russia, Greenland, and Belgium were rated poorly. Switzerland and Ireland rated best on this International Morality Index.  The nation of Chile lost the most ground over the last eight years. The country was rated at the top of the morality index eight years ago, and has dropped to the 66th position, due largely to approving abortion in 2017, and adopting homosexual faux-marriage in 2022.   The International Morality Index considers nations on the basis of the sixth, seventh, and eighth commandments of God's law as well as the persecution of Christians.  John 1:29 says, “But let us remember, this is why Jesus came. . . John saw Jesus coming toward him, and said, ‘Behold! The Lamb of God who takes away the sin of the world!'” Kenyan pro-lifers object to Bill Gates' abortion kill pills Kenyan pro-lifers have issued a petition addressed to Kenya's Ministry of Health, complaining of IPAS Africa Alliance's distribution of abortion kill pills throughout the country.   The petition accuses IPAS of breaking Kenya's laws, and flooding schools and pharmacies with the kill pill.   The Citizen Go petition notes that “Kenya's laws protect unborn life, but IPAS is exploiting loopholes. They hand out abortion pills without scans, prescriptions, or medical supervision.” IPAS Africa Alliance is reportedly funded by the Bill and Melinda Gates Foundation. Mexican drug cartel leader pled guilty “Be sure your sins will find you out.” That's what Number 32:23 warns. The founder of the largest drug cartel in the world, Mexican cartel kingpin Isamel “El Mayo” Zambada, pled guilty to federal charges yesterday, reports the Associated Press. He is charged with organizing a drug smuggling operation into the US, called the Sinaloa cartel.   His partner Joaquin “El Chapo” Guzman was found guilty of similar charges in 2019. The Mexican Sinoloa cartel is known for assassinations, tortures, and kidnappings — terrorizing parts of the southern border areas of Mexico and Texas. Today, first time home purchase costs double rent For the first time in almost 20 years, the price of buying an entry-level home is double the expense of renting. Austin, Denver, Las Vegas, and Phoenix are some of the worst places for unaffordable properties for first-time buyers. 5% of Canadian deaths due to euthanasia Canada's Doctor Assisted Deaths now account for 5% of total deaths for the nation — more than the deaths attributed to diabetes and Alzheimer's combined.   Persons suffering solely from some sort of mental illness will be able to gain state medical help to kill themselves on March 17, 2027. In related news, the United Kingdom Bill on euthanasia has passed the House of Commons, and now has been presented to the House of Lords. United Kingdom legislature to dismiss jail time for violent offenders And finally, the United Kingdom government has come up with a plan to reduce prison overcrowding by dismissing jail time altogether for thousands of sex offenders, drug dealers, and violent criminals. The Sentencing Bill will be considered next month by parliament, reports The Times.  Exodus 22:1  provides God's wisdom in such matters. “If a man steals an ox or a sheep, and slaughters it or sells it, he shall restore five oxen for an ox and four sheep for a sheep.” Close And that's The Worldview on this Tuesday, August 26th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 26, 2025 117:14 Transcription Available


    Rod, Mo, Alex, and Chile celebrate Rod's Birthday, talk about people throwing things on stage at concerts, and play Day 25 of The Suburb Summer Sizzler.

    SBS Spanish - SBS en español
    Programa | SBS Spanish | 26 agosto 2025

    SBS Spanish - SBS en español

    Play Episode Listen Later Aug 26, 2025 51:07


    Hablamos sobre seguridad y riesgos en el sector minero tras el accidente ocurrido en Chile, en la mina subterránea de cobre más grande del mundo. En Venezuela, simpatizantes del Gobierno se alistan en la Milicia Nacional Bolivariana; te tenemos los detalles. Y te compartimos un episodio más de la serie ‘Un Futuro Artificial' que analiza el rol de la IA en política, participación ciudadana y las elecciones.

    Get Rich Education
    568: The Mortgage Moves That Can Make (or Break) Your Wealth

    Get Rich Education

    Play Episode Listen Later Aug 25, 2025 42:56


    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.

    Hoop Heads
    Ras Vanderloo - USA Basketball Coaching Staff Member & Former Sioux City (IA) East High School Boys' Basketball Head Coach - Episode 1141

    Hoop Heads

    Play Episode Listen Later Aug 25, 2025 83:19 Transcription Available


    Ras Vanderloo recently retired after his 14th season as the Head Boys Basketball Coach at Sioux City East High School in Sioux City, IA. He spent 32 years coaching basketball, 14 as a Head Coach and 18 as an Assistant Coach. Ras is a 5-time district coach of the year and the 2017 State 4A Coach of the Year. He won 314 games as a head coach at East High with 4 State Tournament appearances and a State Runner Up in 2012.In addition to his run as the Head Coach at East, Ras also runs a large youth league basketball program with over 650 kids annually participating. The league is currently 33 years old and was started by his father.Ras comes from a large coaching family, his father Rich and brother Jeff (now a Creighton Assistant) are both former Head Coaches at East High in Sioux City. His brothers John and Jim are coaches as wellRas has worked with USA Basketball in varying capacities, most recently as an assistant coach for the Men's 3 x 3 Nation's League that competed this summer in Chile. On this episode Mike & Ras discuss his retirement from teaching and coaching along with the new opportunities in front of him, including his involvement with USA Basketball. Vanderloo reflects on the significance of learning from experienced mentors and emphasizes the value of dedication and hard work in achieving success in coaching. He shares insights about the differences between coaching in traditional formats versus the increasingly popular 3x3 basketball format, highlighting the unique challenges and strategies involved in this fast-paced version of the game. Additionally, Vanderloo provides practical advice for young coaches, advocating for the importance of seeking out successful programs and experienced coaches to learn from. As he navigates his post-retirement journey, he remains committed to contributing to the basketball community and mentoring future generations of coaches.Follow us on Twitter and Instagram @hoopheadspod for the latest updates on episodes, guests, and events from the Hoop Heads Pod.Make sure you're subscribed to the Hoop Heads Pod on your favorite podcast app and while you're there please leave us a 5 star rating and review. Your ratings help your friends and coaching colleagues find the show. If you really love what you're hearing recommend the Hoop Heads Pod to someone and get them to join you as a part of Hoop Heads Nation.Get ready to take some notes as you listen to this episode with Ras Vanderloo from Sioux City East High School in the state of Iowa.Website – https://www.usab.com/staff-members/ras-vanderlooEmail – rvanderloo6562@gmail.comTwitter - @CoachRasVisit our Sponsors!Dr. Dish BasketballOur friends at Dr. Dish Basketball are here to help you transform your team's training this off-season with exclusive offers of up to $4,000 OFF their Rebel+, All-Star+, and CT+ shooting machines. Unsure about budget? Dr. Dish offers schools-only Buy Now, Pay Later payment plans to make getting new equipment easier than ever.The Coaching PortfolioYour first impression is everything...

