Podcasts about Coach

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.

Femi Abebefe & PJ Glasser hit on all of the latest College Football coaching news. Plus, the guys discuss who they think will be Penn State's next coach.

The Helium Boys Podcast returns in history-making fashion as Shotgun Spratling and Chris Trevino record the first live edition of the podcast simulcast on YouTube. Shotgun and Chris are back behind the microphones to break down the Trojans' come-from-behind 29-10 victory over UCLA in the latest iteration of the Crosstown Showdown rivalry matchup. Chris gets things started with his 'Two-Minute Drill' discussing USC getting off to a flat start as it had an emotional letdown after being eliminated from any serious College Football Playoff contention with a loss at Oregon the week prior. Shotgun's 'Two-Minute Drill' focuses on the uptick of defensive pressure in the second half, the impact it had on USC's second-half shutout and why getting pressure with the defensive front is such a high priority going forward. The podcasting duo move into the 'Stock Up, Stock Down' segment, which features a glimpse into the future from the UCLA game both on the field and in the stands. Freshman defensive back Alex Graham and freshman tight end Taniela Tupou, running back King Miller, a senior sendoff with Lake McRee scoring a touchdown and much more are also featured in the segment.  The Helium Boys then dive into the second half of the show which features your questions about a myriad of topics including the worst road trip food stops this season, Ja'Kobi Lane's potential draft stock, thoughts on UCLA's new head coach hire and discussion of the transfer portal with some current players already announcing intentions to enter while some potential targets have already started to emerge. Chris then puts Shotgun through a regular-season final edition of Take It or Leave It with takes solely on whether players will be staying or leaving for a variety of reasons. During the final segment -- the Overtime period -- Shotgun is given reign over the Trevino Tech football program as a coaching carousel hot commodity program leader and must decide on a series of decisions that could determine the future successes of the program he decides to lead. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Tune in for our off-week casual conversation! As always, Coach joins Hannah and Marcelle for this Material Concerns episode featuring a very long check-in (shocking!) and an Oops All Oops segment that also goes kind of long (oops!). Plus, if you like tangents, you'll love our chat about Zac Efron's performance of Bet On It in High School Musical 2. Part II of our episode includes Left on the Table (all about Lord of the Rings) and Make It Make Sense (about what Patreon pages we love!). For Part II, join our Patreon for as little as $54/year! You'll get ad-free episodes, bloopers, a backlog of content and part two of all Material Concerns episodes! Go to patreon.com/ohwitchplease now to join a tier that works for your budget!***Music Credits:“Shopping Mall”: by Jay Arner and Jessica Delisle ©2020Used by permission. All rights reserved. As recorded by Auto Syndicate on the album “Bongo Dance”. Hosted on Acast. See acast.com/privacy for more information.

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.

When I learned of Lauren Tetenbaum's work around workplace menopause advocacy, I knew I wanted her to come on the show.  Talking about menopause at work is long overdue.  When there is something that directly impacts 50% of our population, 100% of us are impacted in some way.  We need to be talking about menopause at work.  Period.  Lauren Tetenbaum, LCSW, JD, PMH-C is a licensed clinical social worker, women's rights advocate, writer, and mom dedicated to supporting and empowering women through life transitions. With experience as both a lawyer and a psychotherapist, Lauren specializes in counseling women navigating identity shifts related to motherhood, career, and reproductive health. Lauren frequently contributes thought leadership to media and professional organizations; she is the author of the 2025 book Millennial Menopause: Preparing for Perimenopause, Menopause, and Life's Next Period.  Listen in to hear Lauren share: Why reproductive healthcare is a workplace issue The perimenopause/menopause symptoms that impact women at work Accommodations workplaces can make that support women in perimenopause/menopause (that benefit others too!) Benefits that workplaces can easily add to improve healthcare access for midlife women When and how to prepare for perimenopause instead of waiting for it to “hit you” in a way that profoundly impacts your life The costs we are seeing for employers who are choosing to NOT address menopause in the workplace How men can advocate for menopause friendly policies, education, and accommodations in the workplace Links Mentioned:  Connect with Lauren: millennialmenopause.com Get Lauren's book: Millennial Menopause Lauren on IG: @thecounselaur: https://www.instagram.com/thecounselaur/ Lauren on LinkedIn: https://www.linkedin.com/in/laurenatetenbaum/ Organization: Let's Talk Menopause Organization: The Menopause Society [Dec 9th and Jan 8th] Shameless Rising: a 2-part workshop series to release the noise, reclaim your voice, and reignite your vision in 2026: saradean.com/rising [Open Enrollment] Join Sara's Aligned Leadership Incubator: saradean.com/aligned Hire me to speak: saradean.com/speaking Coach with me: https://saradean.com/executive-coaching-services Connect with me on LinkedIn: https://www.linkedin.com/in/saradeanspeaks Watch Shameless Leadership episodes on YouTube: https://www.youtube.com/@saradeanspeaks Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions BOBBLE ED'S: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: Jägermeister: Check Jägermeister out at https://us.jagermeister.com/. Drink Responsibly, Jägermeister Liqueur 35% alcohol by volume. Imported by Mast Jägermeister US, White Plains. NY. AuraFrames: Exclusive $35 off Carver Mat at https://on.auraframes.com/MOSTLY. Promo Code MOSTLY Ikon Pass: Claim joy at 60+ destinations before it's too late. Last day to buy Ikon Pass is December 11. https://ikonpass.com DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. 1 per new customer. Must register new account to receive reward Token. Must select Token BEFORE placing min. $5 bet to receive $200 in Bonus Bets if your bet wins. Min. -500 odds req. Token and Bonus Bets are single-use and non-withdrawable. Token expires 1/11/26. Bonus Bets expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 1/4/26 at 11:59 PM ET. Sponsored by DK. LIDS: Get ALL CAPS. ALL JERSEYS. ALL HOLIDAY. Only at Lids. From exclusive team gear to custom gifts, there's no better place to turn up your holiday style—Lids has you covered. Shop in-store today and make every gift personal. SportClips: Try one of the Holiday Playmaker Scents! Available until December 27 at participating locations only and where permitted by law. Sport Clips. It's a Game Changer. Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