    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 25, 2025 110:46 Transcription Available


    Rod, Mo, Alex, and Chile talk about chicken crust pizza, what went down over the weekend, and play Day 24 of The Suburb Summer Sizzler. 

    Compassion & Courage: Conversations in Healthcare
    Finding Joy in Long-Term Care – Erin Hart and Peter Murphy Lewis

    Compassion & Courage: Conversations in Healthcare

    Play Episode Listen Later Aug 25, 2025 31:15


    In this episode of Compassion & Courage, Marcus Engel engages with guests Erin Hart and Peter Murphy Lewis to discuss the vital role of caregivers in long-term care settings and some of the creative work in healthcare. They explore the often-overlooked stories of compassion, joy, and community within these facilities, highlighting the importance of caregiver relationships with residents. Listeners are encouraged to explore resources for entering the long-term care field and to appreciate the meaningful work being done by caregivers across the country to support our elders. Resources for you: More communication tips and resources for how to cultivate compassion: https://marcusengel.com/freeresources/Connect with Marcus on LinkedIn: https://www.linkedin.com/in/marcusengel/Connect with Erin on LinkedIn: https://www.linkedin.com/in/erin-hart-7a2a4959/Connect with Peter on LinkedIn: https://www.linkedin.com/in/petermurphylewis/Learn more about Ohio Health Care Association: https://www.ohca.org/people_worth_caring_aboutLearn more about People Worth Caring About: https://peopleworthcaringabout.com/Watch People Worth Caring About: https://www.youtube.com/channel/UCnSunMzy_Hvt4zWtFMvuKUgLearn more about Peter's work: https://strategicpete.com/Learn more about Marcus' Books: https://marcusengel.com/store/Subscribe to our podcast through Apple: https://bit.ly/MarcusEngelPodcastSubscribe to our podcast through YouTube: https://bit.ly/Youtube-MarcusEngelPodcast About Peter Murphy Lewis:Peter Murphy Lewis is a seasoned Chief Marketing Officer and documentary filmmaker whose work bridges the analytical and the emotional with uncommon authenticity. As a fractional CMO, Peter helps CEOs transform overwhelming data into clear, revenue-generating strategies. He's also the creator and host of multiple TV shows and a documentary series called "People Worth Caring About", driven by his deep commitment to human connection and storytelling. With over 15 years in Chile and now based in the U.S., Peter's journey spans continents, careers, and causes. Date: 8/25/2025 Name of show: Compassion & Courage: Conversations in Healthcare Episode number and title: Episode 172 – Finding Joy in Long-Term Care – Erin Hart and Peter Murphy Lewiskeywordshealthcare, long-term care, caregivers, compassion, recruitment, workforce development, storytelling, nursing, elder care, community

    Wine News TV - On The Go
    Viña Aresti

    Wine News TV - On The Go

    Play Episode Listen Later Aug 24, 2025 22:48


    Junto a Sergio Donoso de Viña Aresti desde el Hotel Bidasoa en Santiago de Chile charlamos sobre unos muy ricos vinos que llegan a Puerto Rico con B. Fernández y Hermanos. Estos vinos representan para el consumidor una muy buena compra ya que brindan extraordinaria calidad a un precio razonable. Gracias por escuchar, comentar, compartir y suscribirte al podcast.#vino #Chile #vinochileno #puertorico #aprendedevino #cabernetsauvignon #sauvignonblanc

    From Our Own Correspondent Podcast
    Putin, Trump and the art of no deal (yet)

    From Our Own Correspondent Podcast

    Play Episode Listen Later Aug 23, 2025 28:44


    Kate Adie presents stories from Alaska, Washington, South Korea, Chile and France.From the military fly-past to the grandiose entrance on the red carpet, to the press conference, without any questions, the meeting between Donald Trump and Vladimir Putin drew dismay from Western governments. Steve Rosenberg was in Alaska - and reflects on the aftermath.After the pomp and pageantry of Donald Trump's meeting with Vladimir Putin, six European leaders rushed to Washington DC this week to meet with the US President in a show of solidarity with Volodymyr Zelensky. Tom Bateman followed the twists and turns and reflects on what was actually achieved at the White House.Vladimir Putin has come to rely on support from North Korea to bolster his troops in Ukraine. Pyongyang is now sending thousands of construction workers, to help fill a huge labour shortage created by the war. Jean Mackenzie has spoken to six workers who've managed to escape.In the hills of southern Chile and is an alluring tourist destination - a German-style village - but it was once home to a religious sect run by a manipulative and abusive leader. The Chilean government wants to expropriate some of its land to create a memorial for the people who were tortured and killed there during Pinochet's regime. But Grace Livingstone finds, it's proving divisive.In the Loire valley the summer months bring both extended bank holiday weekends in France and the return in the last few decades of the 'Guinguettes', waterside outdoor bars and dance halls which were once popular in the 17th and 18th centuries. Jamie Smith-Maillet went to soak up the atmosphereSeries Producer: Serena Tarling Production Coordinators: Katie Morrison & Sophie Hill Editor: Richard Vadon

    Hand Of Pod
    Episode 546: Chaos at Independiente v U de Chile, but success for Argentina's Libertadores sides

    Hand Of Pod

    Play Episode Listen Later Aug 23, 2025 80:03


    This week Sam, English Dan and Andrés unpack the scenes in Avellaneda on Wednesday night, which saw the second half of Independiente v Universidad de Chile in the Copa Sudamericana abandoned after violence from both barra bravas in the stands. In the continent's other cup the news was much better for Argentina's representatives, who make up four of the last eight. And we have one last look at the group stage of the Torneo Clausura. We'll be back in November for the knockout stage of the league and a Copa Libertadores final that will hopefully feature at least one Argentine team.

    Professionally Silly
    HE WAS NAKED ON HER COUCH!!!

    Professionally Silly

    Play Episode Listen Later Aug 22, 2025 39:51


    Chile, did you know there are Black Scottish people? Bagpipes, kilts, AND melanin—our ancestors stay surprising us! Meanwhile, KFC finally decided to stop playing in our faces and bring back the one menu item everybody's been begging for. (Bout time!) And if that ain't enough, another listener slid into the vent line and let's just say… their baby daddy might wanna visit a bathtub and a therapist after this call. Tune in for laughs, shade, and a side of extra crispy!ALL MY SOCIALS ARE HEREhttps://linktr.ee/AmbersmilesjonesFOLLOW DJ HEY COUSIN A.K.A WES ROBERTSLinktreehttps://linktr.ee/by.wesroberts?fbclid=PAZXh0bgNhZW0CMTEAAaZAELFlV6vSJw72MSahNTfPtWx-pz1burhX-NxiahrupwwUXIseaxk2AlM_aem_VpOSgl9UU0ug7vvU5nIb0w Instagramhttps://www.instagram.com/by.wesroberts?igsh=dHhxdTFsdjEwbjF5&utm_source=qr Facebookhttps://www.facebook.com/share/AjX4fBxw6ADbaUKP/? mibextid=LQQJ4dTiktokhttps://www.tiktok.com/@djheycousin?_t=8pV3EGJB9PX&_r=1 Join my Professionally Silly YouTube channel membership to get access to perks:https://www.youtube.com/channel/UCEabIsoT5wrN5hRSgY7wnYQ/join  Amber “Smiles” JonesPO BOX 533Lovejoy, GA 30250Email me: itsprofessionallysilly@gmail.com LEAVE ME A MESSAGE 805-664-1828

    Soccer Down Here
    Copa Sudamericana, CONMEBOL, Libertadores: GOLTV's Nino Torres on SDH AM 8.21.25

    Soccer Down Here

    Play Episode Listen Later Aug 22, 2025 30:28 Transcription Available


    GOLTV's Nino Torres goes Fully Loaded on the events at the AvellanedaWe look at the shocking events between Universidad de Chile and Independiente- adding some understanding of the culture in South America, looking at the response of the home club, and what could be done by CONMEBOL 

    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 22, 2025 117:17 Transcription Available


    Rod, Mo, Alex, and Chile talk about songs that are guaranteed to make people happy, tell you what "quiet cracking" is, and do Day 23 of The Suburb Summer Sizzler. Then in the final hour of the show it's Open Phones Friday.

    Posse de Bola
    #554: Flamengo, Palmeiras ou São Paulo, quem tem o pior caminho? Botafogo fora da Libertadores!

    Posse de Bola

    Play Episode Listen Later Aug 22, 2025 79:40


    Mauro Cezar, Arnaldo Ribeiro, Eduardo Tironi, Juca Kfouri e Danilo Lavieri analisam as classificações de Flamengo, Palmeiras e São Paulo para as quartas de final da Libertadores. Quem tem o pior confronto na sequência? E ainda a eliminação do Botafogo diante da LDU na altitude e a barbárie na Copa Sul-Americana no jogo entre Independiente e Universidad de Chile

    SBS Spanish - SBS en español
    Deportes SBS Spanish | 22 agosto 2025

    SBS Spanish - SBS en español

    Play Episode Listen Later Aug 22, 2025 5:32


    Argentina y Chile evalúan responsabilidades tras los violentos enfrentamientos entre hinchas que se atacaron con cuchillos, palos y granadas de estruendo en un partido de fútbol en Buenos Aires, y que dejaron un centenar de detenidos y 19 heridos, tres de ellos de gravedad. Escuchas las noticias deportivas del día.

    Trivela
    Meiocampo #161 Violência em Avellaneda, campeão eliminado na Libertadores

    Trivela

    Play Episode Listen Later Aug 22, 2025 80:24


    Cenas de violência tomaram conta da quarta-feira (20/08) de futebol na Argentina no jogo entre Independiente e Universidad de Chile, pela Copa Sul-Americana. Com muitos feriados e a partida cancelada, há expectativa de punições graves.Já na Libertadores, foram definidas as oitavas de final e o atual campeão Botafogo está eliminado.de semana, com os guias do Meiocampo, além dos destaques das fases preliminares das competições de clubes da UEFA.INSCREVA-SE NA NEWSLETTER! Toda sexta-feira aberta a todos inscritos com nossos textos sobre o que rolou na semana e às terças com conteúdo exclusivo apenas para assinantes: https://newsletter.meiocampo.net/SEJA MEMBRO! Seu apoio é fundamental para que o Meiocampo continue existindo e possa fazer mais. Seja membro aqui pelo Youtube! Se você ouve via podcast, clique no link na descrição para ser membro: https://www.youtube.com/channel/UCSKkF7ziXfmfjMxe9uhVyHw/joinConheça o canal do Bruno Bonsanti sobre Football Manager: https://www.youtube.com/@BonsaFMConheça o canal do Felipe Lobo sobre games: https://www.youtube.com/@Proxima_Fase

    Noticentro
    Suman 78 mexicanos detenidos en Alcatraz de los caimanes

    Noticentro

    Play Episode Listen Later Aug 22, 2025 1:17


    Rutas de la Salud excluyen insulina y generan críticas Encarcelan a cuatro mujeres tzotziles en Chiapas por negarse a donar terrenosSismo de 7.5 en el Pasaje de Drake activa alerta de tsunamiMás información en nuestro podcast

    Bright Side
    They Survived 69 Days Trapped Underground!