It's Talk that Talk Tuesday on The Coach JB Show with Big Smitty as Super Bowl Champion Shaun King joins to breakdown Drake Maye's PERFORMANCE in the Patriots' WIN vs. Giants last night on MNF... Steve Kim joins the show to talk Carson Beck & Miami Hurricanes Football after their WIN vs. Pitt... Commanders DT Sheldon Day joins for an Exclusive Interview... Join us for this and much more on The REALEST Show on Planet ERF! Like, Comment, and Subscribe! The Coach JB Show with Big Smitty is the realest sports show on Planet ERF! We discuss what other talk shows & debate shows refuse to discuss! We are LIVE 3 hours a day from 6-9am pacific with the realest guests on Planet ERF! Coach Jason Brown is the star of the hit Netflix series "Last Chance U", master motivator, and legendary JUCO football coach!! Darnell Smith Fox Sports very own, Ball State Alum, and Nap towns finest! Merciless Monday | Talk that Talk Tuesday | Work-Boot Wednesday | Truth Telling Thursday's | Free Game Friday Matt McChesney on Monday/Wed/Friday Steve Kim on Tuesday/Thursday Shaun King - Former NFL QB Monday/Friday Live M-F 6am-9am PST. Subscribe and become a member today, $2.99 for general membership or $5.99 to join Slap Nation and get access to the exclusive Coach's Crew group Chat!! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever looked at your life, your business, your relationships, your health, and thought, “Man… I'm doing a lot, but am I actually living at my highest level?”In this episode of The Happy Hustle Podcast, I sit down with Rudi Riekstins, a leadership visionary, energetic mastery coach, and trusted mentor to high-performing entrepreneurs and transformational leaders. Rudi is the real deal. A husband, father, and deeply grounded human, he brings a blend of wisdom, spirituality, neuroscience, and lived experience that just hits different. This episode matters because it's not about grinding harder… it's about remembering who you actually are and learning how to create a life that is fully aligned, fully intentional, and fully YOU.We dive deep into what it really means to live a “10 out of 10 life,” where every area, from marriage to health to leadership to purpose, gets the attention it deserves. Rudi breaks down the mental, physical, and energetic bodies, the neuroscience of manifestation, and why most people unintentionally sabotage their dreams without even knowing it. And he does it all in a way that's practical, simple, and powerful as hell.Some of the biggest takeaways you'll hear are why the first 20 minutes of your day dictate your ability to lead, love, and create; how shifting your emotional state literally rewires your destiny; why giving selflessly of your insight, finances, and time accelerates abundance; how your energy influences people before your words ever reach them; and how coherence, not stress is the real superpower behind sustainable success.This conversation is an invitation to remember who the F you are, take ownership of your emotional world, and show up as the most aligned, whole, powerful version of yourself. It's about becoming the kind of person who can have the epic marriage, the thriving business, the deep peace, and the joyful life without sacrificing your soul or burning out in the process.If you're ready to elevate your leadership, expand your capacity, strengthen your relationships, tap into your deepest potential, and start living at a 10 out of 10… you're going to love this one.What does Happy Hustlin mean to you? Rudi remembers who you are and every day walking into a room purposefully, carefully, and calculatedly planning who do you want to be so that you have the highest potential of meeting that expectation.Connect with Rudihttps://www.facebook.com/RudiRiekstinshttps://www.instagram.com/rudiriekstins/https://www.youtube.com/@rudiriekstinshttps://www.linkedin.com/in/rudi-riekstins/Find Rudi on this website: https://rudiriekstins.com Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Coursehttps://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventurehttps://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsors:If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at bioptimizers.com/happy and use code HAPPY10 for 10% OFF.99 Designs- Need a killer logo, stunning website, or next-level brand design?Stop DIY-ing and start delegating like a boss with 99designs by Vista! Neurable- If you're looking to level up your focus, productivity, and mental wellbeing all at once, do yourself a favor and check out Neurable. You get a special hookup—just use the code HAPPY at checkout and get $100 off.

Listen to Buck & Aikman's call on the most unbelievable missed FG you'll ever hear as Koo kicked the ground, not the ball! Hear Coach Kafka's reaction to both that bizarre play and the massive sideline hit on Jaxson Dart. Plus, Cam Newton offers an unexpected comment on O.J. Simpson, "God rest his soul." Say what now?

Joe Ostrowski and Sam Panayotovich react to last night's Monday Night Football action which saw the Patriots roll 33-15 over the Giants. Plus, our beef with Mike Kafka, and Younghoe Koo, plus is Drake Maye worthy of now being MVP favorite? Then, NFL Writer for CBS Will Brinson stops by to talk all things NFL, including why Mike Vrabel should be the Coach of the Year, why we can't figure out the Panthers, and his feelings on this weekend's crucial Thursday Night Game between the Cowboys and Lions. The hour wraps with our NFL Survivor Pool Strategy for the upcoming weekend of action, including why they're staying away from Tampa Bay, can you trust the Seahawks in Atlanta, and how confident can you be in fading the Bears?

NFL Writer for CBS Will Brinson stops by to talk all things NFL, including why Mike Vrabel should be the Coach of the Year, why we can't figure out the Panthers, and his feelings on this weekend's crucial Thursday Night Game between the Cowboys and Lions.

Hour 4: Browns need a "leader" for next coach + 1st-round pick for Mike Tomlin? full 1705 Tue, 02 Dec 2025 14:55:29 +0000 2QVenHAxZV8CDjZUhxoJ2LTL3lN5PxcP sports The Ken Carman Show with Anthony Lima sports Hour 4: Browns need a "leader" for next coach + 1st-round pick for Mike Tomlin? The only place to talk about the Cleveland sports scene is with Ken Carman and Anthony Lima. The two guide listeners through the ups and downs of being a fan of the Browns, Cavaliers, Guardians and Ohio State Buckeyes in Northeast Ohio. They'll help you stay informed with breaking news, game coverage, and interviews with top personalities.Catch The Ken Carman Show with Anthony Lima live Monday through Friday (6 a.m. - 10 a.m ET) on 92.3 The Fan, the exclusive audio home of the Browns, or on the Audacy app. For more, follow the show on X @KenCarmanShow. 2024 © 2021 Audacy, Inc. Sports False https://playe

Ken Carman expresses his need for a "leader" as the Cleveland Browns' potential next head coach, before Anthony Lima proposes a deal to get Mike Tomlin as the Browns' next coach.

Mothers of estranged adult sons… When your son pulled away, did you ever wonder if there was more going on behind the scenes — Perhaps you sensed that your daughter-in-law was in the background weaving a web of lies and division. In this episode, I'm introducing you to a term I created: Estrangement-Oriented Manipulation (EOM). Not every daughter-in-law does this — many are blessings — but for those who engage in these patterns, the damage runs deep. I'll walk you through 7 signs of EOM, and share 3 powerful next steps you can take to steady your heart and fight back in a Christian way. Let's talk about it. . Next Steps: 1) Apply for your FREE consultation to talk to Jenny 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your son or daughter back in your life. And learn how estrangement coaching can get you there: www.theestrangedmomcoach.com/schedule    ⬇️ 2) Access your audio meditation to help you cast your anxieties and worries about estrangement at the feet of Jesus: https://www.theestrangedmomcoach.com/meditation   ⬇️ 3) Join the free Facebook support community for Christian estranged mothers: https://www.facebook.com/groups/christianestrangedmothers    ⬇️ 4) Download Your Free Guide Of What To Do When Your Adult Child Estranges: https://www.theestrangedmomcoach.com/child-estrangement-next-steps  . Client Reviews… ⭐⭐⭐⭐⭐  Jenny's teachings have produced results reconnecting me with my estranged daughter I cannot express enough gratitude for the incredible support and guidance received in the most tragic time of my life from coach Jenny Good. Her faith, compassion, understanding, dedication and display of radical love has truly been life-changing for me. I was so overwhelmed with feelings of confusion, guilt, and sadness. I felt lost and didn't know how to navigate through the emotional turmoil I was experiencing. However, from the very first call, Jenny created a safe and non-judgmental space for me to share my details. Her ability to listen attentively and empathize while helping me understand a different way of thinking is truly remarkable. She understood my feelings and offered tools each session in ways I have not experienced even from therapy. I am forever thankful for the medicine she has poured into me to be the very best version of myself! This has rippled into all areas of life for me. Jenny's teachings have produced results reconnecting me with my estranged daughter! Thank you for being the vessel of unwavering faith & love that so many of us could benefit from, estranged or not. A true Godsend.  - Melinda Wyman . ⭐⭐⭐⭐⭐ I am living a truly happy life, and I reconciled with my son  Having a coach and mentor who is rooted in Christ is very important. I've experienced so much inner healing with Jenny as my Coach. I am living a truly happy life, and I reconciled with my son! I feel empowered to continue stepping into my full power as a mother and to live a life where my children matter, but they don't determine my worth. I am me again. - Carol Adams

BYU football head coach Kalani Sitake is connected to the search with Penn State as one of the top candidates for the position. Will BYU be able to keep him? KSL Sports BYU Insider Mitch Harper analyzed the situation and shared his thoughts. Subscribe to the Cougar Tracks Podcast to stay up-to-date with all the daily episodes. Cougar Tracks is on YouTube and X every weekday at Noon (MT), and KSL NewsRadio at 6:30 p.m. (MT). Apple: https://podcasts.apple.com/us/podcast/cougar-tracks/id1146971609 YouTube Podcast: https://kslsports.com/category/podcast_results/?sid=2035&n=Cougar%20Tracks Spotify: https://open.spotify.com/show/2NCF1KecDsE2rB1zMuHhUh Download the KSL Sports app Google: https://play.google.com/store/apps/details?id=com.bonneville.kslsports&hl=en_US  iOS: https://apps.apple.com/us/app/ksl-sports/id143593

Andy and Randy chat about the reports that top QB recruit Jared Curtis will be committing to Vanderbilt and not Georgia.

Dirty Work Hour 2: The guy's break down the key takeaways from Kyle Shanahan's teleconference, discuss Shanahan's coaching job this season and if he could win Coach of the Year, and are later joined by Chris RoseSee omnystudio.com/listener for privacy information.

O Brasil, que já foi o país do futebol, hoje é o país dos influenciadores. Alguns se chamam até de Coach, ainda que não tenham nenhum tipo de curso ou certificação para isso. Ainda assim, é verdade que eles podem mesmo influenciar o consumo e até o comportamento das pessoas. No Método Exposto vamos examinar, questionar e refletir sobre ideias muito difundidas por eles sobre desenvolvimento profissional, pessoal e financeiro. Conceitos aparentemente simples, que supostamente servem pra todo mundo, mas que podem não funcionar pra você. E o pior… podem até te prejudicar. Episódio 12: É possível não se sentir enganado? Assine Audible grátis por 30 dias e ouça a segunda temporada do Método Exposto: https://www.audible.com.br/pd/Metodo-Exposto-Audiolivro/B0DCD2KG4S -- Este é um Original Audible.Produzido por: Audible Originals e B9 Escrito por: Bruno Bloch, Alexandre Potascheff e Alberto "Startup da Real" Brandão.No elenco:Jorge Lucas e Adassa MartinsAndre DaleAndre PellegrinoAdriano MartinsÉrida Castello BrancoMaíra Sá RibeiroProdução Executiva e Desenvolvimento Criativo Original Audible:Leo Neumann e Luiza MiguezProdução Executiva B9:Carlos Merigo Dirigido por: Alexandre PotascheffGravado por: Megaphone Studio Edição de Voz, Efeitos sonoros, Sound design, Edição, Mixagem e Masterização: Gabriel Pimentel Identidade Visual:Johnny Brito Time de Conteúdo Audible Brasil: Gerente sênior - Leo NeumannGerente - Luiza Miguez Desenvolvimento e Aquisição - Claudia EstevesAquisição - Camila LemeCoordenação - Giovana GarcezProdução - Fernando Schaer e Tim WarnerEstagiária de conteúdo - Ingrid Felix Líder de conteúdo LATAM: Paulo Lemgruber Gerente-geral Brasil: Adriana Alcântara Líder de Produção Audible Studios: Mike CharzukLíder global de marca e conteúdo: Susan Jurevics Consultoria de desenvolvimento de conteúdo: Isadora Dias Vieira Consultoria de finalização: Marianna Romano Copyright 2023 por Audible Originals

Welcome to Part 2 of the two-part Special Episode introducing my new release, “MA PETITE FLEUR STRING QUARTET”. This work transforms my jazz ballad into a lush classical string quartet piece. The work has been praised by a host of Classical Music Stars, all of whom are listed below. In Part 1 yesterday we listened to this new work. In Part 2 today we're going to introduce the incredible musicians who brought this piece to life.David Shenton is the genius arranger behind this work. David is an English pianist, violinist, composer and arranger. He started playing the violin at age 7 and he's composed hundreds of works from small piano pieces to full-length operas. Violinist Katie Thomas is a soloist, chamber musician, studio violinist and concert-mistress. She's played on Grammy winning albums and also recorded with artists like Rosanne Cash, The O'Jays, Jimmy Fallon and the animation series “Dragons”. Violinist Erica Dicker works in a wide variety of musical settings in both notated and improvised music. She is a member of the electro-acoustic trio Vaster Than Empires. She is also a founding member of the horn-trio Kylwyria. And she's known for her work with composer and multi-instrumentalist Anthony Braxton.J.J. Johnson has been the violist at Radio City Music Hall. His Broadway musical experience has included On The Town, Cats, Fiddler On The Roof, An American In Paris, Wicked, My Fair Lady, and Sunset Boulevard. He has also appeared on the Late Show with David Letterman. Dave Eggar is a Rock Star cellist who recently was a guest on the podcast. He's a 5x Grammy nominee. He's worked with Paul Simon, John Legend, Norah Jones, Foreigner, Josh Groban and Train. And it's his cello that opens Coldplay's massive hit "Viva La Vida".CLICK HERE FOR THE OFFICIAL VIDEOCLICK HERE FOR ALL LINKS----------------------------------------------------------Praised by:Steven Beck - Concert PianistJeffrey Biegel - Concert PianistMarina Chiche - Concert ViolinistJoAnn Falletta - Conductor, Buffalo PhilharmonicYolanda Kondonassis - Concert HarpistShawn Okpebholo - ComposerAmit Peled - Concert CellistLucas Richman - Conductor, Bangor SymphonyLlewellyn Sanchez-Werner - Concert PianistJason Vieaux, Classical Guitarist—-----------------------------------------------------------The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries!Click here for All Episodes Click here for Guest List Click here for Guest Groupings Click here for Guest TestimonialsClick here to Subscribe Click here to receive our Email UpdatesClick here to Rate and Review the podcastClick here for Robert's “Dream Inspire” App—----------------------------------------ROBERT'S NEW “DREAM INSPIRE” APPYour personalized Coach to Motivate, Pursue and Succeed at Your DreamCLICK HERE—----------------------------------------ROBERT'S LATEST SINGLE:“MI CACHIMBER” is Robert's latest single. It's Robert's tribute to his father who played the trumpet and loved Latin music.. Featuring world class guest artists Benny Benack III and Dave Smith on flugelhornCLICK HERE FOR YOUTUBE LINKCLICK HERE FOR ALL LINKS—--------------------------------------ROBERT'S LATEST ALBUM:“WHAT'S UP!” is Robert's latest compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)”CLICK HERE FOR THE OFFICIAL VIDEOCLICK HERE FOR ALL LINKS—----------------------------------------Audio production:Jimmy RavenscroftKymera Films Connect with the Follow Your Dream Podcast:Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com Follow Robert's band, Project Grand Slam, and his music:Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com 