    Bright Side

    Play Episode Listen Later Aug 22, 2025 28:59


    It was a mining disaster in Chile that left them stranded, and the whole world held its breath. They had to ration food and water, and communication was basically non-existent. But they didn't give up. Rescuers worked tirelessly, and when they finally pulled those miners to safety, it was like a miracle. It's a story of human resilience and the incredible will to survive against all odds for a whole 69 days. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Tech Won't Save Us
    Why Countries Must Fight For Digital Sovereignty w/ Cecilia Rikap

    Tech Won't Save Us

    Play Episode Listen Later Aug 21, 2025 59:38


    Paris Marx is joined by Cecilia Rikap to discuss how countries' dependence on US tech companies is harming them and why they need to get serious about digital sovereignty.Cecilia Rikap is Associate Professor in Economics at University College London and Head of Research at the Institute for Innovation and Public Purpose.Tech Won't Save Us offers a critical perspective on tech, its worldview, and wider society with the goal of inspiring people to demand better tech and a better world. Support the show on Patreon.The podcast is made in partnership with The Nation. Production is by Kyla Hewson.Also mentioned in this episode:Cecilia (and Paris!) worked on a report offering a roadmap to reclaiming digital sovereignty.The UK Labour Party forced the chair of the Competition and Markets Authority to step down earlier this year to promote its pro-growth agenda.A Microsoft executive told a French Senate committee that it could not guarantee data sovereignty if the US government requested information stored on its servers in Europe.Alexandre de Moraes is the Brazilian judge pushing back against big tech.The US is sanctioning judges from the ICC (as well as Alexandre de Moraes)Support the show

    Peláez y De Francisco en La W
    ¿Cómo acabar con la violencia en el fútbol?

    Peláez y De Francisco en La W

    Play Episode Listen Later Aug 21, 2025 87:04


    Hernán Peláez y Martín De Francisco se refirieron a los hechos de violencia que se presentaron en Argentina durante el partido entre Independiente de Avellaneda y Universidad de Chile.

    Soccer Down Here
    CONMEBOL Shame Again in Copa Sudamericana, Leagues Cup Semifinals Set: Morning Espresso, 8.21

    Soccer Down Here

    Play Episode Listen Later Aug 21, 2025 28:35 Transcription Available


    Leagues Cup quarterfinals, with Inter Miami, Orlando City, LA Galaxy, and Seattle Sounders all punching their tickets to the semifinals. In the Concacaf W Champions Cup, Gotham FC opened their title defense with a gritty win over Monterrey.But in Argentina, the Copa Sudamericana descended into chaos. The second leg between Independiente and Universidad de Chile was abandoned after shocking violence in the stands, another black mark on CONMEBOL's track record of mismanagement and poor security. We break down the fallout, the political responses in Chile, and what this could mean for the competition moving forward.Plus, transfer drama in Europe continues with the Alexander Isak saga at Newcastle, Arsenal hijacking Spurs for Eberechi Eze, and MLS teams pushing deals to the wire before the window closes.

    Soccer Down Here
    Leagues Cup Recap, Copa Sudamericana, MLS, Transfers: SDH AM 8.21.25

    Soccer Down Here

    Play Episode Listen Later Aug 21, 2025 121:24 Transcription Available


    Thursday Thoughts has a lot of them on SDH AMWe look back at the craziness of Leagues Cup in Fort Lauderdale last night- and set up the semisPlus, we spend a lot of time talking the disturbing moment in the Sudamericana last night involving Universidad de Chile and IndependienteGOLTV's Nino Torres joins in Hour 2 for some background on the soccer culture in South America and where CONMEBOL may go from here...

    Endörfina com Michel Bögli
    #426 Gustavo Herbetta

    Endörfina com Michel Bögli

    Play Episode Listen Later Aug 21, 2025 108:21


    Nascido em uma família de raízes italianas e apaixonada por futebol, ele encontrou no esporte uma linguagem afetiva desde muito cedo. Foi com o pai, torcedor palmeirense, que viveu suas primeiras grandes emoções esportivas, como a inesquecível Copa do Mundo de 1982. Praticava todos os esportes possíveis na escola e jogava futsal em um time do bairro. Apesar da origem italiana e palmeirense da família, ele se tornou a “ovelha alvinegra”, escolhendo o Corinthians como time do coração. Jogou futsal durante 10 anos e encerrou sua carreira como atleta em um campeonato sul-americano de futebol no Chile. Na faculdade, escolheu o curso de Educação Física, almejando continuar a fazer parte do ambiente esportivo, mas logo entendeu que sua aptidão estava mais no marketing do que na atividade física. A partir daí, iniciou uma trajetória no mundo da publicidade, passando por grandes grupos multinacionais como McCann Erickson, Publicis e DDB. Em mais de 15 anos de carreira, atuou no Brasil e nos Estados Unidos, atendendo marcas globais como Coca-Cola, Nestlé e Walmart — inclusive em campanhas voltadas ao esporte. Mas o reencontro definitivo com sua paixão viria em 2015, quando aceitou o convite para assumir o marketing justamente do Corinthians. Durante quase três anos no clube, foi protagonista de um período de profundas transformações, que resultaram em recordes de faturamento, crescimento de marca e maior profissionalização da estrutura comercial. De lá, assumiu como CEO de uma nova agência esportiva do grupo Publicis, liderando campanhas para a Seleção Brasileira na Copa da Rússia e ampliando o portfólio com contas relevantes no cenário esportivo nacional. Nos anos seguintes, seguiu conectado ao futebol por meio de projetos com a Federação Paulista e a CBF, até que, em 2022, foi escolhido para liderar o marketing do Comitê Olímpico do Brasil. À frente da entidade até o fim de 2024, liderou iniciativas estratégicas como o reposicionamento do “Manda Brasa”, o lançamento das fanfests “Paris é Brasa” e a valorização do atleta como protagonista da comunicação olímpica, consolidando resultados históricos para o COB no ciclo de Paris. Conosco aqui, o publicitário com mais de 25 anos de experiência, estrategista de marketing esportivo, head da 1896, agência dedicada à gestão comercial do COB até os Jogos de Los Angeles 2028, o paulistano Gustavo Ferraz Herbetta. Inspire-se! A 2 Peaks Bikes é a importadora e distribuidora oficial no Brasil da Factor Bikes, Santa Cruz Bikes e de diversas outras marcas e conta com três lojas: Rio de Janeiro, São Paulo e Los Angeles. Lá, ninguém vende o que não conhece: todo produto é testado por quem realmente pedala.  A 2 Peaks Bikes foi pensada e criada para resolver os desafios de quem leva o pedal a sério — seja no asfalto, na terra ou na trilha. Mas também acolhe o ciclista urbano, o iniciante e até a criança que está começando a brincar de pedalar. Para a 2 Peaks, todo ciclista é bem-vindo.  Eu convido você a conhecer a 2 Peaks Bikes, distribuidora oficial da Factor e Santa Cruz Bikes no Brasil. @2peaksbikes @2peaksbikesla SIGA e COMPARTILHE o Endörfina através do seu app preferido de podcasts. Contribua também com este projeto através do Apoia.se.  