Welcome back to the show where we help financial advisors build efficient, profitable, and deeply human advisory firms. In this episode, Libby dives into the heart of creating a scalable and sustainable client service model. She breaks down the mindset shifts advisors need, the math behind revenue per hour, how to segment your book intentionally, and why aligning your service model with profitability is the key to delivering exceptional client experiences. This is a thoughtful, practical, and empowering conversation to help you reshape your ongoing service in a way that benefits you, your team, and your clients.What you'll learn in this episode: • Why advisors struggle with mental blocks around pricing, fees, and client segmentation  • How to calculate your true revenue per hour and use it to make better capacity decisions • A step-by-step process for segmenting clients and defining aligned service levels • How to avoid client subsidization and ensure each household is serviced profitably • Ways to right-size service for clients who don't meet your hourly rate, without sacrificing care or professionalism As Libby walks through each step, you'll gain clarity, confidence, and a practical roadmap to redesign your client service model so you can serve clients exceptionally well without overwhelming your team. This episode will help you work smarter, stay focused on what matters, and build a practice you love managing every single day ✨.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In this episode, Mariana Lacombe joins us for an insightful conversation on unlocking your success and wealth as a coach through consciousness, mindset, and identity.She takes us back to the moment she knew she was meant to coach, how dreams carry information, and what it really takes to bring those dreams into reality. We also explore how to break free from the employee mindset that keeps so many coaches stuck.As a business owner and expert, alignment starts with your money beliefs, your worth, and building a business that truly works for you. Your wealth consciousness becomes the foundation for the abundance you're ready to receive.Tune in this episode of The Coaching Equation - Revisiting: Unlocking Wealth Consciousness: Build Financial Success as a Coach with Mariana LacombeEnjoy the podcast? Subscribe and leave a 5-star review!Mariana Lacombe knows what it feels like to be overworked, stuck in a cycle of hustle, and wondering if there's a better way. After years of building and refining her own business, she has learned how to break free from the overwhelm and create a life of harmony and financial freedom—and now she helps others create businesses that work for you, not the other way around. As a seasoned business strategist, Mariana combines systemic practices, quantum principles, and leadership strategies to help you simplify the complex, achieve lasting wealth, and build a business that works for you. Her mission is to empower you to reclaim your time, align with your vision, and create a legacy of impact—without sacrificing what matters most.Connect with Mariana Lacombe!Website: https://www.marianalacombe.com/  Instagram: https://www.instagram.com/mariana.lacombe/  LinkedIn: https://www.linkedin.com/in/marianalacombe/ Facebook: https://www.facebook.com/marianablacombe/ Ryan Lang is the CEO of EMPIRE Partners and a highly sought-after performance coach and consultant. He helps establish business owners, coaches, and thought leaders transform from elite practitioners to transformational leaders by building businesses on five critical pillars instead of one wobbly leg. Over 20 years, he has guided 1000+ professionals to predictable, profitable growth using his Whole Performance Coaching methodology—combining sales mastery, strategic marketing, and human optimization principles that create lasting stability.Connect with Ryan Lang!Website: https://www.ryanrlang.com/ Instagram: https://www.instagram.com/realryanlang/ LinkedIn: https://www.linkedin.com/in/ryan-lang-b46a545b/ Facebook: https://www.facebook.com/ryan.lang.984 Learn more about Empire Partners: Website: https://empirepartners.net/ LinkedIn: https://www.linkedin.com/company/empire-partners/Facebook: https://www.facebook.com/profile.php?id=100093312203714 #WealthConsciousness #MindsetForSuccess #Coac

Fran Tarkenton is a legendary former NFL quarterback and entrepreneur. He is the founder of pipIQ, a private intelligence platform that provides businesses with secure, private AI to deliver practical, real-world benefits. Learn more at pipiq.com. Follow him on Instagram @the_fran_tarkenton and on Facebook at Fran Tarkenton 10 for updates and insights.IN THE NEWS: FDA claims Covid vaccine killed 10 children, an Indiana senator calls out Trump for using the word “reta*d”, Trump pushes for return of “Rush Hour” franchise, and Michelle Obama accused of taking Ozempic.Get it on.Subscribe to The Adam Carolla Show on Substack: https://adamcarolla.substack.com/FOR MORE WITH FRAN TARKENTON:WEBSITE: pipiq.comINSTAGRAM: @ the_fran_tarkentonFACEBOOK: FranTarkenton10FOR MORE WITH MIKE DAWSON: INSTAGRAM & TWITTER: @dawsangelesSTAND UP: Delirious Comedy Club at Silver Sevens Casino - December 4-7 Thank you for supporting our sponsors:BetOnlineAmerican Financing - NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-889-5154 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Adam. 866-889-5154BetterHelp.com/CAROLLAoreillyauto.com/ADAMPluto.tvSIMPLISAFE.COM/ADAMTRA.comF*%k your khakis and get The Perfect Jean 15% off with the code Adam15 at theperfectjean.nyc/Adam15 #theperfectjeanpodLIVE SHOWS: December 5 - Santa Barbara, CADecember 6 - Corona, CADecember 11 - Fort Lauderdale, FLDecember 12 - Miami, FL (2 shows)December 13 - Miami, FL (2 shows)December 14 - Fort Lauderdale, FLSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of “Fearless,” Jason Whitlock discusses Lane Kiffin's decision to leave Ole Miss for the head coaching position at LSU and why Kiffin is similar to Shedeur Sanders in the way he flaunts his privilege. Whitlock also breaks down how Kiffin's fans treat him the same way they treat Deion Sanders, refusing to acknowledge that their idols can do wrong. Whitlock then breaks down his 10 NFL Truths, covering why Shedeur Sanders is such a terrible leader; how Bryce Young proves why you shouldn't pamper quarterbacks; why the reality of the last four years should not distort the greatness of Aaron Rodgers; and more. Steve Kim and T.J. Moe join the show to talk about why Shedeur Sanders fails to lead his team; Bryce Young's impressive performance in the Panthers' 31-28 win over the Rams; and Deion Sanders committing to turning the University of Colorado football team around. Thought-provoking show today; don't miss it! ​​Today's Sponsors: PreBorn This Christmas, you can help save a life for only $28. PreBorn's mission is to offer women the courage, faith, and support they need to choose life—a life that has the potential to change the world. Pick up your phone, dial #250 and say “Baby.” Or donate securely at https://PreBorn.com/FEARLESS. Do it now—because life matters. Craftco Flying Ace Whether you're winding down after a long day or raising a glass with good company, Flying Ace delivers every time. It's not about hype—it's about heritage, and getting back to what bourbon was always supposed to be. If that sounds like your kind of pour, it's time to level up. Buy online at https://flyingacespirits.com and use code BLAZE for free shipping. SHOW OUTLINE 00:00 - Intro Want more Fearless content? Subscribe to Jason Whitlock Harmony for a biblical perspective on everyday issues at https://www.youtube.com/@JasonWhitlockHarmony?sub_confirmation=1 Jeffery Steele and Jason Whitlock welcome musical guests for unique interviews and performances that you won't want to miss! Subscribe to https://youtube.com/@JasonWhitlockBYOG?sub_confirmation=1  We want to hear from the Fearless Army!! Join the conversation in the show chat, leave a comment or email Jason at FearlessBlazeShow@gmail.com Get 10% off Blaze swag by using code Fearless10 at https://shop.blazemedia.com/fearless Make yourself an official member of the “Fearless Army!” Support Conservative Voices! Subscribe to BlazeTV at https://www.fearlessmission.com and get $20 off your yearly subscription. Visit https://TheBlaze.com. Explore the all-new ad-free experience and see for yourself how we're standing up against suppression and prioritizing independent journalism. CLICK HERE to Subscribe to Jason Whitlock's YouTube: https://bit.ly/3jFL36G CLICK HERE to Listen to Jason Whitlock's podcast: https://apple.co/3zHaeLTCLICK HERE to Follow Jason Whitlock on X: https://bit.ly/3hvSjiJ Learn more about your ad choices. Visit megaphone.fm/adchoices

With mastermind season here and more coaches than ever, most people choose based on shiny marketing and end up disappointed (or worse). In this episode, I share the painful $74,000 mastermind mistake Lori and I made 8–9 years ago and the lessons it taught us about how to choose the right mentor, the right mastermind, and the right room. I also break down the three questions I now use to separate real operators from the scammers and the inexperienced. Tune in to learn why retention rates are the ultimate truth serum, why you must talk to both current AND former members, and how to dramatically increase your odds of a massive ROI on your next coaching investment.   HIGHLIGHTS The $74,000 mastermind disaster that taught me everything I would never do. Why flashy stages and big social followings are terrible indicators. The 3 make-or-break questions to ask every coach or mastermind leader. The exact two references you must demand. How Lori and I turned our worst investment into highly retained masterminds.   RESOURCES Apply for our Elite Entrepreneur Mastermind HERE Get on the waitlist for MCM Mastermind HERE Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Lori: @loriharder Frello: @frello_app

While the jury is still out on Sam Darnold, it is not on Mike Macdonald. Brock and Salk dive in on him being the incredible coach that he is and the home run hire that the Seahawks made with him. Later, they get into all of their Seahawks Takeaways.

In this episode we speak with Nicolas Thompson -CEO of The Atlantic and author of the book, 'The Running Ground -A Father, A Son, and the Simplest of Sports'. Hear his reflection on how running helped him amid personal crises; getting faster after 40; and how he finds time to fit running into his day. [powerpress] [box] Links Mentioned in This Episode Run Coaching. Work with an expert MTA running Coach. Altra Running -Altra shoes are designed to fit the natural shape of feet with room for your toes, for comfort, balance, and strength. So you focus on what really matters:  Getting out there. IQBAR brain and body-boosting bars, hydration mixes, and mushroom coffees. Their Ultimate Sampler Pack includes all three! Get 20% off plus FREE shipping. Just text “MTA” to 64000. MetPro.co -For the first time ever, MetPro is offering MTA listeners a full 30-day experience for just $95 with absolutely no strings attached! See what it's like working with your own metabolic coach. Limited to the first 30 people. [/box] Nicholas Thompson (born 1975) is an American technology journalist, author, and media executive. He has been the chief executive officer of the American magazine The Atlantic since February 2021. Thompson previously worked as editor-in-chief of Wired and The New Yorker's website. He is the author of two non-fiction books, is a contributor for CBS News, and regularly appears on CBS This Morning and CBSN. Thompson competed in running as both a high school student and briefly on his college team at Stanford. In 2021, Thompson set the American 45-49 age-group record at the 50-kilometer distance after running 3:04:36 at the Brooks Row River 50K in Oregon. As of 2025, he had completed the New York City Marathon 12 times, running his fastest time of 2:29 at the age of 44.

In today's episode of Backpacker Radio presented by The Trek, brought to you by LMNT, we're joined by Gabe Vasquez, known on trail as "Wing It." Gabe is a U.S. Marine Corps combat veteran, long-distance kayaker and cyclist, and the first known Mexican-American to complete the Triple Crown.  Gabe opens up about his time in the Marines and the challenges that followed- PTSD, becoming addicted to prescription meds to manage the PTSD in addition to anxiety and depression, losing friends to suicide after their service, and night terrors. In his efforts to heal, Gabe turned to adventure. He began by paddling the Mississippi with a friend, then took on a PCT thru-hike, followed by eight consecutive years of long-distance backpacking, paddling, and cycling. Gabe shares how that time in nature helped him reclaim his peace, and why he's happier today than he's ever been. Worth noting- this episode includes graphic descriptions of PTSD and suicide. If these topics are sensitive or triggering for you, please take care while listening. We wrap the show with news of a pair of fatal bear attacks near the Ozark Highlands Trail, a partially blind grandmother who thru-hiked the PCT- averaging nearly 40 miles a day in the process, the definitive etiquette around holding doors for strangers, and the triple crown of the worst phrases and expressions. LMNT: Get a free sample pack with any order at drinklmnt.com/trek. Gossamer Gear: Check out the Type II collection at gossamergear.com.  [divider] Interview with Gabe "Wing It" Vasquez Gabe's Instagram Tommy Corey's Video with Gabe Semper Fi Fundraiser Time stamps & Questions 00:05:20 - Reminders: Apply to blog for the Trek, subscribe to our Youtube channel, and listen to our episodes ad-free on Patreon! 00:12:45 - Introducing Gabe 00:16:10 - What was it like to join the Marines? 00:22:45 - What was your specific job like in the Marines? 00:23:30 - Tell us about your deployments 00:29:20 - What was the vibe like in that sort of environment? 00:33:37 - Did you know you were actively pushing things down at the time? 00:35:06 - What was the comedown like when returning from a deployment? 00:36:40 - At what point did you seek professional help? 00:38:30 - How did the PTSD show up for you? 00:42:35 - How did you know you needed to get off the meds? 00:49:30 - How did you transition from experiencing these symptoms to advocating for others? 00:56:04 - How did you decide to kayak the Mississippi River? 00:59:20 - Did you feel a sense of accomplishment after the kayak trip? 01:09:20 - Did you go into the PCT excited to hike it? 01:13:20 - At what point did being in nature start to click for you? 01:14:45 - Knowing what you know now, would you still have joined the Marines? 01:17:22 - At what point did the nightmares subside or improve? 01:20:00 - Have you met other veterans on trail? 01:22:40 - Do you have a lot of people reaching out to you? 01:25:00 - Is the period between adventures extra tough for you? 01:26:30 - Are you trying to do all Seven Summits? 01:27:55 - Was it weird with the PCT being so white? 01:36:15 - Do you have favorite summit music? 01:37:26 - What are some of your favorite trail angel stories? 01:40:00 - What's a typical MRE meal like? 01:41:30 - What drew you to the bike after the PCT? 01:46:30 - What are the pros and cons of long distance cycling over thru-hiking? 01:50:50 - Fuck Marry Kill: cycling, paddling, and hiking 01:54:10 - What did it feel like to complete the Triple Crown? 01:58:00 - Discussion about LNT 01:59:20 - What other hot takes do you have? 02:05:20 - What other gear do you like? 02:10:16 - Tell us about almost getting arrested in Egypt 02:19:05 - Do you worry that drugs could trigger PTSD? 02:26:00 - What's your favorite trail or trail story? 02:28:35 - Do unrealistic war movies bother you? 02:30:55 - Stay Salty Question: What's one piece of advice you'd like to give? Segments Trek Propaganda 2 Fatal Bear Attacks in Past 6 Weeks Near Ozark Highlands Trail in Arkansas by JT Simmons Partially Blind Grandmother Thru-Hikes PCT in Under 70 Days by Katie Jackson QOTD: What's the proper distance to hold a door for someone? Triple Crown of the worst expressions/phrases Mail Bag [divider] Check out our sound guy @my_boy_pauly/ and his coffee. Sign up for the Trek's newsletter Leave us a voicemail! Subscribe to this podcast on iTunes (and please leave us a review)!  Find us on Spotify, Stitcher, and Google Play. Support us on Patreon to get bonus content. Advertise on Backpacker Radio Follow The Trek, Chaunce, Badger, and Trail Correspondents on Instagram. Follow Backpacker Radio, The Trek and Chaunce on YouTube. Follow Backpacker Radio on Tik Tok.  Our theme song is Walking Slow by Animal Years. A super big thank you to our Chuck Norris Award winner(s) from Patreon: Alex and Misty with NavigatorsCrafting, Alex Kindle, Andrew, Austen McDaniel, Bill Jensen, Brad & Blair Thirteen Adventures, Bret Mullins aka Cruizy, Bryan Alsop, Carl Lobstah Houde, Christopher Marshburn, Clint Sitler, Coach from Marion Outdoors, Eric Casper, Erik Hofmann, Ethan Harwell, Gillian Daniels, Greg Knight, Greg Martin, Griffin Haywood, Hailey Buckingham, Jason Kiser, Krystyn Bell, Matt from Gilbert, AZ, Patrick Cianciolo, Randy Sutherland, Rebecca Brave, Rural Juror, Sawyer Products, SPAM, The Saint Louis Shaman, Timothy Hahn, Tracy 'Trigger' Fawns A big thank you to our Cinnamon Connection Champions from Patreon: Bells, Benjy Lowry, Bonnie Ackerman, Brett Vandiver, Chris Pyle, David, David Neal, Dcnerdlet, Denise Krekeler, Jack Greene, Jeanie, Jeanne Latshaw, Luke Netjes, Merle Watkins, Peter, Quenten Jones, Ruth S, Salt Stain, and Spencer Hinson.