    Mining Stock Daily
    Morning Briefing: Energy Fuels Produces 1st Kilogram of Dysprosium Oxide from the White Mesa Mill

    Mining Stock Daily

    Play Episode Listen Later Aug 21, 2025 9:09


    Energy Fuels has successfully completed production of its first kilogram of dysprosium oxide at pilot scale at the Company's White Mesa Mill in Utah. White Gold has updated its mineral resource estimate. NexMetals and Dryden Gold have new assay results out. Marimaca to acquire a sulfuric acid plant in Chile. This episode of Mining Stock Daily is brought to you by... Revival Gold is one of the largest pure gold mine developer operating in the United States. The Company is advancing the Mercur Gold Project in Utah and mine permitting preparations and ongoing exploration at the Beartrack-Arnett Gold Project located in Idaho. Revival Gold is listed on the TSX Venture Exchange under the ticker symbol “RVG” and trades on the OTCQX Market under the ticker symbol “RVLGF”. Learn more about the company at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠revival-dash-gold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vizsla Silver is focused on becoming one of the world's largest single-asset silver producers through the exploration and development of the 100% owned Panuco-Copala silver-gold district in Sinaloa, Mexico. The company consolidated this historic district in 2019 and has now completed over 325,000 meters of drilling. The company has the world's largest, undeveloped high-grade silver resource. Learn more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://vizslasilvercorp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Equinox has recently completed the business combination with Calibre Mining to create an Americas-focused diversified gold producer with a portfolio of mines in five countries, anchored by two high-profile, long-life Canadian gold mines, Greenstone and Valentine. Learn more about the business and its operations at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equinoxgold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Integra is a growing precious metals producer in the Great Basin of the Western United States. Integra is focused on demonstrating profitability and operational excellence at its principal operating asset, the Florida Canyon Mine, located in Nevada. In addition, Integra is committed to advancing its flagship development-stage heap leach projects: the past producing DeLamar Project located in southwestern Idaho, and the Nevada North Project located in western Nevada. Learn more about the business and their high industry standards over at integraresources.com

    The Rod Ryan Show
    The Read My Lips Game

    The Rod Ryan Show

    Play Episode Listen Later Aug 21, 2025 9:01 Transcription Available


    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 21, 2025 121:23 Transcription Available


    Rod, Mo, Alex, and Chile talk about Jamie Lee Curtis, play another round of The Read My Lips Game, and do Day 22 of The Suburb Summer Sizzler.

    TRUE LOVE
    #45 Unter Tage

    TRUE LOVE

    Play Episode Listen Later Aug 21, 2025 113:16


    Als 2010 die Mine San José in Chile einstürzt, sind 33 Bergleute in 700 Metern Tiefe gefangen. Während die Rettungsmission nur schleppend voran geht und die Bergbaugesellschaft die Mineros aufgeben will, kämpfen die Ehefrauen, Mütter und Schwestern der Bergleute um ihre Rettung. Die Frauen schlagen ein Camp neben der Mine auf – „Campamento Esperanza“, das Lager der Hoffnung. Sie geben nicht auf, machen Druck auf Politik und Unternehmen, und werden zum Herz dieser Rettungsaktion. Und so blickt bald die ganze Welt gebannt auf Chile. Reporter reisen an und nehmen das Privatleben der 33 Gefangenen unter die Lupe. In dieser Folge True Love erzählen wir von Hoffnung und Angst, von Solidarität und Sensationsgier – und von der Liebe, die in den dunkelsten Momenten am hellsten scheint. Eine Produktion von Auf Ex Productions. Hosts: Leonie Bartsch & Linn Schütze Recherche: Thomas Schumann Redaktion: Antonia Fischer Produktion: Lorenz Schütze Experte: Wolfgang Griem Hintergrundinformationen, Bilder und Videos findet ihr auf unserem Instagram- oder TikTok-Kanal @true.lovepodcast. Oder auf unseren privaten Profilen @leonie_bartsch und @linnschuetze. Wir würden uns riesig freuen, wenn ihr den Podcast bewertet und teilt. Haben euch lieb & bis in zwei Wochen! Quellen (Auswahl) Buch "Setenta días de noche: 33 mineros atrapados: historia oculta de un rescate" von Emma Sepúlveda Pulvirenti Artikel [New York Post](https://nypost.com/2010/10/14/wife-of-cheating-chilean-miner-refuses-to-visit-him-after-rescue/) Artikel [New York Times ](https://www.nytimes.com/2010/10/14/world/americas/14affairchile.html) Artikel [DER SPIEGEL](https://www.spiegel.de/panorama/wunder-von-chile-wie-geht-es-den-geretteten-minenarbeitern-heute-a-1232779.html) Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/truelove_podcast) Du möchtest Werbung in diesem Podcast schalten? [**Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio!**](https://www.seven.one/portfolio/sevenone-audio)

    American History Tellers
    FAN FAVORITE: California Gold Rush | The First Strike | 1

    American History Tellers

    Play Episode Listen Later Aug 20, 2025 37:17


    After the discovery of gold at Sutter's Mill in 1848, hundreds of thousands of prospectors poured into California, hoping to strike it rich. In the early days, rather than coming from within the U.S., most miners arrived from places like China, Hawaii, Chile, and Australia. But when President James K. Polk confirmed that newspaper reports of vast gold fields were true, it would kick the Gold Rush into high gear, transforming America and establishing California as a place for grand ambitions and big dreams.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to American History Tellers on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial today by visiting wondery.com/links/american-history-tellers/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Hermitix
    Carl Jung, Death, and Communion with the Dead with Luis Moris