This is a free preview of a paid episode. To hear more, visit www.splitzoneduo.comSUBSCRIBER EPISODE: Richard spent Sunday on his phone, gathering information on the day's many college football coach hirings and firings. This episode takes you through Richard's day of reporting. Alex joins him to discuss a bunch of moves: * Lane Kiffin heads to LSU, and Ole Miss replaces him swiftly with the internal succession option we talked about a few weeks ago: Pete Golding * The argument between Kiffin and Ole Miss at the end, Kiffin's efforts to own the narrative, and how much of this is his doing vs. the calendar's * Florida hires Jon Sumrall, who's technically a consolation prize but brings a lot more to the table than many Florida fans realize * Auburn, after weeks of pursuing Sumrall, winds up not with DJ Durkin but with Alex Golesh. But did Durkin play a role in how it shook out? * Arkansas gets Ryan Silverfield, angering Hogs fans but not Memphis fans* Michigan State fires Jonathan Smith and moves quickly to replace him with Pat Fitzgerald, in a sequence that looks like a set piece * Recapping some hires at Oklahoma State, Stanford, Colorado State, and Oregon State, while other jobs wait to be filled * Penn State's search is quieter than a whisper, but it's getting down to two options: Hire a coordinator, or take a big swing on a mystery man. If there's a mystery man, is he coaching a conference championship game? It's a great time to subscribe to Split Zone Duo Our coach carousel episodes, including this one, go behind the $10 monthly paywall for subscribers. If you're looking for a mix of reporting and longer-form discussions about the coach movements that shape the sport, we'd love to have you. Everyone can listen to a free preview of this episode, of course. Further listening from us * Alex's solo episode about DJ Durkin's time at Maryland. For a limited time, we've pulled this 2024 episode out from behind the paywall. If you've ever wondered why this podcast talks about Durkin in a certain way, and what his story has to do with CFB media, this will be the episode for you. * The Week 14 Sunday Hurry-Up, presented by Dad Water.

If you need to get into shape and don't know how, listen to Coach Seiji and Keefer break down some of the fundamentals of basic fitness for motocross riders over the age 40. Seiji also breaks down how to start a training program if you're a blue collar worker and what some of the myths are around training. If you're looking to get some knowledge to be stronger on the track or just want to here Andrew Short stories, this episode is a must.

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

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It's Merciless Monday on The Coach JB Show with Big Smitty as Super Bowl Champion Shaun King joins to react to Shedeur Sanders' PERFORMANCE In The Browns' LOSS vs. 49ers, & to breakdown the TRUTH about Lane Kiffin LEAVING Ole Miss for LSU... Super Bowl Champion & Utah Alum Eric Weddle joins to respond to the Rams LOSS vs. Panthers... Former NFL WR & Northeastern State Head Coach Darrin Chiaverini joins to talk Colorado Buffaloes Football... Former Director of Player Personnel for Ole Miss & Alabama Tyler Siskey joins the show to discuss LSU Hiring Lane Kiffin... Join us for this MERCILESS Monday on The REALEST Show on Planet ERF! Like, Comment, and Subscribe! The Coach JB Show with Big Smitty is the realest sports show on Planet ERF! We discuss what other talk shows & debate shows refuse to discuss! We are LIVE 3 hours a day from 6-9am pacific with the realest guests on Planet ERF! Coach Jason Brown is the star of the hit Netflix series "Last Chance U", master motivator, and legendary JUCO football coach!! Darnell Smith Fox Sports very own, Ball State Alum, and Nap towns finest! Merciless Monday | Talk that Talk Tuesday | Work-Boot Wednesday | Truth Telling Thursday's | Free Game Friday Matt McChesney on Monday/Friday Steve Kim on Tuesday/Thursday Shaun King - Former NFL QB Monday/Wednesday/Friday Live M-F 6am-9am PST. Subscribe and become a member today, $2.99 for general membership or $5.99 to join Slap Nation and get access to the exclusive Coach's Crew group Chat!! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After celebrating the Jets' clutch win with Nick Folk and Tyrod Taylor, the debate ignites over a potential Mike Tomlin-to-Giants coaching swap, with Boomer vehemently opposing the move. The guys then dive into NFL controversies: Aaron Rodgers calling out his receivers, shocking comments about Lane Kiffin, a Browns player's vulgar insult, a punter's death threat, and Cam Heyward's cheap shot accusation against Josh Allen. Boomer makes a strong case for his defensive juggernaut team that can beat anyone, Jerry Jones' outrageous price tag for Micah Parsons is revealed, and we have explosive Mets clubhouse drama involving Francisco Lindor and Juan Soto, plus the unforgettable Moment of the Day featuring Gio doing Sean McVay talking about "porn addiction."

➡️ Want To Learn More About Partnering With Me at eXp (Get all my Training & Coaching For Free) Schedule a Zero Pressure, Fully Confidential Zoom Call with me: https://go.oncehub.com/PartnerwithJoshuaSmithGSD   ➡️ Connect With Me On Social Media: Facebook: https://www.facebook.com/JoshuaSmithGSD Instagram: https://instagram.com/joshuasmithgsd/   About Joshua Smith: -Licensed Realtor/Team Leader Since 2005 -Voted 30th Top Realtor in America by The Wall Street Journal -NAR "30 Under 30" Finalist -Named Top 100 Most Influential People In Real Estate -Top 1% of Realtors/Team Leaders Worldwide -6000+ Homes Sold & Currently Selling 1+ Homes Daily -Featured In: Forbes, Wall Street Journal, Inman & Realtor Magazine -Realtor, Team Leader, Coach, Mentor

When Lew Frankfort joined Coach in 1979, he knew nothing about fashion but he understood people. That skill became the foundation of his leadership and the reason he transformed Coach from a small, overlooked accessories brand into a global powerhouse. In this episode, Lew shares the interview strategy he's refined over decades and written up in his new book Bag Man. He breaks down the questions he asks, the tests he uses, and the surprising single trait he believes matters more than experience or résumé. Learn more about your ad choices. Visit megaphone.fm/adchoices

Wondering why can't your teen girl keep herself organized? Frustrated by her lack of skills in areas you know your teenage daughter should already know? Dr Anna Levy-Warren, clinical psychologist, founder of Organizational Tutors and mom of teens, talks about navigating the teen years: executive functioning-based strategies for thriving through more freedom and independence and less structure, while also developing a deeper family connection and better communication.   You can find Dr. Anna Levy-Warren here. Anna Levy-Warren is the Founder and Chief Executive Officer of Organizational Tutors. With over 20 years of experience in the field of psychology including a PhD in Clinical Psychology, Anna is a leader in the field addressing executive functioning challenges in students of all ages. With an expert understanding of diverse learning profiles and first-hand experience as a parent, Anna brings to Organizational Tutors a unique combination of clinical experience and a passion for empowering learners to develop skills to excel in all aspects of their lives. In 2005, Anna established a network of experts with advanced degrees in cognition and education to help students and adults with executive functioning difficulties and other complex learning profiles. The student-centered aspects of this network came to be known as Organizational Tutors in 2014. Are you looking for ways to communicate with your girl so she can start opening up to you? Do you want to understand why is it so hard to approach your girl? Are you stuck on how to approach your teenage daughter in conversation without her freaking out?   SIGN UP FOR TALK TO YOUR TEEN GIRL FRAMEWORK!!  A 6-WEEK JOURNEY TO SHIFT HOW YOU COMMUNICATE SO SHE CAN COME TO YOU!   You'll walk away with a deeper understanding the changes happening to your girl, Equipped in your new role as COACH in this teen stage, and establish better communication pathways to connect and grow closer with your daughter   Imagine if you and your daughter can finally have conversations at a level where she doesn't need to hide anything from you! Plus, you'll get to meet other mamas who are all in the same boat.... SIGN UP HERE!      You can find me here: Work with me:  www.talktyourteengirl.com Connect: hello@jeanniebaldomero.com Instagram:   https://www.instagram.com/raisingherconfidently Free mom support community: www.raisingherconfidently.com

Smoke surrounding Kalani Sitake and Penn State Sports Roulette Final thoughts

Is your inner critic and self-talk full of negations, blame, and "shoulds"? That's conflict language, and it keeps you small. Coach Jason breaks down the four pillars of self-sabotaging speech and how to transform them into architect language that builds a stronger future. Learn how to stop being a victim (projections) and embrace accountability (reflections). Master the shift from powerless language ("I have to") to an empowering choice ("I get to") to reduce stress, strengthen your self-trust, and eliminate ambiguity in your life.   Download my FREE guide: The Alcohol Freedom Formula For Over 30s Entrepreneurs & High Performers: https://social.alcoholfreelifestyle.com/podcast ★ - Learn more about Project 90: www.alcoholfreelifestyle.com/Project90 ★ - (Accountability & Support) Speak verbally to a certified Alcohol-Free Lifestyle coach to see if, or how, we could support you having a better relationship with alcohol: https://www.alcoholfreelifestyle.com/schedule ★ - The wait is over – My new book "CLEAR" is now available. Get your copy here: https://www.alcoholfreelifestyle.com/clear

Join coaches Bran Erwin and Bob Shipley with host Bobby Burton for an in-depth discussion on Texas' crucial win over Texas A&M. Explore how the Longhorns turned the season around with this rivalry victory. Delve into the pivotal plays, strategic adjustments, and standout performances that defined the game. The coaches also discuss the implications for Texas' future, including recruiting momentum and prospects for the upcoming seasons. #HookEm #TexasFootball #RivalryWin   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Happy Victory Monday!! The Best Victory Monday in a long time!! Ohio State dominates TTUN and Ryan Day comes full circle. Hear from the Coach and the players after the win. Also hear from both coaches in the Big Ten Championship Game as the Buckeyes take on Indiana. The College Football Coaching Carousel was wild over the weekend. Good luck figuring out what is going to happen at the bottom of the CFP. We discuss the biggest threat to Ohio State. Austin Ward, Shelley Time with Jody Shelley, What's Up, Thing or Not a Thing, Buckeye Blitz and 3 Things

Tosin and Coach round up the Top 5 leagues in Europe starting off with the:English Premier League including:Chelsea 1 - 1 ArsenalCrystal Palace 1- 2 Man UtdSunderland 3-2 Bournemouth  and the rest of the weekends fixtures Serie A: Milan 1 - 0 Lazio Juve 2 -1 CagliariPisa 0 -2 InterAtalanta 2 -0 Fiorentina Roma 0 -1 Napoli La LigaBarcelona 3-1 AlavesLevante 0 -2 Bilbao Atleti 2 - 0 Real OviedoReal Sociedad 2 - 3 VillarrealGirona 1 - 1 Real MadridBundesliga Leverkusen 1 - 2  Dortmund Bayern 3 -1 St Pauli Ligue 1Monaco 1- PSG 0Marseille 2 - 2 ToulouseStrasbourg 1- 2 Brest Lorient 3- 1 NiceAngers 1- 2 Le Harve 0- 1 LilleLyon 3- 0 NantesWe discuss some other happenings including our Winners and Losers.Tap In!

In this episode, we dive into hand signals from not only the setter but the coach and other players as well. Then we transition to verbal cues and how you can use verbal cues to communicate effectively with your players and avoid having to burn unnecessary timeouts. In this episode we cover: 10 different hand signals  Different positions that have different purposes  Play calling  Verbal cues and how to create them  And much more Click here to join Digital Volleyball Academy - www.digitalvolleyballacademy.com Click here to join my workshop - www.volleyballworkshop.com Reach out to me via Instagram @BrianSingh_CoachB

Your business can't outgrow the identity you're stuck in.In this episode, Bernie Cesareo reveals the mindset and identity shifts that transformed his life, his confidence, and his STR businesses — from shrinking portfolios to scaling multiple companies with clarity and purpose.This episode breaks down the real reason most hosts stay stuck, how to think and act like a CEO, and the inner work required to grow a business that matches the life you want.Inside this episode:• The identity upgrade that changed Bernie's life• How self-image controls your STR results• Why talking about your vision attracts the right people• The shift from operator → leader → CEO• How Bernie built multiple businesses by delegating• Why gratitude, belief, and clarity fuel massive growth00:01:12 – Bernie's Big Mindset Shift: Stop Doing Everything Yourself00:04:07 – “Assume the Wish Fulfilled”: Rewriting Your Identity00:08:10 – Manifesting the Dream Jeep: Breaking 30 Years of Beliefs00:11:20 – Running Multiple STR Businesses Through Identity Upgrades00:14:36 – Lifestyle Freedom: Why Bernie Never Misses His Son's Games00:17:00 – The Elder-Care Village Vision: Thinking Bigger Than STR00:20:12 – From Player to Coach to CEO: Letting Go of Control00:24:18 – Correcting Systems, Not People: Real Leadership00:28:55 – How Speaking Your Vision Attracts the Right Opportunities00:33:42 – Gratitude, Belief, and the Identity That Builds Your FutureGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com/

Divorce is difficult, no matter how you look at it. But what if you could come out of the process with a positivity and an outlook that would put you in a better place for both financial and emotional success? That's what Meagan Norris is offering. Meagan is a divorce coach. And she's been helping women reshape the narrative and succeed. For more information, you can check out her website, or follow her on Instagram.