    Hermitix

    Play Episode Listen Later Aug 20, 2025 55:28


    Luis Moris is from the south of Chile. After finishing high school, he left his home country to spend six years studying psychology in the United States. After receiving a Master's degree specialized in clinical psychology he departed from the US to live in Lagos, Nigeria, where he volunteered for Doctors Without Borders (MSF) in a program against AIDS. Following this experience, he spent six years in Paris, France, and then moved to Zurich. He came to Zurich to study Jungian psychology, and after almost six years of training, he graduated from ISAP ZURICH as a Jungian psychoanalyst. Zurich is where he lives and works. Luis' site: https://www.luismoris.com---Become part of the Hermitix community:Hermitix Twitter - ⁠⁠ / hermitixpodcast⁠⁠ Hermitix Discord - ⁠⁠ / discord Support Hermitix:Hermitix Subscription - ⁠⁠https://hermitix.net/subscribe/⁠⁠ Patreon - ⁠⁠ www.patreon.com/hermitix⁠⁠ Donations: - ⁠⁠https://www.paypal.me/hermitixpod⁠⁠Hermitix Merchandise - ⁠⁠http://teespring.com/stores/hermitix-2⁠⁠Bitcoin Donation Address: 3LAGEKBXEuE2pgc4oubExGTWtrKPuXDDLKEthereum Donation Address: 0xfd2bbe86d6070004b9Cbf682aB2F25170046A996

    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 20, 2025 118:04 Transcription Available


    Rod, Mo, Alex, and Chile talk about National Radio Day, tell you some ways we're making ourselves dumber everyday, and debate what the best late night foods in America are. They also do Day 21 of The Suburb Summer Sizzler.

    Mindalia.com-Salud,Espiritualidad,Conocimiento
    ¿Quién mueve los hilos en América Latina? Declaraciones de Doc Files

    Mindalia.com-Salud,Espiritualidad,Conocimiento

    Play Episode Listen Later Aug 20, 2025 42:22


    En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=y71gXf3ZgL8 ¿Quién mueve realmente los hilos de América Latina? En esta entrevista exclusiva, Cristian Contreras Radovic, más conocido como Doc Files, analiza el papel clave que juega Latinoamérica en el nuevo orden mundial. Guerras silenciosas, manipulación mediática, intereses económicos, energéticos y espirituales... ¿Por qué América Latina se ha convertido en un territorio en disputa para los grandes bloques de poder global? ¿Estamos despertando como región... o cayendo en una nueva forma de colonización? Doc Files Periodista, Doctor en filosofía y licenciado en Ciencias Sociales. Lleva más de 30 años dedicado a la investigación del origen del universo y de las grandes civilizaciones de la Tierra. Ex candidato a presidente en Chile. Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

    The Rod Ryan Show
    Full Show

    The Rod Ryan Show

    Play Episode Listen Later Aug 19, 2025 114:30 Transcription Available


    Rod, Mo, Alex, and Chile talk about funny new game shows, debate whether people with 9-5 jobs are losers (like Lil Tay says), and play Day 20 of The Suburb Summer Sizzler.

    #plugintodevin - Your Mark on the World with Devin Thorpe
    Positive Polar: Pioneering Science for Ocean Restoration Through Expedition Cruises