Most coaches know their clients need more than generic advice, but few realize how dramatically advanced at-home lab testing can transform their practice.   In today's episode, Dr. Cabral breaks down exactly how to integrate advanced integrative health testing into your practice to get faster results, deeper client trust, and more predictable outcomes.   You'll learn: • Which labs give you the clearest picture of gut health, hormones, stress, inflammation, and nutrient deficiencies  • How to use these results to create personalized protocols your clients actually follow  • Why lab-driven coaching leads to higher retention, better compliance, and significantly greater client transformations  • The biggest mistakes coaches make when introducing lab testing—and how to avoid them  • How adding even one lab test can 2–3x the value you deliver in every session   If you've ever felt limited by wanting deeper knowledge of a clients underlying root causes, this episode shows you how to elevate your coaching, deepen your testing, and stand out as a truly results-driven practitioner!   Tune into Integrative #healthCoachSuccess episode 414 to learn more about how to use advanced lab testing in your practice - Enjoy the show. - - -   Listen or Watch At:  IHP.Coach/414   - - - Dr. Cabral's Book, The Rain Barrel Effect: https://amzn.to/2H0W7Ge - - - Become an Integrative Health Practitioner: https://integrativehealthpractitioner.org  

Welcome to Part 1 of a two-part Special Episode introducing my new release, “MA PETITE FLEUR STRING QUARTET”. This work transforms my jazz ballad into a lush classical string quartet piece. I'm pleased to say that the work has been praised by all of the Classical Music Stars listed below. In Part 1 today we're going to listen to this new work. In Part 2 tomorrow we're going to introduce the incredible musicians who brought this piece to life.But first, here's the back story.Last year, following my podcast interview with Michael Abene, Grammy award winning big band arranger, I asked him if he would create a new arrangement of my jazz ballad, “The Gift”. Michael agreed and transformed my song into an extraordinary big band Samba. My band mates and I were the rhythm section on the recording. Spotify link.I then got the idea to take another of my jazz ballads and have it arranged into a classical string quartet piece. I was introduced to David Shenton, a genius arranger, who took my song, “Ma Petite Fleur” - my little flower - and arranged it as a classical string quartet piece inspired by my song. He then brought in four world class musicians to record the work.With this as the back story, please listen now to “MA PETITE FLEUR STRING QUARTET”.CLICK HERE FOR THE OFFICIAL VIDEOCLICK HERE FOR ALL LINKS--------------------------------------------------------Praised by:Steven Beck - Concert PianistJeffrey Biegel - Concert PianistMarina Chiche - Classical ViolinistJoAnn Falletta - Conductor, Buffalo PhilharmonicYolanda Kondonassis - Concert HarpistShawn Okpebholo - ComposerAmit Peled - Concert CellistLucas Richman - Conductor, Bangor SymphonyLlewellyn Sanchez-Werner - Concert PianistJason Vieaux - Classical Guitarist—-----------------------------------------------------------The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries!Click here for All Episodes Click here for Guest List Click here for Guest Groupings Click here for Guest TestimonialsClick here to Subscribe Click here to receive our Email UpdatesClick here to Rate and Review the podcastClick here for Robert's “Dream Inspire” App—----------------------------------------ROBERT'S NEW “DREAM INSPIRE” APPYour personalized Coach to Motivate, Pursue and Succeed at Your DreamCLICK HERE—----------------------------------------ROBERT'S LATEST SINGLE:“MI CACHIMBER” is Robert's latest single. It's Robert's tribute to his father who played the trumpet and loved Latin music.. Featuring world class guest artists Benny Benack III and Dave Smith on flugelhornCLICK HERE FOR YOUTUBE LINKCLICK HERE FOR ALL LINKS—--------------------------------------ROBERT'S LATEST ALBUM:“WHAT'S UP!” is Robert's latest compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)”CLICK HERE FOR THE OFFICIAL VIDEOCLICK HERE FOR ALL LINKS—----------------------------------------Audio production:Jimmy RavenscroftKymera Films Connect with the Follow Your Dream Podcast:Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com Follow Robert's band, Project Grand Slam, and his music:Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com  

How do you coach someone who only seems to do the bare minimum… even when you know they're capable of so much more? In this episode of Remarkable TV and The Remarkable Leadership Podcast, I share seven practical steps to help you coach, support, and clarify expectations for team members who may be meeting the minimum — but could be achieving more. You'll learn: ✔ Why expectations are almost always misunderstood ✔ How to explore their perspective before offering your perspective ✔ Why "minimum" might not mean what you think ✔ How to help people see the potential you see in them ✔ When to coach, when to support, and when to let it go If you're a leader who wants to help your people grow — especially new or frontline leaders — this episode will give you a simple framework to start the right conversations. Learn more about our From Bud to Boss leadership development resources here: https://kevineikenberry.com/budtoboss  My name is Kevin Eikenberry and I'm here to help you reach your goal as a leader and a human being with Remarkable TV and the Remarkable Leadership Podcast. I am also the Chief Potential Officer of The Kevin Eikenberry Group. We provide speaking, training, consulting, and coaching services to organizations who believe in investing in their most valuable assets – their people. Whether we are leading a training workshop, speaking to a group, facilitating a planning meeting, consulting with a leadership team, helping with team building, writing or developing products, our vision will be clear in everything we do – We want to be Your Leadership Help Button. Learn more about our offerings: ➡️ FREE NEWSLETTERs: Sign up for any of our newsletters: https://kevineikenberry.com/newsletters ➡️ LEADERSHIP WORKSHOPS: Sign up for any of our online workshops to help you become a better leader: https://kevineikenberry.com/store/?product_type=Workshops ➡️ SPEAKING: Learn more about our Speaking opportunities for your next event: https://kevineikenberry.com/how-we-can-help-speaking/  Connect with Kevin Eikenberry on Social Media:  https://kevineikenberry.com https://www.linkedin.com/in/kevineikenberry https://twitter.com/KevinEikenberry https://instagram.com/kevineikenberry https://www.facebook.com/KevinEikenberryFanPage/ About Kevin Eikenberry: Kevin Eikenberry is the Chief Potential Officer of the Kevin Eikenberry Group, a world expert on leadership development, best-selling author, sought-after speaker, popular blogger, husband and dad, a fan of Purdue athletics and antique tractors (especially John Deere's). About The Remarkable Leadership Podcast: The Remarkable Leadership Podcast with Kevin Eikenberry is dedicated to all things leadership. Twice a week Kevin shares his thoughts about leadership development and ideas to help you lead more confidently and make a bigger difference for those you lead. He also has weekly conversations with leadership experts discussing a wide range of topics including teamwork, organizational culture, facilitating change, personal and organizational development, human potential and more.  

0:00 - ESPN Reporter/Insider/Wizard Adam Schefter calls into the program to talk Broncos/Commanders and give a lay of the land for the rest of the NFL.15:12 - The Broncos Victory Monday party continues as Mose makes a bold proclamation about the team as the season draws closer to the end of the regular season.34:52 - The Buffs season came to a close on Saturday, but that doesn't mean Vic, Mose and Mat don't get one more phrase-ism from Coach Prime to react to with a lil bit of a Sunday School vibe to it.