    #plugintodevin - Your Mark on the World with Devin Thorpe

    Play Episode Listen Later Aug 19, 2025 25:58


    Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Dr. Jenn: Connecting ideas.Captain Hugo: Pragmatic observation.Restoring ocean ecosystems while offering unforgettable polar expeditions may sound ambitious, but that's the mission of Positive Polar LLC, led by Dr. Jenn Bonilla and Captain Hugo Hinrichsen. The company is pioneering a new approach to ocean restoration by integrating cutting-edge science into its expedition cruises.Jenn explained, “Our passengers will not only enjoy incredible experiences in pristine polar environments but also witness and even participate in real-time scientific experiments aimed at restoring the ocean's natural balance.” Positive Polar's vision includes biomimicking the ecological role of whales, whose populations have been drastically reduced over the past century. This innovative approach seeks to restore biodiversity and sequester carbon naturally, addressing both environmental and climate challenges.The concept is as unique as it is compelling. While many expedition cruises offer educational activities, Positive Polar makes science central to the experience. Jenn highlighted this distinction, saying, “What we're doing is actually advancing a very specific set of validated—or to be validated—science about ocean restoration.” Guests aboard Positive Polar's ship will witness experiments in ocean restoration, such as using whale biomimicry to grow phytoplankton, which supports marine life and captures carbon.Captain Hugo emphasized the environmental impact of their operations, explaining that the company goes beyond sustainability. “As our ship sails, we'll generate life in our wake by spreading nutrients that restore ocean biodiversity and sequester carbon,” he said. Positive Polar also plans to use carbon-neutral fuels like hydrogen-derived alternatives to minimize emissions.The company is currently raising capital via a regulated crowdfunding campaign on WeFunder. Investors not only gain the opportunity to support ocean restoration but also receive benefits like discounted cruise experiences. As Hugo put it, “Finally, our investors will feel the ship and spread our message. It's a perfect fit.”Positive Polar's model combines a sustainable business approach with science-driven innovation to create both environmental impact and financial returns. With just a small share of the growing expedition cruise market, Positive Polar aims to fund research, restore oceans, and deliver exceptional experiences.By supporting Positive Polar, investors and passengers alike can play a vital role in restoring the oceans to their pre-industrial health.tl;dr:Positive Polar combines expedition cruises with science to restore ocean biodiversity and combat climate change.Jenn and Hugo discussed their innovative whale biomimicry reactor, which transforms waste into ocean-restoring nutrients.The company's use of carbon-neutral fuels and nutrient-spreading ensures minimal environmental impact while sailing.Positive Polar is raising funds through WeFunder, offering both environmental and financial returns for investors.Jenn and Hugo's superpowers—connecting ideas and pragmatic observation—drive the company's mission and innovation.How to Develop Connecting Ideas and Pragmatic Observation As a SuperpowerJenn described her superpower as the ability to connect seemingly unrelated ideas, technologies, and disciplines. She explained, “There should be a way for us to treat waste so it looks like whale poop before it's dumped in the ocean. If it did, it would grow phytoplankton.” This innovative thinking drives Positive Polar's whale biomimicry reactor, a project that transforms waste into ocean-restoring nutrients.Hugo's superpower, on the other hand, is pragmatic observation. He shared how his experiences in Patagonia and Antarctica shaped his perspective. “I saw how the lagoons no longer froze and realized I had to do something,” he said. Hugo's sharp observations led to the creation of Positive Polar, combining tourism with ocean-saving science.Illustrative Story:Jenn's ability to connect ideas is exemplified by her vision for the whale biomimicry reactor. Drawing on her biotech background, she recognized that shipboard waste could be treated to mimic the ecological role of whale feces. This innovation transforms waste into nutrients that grow phytoplankton, restoring marine ecosystems and sequestering carbon.Hugo's story of growing up in Patagonia illustrates his pragmatic observation. When he returned to show his children the winters of his childhood, he found the lagoons no longer froze. This marked a turning point for him, inspiring his mission to restore the oceans through science-backed tourism.Tips for Developing the Superpowers:For Connecting Ideas (Jenn's Superpower):Explore intersections between unrelated fields or disciplines.Leverage your expertise to creatively solve problems in new domains.Collaborate with experts from diverse backgrounds to gain fresh perspectives.For Pragmatic Observation (Hugo's Superpower):Pay close attention to changes in your environment and their implications.Use experiences to identify practical solutions to larger problems.Focus on actionable insights rather than abstract concerns.By following Jenn's example of connecting ideas and Hugo's pragmatic approach to observation, you can develop these skills. With practice and effort, you could turn these into superpowers that enable you to drive meaningful change and do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileJenn Bonilla (she/her):President, Positive Polar LLCAbout Positive Polar LLC: Positive Polar is the first expedition cruise company dedicated to funding groundbreaking research and solutions to heal our environment. Their mission is a beacon of hope: to restore ocean wildlife and ecosystems by harnessing nature's own genius, like the “whale pump,” while igniting a global wave of ambassadorship for environmental restoration.Website: positivepolar.comX/Twitter Handle: @positivepolarxCompany Facebook Page: facebook.com/positivepolarexBiographical Information: Jenn is one of the visionary founders of Positive Polar, the first science expedition cruise company dedicated to funding groundbreaking research and solutions to heal our environment.Their mission is a beacon of hope: to restore ocean wildlife and ecosystems by harnessing nature's own genius, like the “whale pump,” while igniting a global wave of ambassadorship for environmental restoration.Dr. Jenn is a research Psychologist and experienced biotechnology professional who has led the investment, development and commercialization of multiple biotechnology products. She is also a passionate expedition cruiser and whale lover who is committed to applying her extensive expertise to making a positive difference for ocean wildlife and the environment.She lives currently in Tampa and as President of Positive Polar expects to spend most of her time aboard the Polar Angel once sailing, leading the scientific programming in consultation with world-leading experts and building advocacy for whales, oceans, and environmental restoration.Hugo Hinrichsen (he/him):CEO, Positive Polar LLCAbout Positive Polar LLC: Positive Polar is the first expedition cruise company dedicated to funding groundbreaking research and solutions to heal our environment. Their mission is a beacon of hope: to restore ocean wildlife and ecosystems by harnessing nature's own genius, like the “whale pump,” while igniting a global wave of ambassadorship for environmental restoration.Website: positivepolar.comX/Twitter Handle: @positivepolarxCompany Facebook Page: facebook.com/positivepolarexOther URL: wefunder.com/positivepolarBiographical Information: Captain Hugo Hinrichsen is a visionary leader and Climate Restoration Ambassador to the cruise industry, dedicated to healing our oceans and restoring balance to the planet. As one of the founders of Positive Polar, the world's first science expedition cruise company focused on funding groundbreaking environmental research, Hugo is pioneering a mission to restore marine wildlife and ecosystems by working with nature's own solutions, such as the “whale pump.” His efforts are not only scientific but deeply personal. Descended from Danish whalers, Hugo is determined to transform that legacy into one of redemption, championing whales as keystone species for planetary health. Having lived in Patagonia, he has witnessed firsthand the devastating changes in climate—disappearing ice, snow replaced by rain, and the loss of the winters he once cherished with his children—fueling his drive to spark a global wave of environmental stewardship.With a distinguished career as a Reserve Frigate Captain, naval engineer, polar helicopter pilot, and expedition leader, Hugo has commanded naval and air-sea operations, led rescue missions, and supported scientists in some of the harshest environments on Earth. Beyond his extensive maritime and aviation expertise, he holds a Master's degree in Strategic Development and Business Administration, embodying both leadership and entrepreneurial vision. Splitting his time between Concón, Chile, where he raises his five children, and the United States, where he is building Positive Polar, Hugo is preparing to guide the company into its next chapter. As CEO, he will spend much of his time at sea, directing polar expeditions that combine exploration, science, and advocacy—rallying global awareness for whale restoration, healthy oceans, and a brighter environmental future.Linkedin: linkedin.com/in/hugo-hinrichsenInstagram Handle: @positivepolarxSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Rancho Affordable Housing (Proactive), and Dopple. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture |  Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on August 19, 2025, at 1:30 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, August 20, 2025, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on "Your Portal, Your Future: How to Choose the Right Reg CF Platform." With so many investment crowdfunding portals available today, selecting the right one can be overwhelming for both founders and investors. In this session, Devin will break down the critical factors to consider—such as platform fees, audience demographics, compliance support, industry focus, and overall user experience. Whether you're a founder planning a raise or an investor exploring where to put your dollars to work, you'll walk away with a clearer understanding of how to evaluate and choose the platform that best aligns with your goals. Don't miss this practical, insight-packed hour designed to help you take your next step in the Reg CF ecosystem with confidence.SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. VIPs get access to our better-than-in-person networking, including backstage passes, VIP networking and an exclusive VIP webinar! Get your VIP access for just $25. A select group of affordable sponsorship opportunities is still available. Learn more here.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.NEIGHBR Live Webinar, in partnership with FundingHope, will share NEIGHBR's story with a wider audience — September 3 at 11 AM EST. Reserve your spot today!Earthstock Festival & Summit (Oct 2–5, 2025, Santa Monica & Venice, CA) unites music, arts, ecology, health, and green innovation for four days of learning, networking, and celebration. Register now at EarthstockFestival.com.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Impact Accelerator Summit is a live in-person event taking place in Austin, Texas, from October 23–25, 2025. This exclusive gathering brings together 100 heart-centered, conscious entrepreneurs generating $1M+ in revenue with 20–30 family offices and venture funds actively seeking to invest in world-changing businesses. Referred by Michael Dash, participants can expect an inspiring, high-impact experience focused on capital connection, growth, and global impact.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

    New Books Network
    Chile's Growing Interests in China

    New Books Network

    Play Episode Listen Later Aug 19, 2025 27:47


    Chile holds the distinction of being the first South American nation to forge diplomatic ties with the People's Republic of China, as well as the first in Latin America to enter into a free trade agreement with China. Despite the nearly 24-hour journey required to travel between the two countries, this considerable distance has not hindered the expanding interactions between them. The presence of various waves of the Chinese diaspora in Chile, while often overlooked, is a real aspect of the country's demographic landscape. In this episode of the Nordic Asia Podcast, Maria Montt Strabucchi, an Associate Professor at the Institute of History at the Pontificia Universidad Católica de Chile (Pontifical Catholic University of Chile) and Vice President for International Affairs at the same University, discusses the deepening connections between Chile and China and their implications for the development of China-related studies and education within Chile. Maria Montt Strabucchi served as the alternate director of the “Millennium Nucleus Impacts of China in Latin America (ICLAC)” project, which is supported by the Chilean National Agency for Research and Development. This initiative provides free online courses in Spanish aimed at enhancing understanding of China and has also developed online investment maps to illustrate China's influence in Chile. Her research interests encompass the portrayal of "China" and "Chineseness," as well as the dynamics of Chinese-Latin American relations, particularly in the context of Chile. Her 2023 publication, “Representation of China in Latin American Literature (1987-2016)” (Liverpool University Press), is available as an open-access resource. Julie Yu-Wen Chen is Professor of Chinese Studies at the Department of Cultures at the University of Helsinki (Finland). Since 2023, she has been involved in the EUVIP: The EU in the Volatile Indo-Pacific Region, a project funded by the European Union's Horizon Europe coordination and support action 10107906 (HORIZON-WIDERA-2021-ACCESS-03). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

    TV Guidance Counselor Podcast
    TV Guidance Counselor Episode 702: Jim Tews

    TV Guidance Counselor Podcast

    Play Episode Listen Later Aug 18, 2025 115:31


    July 29 - August 4, 1989  This week Ken welcomes the comedian behind the new special "with Picture", Jim Tews. Ken and Jim discuss hot aural experiences, college text book rip offs, professors who make you buy books they wrote, pen names, sci-fi, Married...with Children, lazy writing, being 10 years old, being a child of divorce, permissive Dads, basic cable, black "cheater/scrambler" boxes, cigarettes, Joe Camel, being in the U.S. Coast Guard, your cigarette brand, having a terrible memory, broad characters, how Peggy is the MVP of Married...with Children, the horrors of being at a multi-cam show live taping, Maria Shriver, horny Benson and Hedges, tasting the richness of America, random collages, reimbursement for guesting on TV talk shows, pranking news programs, nonsensical MTV ads, the love triangle of Hulk Hogan, Randy Savage and Miss Elizabeth, the revelation of Joe Bones, the devolution of COPS, Golden Girls drug episode, Beyond Tomorrow/Beyond 2000, Acid Rain, Sammy Davis Jr on Hunter as a boxing coach, having a bully bossy big sister, having the "Jimmy wasn't here last week" advantage, avoiding serialized shows, TGIF, MTV's Half Hour Comedy Hour, Stand Up Spotlight, skateboarding, Sk8 TV, Ken watching TVs at department stores, Murder She Wrote, National Geographic, the Family Ties compromise, being land locked, divorced Dad boats, World travel, having an obsession with Chile, visiting Austria, having family in Germany, doing a stand up tour for Armed Forces Entertainment, seeing the pyramids, the classic underage mail fraud to get free CDs, Debbie Gibson and Living Colour being classic 1989, MacGuyver, National Geographic, Baby Boom, annual traditions of playing your brass on the roof on New Year's, unsolicited musical accompaniment at parties, saxophone, Chuck Norris, practicing Karate, Unsolved Mysteries, Who's the Boss?, Wonder Years, Roseanne, Queens, Malls lost to time, FYE, Swimsuit '89, Head of the Class, kicking a hole in the wall watching Sidekicks, Ernie Reyes Jr, Knight and Daye, Shark Week, how the 1983 made for TV movie "Who Will Love My Children?" is four times better than Hot Dog: The Movie, Jesse Jackson guest starring on A Different World, living in a Reader's Digest household, "Humor in Uniform", Cheers, the 1989 writers' strike, The New Mission Impossible, saying no to the SF Strip Club with your Coast Guard co-workers so you can visit shooting locations from Full House, texting Bob Saget, slapstick humor in Perfect Strangers, 20/20, the 20th Anniversary of Woodstock, Minga the Demon,  Doctor Doctor, Matt Frewer, Tales from the Crypt, Miami Vice, the commercial exploitation of the Woodstock 20th Anniversary, and getting VIP treatment at outdoor festivals.

    BirdNote
    Parakeets Underground

    BirdNote

    Play Episode Listen Later Aug 16, 2025 1:42


    Burrowing Parakeets excavate deep nest tunnels in sandstone and limestone cliffs in Argentina and Chile. The colony's many tunnels zigzag and interconnect, creating an intricate labyrinth. Their nesting colonies are among the largest of any parrot — one in Argentina has 70,000 birds!¡Escuche este episodio en español aquí!More info and transcript at BirdNote.org.Want more BirdNote? Subscribe to our weekly newsletter. Sign up for BirdNote+ to get ad-free listening and other perks. BirdNote is a nonprofit. Your tax-deductible gift makes these shows possible.

    Fresh Air
    Pedro Pascal Got Fired A Lot

    Fresh Air

    Play Episode Listen Later Aug 14, 2025 43:46


    Chilean-born actor Pedro Pascal has faced countless on-screen challenges, including cosmic battles and cartel kingpins. He's nominated for an Emmy for his role on the HBO series, The Last of Us. He spoke with Tonya Mosley about getting fired from restaurant jobs, his dance training, and his parents' exile from Chile. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy