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Episode 267-Vote for Gun Lawyer Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode 267 Transcript SUMMARY KEYWORDS Gun Lawyer, podcast of the year, Gundies awards, Second Amendment, New Jersey gun laws, assault firearms, registration, inheritance, gun rights, Supreme Court, firearms instructor, tactical rabbi, gun rights oppression, voting prizes, gun lawyer nomination. SPEAKERS Evan Nappen, Speaker 2, Teddy Nappen Evan Nappen 00:16 I’m Evan Nappen. Teddy Nappen 00:17 And I’m Teddy Nappen. Evan Nappen 00:19 And welcome to Gun Lawyer. Well, folks, I’m proud to say that Gun Lawyer has been nominated for Podcast of the Year by The Gundies. And The Gundies, it’s a really cool awards program in which they look to honor various voices and those who are influencers and writers regarding our precious Second Amendment rights. This is an honor, and I’m very proud to be nominated. And what I’m doing now is I am shamelessly asking for your vote, because with The Gundies, it’s you who vote. If you go to thegundies.com, www.TheGundies.com, thegundies.com, you’ll see there are 19 different categories for different things — influencer, writer, all kinds of stuff. And on there is Podcast of the Year. Please go there and vote for Gun Lawyer for Podcast of the Year. Evan Nappen 01:42 And by doing that, not only will you help promote the show, but because we focus on these horrible problems, particularly with a centered focus on New Jersey, because New Jersey is just where the brunt of the Second Amendment oppression takes place. This will help bring greater awareness nationally to our cause, to our fight against gun rights oppression. So, we can win Podcast of the Year nationally and more people will pay attention to New Jersey and what Gun Lawyer has to say. And if you vote, you can actually win prizes. They give prizes to folks, you know, randomly, who vote. Voting closes December 15. Okay? You can vote one vote per category every day. So, vote for Gun Lawyer every day. Okay? You can do it once a day. Evan Nappen 02:47 If you vote in all 19 categories, if you pick in all 19 categories, and it’s all free, by the way, and if you watch a video at the bottom of the page, you earn an extra vote for every category that day. There are prizes. Every time you vote, you’re automatically entered to win. And the grand prize is an all expense paid trip to The Gundy Awards, which takes place in Las Vegas. And in each category, there are Page – 1 – of 11 sponsors that have prizes. So, this is exciting and fun, and, you know, it would mean something to me and Teddy, if you would be so kind as to jump on thegundies.com and vote for Gun Lawyer. Evan Nappen 03:31 I would also highly recommend our good friend, John Petrolino, for top 2A writer. You know, John is just great, and man, does he cover New Jersey and so many other things as well. He’s such an in-depth great reporter, and he’s brought so many of these great issues to the forefront. You know, we’ve talked about a lot of the great work that John has done. So, give John a vote in the top 2A writer category. And, of course, our good friends at WeShoot, they were also put out there for Firearms Instructor of the Year. And I would ask you to consider the Tactical Rabbi, that’s right, Tactical Rabbi for Firearms Instructor of the Year, and Bul Armory for the Most Innovative Brand of the Year. So, there’s four of the categories with some suggestions. And so, if you’re inclined to do so, please jump on this. We have till December 15, and hopefully this will be successful. It will be a lot of fun for you, and maybe you’ll even win some prizes by doing it. Teddy Nappen 04:49 I will also say to everyone voting for us, for Gun Lawyer, it is critical, because we need to give national awareness. I don’t think people outside of New Jersey realize the damage that the Gun Owner Gulag has created, and New Jersey is the petri dish. This is where they test all their crazy nonsense. Evan Nappen 05:13 New Jersey is a gun owners hell. Teddy Nappen 05:14 Correct. Evan Nappen 05:15 New Jersey is a gun owners hell. I wish The Gundy’s had an award for, you know, worst state. You know, greatest gun owner hell. New Jersey would win that every year. Teddy Nappen 05:26 Anti-gunner of the year. Anti-gunner. Evan Nappen 05:28 No. Gun rights oppressionists award. The Top Gun Rights oppressionist state. It is crazy, but this is actually a positive award. So, they look to get the voices and the folks out there that are all going to bat for our rights. And everybody who’s nominated, I want to congratulate all the nominees across the board. They’re all out there, spreading the word, fighting the lame-stream media, and trying to get past the agenda that the anti-gunners try to control and their lies that they put out to get us disenfranchised of our rights. It really is a battle that we’re in, and this is yet another tool in that battle. So, go to TheGundies.com and give us your vote. Make your voice heard. Page – 2 – of 11 Evan Nappen 06:23 Say, you know, one of the things I wanted to talk about, and it’s something that comes up a lot. And every once in a while, I think it really pays to do this. I want to talk about the so-called intrinsically evil “assault firearms”. That’s right, you know, New Jersey has had a ban on so-called “assault firearms”, and that in its current form, it was enacted back in May of 1990 and became effective in 1991. During that one year period of time, they allowed you to render inoperable your so-called “assault firearms”, but if you did that, you had to file a Certificate of Inoperability. If you just rendered them inoperable and didn’t file the paperwork, it’s no good. It’s the same as having an actual “assault firearm”. They did allow registration of a handful of guns, which they called registration, where you could keep them. This included the AR-15 and the M1A and the M1 Carbine, but you had to pay $50 and register it. If you actually have a registered assault firearm, it allowed you to keep so-called large capacity magazines with that gun, as long as you use that gun in competition in the DCM (Director of Civilian Marksmanship), which no longer exists, by the way. It’s now the CMP (Civilian Marksmanship Program). Evan Nappen 07:55 Now, very few did that. But, of course, if you did register one of those guns, I want you to be aware of something. If back in 1990 to 91 you registered an “assault firearm”, registered “assault firearms” in New Jersey are not inheritable. Firearms normally are inheritable in New Jersey, and they pass to your heirs without any paper registration or license. But registered “assault firearms” are not inheritable. So, if you have a registered “assault firearm” and you don’t want to just lose it to the State, you may want to think about disposing of it sooner rather than later. So that it is something that is just not a loss to the estate. Now, if you have an unregistered “assault firearm”, well that is inheritable. Believe it or not, only registered assault firearms are not inheritable. Evan Nappen 08:18 Of course, you may say, well, how can a unregistered “assault firearm” be legal for inheritance? Well, first of all, if you rendered it inoperable, that’s not registration. So, those guns are inheritable. And if you stored your “assault firearm” outside of New Jersey and didn’t register it, then it can be inherited by your heirs. Now, they can’t bring it into New Jersey either, but they can, in fact, inherit it. So, it’s only registered “assault firearms” that are not inheritable. The “assault firearm” law is just full of quirky, bizarre garbage like this. And it is insanity. As far as a law being written, its one of the worst-written criminal laws ever written. Absolutely. It is essentially beyond complete comprehension. Evan Nappen 09:51 It is a very complicated and often contradictory, five-part definition of what is supposedly an “assault firearm”. And the reason it’s so complicated is that they really can’t be defined, because “assault firearm” is just a pejorative term. The original assault rifle, if you will, the assault rifle, you know, is the German Sturmgewehr. And that assault rifle was full automatic fire and semi auto. So, it was a select- fire weapon. So, assault firearms are not assault rifles and assault weapons, which you may have heard that term assault weapon, is what the Federal law at one point banned back in 1994. But that law went away in 2004, and it hasn’t come back. So, the Federal assault weapon ban has been DOA since 2004. New Jersey still has an assault firearm law, and neither of those are assault rifles, of which the traditional classic Sturmgeweher, a medium caliber firearm that would be select fire. Page – 3 – of 11 Evan Nappen 11:09 So, what New Jersey did was contrive this definition with this complicated five parts. The first part is a laundry list of about 67 named guns. Now, of these named guns, some of them I’ve never even encountered in the wild. Okay? I’ve never even seen some of these that are on this list, and some, I think, are just made up. Maybe they like read it on the internet somewhere and thought it qualified as an “assault firearm”. But if your gun is a named gun on the list, then it becomes banned by name. Then if it’s not on the list or it’s not exactly as named on the list, then the other part of the law identified any firearm manufactured under any designation which is substantially identical to any of the firearms on the list. Evan Nappen 12:07 So, the question became, well, what does “substantially identical” mean? I mean, even think about those two words for a minute – substantially identical. Well, identical means exact. Substantial means almost. How could something be almost exact? It’s like being a little bit pregnant. I mean, you are or you’re not. I mean, this is ridiculous. You now have to guess, when this law came out, is my gun substantially identical to a gun on the list? What does that even mean? I brought a challenge to that. It was in the case of State v. Merrill, and I won. It was on an MAK 90, where the judge tossed the assault farm law in the trial court. It was Judge Farren in Monmouth County in State v. Merrill. He tossed the law as being unconstitutional, not because of the Second Amendment, but tossed it because of being vague, unconstitutionally vague. A person could not understand from the law what’s banned. In order for a law to be valid criminally, you have to understand how to conform your behavior, and under this law, you couldn’t. Because no one could tell what “substantially identical” meant. Evan Nappen 13:13 Then along came a Federal lawsuit, after I won it in State court, trying to knock out the law. And in that case, the Attorney General named in the lawsuit filed the Attorney General Guidelines to save the law by defining what “substantially identical” meant in that part of the definition. He defined substantially identical as the 1994 Federal Crime Bill definition of a assault firearm that was feature specific, even though New Jersey didn’t have a feature specific ban. The ’94 Crime Bill is what became essentially New Jersey’s list of compliant guns or not, and that is what we’re still using to this day. Those guidelines from the Attorney General. So, when you talk about whether a gun is compliant or not, and you go to those guidelines, that’s where the substantially identical comes in. Evan Nappen 14:16 So, when you look at the list of guns, it says on there Colt AR-15 and CAR-15. And let’s say you have a Bush Master, you know, XM 15, or you have Davis, or whatever. It doesn’t matter is, but it’s like an AR- type platform. Is it substantially identical or not to this? How do we know? Well, that’s where the Attorney General Guidelines came in to save what was otherwise an unconstitutional law, which itself is questionable whether this. But the court upheld it based on this. Even though the question is, how did our legislators in 1990 know that their unconstitutional law that had a vague definition would be saved by a Federal bill passed in 1994, four years later? That’s pretty amazing. Their crystal ball there to know that, isn’t it? But somehow, that’s been what we’ve been living under. Page – 4 – of 11 Evan Nappen 15:12 Under the guidelines of the Attorney General, substantially identical gets defined as any semi-automatic rifle that has the ability to accept a detachable magazine and has at least two of the following features. You have to have two. And that would be a folding or telescoping stock, a pistol grip that protrudes conspicuously beneath the action of the weapon, a bayonet mount, a flash suppressor or threaded barrel designed to accommodate a flash suppressor and a grenade launcher. Now, I know a lot of you, you know, go out grenade launching on the weekend. So, beware of that one in there. If you look at these features that make a gun substantially identical or not, I mean, a bayonet mount? What the hell does a bayonet mount have to do at all with any of this? I mean, was it because of all the drive by bayonetings? It’s, it’s nuts, but this is what we live under. But the reason we have those guidelines is not because you find them in the law. You find those guidelines, saving the law’s ass, if you will, by defining the term “substantially identical” that I had gotten knocked out as unconstitutional in that State v. Merrill case. Evan Nappen 16:25 Additional definitions for assault firearm include a semi-automatic shotgun with either a magazine capacity exceeding six rounds, a pistol grip or folding stock. So, if you have a semi-automatic shotgun and it holds over six rounds. And let me just tell you, this is a great example of just how stupid the Attorney General Guidelines are. Because the Attorney General Guidelines, incorporating the Federal ’94 bill says about shotguns that it can’t exceed five rounds. Well, that’s crap. Completely wrong. New Jersey law says it can hold six. Can’t be over six. The guidelines say five but that’s because they didn’t know what they were doing when they passed the guidelines. It contradicts New Jersey’s law, okay? But with shotguns that are semi-automatic, all it takes is one feature. It’s not two. So, if you have a semi-automatic shotgun with a pistol grip, it’s an assault firearm. If you have a semi-automatic shotgun with a folding stock, it’s an assault firearm. If you have a semi-automatic shotgun that holds over six rounds, then it’s an assault firearm. Okay? It’s a one-feature deal on shotguns. Evan Nappen 17:38 Now, if you have a pump action shotgun, if you have a wonderful Mossberg 590 or a tactical Remington 870 or any other pump shotgun, you can have any damn feature you want on it. You can have a bayonet mount. You can have folding stock. You can have a magazine capacity of a tube that holds nine rounds. No problem. You can have a shroud on it. You can whatever you want on a pump shotgun. No problem. Pumps are not covered by this at all. So, trick out your pump shotgun to your heart’s desire, but be very careful when it comes to your semi-automatic shotgun. Evan Nappen 18:24 It also prohibited, under another section, a semi-automatic rifle with a fixed magazine capacity exceeding 10 rounds. However, the original definition in 1990 set a semi-automatic firearm with a fixed magazine capacity exceeding 15 rounds, and this included tube-fed .22s, your classic Marlin Model 60, and you know your Remingtons and Winchesters that were semi-auto and held over 15 rounds in the mag tube. But what happened was they became a laughing stock, New Jersey, over their ban on .22s, and it became detrimental to them trying to oppress our rights so badly that they actually amended New Jersey’s assault firearm law to exclude tube-fed .22s. So, if you now have a semi-automatic .22 rifle that has a fixed tubular magazine and holds over 10 rounds, it is not an assault firearm. It’s legal. Your Page – 5 – of 11 tube-fed, semi-auto .22 can hold as many rounds as the tube wishes, and is possible to hold. Not a problem. So, that’s how that works. Evan Nappen 19:45 And then finally, they throw in this ridiculous part or combination of parts designed or intended to convert a firearm into an assault firearm. Don’t you love when the definition uses its own words to define itself? Say, that isn’t vague or confusing, is it? Or any combination of parts in which an assault fire may be readily assembled if all those parts are in the possession or under control of the same person. So, you have that catch all of parts nonsense as well. So that is New Jersey’s assault firearm definition. Evan Nappen 20:18 Possession of an assault farm is extremely serious in New Jersey. It’s a crime of the second degree. It carries up to 10 years in State Prison, and it has a minimum mandatory of three and a half years, no chance of parole. If you get convicted of possession of an assault firearm, you’re looking at the judge’s hands being tied, and you will have to do a minimum of three and a half years with no parole in State Prison. Additionally, if you’re charged with assault firearm, you will be thrown in the Gulag, and there’s a presumption against you getting bail if you’re charged, not even convicted, just charged with possession of an assault firearm. New Jersey has lost its mind when it comes to this and so many other gun laws, but it’s always worth a review. I want to make it clear to my listeners just how bad it is, so that you don’t end up a GOFU on New Jersey’s idiotic assault firearm ban. Evan Nappen 21:20 Hey, let me mention our good friends at WeShoot. Of course, WeShoot is the range where Teddy and I shoot. They have great training and a beautiful range, right there in Lakewood, New Jersey, centrally located. They’re a great resource. You can get your CCARE certificate there so you can get your carry, ad you can get all kinds of training. They offer other training for a carry license from other states. They can offer you advanced training, great range, so you can hone your skills and stay on target. WeShoot. You go to weshootusa.com. Beautiful photographs. They’ve got the WeShoot girls there posing with great guns. You’ll love looking at that. And you can check out their pro shop where they have great deals. Great gear, great guns, and great folks at WeShoot, weshootusa.com. It’s a great place. We love it, and I know you will, too. Evan Nappen 22:21 Aso in this battle, this entire time, it’s been the Association of New Jersey Rifle & Pistol Clubs (ANJRPC). The Association of New Jersey Rifle & Pistol Clubs are in the courts right now battling the assault firearm law. I’m feeling more and more hopeful, folks that we’re going to see the Supreme Court take up assault firearms and large capacity magazine cases. New Jersey’s fighting it out. It may, in fact, be the New Jersey case that the Supreme Court hears down the road, maybe others. They’re proceeding pretty rapidly to the Supreme Court. We’re getting mixed decisions in the different jurisdictions, which also leads to the Supreme Court wanting to take the cases. It is really important that we finally get a case from the Supreme Court where they look at items that get banned. Page – 6 – of 11 Evan Nappen 23:11 The Supreme Court does have two cases this session that they’ve picked looking at the “sensitive places”, which is really important, because that will help fight New Jersey’s Carry Killer bill. It goes at one of the laws that New Jersey, in fact, has regarding property, private property, and whether or not it can be banned. They’re also looking at whether marijuana can be a disqualifier or not, whether that’s a lawful disqualifier that can take away your Second Amendment rights. They may finally eliminate Bang or Bong. You can’t have both. So, these cases will be very interesting, and they also can have much more far reaching consequences and help us in our battle to fight the gun rights oppression. So, these are things to look forward to. And your State Association, the Association of New Jersey Rifle & Pistol Clubs, is there fighting these issues out and filing amicus briefs in other cases, and also in the legislature with our paid lobbyists full time. Keeping an eye on the shenanigans going on down there. So, make sure you join the Association so you can stay updated and you can take action as you get those email alerts. It’s very important. So, join anjrpc.org today. Evan Nappen 24:36 And let me also mention my book, New Jersey Gun Law. It’s the Bible of Jersey gun law. It’ll help you stay legal in New Jersey and not fall into these traps and these things that we talk about, like the whole understanding of assault firearms. If you’re confused by what I said, you can read it slowly, carefully in my book, under the chapter assault farms. I put it in question and answer so anyone can understand it. I want you to understand it. I want my fellow gun owners not to be turned into criminals and to lose their gun rights. It’s why I wrote the book. So, get your copy today. Go to EvanNappen.com, EvanNappen.com, and get my book, New Jersey Gun Law. It makes a great holiday gift. Check it out, the 25th Anniversary Edition. And when you get the book, scan the front cover, the QR code right there, and you will get our link right to my archive, where you can download the 2025 Comprehensive Update. Of course, I’ll be doing updates for the new year, and you’ll want to get them. You’ll get notified of that and any other crazy changes that take place in New Jersey. We have to be eternally vigilant. Teddy, what do you have for us this week? Teddy Nappen 25:53 Well, as you know, Press Checks are always free. And this is something that you know when you see it, you have to think, what would the Left do if they had unfettered power? If they, you know, added more states and packed the court and made every illegal a voter? If they had unfettered power, what does that lead to? Well, I was flipping through Bearing Arms, and sure enough, a British man was arrested for a picture of himself posing with a shotgun. This is an article by Tom Knighton. (https://bearingarms.com/tomknighton/2025/12/01/british-man-arrested-for-picture-of-him-shooting- shotgun-n1230765) Evan Nappen 26:34 He was posing with the shotgun. Where? Teddy Nappen 26:37 Correct. In the United States! Yeah, of course, they got arrest the man for posing with something that’s across the entire continent. The British IT consultant was arrested after posting a photograph of himself holding a gun during the holidays in the United States. The case drew sharp criticism from Elon Musk Page – 7 – of 11 everybody as West Yorkshire. He was shocked after police visited then detained him over the image, which he says was taken legally on private property in Florida. Evan Nappen 27:05 Wait, there’s guns in Florida? Teddy Nappen 27:16 I know – shocker. The West Yorkshire Police later visited his home and advised him to be careful about what he posts online. Evan Nappen 27:27 What’s all this, then? What’s all this then? Teddy Nappen 27:33 Right! Yeah, and the officers did not ask to see any proof that he had taken the photograph in the U.S. as they then returned to his home at 10 pm and promptly arrested him. The bail documents referred showed there were allegations of possessing a firearm with a cause, with intent to cause fear of violence, as well as separate allegations of stalking linked to another photo. Evan Nappen 28:04 Are you sure this wasn’t a Monty Python episode? I mean, it’s unbelievable. Teddy Nappen 28:09 Yeah, and he was held overnight before being interviewed. So, they locked him up and said, all right, we’re gonna get you in the morning. Evan Nappen 28:17 They jailed him over it even. Good grief. Teddy Nappen 28:19 They dropped the charges. But then said, you better not lead any more incitement as you posted a photo. Evan Nappen 28:25 Oh, God, you can’t. Teddy Nappen 28:28 You can’t get any more Orwellian than that. Being arrested over a photograph. Not even possession of firearms, because they can’t do that in England. A photograph. Evan Nappen 28:41 Well, you know, I had a case similar, Teddy. Not quite that, but close, you know. When I had a case with a guy whose son had passed the New Jersey Hunter and was a New Jersey Hunter. He was posing with his gun. He just had a picture with his firearm. Nothing bad. No threats, nothing. And they Page – 8 – of 11 went and tried to cause a huge problem for him and his family. It was outrageous over just a picture of his son legally with a gun. And that was New Jersey. Now, luckily, he didn’t get arrested and criminally charged and thrown in jail. But still, you know, these things can happen even in New Jersey, and it’s getting worse and worse. So, we have to be very vigilant of this. And it shows you. I mean, the U.K. is just the, I would call them, the formerly Great Britain. Formerly Great Britain. Teddy Nappen 29:47 I just call it hell. Because what they are looking to do now, I just. I like to highlight these stories that have come up in the past, because unfortunately, the Left are very good at memory holing the utter insanity they pull. For instance, in the U.K., and this is from The Mirror by Kelly-Anne Mills. (https://www.mirror.co.uk/news/uk-news/autistic-girl-who-told-cop-30673891) Remember the autistic girl who got arrested for using “homophobic language” for calling the cop, oh, you’re my lesbian Nana. They dragged her to the police and promptly arrested her. Arresting an autistic girl, 16 years old, for saying she looks like my lesbian Nana, who she did have. Evan Nappen 30:34 She didn’t say it in a bad way. Teddy Nappen 30:36 No, she just said you look like my Nana. Evan Nappen 30:40 Yeah. Teddy Nappen 30:41 And it showed her being dragged out, which, or if you they go into like, for autistic people, can’t, they freak out if you even touch them. But the dragging her through in the massive footage, which, it’s just such an embarrassment. By the way, it was the West Yorkshire Police. I’m noticing a pattern being the Orwellian thought crime police. They outdid themselves with this one, which this came up recently. Do you remember that woman who was arrested for silent prayer? Evan Nappen 31:11 Oh, a thought crime. Thought crime, that’s good. Yeah, great. Teddy Nappen 31:15 Yeah, well, finally it came due where the West Midland Police were forced to pay 13,000 pounds to the woman for falsely arresting her. Teddy Nappen 31:27 For silently praying outside an abortion clinic. But take this as you will. She was still arrested for thought crime. This is coming right from the ADF International U.K. Utter insanity. (https://adfinternational.org/en-gb/news/silent-prayer-arrest-payout) And when I look at this, I see this is what the Left wants. They want you and I, Dad, to be dragged out and arrested for our speech, Page – 9 – of 11 because that’s the only way they can win. They can’t win in the battlegrounds of ideology. Showed that by them killing Charlie Kirk. Now they want to go for arresting you for your ideas. That is their goal. Evan Nappen 31:27 Good. Evan Nappen 32:03 We couldn’t do the Gun Lawyer show in the U.K. We’d be raided, jailed, and forget it. Yeah. I mean, you know, we still have a First Amendment here, and we love the entire Constitution, not just the Second Amendment. But we’re facing oppression of all our Constitutional rights, but at least we still have them. It’s really sad about how the formerly Great Britain has been just turned into a laughing stock and a place that I wouldn’t even want to step foot in. I mean, at one point I would have loved to have gone there. But nope, not anymore, man. Not a chance. They are just nuts, and their suppression of so many rights and what they’ve let happen to their country is just sad, very sad. Evan Nappen 32:57 Hey, let me tell you about this week’s GOFU. This week’s GOFU is an important GOFU because we have the holidays coming up. And, you know, we all, I’m sure, love to watch A Christmas Story, right? A Christmas Story is a classic with Ralphie. But the star of A Christmas Story, not just Ralphie, is the Daisy BB gun, right? The Daisy BB gun. And I’m sure many of you have fond memories if you were fortunate enough as a kid to have a Daisy BB gun. But I’ve got to tell you, BB guns in New Jersey are firearms, folks. Keep that in mind. A BB gun is defined as a firearm in New Jersey. You cannot just give a BB gun to your child, to your son or to your daughter. You cannot do that. It’s the same as if you just gave them a gun. Evan Nappen 34:01 If you buy a BB gun, it’s your BB gun. If you want to shoot the BB gun with your child, you need to be with them in the same way as if it is a modern cartridge firearm. You can’t just give them that BB gun to keep in their room, to go out in the woods alone and play with it and have fun like we did in the old days. You cannot do that. It is a firearm. You can lose your gun rights and even face criminal charges. And so can your child. So, the GOFU is, remember, air guns are firearms in New Jersey. Treat them the same as firearms in any way that you would want to give a firearm, okay? Gifting a firearm in New Jersey itself is not permitted without proper paperwork. So, you can’t buy any gun for anyone and just give it to them. They’re going to have to have a transfer done with paper, with a pistol purchase permit for handguns and a firearm ID card for long arms. And if they’re not immediate family, it has to go through a dealer. The only way you gift a gun in New Jersey is with full paperwork. So, that’s the GOFU. Keep it in mind during this holiday season. Evan Nappen 35:33 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Page – 10 – of 11 Speaker 2 35:44 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 11 – of 11 Downloadable PDF TranscriptGun Lawyer S3 E267_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

For H-Hour perks, join the H-Hour Discord guild: https://discord.com/invite/KCb54MQNxd and follow H-Hour Hugh on X: https://x.com/HughKeir ******Dr Alastair Santhouse, a consultant neuropsychiatrist at The Maudsley Hospital in London, authored No More Normal: Mental Health in an Age of Over-Diagnosis, published by Granta Books in April 2025. In this H-Hour Icebreaker, a prequel to the full podcast, Alistair to tackles critical questions from H-Hour patrons about neurodivergence, self-diagnosis, and the evolution of psychiatric terms like trauma and depression. Santos delves into the rising diagnoses of autism and ADHD, the complexities of self-diagnosis, and the pressures on mental health services. The discussion also touches on societal issues like loneliness, financial insecurity, and the need for nuanced, accurate mental health diagnoses. This episode promises a rich conversation full of balanced, research-based insights on mental health and diagnosis. https://www.alastairsanthouse.com https://www.amazon.co.uk/No-More-Normal-Mental-Over-Diagnosis/dp/1803511141

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Most people over 50 have disc bulges and degeneration and are not in pain. 30% of people in their 20s have disc bulges and are not in pain. Janda would say that the disc is being injured by postural issues due to muscle imbalances and also because of dysfunctional movement patterns caused by those Upper and Lower Crossed Syndromes.  Treating a disc bulge only gives temporary relief. The underlying sheering force caused by a short tight psoas or a forward head placement will start to injury adjacent discs and will perpetuate pain.  Fix the Function! Correct the Crossed Patterns and retrain the movement patterns for lasting relief of chronic pain.   https://pmc.ncbi.nlm.nih.gov/articles/PMC4464797/ https://pmc.ncbi.nlm.nih.gov/articles/PMC3921966/   BLACKFRIDAY20 at Checkout (look for the link to click) for 20% off all Courses and Bundles of Courses on my Podia site. Bundles are already 20% discounted and you can add the Black Friday Discount on top of that until the end of the year.   https://richardhazel.podia.com   My Courses Don't Expire  

REDIFF - Franck a partagé son expérience d'errance médicale pendant 30 ans avant de recevoir un diagnostic correct de trouble bipolaire en 2019. Cette découverte a transformé sa vie grâce à un traitement au lithium, lui permettant de retrouver une vie normale et de s'engager à sensibiliser les autres sur la santé mentale. Chaque soir, en direct, Caroline Dublanche accueille les auditeurs pour 2h30 d'échanges et de confidences. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.fr.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

DawgNation's Brandon Adams joins Andy and Randy to preview the SEC Championship, and the latest CFB Playoff rankings

Welcome to Indulgence Gospel After Dark!We are Virginia Sole-Smith and Corinne Fay, and it's time for your December Extra Butter episode.Today we've got a couple of rants and answers to your listener questions. On the agenda: ⭐️ The tyranny of School Spirit Weeks — especially during the holiday season! ⭐️ How it feels to date another fat person

In this episode, Chip and Gini discuss the complexities of hiring in growing agencies. They highlight the challenges of finding skilled, reliable employees who align with agency values. Sharing personal experiences, Gini explains the pitfalls of hasty hiring and the benefits of thorough vetting and cultural fit. They stress the importance of a structured hiring process, including clear job roles, career paths, and appropriate compensation. They also underscore the value of meaningful interviews, proper candidate evaluations, and treating the hiring process as the start of a long-term relationship. Lastly, Chip and Gini emphasize learning from past mistakes to improve hiring effectiveness and employee retention. Key takeaways Chip Griffin: “When we talk about retaining employees, it goes back to how the interviews went.” Gini Dietrich: “You’re gonna be working with this person eight hours a day. You should have a real meaningful conversation with them. Don’t ask if you were a tree, what kind of tree would you be?” Chip Griffin: “If you’re going to have members of your team interviewing, you need to make sure that you’re educating them on how to do it well. And how to do it without causing problems.” Gini Dietrich: “They say, hire slowly and fire fast for a reason, because you have to be really meticulous about who you hire. So that they do last. So they are a culture fit, so they don’t miss deadlines, so that they are getting the work done that you need done.” Related How to onboard new agency employees Get over your fear of hiring employees Hiring the best employees for your agency How to hire agency employees Setting honest expectations for your agency employees from the start Focus on agency employee retention View Transcript The following is a computer-generated transcript. Please listen to the audio to confirm accuracy. Chip Griffin: Hello, and welcome to another episode of the Agency Leadership Podcast. I’m Chip Griffin. Gini Dietrich: And I’m Gini Dietrich. Chip Griffin: And Gini, a few weeks ago, I think I fired you. Today, you’re hired, Gini Dietrich: You keep playing with my emotions. I don’t know how to do this anymore. I’m fired. I don’t get paid. Now you’re rehiring me. I don’t know what to do. Chip Griffin: Yeah, it’s difficult. Anyway. It is what it is. But no, we are gonna talk about hiring today because we are, you know, we can’t just talk about all the bad things. So, we’ll, we’ll spend some time talking about something that is overall more positive. Because if we’re hiring, hopefully that means that we are growing, or at least we have the need for additional resources, even if it’s replacing someone who has left. But it is something that is very challenging, so it can create its own problems along the way if you don’t do it right. So this is, something that comes from one of our favorite topic inspiration sources. Reddit. I know it’s a place that you live and breathe. Gini Dietrich: And by favorite, we’re using quotes “favorite”, scares the crap outta me. But ok. Chip Griffin: You are on Reddit all day every day. Just kind of combing around to see what conversations you can jump into. But this is one that was on there, probably a while ago honestly, it’s in our topic document. We didn’t date it, so I, I can’t tell you how long ago it was, but, what it says is, hiring the right people is harder than it looks. Finding skilled, reliable people who align with your values is a challenge. Early on, I rushed hires and paid for it in missed deadlines and miscommunication. Now I take more time to vet people and focus on cultural fit as much as skills. So I thought it would be helpful for us to have a conversation around how we approach the hiring process. How do we find the right fits? How do we vet those fits? And how do we frankly think about going from hiring them to, to beginning to on onboard them. We’re not gonna talk about the full onboarding process, but just sort of, you know, that, that evolution of saying, Hey, I need this role. Where do we go from there? Gini Dietrich: Yeah, it’s, it’s funny you say that this is our topic today. ’cause just the other day I was thinking about some of the very early hires I made that didn’t work out. And all of the mistakes I made in, in hiring them. And I will say that one of the biggest mistakes that I make is I meet somebody online who has the right skillset from a paper perspective, resume perspective, and I just hire them. I’m like, oh yeah, you, you look like you can do the job. And we may have a conversation, but there’s no, like, thought about it. There’s no interviewing for skills. It’s more just like a, a conversation to see if we, we might be able to work together. And every time I have done that, it has not worked out. So earlier this year I hired a chief learning officer to help with like certification and, you know, all the professional development things we do on the PESO model front. And about three or four months in, we both realized that, that that while she can do that job and she’s great at that job, she would be more valuable as a chief operating officer. So we switched her over. And let me tell you, being professionalized on the hiring front is phenomenal. I mean, she has set up interview guides, so like if you are an assistant account executive, and this would be somebody that you report to maybe two or three levels up, and we’re having you interview, you have a set of questions. If you’re the direct report, you have a set of questions. So we, like, she’s created all this. She’s created salary bands and like, you know, a career path for everybody where from where they start and she’s done, she’s done it in such a way that it isn’t bloat, but it’s just kind of professionalized the way that we do things. And you don’t have to hire a chief operating officer to do this, like I know you, you like to talk. Patrick is your go-to person from an HR perspective, someone like Patrick can help create these things so that you can professionalize it because as they say, hire slowly and fire fast. That quote is there for a reason, because you have to be really meticulous about who you hire. So that they do last. So they are a culture fit, so they don’t miss deadlines so that they are getting the, the work done that you need done and you’re not being, like, I have been in, in the last 20 years of just hiring people I like. Chip Griffin: Yeah. And, and I, I mean, I think that, you know, you’ve touched on some important things here and, and you do have to have some sort of a process in place. It doesn’t need to turn you do into a bureaucratic circus, Gini Dietrich: You do, right. Chip Griffin: But at the same time, you need to have a process. And, and it really, to me, starts with being clear about what it is that you need. And who it is that you’re trying to hire. And, and too often when we’re trying to hire, it’s either because someone has left or because we’ve got a new client. And so our, our mindset is we need to get someone in here quick because we’ve gotta relieve this pain and this pressure. But that often leads to some of those bad decisions because you’re not really evaluating. Not even just the individual, but the role. Mm-hmm. And you need to think through, you know, what do you actually need at any given point in time? And it’s one of the reasons why I am a very strong advocate of only hiring, particularly in small agencies, only hiring one person at a time, one role at a time. Gini Dietrich: Yes. Yes. Chip Griffin: Because every time you add someone new to the mix, it changes a little bit what you think you might need in the next one. And if you hire two people simultaneously, it increases the odds that you don’t actually have the right mix of talent on board. So you’ve gotta be crystal clear with yourself about what you’re looking for, but to your point, you also need to have a process in place that helps to understand what are our salary bands, what are our titles? How does this fit in? What is their growth path? Because those are questions you will get during the interview process. And if you’re not clear about those things going in, you will either overpay or underpay or assign the wrong title. Or frankly, get the wrong person because you’re not thinking about it in the big picture. So put the thought process in upfront, and that is the, to me, the first step in making sure that you make as good a decision as possible. Accepting that frankly, a lot of hiring decisions are gonna be wrong. Right? Even of course, even, even the, of course, even the best organizations, of course with the, with robust HR teams and, and talent evaluation, they still have a lot of misfires, so you can’t beat yourself up over those. But you’ve gotta increase your odds by having the right thought process and structural process in place. Gini Dietrich: One of the things that, you know, early on I would do when I didn’t have a team who could interview people, I would ask my business coach, or I would ask, you know, friends that were in the industry, other agency owners, if they would participate in some interviewing, just to kind of get me out of the Gosh, I really like this person. I think we’ll work well together. And, rather than, gosh, I really like this person and I think they can do the job right. So just having different outside perspective helped me when I didn’t have a team that could also do the interviewing. So I think, you know, doing that kind of stuff too helps. And I also think that, you know, I, one of the biggest mistakes, and you touched on this that I’ve made, is not having that career path or clear career path. Because people come to work and even though you’re an entrepreneur and you’re the agency owner, and you kind of know in your head how things work, they need to know that because this is their career that you’re talking about. So they need to know that if I wanna be promoted in 6 months, or 12 months or 18 months or whatever it happens to be, these are the things that I need to achieve so that they’re working towards something, not waiting for the annual review and saying, am I up for a promotion? What does that look like? Do I get a raise? Like, so having those kinds of things I think is incredibly important upfront so that you know, this is what we expect, this is how you’ll get to the next step, and you can be very clear about that. Chip Griffin: Yeah, because it, it is a question that you absolutely will get. I’ve done a lot of interviews over the years. I continue to, to do interviews for clients, and I can tell you that you get a lot of those kinds of questions where people want to understand what their career path is. The other one they ask a lot is, what does a typical day look like? Gini Dietrich: Mm-hmm. Chip Griffin: You’ve gotta have the answers for those questions as best you can, and, and you need to be honest with them where you don’t know. So don’t, don’t, you know, blow smoke and, and Gini Dietrich: Right. Chip Griffin: You know, give them an answer if you don’t have one. If, if the honest answer is, I don’t know. Tell them that, but then also explain how you think about it or how you would go about it, or the kinds of things that, that might be included so that you can paint some kind of a picture there. Because it’s, it is important for people to evaluate it. And frankly, we look at these things as, as evaluating the talent for us. But they’re also evaluating us. Gini Dietrich: Absolutely. Chip Griffin: And, and so you also need to make sure that in the process you’re giving them plenty of time to ask questions. In fact, I usually start by letting them ask questions for two reasons. One is because it helps them to get the information that they need to evaluate it. But second, you learn as much from the questions they ask as anything else. And to me, a red flag is when they have no questions at all. Gini Dietrich: No questions. Yeah. Chip Griffin: Because if they have no questions at all, it probably means they did no research. They’re probably not all that interested. They’re just trying to get a job of some kind. It doesn’t, it doesn’t mean necessarily that they’re a bad fit. Some people just freeze up because they’re, you know, that’s, that’s not a traditional approach to interviews. To start by saying, what questions do you have of me? Right. By the way, introduce yourself first. Talk a little bit about the business and the role. I mean, don’t just, you know, say hello. What questions do you have? Gini Dietrich: Hello. What do you have? What questions can I answer? Chip Griffin: But, but honestly, I, I almost always will ask people what questions they have before I ask my first question. We just do the intros and then start with that, because you learn from that. And it, it also helps them get onto a more comfortable spot. And so you can steer the, the conversation, I think, more effectively that way. Gini Dietrich: One of my biggest pet peeves is, you know, now that we have a, a team who does the interviews, if the candidate gets to me, that means they’re one of the finalists, right? And I will say, what questions do you have of me? And they will say, and this happens more often than not. Well, I kind of already asked my all my other question, my questions from everybody else. So ask them again. Right? Make sure you get the same answer like. Right. Yeah, because that will, as I know we’re not talking, we’re not talking to candidates right now, but that will tell you as much if there’s, the answers are different than anything else. So that is also a red flag. Which brings me to, we actually created a list of red flags, and we’re going through the A process right now ’cause we’re hiring and our HR director is doing pre-screens, phone screens, and one of the red flags is Are you able to work with within bureaucracy and lots of change and indecisiveness and you know. And one, one of the people that’s interviewing said, I just don’t like bureaucracy. I don’t like lots of change. I don’t like indecisiveness, I’m not. And she was like, no, like, because we have our list of red flags. So it’s, it’s an easy way also to sort of get yourself out of the, gosh, I really like this person. I’d like to work with them. If you have that list of red flags that you will allow you to objectively say, probably not the right fit for this job. Chip Griffin: Yeah. And, and the more that you do of this, the more easily you can come up with those things that just, that it, they’re the indication that this may not be the best fit. Yeah. And I always encourage probing just to make sure that, and I prefer to think of ’em as orange flags rather than red flags most of the time. Because most of the time it’s more the accumulation of those things than, than a single one that Gini Dietrich: fair, fair, Chip Griffin: that says, okay, no, this isn’t the right fit. But I also like to probe. And so, you know, in an example like that, I might say, well, well why does that bother you? Why is that a problem? And just kind of see, Gini Dietrich: yeah. Chip Griffin: You know, what their, what their root thinking is, because I mean, chances are it’s not gonna change anything, but it’s always interesting to find out why. I think the other thing, and, and you touched on this in, in, you know, having a, a, an interview guide and all of that, if you’re going to have members of your team interviewing, you need to make sure that you’re educating them on how to do it well. And how to do it without causing problems. Gini Dietrich: Yes. Chip Griffin: And I think I’ve shared this on the podcast before. Yes. But I have seen so many egregious questions in interviews Gini Dietrich: Yes. Chip Griffin: Over the years that create substantial legal and regulatory issues. Gini Dietrich: Yes. Chip Griffin: Please, please, please train your juniors. Frankly, some of you probably need some training yourselves. Gini Dietrich: Yes. Chip Griffin: On how to do this, Gini Dietrich: I was just gonna say yes. Yes. Chip Griffin: In a way that’s not causing problems. Yes. Because the, I mean, the questions that I’ve seen asked in interviews are just off the charts and, and, and so blatantly inappropriate. Gini Dietrich: Do you have some examples? Chip Griffin: Focus on, and, and, and the other thing is focus on questions that, that actually might reveal something that’s useful to you. Gini Dietrich: Yeah. Chip Griffin: You are not, this is not Google. You’re not out there trying to ask, you know, weird mind game questions. Ask straightforward questions. I, I mean, ’cause the other thing Gini Dietrich: if you were a tree, what kind of tree would you be? Chip Griffin: Yeah, I mean, in addition to the inappropriate questions, you just get these dumb ones, right? Where someone, someone read an article and they’re like, oh, you learn so much if you ask, what kind of tree would you be? Really, you just look crazy as an interviewer. Gini Dietrich: Yeah. Chip Griffin: You’ll look like you’ve lost your mind. Gini Dietrich: Yeah. Chip Griffin: Just don’t do it. Have a real conversation. Treat them like a professional. Treat them with respect. Treat them like you would a prospect. Don’t sit there and, and try to play gotcha games. It’s not a quiz show. It’s not. If you want to go on a quiz show and, and you wanna run your own quiz show, fine. Do that. Your interview subjects, that’s not what it’s for. Don’t ask them in Google Analytics, where do you go to do this? Come on, seriously, just knock it off. Gini Dietrich: That’s funny. Chip Griffin: And if you’re gonna, if you’re gonna try to apply tests to people, you gotta pay them. Gini Dietrich: I totally 100% agree with that. Chip Griffin: But you can’t, Gini Dietrich: yes. Chip Griffin: You can’t say, I need you to write a plan for me. Gini Dietrich: No. Chip Griffin: Or write a press release or something like that. Mm-hmm. Mm-hmm. Particularly if it’s for an actual client you have Correct. And you might actually use it. That’s just wrong. That’s, and I see that way too often. Gini Dietrich: Yeah. Chip Griffin: Where someone says, well, I need to evaluate you. I need you to, to do this. On the technical side, I’ve seen people ask to be written to write all sorts of code. Why? Gini Dietrich: Bad idea. I, you know what, actually Reddit is full of, of those like, so I’m interviewing for this job and they asked me to put together a 12 month plan complete with deck and strategy and blah, blah, blah. Is that normal? And I’m always like, no? Chip Griffin: No, Gini Dietrich: don’t do it. I understand the hiring market is tough right now, but no. Chip Griffin: It’s just bizarre. I mean, honestly, I, I would be suspicious of anybody who could put together that kind of a plan based on, you know, 10 minutes of conversation. Gini Dietrich: Right, right, right. Chip Griffin: I mean, and that’s the other thing. You have to be realistic about what kinds of answers you can get from people in these short windows of time. And so it really is… it’s not necessarily about whether you like them, but it’s, it’s trying to get to understand how they think, how they approach things. You can get those big picture senses off of these conversations, but the, the more granular you get with your question, the less likely it is to be a reliable indicator. Gini Dietrich: Yeah. Chip Griffin: And, and you need to, to again, treat it like a real conversation. So to the extent you have interview guides. Please use them. Just look through them and, and use it as, as a, a general format for the questions you might ask. Please do not do as, as. When I used to advise members of Congress and I prepared questions for them for hearings. Some of them would sit there and ask question one, question two, question three. They wouldn’t even listen to what the, the answer was from the witness at the hearing. They wouldn’t listen to what their colleagues had asked. So I, there were any number of situations where a member would read my question. The member previous to them had asked the exact same question, but they weren’t bothering to listen. Or they asked question one, and they move immediately to question number two, even though the person actually answered question number two as part of their response to question number one. Use your brain. Have a meaningful conversation. Do not walk through your, these are the 10 questions I always ask on interviews and just march through them Gini Dietrich: right Chip Griffin: in forced order. That doesn’t make any sense. You, you need to, to have a real meaningful conversation with someone if you wanna evaluate them properly. Gini Dietrich: Yeah. You’re gonna be working with this person eight hours a day. You should have a real meaningful conversation with them. This, that’s ludicrous. Chip Griffin: Alright, so you, so we’ve, we’ve figured out what we need. We’ve done the interviews. So now how do we pick, we, you know, we’ve got, I mean, let’s say we’ve got a couple of finalists. They’re both in our view, viable finalists. They’re, they’re, they both could do the job. What do you weigh most heavily when you’re evaluating one versus the other? How, how do you make that difficult decision? Gini Dietrich: I’m the wrong person to ask that question ’cause it is based on whether or not I like you and that’s probably not the right response. Chip Griffin: I mean the, there has to be an element of that, particularly in a small agency. Right. You know, you Yeah. If you just, if if you, if you don’t get the right vibe off of someone and you’re like, ah, this just doesn’t… listen to yourself. Gini Dietrich: Yeah. Chip Griffin: Right. If, if you don’t enjoy having the conversations with that person during the interview process, Gini Dietrich: it’s not gonna get better. Chip Griffin: And maybe you say, well, but they’re, they have all the skills. They have all the connections. They know what they’re doing. Oh, it’d make my life so easy. Listen to yourself there. And that doesn’t mean that you have to have that, you know, you need to hire people that you want to go out and have a beer with after work or something like that. But, you know, you’ve gotta feel like, I could talk to this person Gini Dietrich: Yeah. Chip Griffin: An hour or two a day and I, I wouldn’t lose my mind. Gini Dietrich: Yeah. Chip Griffin: Don’t ever say they’ve got so much talent. I’m gonna ignore that. Gini Dietrich: Yeah. Never, because I, the way I think about it is, and the same thing with clients, I would say it will, it gets to the point that I’m gonna end up canceling meetings with this person or with this client. If the answer is yes, then it’s not the right fit. Chip Griffin: Yeah. I mean, and, and the flip side is true too. Going to your point very early in this conversation, if you, if you are enjoying your conversation with that person, don’t overlook the fact that they don’t actually have the skills Yeah. That match up. Mm-hmm. Or, you know, they are under, it will bite you, underqualified or overqualified for the role. They still need to be a fit for the role. No matter how much you enjoy uhhuh your conversations with them or how smart you think they are, Uhhuh, that they may be a good fit for your organization at some point in some role, but it may not be the one you’re hiring for now. Mm-hmm. So make sure that you’re clear with yourself and don’t talk yourself into something. I, I see this a lot where people will get through the hiring process and they find someone that they really like and they’re like, well, they’re not really a fit for this role, but I could see them doing this or that. It’s okay to be flexible, but make sure that whatever this or that is, is really something you need. And you’re not talking yourself into an additional expenditure or putting yourself in a position where, yes, you’ve got that person, but now you still have to hire for this other role. You, you may make things more difficult for yourself in that. So make sure that you’re always going back to what did you say you needed? And if we’re deviating from that, why? And is it, is it a sound business case for making that decision? Gini Dietrich: Yeah, absolutely. Learn from me. Don’t make those mistakes. It costs a lot of time, a lot of money, and a lot of angst. It burns, some bridges. Learn from me. Chip Griffin: And, and also throughout the interview process, and I think we’ve talked about this on the, the show in the past before start thinking about those interview conversations, the hiring conversation where you’re making the offer. Think about all of those as part of the onboarding process. Because it really is a seamless transition or should be a seamless transition into the onboarding and ultimately retention. I mean, when, when we talk about retaining employees, it goes back to how the interviews went. Absolutely. The questions you asked, the way you handled yourself, all of that impacts things that will happen 6, 12, 18 months down the road or even more. Yeah. And so you need to be mindful of that and thinking about how would this person perceive the questions we ask, the process we follow, are we frankly canceling a lot of times on them during the interview process. You need to treat them with respect, if you want to be treated with respect, if you want to build a lasting relationship. So think about all of that at every step of the hiring process, from that first interview, to the last interview, to the offer, et cetera. Gini Dietrich: Absolutely, yes. It’s very, very, very important for you to be organized and prepared. Hire slowly. Those will be the things that save you from a hiring perspective. And like I said, learn from me and don’t always hire just people you like. Chip Griffin: There you go. But don’t hire people you dislike either. Gini Dietrich: So well, sure. But they also have to have the skills to do a good job. Chip Griffin: All right, well I guess with that, we’ll let you keep your job for now, so Gini Dietrich: Well thanks. Thanks. I appreciate it. Chip Griffin: On that note, we will draw this episode to a close. I’m Chip Griffin. Gini Dietrich: I’m Gini Dietrich, Chip Griffin: and it depends.

12.3.25 Hour 2 1:00- So, it turns out that everyone was WRONG about Marcus Mariota's last name and we were wrong this entire time. 23:20- We make our case for our guy Brian Mitchell and Joe Jacoby to get their spot in the NFL Hall of Fame! 34:00- What's going on in our lives that has nothing to do with sports?

1:00- So, it turns out that everyone was WRONG about Marcus Mariota's last name and we were wrong this entire time.

SEASON 13 EP 48 - Correct Aligned Faith by Jeremy Lopez www.identitynetwork.net 

The international Fresh Produce Association is a trade group with the mission of helping businesses at every step along our food supply chain.

2nd Date Update: Kate was singing "That Don't Impress Me Much" but was she correct in her assumption? full 405 Tue, 02 Dec 2025 12:40:00 +0000 02WevmnRNcaxO6MfhAPiihJ85EBqCYtT music Thunder & PT Repeat music 2nd Date Update: Kate was singing "That Don't Impress Me Much" but was she correct in her assumption? The best audio segments and bits from this week on the Thunder and PT show! If you could not listen to the show, check out the weekly repeat podcast! 2024 © 2021 Audacy, Inc. Music False

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  

Well, hey there. Welcome back. Redefining Friction: Physics vs. Process What does friction mean to you? For most of my life, friction has just simply described a physics concept in which something rubs against something else in some way, causing a slowdown and causing heat. But now, and now is variable depending on what sector of work you’re in. Friction describes the same thing, but it’s metaphorically for processes. And you know, I’m all about systems and processes. Intentional Friction in App Design Here’s an example. In the new app I created that allows you to get stuff done. When you add to-do items, you can actually swipe them forward into the future. So, if you swipe it to the right, it appears on tomorrow. There’s also an arrow that you can hit to go to the next day and the next day and the next day. So, if you want to place something, let’s say a week ahead of time, you actually have to hit that button seven times. Friction. And people could say, “Well, Mark, what if I want to push something 25 days into the future? I have to hit that button 25 times.” Correct. It’s friction by design. I want it to feel like you are putting it off all that time because if I didn’t do that, you could just type in a date or use a selector to grab a date and go there. It’s gone for a month and a half. Well, if you’re pushing something that far into the future, it should really be a calendar item. But if you’re pushing something into the future, it should feel like you’re pushing it into the future. In building this app, I learned a lot about intentional friction. I learned a lot about removing it, which is what I always try to do in any process I create. But I also learned about where it’s actually appropriate. My Typewriter: Friction to Prevent Failure I have a vintage Remington number 12 typewriter. I actually wrote my first story on it. And no, I’m not that old because it was created in the 20s and 30s. Every key is connected to a rather slender, thin piece of metal that has a little hammer at the end that matches the key that you hit. When you hit the key, it swings upward and hits the ink tape and creates the image onto the piece of paper. Now, on a piano, the keys do something similar. They have hammers that hit strings. On a piano, though, all those keys and hammers are parallel. You can hit as many keys as you want and they’ll all hit at the same time and not interact with each other. Not so for the typewriter. If you hit two keys at once, they will try to meet each other at the very top and they can get entangled. There’s an old tale about the design of the keyboard, which is the modern one we use today, being designed so that you would type slower. It actually was a designed to intentionally create a lot of friction and slowing you down. Well, so the truth is it’s not exactly like that. Yes, it does slow you down, but the reason being is they tried to separate certain keys so that you wouldn’t easily hit two of the keys that would smash into each other. Again, intentional friction. Identifying Unintentional vs. Intentional Friction One of the most exciting things for me is that when I’m introduced to a process, a system, whether it’s a person and how they conduct their life and try to get things done or an actual business and their systems in place is when I find unintentional friction. I find something in place that slows something down. They go down an avenue. They go instead of going ABC, they go A X Z B and then they come back to C and and we’re able to remove that and say no ABC. See, no more friction. But you have to respect the friction that’s in place because some of it’s intentional. Now, some of it works that it’s worked itself into it to be intentional. And you can look at a process and think, well, that’s inefficient. We’ll just do this. But if you remove the intentional friction, you can find that the system will actually break. Why Some Processes Need to Be Slow: Divorce & Marriage Let’s use another fun example. Oh, let’s say divorce. If someone wants to file for divorce, they don’t make a phone call. And then the people on the other end say, “Hey, thanks for calling. Why don’t you guys just pop down? We’ll take care of that.” The friction that’s in place typically is that you fill out a bunch of paperwork and then they place something on the calendar and they sort of hope that you don’t show up for it because if you don’t it gets removed from the calendar and the divorce isn’t even happening. That’s intentional friction to make it harder for people to just say, “Yeah, I don’t want to do this thing anymore that I said I would do forever.” I’m not in any way, shape, or form disparaging people who have gone through a divorce, but that is the system in place, and it does make some sense. And the same, of course, is true for marriage, for getting married. Now, granted, you can do drive-through marriages in Vegas and so forth, but that gets to something that I talked about in my podcast episode called become ceremonious. And when you have a ceremony attached to something, it slows it down and it makes it more important. It creates more friction. And again, your mind might be saying, “Well, that’s not a bad thing.” No, friction is not a bad thing. It’s a neutral thing. Just like the monsters and unicorns you may have learned about recently. As human beings, we have speeds. We slow down. We speed up. And again, there’s a podcast episode on the the speed of your life. And many times we talk about that. We say slow down, you know, take time to smell the roses and all that stuff, you know, apply some friction. Apply some friction, slow down and do that. Applying Friction to Relationships and Work One final example is the sword and the sunflower. It has a lot of friction in it. It It is a slow read. It’s a slow read because if you pay attention, you get a whole bunch of payoffs. When I wrote it, did I say, “Oh, I’m going to put some friction in here.” No, that was just the way it was written. Let’s talk about you. You may have some business processes in place or a way the reason or the way that you cook the way that you do. Or when you approach relationships with someone, you may introduce intentional friction to slow down the beginning of the relationship. So maybe you can savor it and enjoy it and make sure it’s the right thing for you to do. This may be applied directly also to new hires at your company where there’s a certain amount of friction to make sure they’re the right person for the job or even when introducing a new task, a skill, responsibility to someone in your workplace. There’s some friction involved in that. And you may be thinking right now, wait a second, there’s no friction at all. People are kind of like floundering. Maybe this is why people are floundering. We just sort of let them go with that. we don’t push back a little bit or apply friction. And you’ll find the paradox of like slowing something down in that way or applying friction can actually make it a better thing. And that’s one of the eye opening things of really discovering the friction in your life is when you discover the things that are slowing you down or in place intentionally. This intentional friction I mentioned and how what a wonderful thing it is. Taking Action: Evaluating Friction in Your Life So, as always, we raise your awareness about something and then we say, well, what are we going to do about it? And I would say the what are we going to do about it part is you should look at your life and look for intentional and unintentional friction. the way that you deal with your kids, the way that you prepare prepare meals, the way that you deal with your spouse or loved ones or friends, the the way that things are done in your workplace, the stuff you have control over, and the stuff you don’t have control over. And you may find that you are intentionally going around friction that you feel unnecessary in your workplace. No, I don’t fill that out. No, we just sort of skip that form. It would behoove you and give you a much more enjoyable life to remove the unintentional friction and respect the friction that’s in place. You may even find that, hey, there’s a place in my life where I need to put more friction. Now, if that sounds crazy, you could say, well, it’s way too easy for me to run to the refrigerator and grab that stuff that makes me not so thin. So, if there was friction between you and the refrigerator, friction between you and accessing that, then it would be harder for you to overeat or go off your diet. Actionable Homework with CheckMark™ If you’re using CheckMark™, my productivity app, you’ll find this episode listed under the episodes list on the dashboard. And here’s something really cool. You know, I mention homework in these episodes a lot where you pause it or what have you. I really hope that people think about them later and so forth, but I can’t exactly expect people to like whip out a notepad or what have you. Now, you don’t have to. If you go to the project library screen, you’ll find the this episode and all you have to do is click on it and hit start project and all the homework or things you need to think about from this episode will automatically be applied to your clipboard. Boom. Instant actionable episode notes. pretty cool stuff. So, thank you for listening as always and take care of yourself and I will see you again. This had been entered into the CheckMark projects list!

Hear award-winning columnist Dejan Kovacevic's Daily Shots of Steelers, Penguins and Pirates -- three separate podcasts -- every weekday morning on the DK Pittsburgh Sports podcasting network, available on all platforms: https://linktr.ee/dkpghsports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this fourth part of this series, Pastor Caleb discusses the importance of God-ordained ministers being spiritual fathers who raise Christians up as disciples.  Many people may have instructors or teachers, but every Christian needs a spiritual parent to help them mature and grow in a personal relationship.  Without a pastor, a person tends to have less influence and help to stay on track with God.  Send us a textSupport the showFor more information for our church visit AGCSparta.org.

Tis the season we've all been waiting for, and the question that remains is simple: When is the right time to put up your Christmas tree? Is there even a right time? Well, Darren, Sky and Carmen took to KZN to find out when the perfect time is, and it turns out, you might be late to the party... Webpage

In this fourth part of this series, Pastor Caleb discusses the importance of God-ordained ministers being spiritual fathers who raise Christians up as disciples.  Many people may have instructors or teachers, but every Christian needs a spiritual parent to help them mature and grow in a personal relationship.  Without a pastor, a person tends to have less influence and help to stay on track with God.  Send us a textSupport the showFor more information for our church visit AGCSparta.org.

In this episode, AJ and Chris dig into a playful but insightful exploration: What would happen if an outsider spent a weekend in Bellingham guided solely by web searches or AI?Fresh off a Portland conference with heavy AI themes, AJ tests what “SmackGPT” thinks a weekend in Bellingham should look like across five traveler personas: the Local Explorer, Family Adventurer, Mindful Explorer, Camper, and Lux High Roller (exact output posted below).The gents review, refine, and sometimes hilariously correct the AI-generated recommendations, offering their hyper-local expertise on food, lodging, hikes, coffee shops, costs, and hidden gems. Along the way, Amtrak stories, camping advice, critiques of $10 gas estimates, and an update on the infamous “mics on sticks” recording setup.It's a mix of travel guide, tech commentary, and classic Bellingham banter all better than any bot.

1 He who is often rebuked and stiffens his neck will be destroyed suddenly, with no remedy. 2 When the righteous thrive, the people rejoice; but when the wicked rule, the people groan. 3 Whoever loves wisdom brings joy to his father; but a companion of prostitutes squanders his wealth. 4 The king by justice makes the land stable, but he who takes bribes tears it down. 5 A man who flatters his neighbor spreads a net for his feet. 6 An evil man is snared by his sin, but the righteous can sing and be glad. 7 The righteous care about justice for the poor. The wicked aren't concerned about knowledge. 8 Mockers stir up a city, but wise men turn away anger. 9 If a wise man goes to court with a foolish man, the fool rages or scoffs, and there is no peace. 10 The bloodthirsty hate a man of integrity; and they seek the life of the upright. 11 A fool vents all of his anger, but a wise man brings himself under control. 12 If a ruler listens to lies, all of his officials are wicked. 13 The poor man and the oppressor have this in common: Yahweh gives sight to the eyes of both. 14 The king who fairly judges the poor, his throne shall be established forever. 15 The rod of correction gives wisdom, but a child left to himself causes shame to his mother. 16 When the wicked increase, sin increases; but the righteous will see their downfall. 17 Correct your son, and he will give you peace; yes, he will bring delight to your soul. 18 Where there is no revelation, the people cast off restraint; but one who keeps the law is blessed. 19 A servant can't be corrected by words. Though he understands, yet he will not respond. 20 Do you see a man who is hasty in his words? There is more hope for a fool than for him. 21 He who pampers his servant from youth will have him become a son in the end. 22 An angry man stirs up strife, and a wrathful man abounds in sin. 23 A man's pride brings him low, but one of lowly spirit gains honor. 24 Whoever is an accomplice of a thief is an enemy of his own soul. He takes an oath, but dares not testify. 25 The fear of man proves to be a snare, but whoever puts his trust in Yahweh is kept safe. 26 Many seek the ruler's favor, but a man's justice comes from Yahweh. 27 A dishonest man detests the righteous, and the upright in their ways detest the wicked. Listen Subscribe: Proverbs Daily Podcast Psalms Daily Podcast

This is our last episode of Our Opinions Are Correct... but please stay subscribed to our feed, because you'll hear from us again. We're sad to be stepping away, but we're proud of seven years of correct opinions. And we're using this moment to think about the state of science fiction and fantasy in the twenty-first century, and what might be coming next. Shownotes: www.ouropinionsarecorrect.com/shownotes

*. REPUBLISHED with the CORRECT audio, sorruy about that!!! *There are Two Ways to Live Life; as a victim of circumstance or as the badass you really are. My guest this week, Erin Brennan, has lived by and embodied this mantra throughout her life.  She reminds up that the choice is ours - you can react to life's curveballs or you can grab them and throw them back. Because when you embrace the unknown, you play by your rules. Erin is a Creative Consultant who blends the worlds of brand strategy, design thinking, linguistics, neuroscience, and a few other things to help her clients move mountains. She also believes in magic and tries to sprinkle it into the lives of others often. On this week episode, Erin and I have way too much fun talking entrepreneurship, tapping into our authentic creativity, and why It takes guts to stand out. Even more so to stand still long enough to hear what your soul's been trying to say. Erin shares how uncertainty can hold us back, but what if it's the key?  Erin talks about her lifetime of navigating chronic health issues: getting sick at 16 and diagnosed with a genetic disorder that made her confront who she wanted to be and how she wanted to live her life early on. And a fellow traveler, she speaks of traveling around the world, packing up everything sge owned and spend 3 years living out of a suitcase traveling the world.BIO:Erin Brennan believes the best way through life's messiest moments is to embrace them. With a subtle shift in perspective, she invites you to find possibility in the unknown, if you're brave enough to show up and say yes. Her work challenges you to swap certainty for curiosity. Through her decision-making frameworks, Erin helps you shift unconscious belief patterns using a combination of psychology, linguistics, neuroscience, quantum physics (and magic) to find freedom from fear and uncertainty to reclaim your power.It was her own journey, navigating serious health challenges, starting her own creative agency in 2010, and pursuing a life on her own terms, that she learned, on the other side of fear is freedom. Erin is currently working on her first documentary, asking: What if chasing your wildest dreams meant staring down your biggest fears? Erin is known for delivering tough love, unfiltered honest insights, and just enough magic to help people get out of their own way to live life on their own terms.Erin Brennancreative consultant** NEW WEBSITE **Documentary Link: https://www.averageerin.com/ type // erin@brennanbrand.comdial // 415.496.9825browse // www.erinbrennan.co

Lucious Lowe never saw his empire, but his son and son-in-law figured out how to give the customer what they needed. Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not-so-secret techniques that took famous businesses from mom-and-pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… Well, it’s us, but we’re highlighting ads we’ve written and produced for our clients, so here’s one of those. [OG Law Ad] Dave Young: Welcome back to the Empire Builders Podcast. I’m Dave Young, Steve Semple’s here, and we’re going to talk about another empire. Stephen Semple: Another one. Imagine that. Dave Young: And it’s another one of these big boxes. Stephen Semple: Yes. Dave Young: So this is brick and mortar big box store. And so there’s two things. One thing I love, one thing I hate about big box stores in this category. I used to love going down to my local hardware store and just tooling around. Stephen Semple: Yeah. Dave Young: And I guess you can still do that, but there’s something about some old guy walking up and chatting with you about what you could maybe buy or not. Stephen Semple: Yeah. Dave Young: And so Lowe’s is our subject today. Stephen Semple: Yes. Dave Young: I’m interested to see how they started. And again, I love shopping at Lowe’s, I hate shopping at Lowe’s, for two different reasons, right? Stephen Semple: Yeah. Dave Young: The variety. It’s all there. Stephen Semple: Yes. Dave Young: The old guy that knows every piece of hardware in the store. Good luck finding that person. I mean, they may be there, they may not. It’s hit and miss. Stephen Semple: Yes. So the first Lowe’s, of course, started as one of those old-timey hardware stores. Dave Young: Sure. Stephen Semple: It was a 3000-foot store in 1921 in North Wilkesboro in North Carolina by Lucius Smith Lowe. That’s basically the first Lowe’s was way back in 1921. Dave Young: Lucius Smith Lowe. Okay. Stephen Semple: But the success of Lowe’s actually did not come from Lowe, but rather an in-law named Carl Buchan, who came on the scene in 1943. Dave Young: Okay. Stephen Semple: So when Lucius died in 1940, the business was inherited by his daughter, Ruth Buchan, who then… Now, I was not able to find the family story on this, because I find this interesting. It was inherited by the daughter, who then sold the company to her brother, and I always thought, “Why’d the brother not inherit the business?” Dave Young: Right? Stephen Semple: Now, I also get why she probably sold it, because as we know, one of the really big problems, especially back in the 1940s, was women couldn’t get credit, and it was very, very, very hard in the forties for a woman to actually run a business. So I also understand why she sold. Dave Young: Yeah. Yeah, and weird estate planning goes on that you don’t know why they did what they did. Right? Maybe the son had an insurance policy. Right? Stephen Semple: Who knows? Who knows? Dave Young: I don’t know, but maybe he got… Who knows? Stephen Semple: Now, at the same time, when she sold it to her brother, her husband, Carl, ended up becoming a partner in the business. Dave Young: Okay. Stephen Semple: So it was this really weird, father dies, it goes to the daughter, the daughter sells it to the brother, and the husband ends up becoming a partner. Dave Young: Who knows about the transactions inside family businesses, right? That’s a… Stephen Semple: Right? All I’m just saying is, if it sounds weird, it was. Dave Young: Yeah. Stephen Semple: That’s all I’m saying. But moving forward, what’s really incredible is today, Lowe’s is 1700 locations doing 80 billion in sales. So it is- Dave Young: That’s not nothing. Stephen Semple: That’s not nothing. That’s not nothing. But back in the early forties, hardware stores did not have building supplies. They didn’t have plywood, they didn’t have… They didn’t have building supplies. Dave Young: Yeah, yeah. You went across to the lumber yard to get that stuff. Stephen Semple: Correct. Correct. Dave Young: Yeah. Stephen Semple: And so one day Carl gets this deal on toilets, and he decides to buy a whole pile of toilets. When I say a whole pile, the whole truckload, which was 400 toilets. Dave Young: Okay. Stephen Semple: And James? James Lowe comes in the office one day and he’s like, “Toilets in the office.” And he says, “Carl, why is there toilets in the office?” He goes, “Well, I bought 400 of them and I ran out of space, so they’re sitting in here.” And he’s like, “We don’t sell toilets.” He goes, “Well, we are now, because we got 400 of them.” Dave Young: “Yeah, we sell toilets. Sell them or else.” Stephen Semple: “[inaudible 00:05:20] now!” So, “Yes we are.” And what turns out is that they sell out really quickly. And Carl looks into this a little bit more and he sees this trend. Right? Think about it. It’s 1946. What’s happening in the United States? There’s a building boom. Right? The number of homes being built has grown 10 times over the last three years, because we got the baby boom happening. We got the return of the soldiers, we got the baby boom, we got the sprouting up of the suburbs. That part is growing. So they sell out these toilets in like a week, and so he wants to open a second store. He goes, “Look, here’s what I want to do. I want to open a second store and we’re going to sell everything for building and fixing a home. Everything. We’re going to turn specialty stores into one shop.” So in other words, you don’t have to go to the plumber… you know. Look, this is another variation on the department store and the convenience store. Dave Young: Absolutely. Stephen Semple: So Lowe agrees, and they invest a hundred and sixty thousand dollars in the second store, and it’s a 10,000 square foot, so they’ve gone from 3000 square feet to a 10,000 square foot store in Spartan, North Carolina. Dave Young: And so yeah, we tripled the size. It’s all the space we’ll ever need. 10,000 feet. Stephen Semple: Right. So it’s 1949, and literally customers are coming. Yeah, that’s right. It’s 10,000 square feet. I missed that for a minute. Yeah, yeah. Hold that thought. Dave Young: “Hang on.” Stephen Semple: Hold that thought. So it’s so popular, they’re actually finding customers are coming from states away from, outside of North Carolina. So Carl wants to open a third store, and Lowe doesn’t want to. He doesn’t want to grow this thing. Dave Young: Isn’t it amazing that the whole company’s not called Carl’s instead of Lowe’s? Stephen Semple: Well, here’s what ends up happening. Lowe says, “Look, I don’t want to do this. Why don’t you just buy me out?” Carl buys out Lowe, but says, “Well, let’s keep the name.” Dave Young: Yeah. Stephen Semple: “Let’s keep the name.” Dave Young: Yeah, that’s smart. You got equity there. Stephen Semple: Yeah. So in 1952, Lowe is bought out, but they keep the name. And it expands rapidly. They quickly open 13 more stores. [inaudible 00:07:27] Dave Young: Oh, wow. See, I did not know they were this old. Stephen Semple: Yeah. So it starts growing like crazy, but then they hit a problem. After six years, profits stall. Dave Young: Oh, okay. Stephen Semple: What he notices is, he’s been focusing on opening stores, but not focusing on the buying experience. And if you went into a Lowe’s at that time, it was super disorganized. Stuff was just all over the place. Dave Young: Okay. Stephen Semple: And so it was not appealing. So he hires Bob Strickland, marketing guy. Bob points out that people come in to get what they need, but what if we were able to make them to stay and buy other things? Like instead of an oven, how about a whole kitchen? Dave Young: Sure. Stephen Semple: So he says, “Let’s be like a department store.” They looked at how Sears was laid out, right? There was these departments. Dave Young: Yeah. Stephen Semple: And basically this is the model that they created, which is really the template that all these big box home improvement stores are built on. Here’s the appliance section, here’s the flooring section. Dave Young: Yeah. Stephen Semple: But it didn’t just have flooring. It had, okay, along with the flooring, the caulking and the this and the… Dave Young: Yeah. Stephen Semple: All the things that you need with it. Dave Young: So take those toilets out of the power tool section and put them where they belong. Yeah. Stephen Semple: Yeah. So they create this template that they’re going to roll out, and before they’re ready to roll it out, Buchan passes away. Dave Young: Oh no. Stephen Semple: And so now it’s up to Strickland to open with the new idea. So Strickland takes the ideas. He opens five stores on it. They’re super successful. In two decades they got a hundred and eighty stores, 1978 they’re the largest in the region, 1979 they’re 200 stores, and they just grow and grow and grow and become what they are today. But Lowe’s basically built this idea. The two innovations Lowe’s did was built this idea of, “We should have a store that’s dedicated to home improvement,” because they saw the trend on it. And then they created this whole idea of looking at department stores and saying, “This is how a home improvement store should be organized.” Dave Young: Yeah. Stephen Semple: That template? That template, that idea that every one of these big box home improvement stores is built on, was created by Lowe’s. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories to Sell Ad] Dave Young: Let’s pick up our story where we left off, and trust me, you haven’t missed a thing. Stephen Semple: … that idea that every one of these big box home improvement stores is built on, was created by Lowe’s. Dave Young: Well, and so the reason I didn’t know about them when I was younger is that they started in the east and slowly moved west. Stephen Semple: Yeah. Yes. Dave Young: And I don’t know where Home Depot started, but in the Rocky Mountain West and Western Plains, there were Home Depot stores long before there were any Lowe’s stores. Stephen Semple: Yeah. Yeah, yeah. Dave Young: So it’s just a matter of growth at that point then, right? Stephen Semple: Right. Dave Young: They figured out the formula. Stephen Semple: They figured out the formula, and then it’s just grow, grow, grow. Dave Young: I’m guessing that, yeah, Home Depot probably has a similar story. Either they copied Lowe’s or they figured it out themselves that this is the right way to do a big box home improvement store. We going to do that one sometime? Stephen Semple: Well, I don’t want to say much, because we are going to do… Oh. Dave Young: Okay. All right. I’ll hold that for another day. But- Stephen Semple: Well, what ends up often happening when I’m researching these things, there’s no way to do it without learning about both. Dave Young: Sure. Stephen Semple: So often that’s the reason why when we’re doing these, there will be two in a category, because you learn about both of them at the same time, because they have kind of a shared history, right? Dave Young: Well, and those guys absolutely copy each other. Right? Stephen Semple: They did. Dave Young: I think we go back, I don’t know what episode it was, but we talked about Cabela’s, and then we sort of told the story of them being eventually bought by Bass Pro. Stephen Semple: Right. Dave Young: And the [inaudible 00:12:08] Bass Pro, I think… Well, at least according to the people that I knew at Cabela’s, they were the first ones to build this giant experiential store. Right? Stephen Semple: Well, in Sam Walton- Dave Young: And so… But that gets copied. And Sam Walton, same thing, right? Stephen Semple: Well, Sam Walton has openly stated that he stole a lot of his ideas from Sol Price. Dave Young: Yeah. Yeah. Stephen Semple: He has come right out and said that. He’s like, “Oh yeah, I always watched what this guy did, and I’d always keeping my eye on him, because he was brilliant.” Right? Dave Young: Yeah, I mean- Stephen Semple: Who was the founder of Costco. Right? So. Dave Young: At the end of the day, these are just sharing good commerce ideas. Right? Stephen Semple: Yeah. Dave Young: Nothing new under the sun here. Stephen Semple: Yeah. Dave Young: There’s a reason that every ancient city has a bazaar, a marketplace where they all gather, right? You make it convenient for consumers by, even though you’re 10,000 little competitors, you’re all in one place. Stephen Semple: Yeah. What I really liked, again, about this story, was Lowe saw a trend going on in the United States, and the trend was, “People are building these homes, and so there’s going to be more demand for home improvement stuff. How do I make it easier?” Again, that theme of, “How do I make it easier for the consumer? Wouldn’t it be so much easier for the consumer if it was this one stop?” Dave Young: Yeah. [inaudible 00:13:29] Stephen Semple: Now, the other thing I thought that was brilliant is that when the profits stalled out, he didn’t flip to, “I need more leads, I need more customers.” He didn’t go there. He went, “Oh, if this has stalled out, there’s something I’m doing wrong inside my four walls.” Dave Young: Yeah, yeah. Stephen Semple: And he looked at the experience and he said, “Okay, I’ve already got customers. What I need to do is if I make that experience better, the customers will return more often and will spend more.” I remember going to a presentation from the folks from Barnes and Noble, and Barnes and Noble talking about how they… And Ikea’s the same. They would measure how long somebody was in the store. Ikea’s amazing at this. And what they know is, the longer you’re in the store, the more you spend. Period. So what’s their whole objective is “I’m going to keep you in the store. How do I do that? I’m going to put a restaurant in. I’m going to put in a place where you can stick your kids to play. I’m going to make it so that you’ve got to walk the maze.” The point is, the longer you’re there, the more you’re going to buy. And not only that, Ikea’s figured out, “If I display these things this way, people will stop and look at it,” so that they do move through the stores slower. Dave Young: Yeah. You- Stephen Semple: But Lowe’s really caught into- Dave Young: And there’s sort of a logical progression to it. Stephen Semple: Right. Right. Dave Young: Yeah. Stephen Semple: So Lowe’s created that idea of “Let’s do this one stop shop.” And then the next one was, “Okay. Now that we’ve made this idea more convenient, let’s now make this idea more enjoyable and also more convenient, because there’s all these ancillary things that you need when you’re doing that in the moment. Let’s put all that stuff together.” Dave Young: Well, and you bring designers in because if you’re coming in for all these kitchen products- Stephen Semple: Yeah, absolutely. Dave Young: … maybe you don’t know how to put that all together and make it look good. Stephen Semple: Yeah. Yeah. Dave Young: Right? So here’s you’re somebody that can help you lay it out. Stephen Semple: Yes. Dave Young: And then they can sell you all the materials that either you or your contractor need to make it happen. Stephen Semple: Now what we know is, David Young is going to leave this talk with an even more love-hate relationship of Lowe’s. Am I right? Dave Young: I’m not remodeling anything. No, I love walking around a Lowe’s. I find it hard to… If I need some adhesive, I need some Gorilla Glue or something, and I walk into a Lowe’s, two things are going to happen. Unless I’m in just a blazing hurry and I’ve left someone in the car with the car running- Stephen Semple: Yeah. Dave Young: … I’m going to just wander around. Stephen Semple: Yeah. Dave Young: And I’m likely to walk out with something else besides the glue. Along with the glue. Stephen Semple: Correct. Yes. Dave Young: Sometimes without the glue, because I forgot why I went in. Stephen Semple: Oh God, yeah. Dave Young: But that’s a whole different psychological thing. We just finished talking about that at my portals class this week. Stephen Semple: Oh yeah, [inaudible 00:16:25] Dave Young: Tell you about that sometimes. That was fun. Stephen Semple: It’s a thing. It’s a thing. Dave Young: We had a blast. Yeah. Wow. Lowe’s. Stephen Semple: Yeah. There you go. Dave Young: Now I’m thinking in my head, what do I need? You know, near Wizard Academy, we’re not really close to a Lowe’s. You’ve got to drive 20 minutes or so to get to a Lowe’s. Stephen Semple: Yep. Dave Young: But about 10 minutes, 15 minutes away is independently owned Ace Hardware store. Stephen Semple: Yep. Dave Young: And I love that one too. Right? Because if you’re really just looking for a tool or some little hardware bits and bobs, you’ll always find it there. Right? [inaudible 00:17:02] Stephen Semple: Yeah, well, because Ace is the place with a helpful hardware man, right? Dave Young: Yeah. And they’re helpful because they’re locally owned. So there’s always somebody in there that can, “This is not the glue you really want. You want this.” Stephen Semple: Right. Right. Dave Young: “Oh, I thought I just wanted Gorilla Glue.” But this guy knows. Stephen Semple: Right. Dave Young: So it’s two different experiences, and a lot of your choice in it is based on experience. Stephen Semple: Yeah, yep. Yes. Dave Young: I mean, shoot. When we lived in western Nebraska, they eventually got a Lowe’s, but they had a Home Depot first in Cheyenne, Wyoming. We were a hundred miles from there. Stephen Semple: Right. Dave Young: And there was a lumber yard in Sydney, and there was a hardware store in Sydney, and we would drive to Home Depot a hundred miles away. Stephen Semple: Yes. Yes. Dave Young: Because one, we could find any of it there. Stephen Semple: Yeah. Dave Young: And two, Cheyenne also had a Starbucks and a Baskin-Robbins and a… right? Stephen Semple: That’s the other thing that starts to end up happening, is you get one of these, and then the other things sprout up around that. Dave Young: Yeah. Yeah, you rarely see one off by itself somewhere. Stephen Semple: Yeah. Well, that’s the reason why you would see a movie theater, and then the restaurants go. Dave Young: Yeah, yeah. Stephen Semple: These things happen. But yeah. But you know, I was pretty impressed when I heard the history of Lowe, and also thought it was really interesting looking at this department store and bringing it across. And again, it’s that idea. Dave Young: Yeah. Stephen Semple: “Who outside of my world is doing this really well?” Dave Young: I kind of wasn’t surprised that their origin goes back as far as it did, because I think you always are going to assume that that started as a little hardware store somewhere, or a lumber yard. Stephen Semple: Yeah. Dave Young: But I was surprised that they started that growth curve as soon as they did. Stephen Semple: Yeah. Dave Young: Right? Stephen Semple: Yeah. Dave Young: So they were really the pioneers in that. So. Stephen Semple: Yep, and the key is you didn’t need more than 10,000 square feet, as you pointed out. Dave Young: Yeah. Well, you do today. Stephen Semple: Some of them are like, “Holy crap.” Yeah. Dave Young: You need 10,000 square feet in the kitchen part. Stephen Semple: No kidding. No kidding. Dave Young: All right, well, thank you for bringing that story, Stephen. I like that. Stephen Semple: All right. All right, thanks David. Dave Young: And congrats, Lowe’s, on decades and decades of money making as an empire. Stephen Semple: Yeah. Yeah. Awesome. Thanks, man. Dave Young: Thanks. Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app, and leave us a big fat juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire building session, you can do it at empirebuildingprogram.com.

Family "Fued" - The Bitzers vs. The Christophers! Some Thanksgiving inspired gameshow fun during It Takes 2... Family "Fued", Who Wants To Be A Gazillionaire and The Price is Correct. See omnystudio.com/listener for privacy information.

Copyright © The Complex Collective 2025 The Festival Project, Inc. ™ All rights reserved. Chroma111. Copyright © The Complex Collective 2025. [The Festival Project, Inc. ™] All rights reserved. UNAUTHORIZED REPRODUCTION OR DISTRIBUTION IS STRICTLY PROHIBITED BY LAW.

In this episode, you will hear a Daily Reminder from Ji Kwang Dae Poep Sa Nim about Chung An, which is the correct view, or in other words, the eyes of Buddha. This is a very valuable teaching.Thank You very much, Ji Kwang Dae Poep Sa Nim.Good insights,Yours in the dharma, Gak Duk

As we finish up our study of 1 John Pastor Dustin Clegg walks us through 1 John 5 and we discuss what "(Re)birth Marks" look like:1) Belief in Jesus that leads to loving what & who He loves.2) Correct confession about Jesus the Messiah.3) Confidence in the King, His will, & His ways.

Can you find and correct the mistakes in Ben's sentences?Patreon: patreon.com/learnenglishwithben - For transcripts, comprehension quizzes, and video tutorials, join the fan club.Buy Me A Coffee: https://buymeacoffee.com/learnenglishwithbenInstagram: instagram.com/learnenglishwithbenWebsite: learnenglishwithben.comEmail: learnenglishwithben88@gmail.com - send me an email if you're interested in classes Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

The latest Fed minutes show a deeply divided committee but a clear signal: no December rate cut is coming. Markets reacted fast, sending Bitcoin tumbling to new lows as leveraged traders piled in and ETF investors pulled out. NLW unpacks what the minutes reveal about the economy, why rate expectations are shifting, and how this is shaping crypto's end-of-year outlook—including Kraken's IPO filing and a major Bitcoin bet from Abu Dhabi. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

11.21.25 Hour 4 1:00- It's time for ask B-Mitch anything where you get to ask the legendary B-Mitch... ANYTHING! 20:00- B-Mitch tells you the correct way to cook Gumbo, straight from scratch.

Hormone replacement therapy education is all the talk these days. But how do you cut through all the noise and get the right care for you?  Expert in the field, Dr. Sarah Daccarett joins the podcast to get straight to the point about how the CORRECT hormone replacement methods can do more than just symptom management. We want you to feel GOOD in midlife, not just symptom-free. A lot of providers aren't knowledgeable or confident enough in HRT options, leaving you with a one-size-fits-all treatment plan. And sadly, this causes thousands of women to be totally underdosed.  But Dr. Sarah offers something different that can potentially give some standardization for you. You can get predictable products and services at her company, Inner Balance. With a clinical team to check in with, and less HRT side effects than other formulations, Inner Balance is a safe and massively effective option for managing your midlife hormone symptoms.  Tune in here and learn how to get maximum benefit from hormone replacement therapy to live your brightest life! Dr. Sarah Daccarett, MD  After treating thousands of women who felt ignored with their symptoms or who were totally misdiagnosed, Dr. Sarah realized the healthcare system wasn't built for women, so she built something new. She's the CEO and founder of Inner Balance- a medical approach to female biology that works with women's bodies. It's your science-backed and compassionate solution to hormonal health, with the mission to close the gender gap in healthcare for good.  IN THIS EPISODE Why midlife women don't get the hormone help they deserve The massive gap in knowledge around hormone replacement  The difference between hormone treatment for men and women  The importance of paying attention to your hormone dosing Understanding lab markers for hormone levels  The neuroprotective benefits of hormone replacement  Why so many women are underdosed with hormones  About Dr. Sarah Daccarett's company, Inner Balance  QUOTES “It's because women need to understand that this convoluted messaging they're getting is suppressing them. It's keeping them misinformed and it's keeping them from living probably their fullest potential.” “A take home message for anybody listening is that it's not just the hormones that matter. It's the way you're trying to get them into the body. Unfortunately, we're all having to turn into hormone experts because doctors are not figuring it out for us, so we're doing it ourselves.” “Women, if you want to treat estrogen dominance, you should make sure that your estrogen is actually [high] enough that all these chemicals can't bind. Then you have enough progesterone to counterbalance it. So the treatment is not to lower estrogen, but to actually take it and then you'll feel better.” RESOURCES MENTIONED Order my new book: The Perimenopause Revolution  https://peri-revolution.com/ Use code ENERGIZED and get 20% off on your Timeline order http://timeline.com/ENERGIZED Inner Balance Website: InnerBalance.com Inner Balance on Instagram Dr. Sarah on Instagram RELATED EPISODES  #605: Breaking the HRT Confusion: The Truth Behind Hormone Replacement Therapy for Perimenopausal Women with Karen Martel 579: Hormone Replacement Options and Hormone Testing for Women in Midlife + Self Advocacy for Optimal Health with Esther Blum #647: Hormone Optimization Therapy (HOT) Isn't Your Mom's HRT + It's One Of The Best Strategies For Longevity with Dr. Amy Killen 680: You Are Not Broken: Why Women Need Testosterone to Feel Strong, Sexy & Energized with Dr. Kelly Casperson 

Adrian Rietveld is the Senior Manager for Global Tour Operations for TaylorMade Golf.  He is also the Equipment Specialist for PGA TOUR stars such as Scottie Scheffler, Rory McIlroy, Tommy Fleetwood and Collin Morikawa. Adrian joins Mark Immelman to discuss how using the appropriate Golf Equipment and engagin in personalized Club Fitting can help to improve ball-striking, trajectory control, power and consistency. As he shares insights on golf equipment throughout the bag, he tells stories from the TaylorMade Tour Truck with anecdotes from Scottie Scheffler, Collin Morikawa, Tommy Fleetwood and Rory McIlroy.  He also dives into the following equipment and game improvement topics: Proper Club-fitting Practices The Performance Influence of Grips The Performance Influence of Shafts The Performance Influence of Clubheads Reconciling "Feel" vs Data Insights when selecting Equipment The Value of Aesthetics, Feel and Sound in Club selection What to Look for during a Club-fitting Lofts and Lies and their Influence on Trajectory and Control Managing Clubhead Speed and Rhythm, and Blending Power and Accuracy in Club Selection. This podcast with Adrian will entertain and inform, and put you on a path to getting the correct equipment in your hands so that you can perform your best.  Share this with your friends and watch it on YouTube - search and subscribe to Mark Immelman.  

With Domenico Filomena, Polyclinic Umberto I, Rome - Italy and Luciano Agati Sapienza, University of Rome, Rome - Italy. Link to European Heart Journal paper Link to European Heart Journal editorial

Reading God's Word shapes and molds you, turning His truth into a roadmap for your life and transformation in Christ. -------- Thank you for listening! Your support of Joni and Friends helps make this show possible.     Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org   Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

This week: FHFA director Bill Pulte convinced Trump to back 50-year mortgages with some posterboard and a photo of FDR.  Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss why Trump's post about 50-year mortgages angered conservatives – officials and voters alike – and why they're more of a hindrance than a solution to the housing crisis. Then, the White House is considering limiting the power of proxy advisers and index-fund managers on shareholder voting. The hosts explain what this would mean for shareholders and how billionaires like Elon Musk and Jamie Dimon, vocal opponents of these firms, stand to gain even more power if they do. Then finally, Robinhood has announced a new service that delivers cash to your door and the hosts ponder the use cases and mechanics of such a thing.  In the Slate Plus episode: Can You Do That With a Comma? Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Get 50% Off Monarch Money, the all-in-one financial tool at ⁠www.monarchmoney.com/SLATE⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: FHFA director Bill Pulte convinced Trump to back 50-year mortgages with some posterboard and a photo of FDR.  Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss why Trump's post about 50-year mortgages angered conservatives – officials and voters alike – and why they're more of a hindrance than a solution to the housing crisis. Then, the White House is considering limiting the power of proxy advisers and index-fund managers on shareholder voting. The hosts explain what this would mean for shareholders and how billionaires like Elon Musk and Jamie Dimon, vocal opponents of these firms, stand to gain even more power if they do. Then finally, Robinhood has announced a new service that delivers cash to your door and the hosts ponder the use cases and mechanics of such a thing.  In the Slate Plus episode: Can You Do That With a Comma? Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Get 50% Off Monarch Money, the all-in-one financial tool at ⁠www.monarchmoney.com/SLATE⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: FHFA director Bill Pulte convinced Trump to back 50-year mortgages with some posterboard and a photo of FDR.  Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss why Trump's post about 50-year mortgages angered conservatives – officials and voters alike – and why they're more of a hindrance than a solution to the housing crisis. Then, the White House is considering limiting the power of proxy advisers and index-fund managers on shareholder voting. The hosts explain what this would mean for shareholders and how billionaires like Elon Musk and Jamie Dimon, vocal opponents of these firms, stand to gain even more power if they do. Then finally, Robinhood has announced a new service that delivers cash to your door and the hosts ponder the use cases and mechanics of such a thing.  In the Slate Plus episode: Can You Do That With a Comma? Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Get 50% Off Monarch Money, the all-in-one financial tool at ⁠www.monarchmoney.com/SLATE⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: FHFA director Bill Pulte convinced Trump to back 50-year mortgages with some posterboard and a photo of FDR.  Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss why Trump's post about 50-year mortgages angered conservatives – officials and voters alike – and why they're more of a hindrance than a solution to the housing crisis. Then, the White House is considering limiting the power of proxy advisers and index-fund managers on shareholder voting. The hosts explain what this would mean for shareholders and how billionaires like Elon Musk and Jamie Dimon, vocal opponents of these firms, stand to gain even more power if they do. Then finally, Robinhood has announced a new service that delivers cash to your door and the hosts ponder the use cases and mechanics of such a thing.  In the Slate Plus episode: Can You Do That With a Comma? Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Get 50% Off Monarch Money, the all-in-one financial tool at ⁠www.monarchmoney.com/SLATE⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people struggle to understand the storyline and themes of the Bible. We are joined by special guest Mike Vlach, who introduces us to his newest book, The Bible Storyline. He walks us through some of the major themes of Scripture and how those are often misunderstood. You won't want to miss this conversation!Time Stamps:00:00 Introduction01:25 What's New with Mike Vlach03:51 Mike Vlach's Eschatology Course Discussion07:42 The Motivation Behind Teaching the Bible's Story14:48 Why do Dispensationalists Get Accused of Not Focusing on the Bible's Storyline?18:43 Why is Premillennialism Best on the Bible's Story?24:40 What is the Most Underappreciated Major Biblical Theme?27:49 Understanding the Seed Theme in Scripture30:38 What Major Themes Do People Get Wrong?37:04 Eschatology in the Early Church38:36 Is it Correct to View Scripture in an Old Covenant/New Covenant Lens?42:22 The Importance of Understanding Satan's Anti-KingdomLink to The Bible Storyline by Vlach: https://www.amazon.com/dp/0979853990/Other Interviews with Mike Vlach on The Bible Sojourner:On the New Creation Model: https://www.youtube.com/watch?v=6WQItry6jJgOn Dispensational Hermeneutics: https://www.youtube.com/watch?v=INKubom7tdgMike Vlach's Youtube Channel:  @michaeljvlach7388  Mike Vlach's Website/Eschatology Course: michaeljvlach.comIf you have found the podcast helpful, consider ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠leaving a review on Itunes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rating it on Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. You can also find ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Bible Sojourner on Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Consider passing any episodes you have found helpful to a friend.Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠petergoeman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for more information on the podcast or blog.Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ shepherds.edu⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for more on Shepherds Theological Seminary where Dr. Goeman teaches.

In the first hour of the show, Laurence & Spiegs react to Cubs President of Baseball Operations Jed Hoyer saying that he believes that the Cub lineup is season ready.

What if beauty wasn't vanity but a radical form of self-respect? In this recap, Lesley Logan and Brad Crowell revisit their inspiring conversation with aesthetic nurse and rejuvenation expert Rachel Varga, exploring what it truly means to age with confidence. From skincare and collagen to breathwork and mindset, they unpack how honoring your appearance can deepen—not diminish—your self-worth. Tune in to learn why self-care is never selfish and how real confidence shines from the inside out.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How reframing skincare as self-care redefines beauty and confidence.Why genuine confidence changes how you show up in life.How rejuvenation aligns how you feel with how you look.The role of protein, creatine, and collagen in healthy aging.How breathwork lowers cortisol and slows signs of aging.Episode References/Links:World Kindness Movement - https://www.theworldkindnessmovement.orgOPC Winter Tour - https://opc.me/tourPilates Journal Expo - https://xxll.co/pilatesjournalCambodia Retreat Waitlist - https://crowsnestretreats.comAgency Mini - https://prfit.biz/miniContrology Pilates Conference in Poland - https://xxll.co/polandXContrology Pilates Conference in Brussels - https://xxll.co/brusselsXFlash Cards - https://opc.me/flashcardsSubmit your wins or questions - https://beitpod.com/questionsLL on School of Radiance - https://beitpod.com/lesleyonachelsodSchool of Radiance Website - https://www.theschoolofradiance.com (Code: LesleyLogan15 for 15% off one-on-one sessions, tutorial, and membership)Amy Cuddy's TED Talk - https://youtu.be/Ks-_Mh1QhMc100 Acts of Love by Kim Hamer - https://a.co/d/0HLOjhO If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  You figuring out what rejuvenation as a form of self-care that works for you, which is very different than works for me, very different than anyone else, that is like staying in the power stance. It's an action. It's something that you're doing so that you can show up as your whole self and give the world the version of you that will make an impact. That cannot be bad. Lesley Logan 0:24  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:09  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the rejuvenating convo I have with Rachel Varga in our last episode. If you haven't yet listened to that episode, you need to do it, because she's amazing, and we've been using her tips, and some of them are extremely effective. I other ones I just haven't tried yet. I'm really impressed. But today, before we get into Rachel's amazing tips for your rejuvenating means, like skin all that kind of stuff, today is November 13th and it is World Kindness Day. Brad Crowell 1:40  Yes, it is. Lesley Logan 1:07  Damn it. That's what my papa Jake would say, celebrating like, meaning like we're gonna do it like that kind of damn it, okay. Celebrated internationally, this holiday was formed in 1998 to promote kindness throughout the world, and it's observed annually on November 13th as part of World Kindness Movement. It's observed in many countries, including the United States, Canada, Japan, Australia and the UAE. World Kindness Day presents us with the opportunity to reflect upon one of the most important unifying human principles. Oh, just period. On a day devoted to the positive potential of both large and small, acts of kindness try to promote and diffuse this crucial quality that brings people of every kind together.Brad Crowell 2:17  Yeah, so the World Kindness Movement. Lesley Logan 2:25  Tell us more. Brad, Brad Crowell 2:26  the world Kindness Movement is an organization, and they so well the world kindness movement.org if you're interested in reading more. I found it really intriguing that this is even a day, but I like the idea. I just think it's important that we are being conscious of this sharing kindness generally, because I think that in our extreme split political environment and belief in science and reality versus non science and non reality, it actually creates a lot of frustration. It really creates a lot of frustration for me, and this is a good reminder to that we still have to treat people who, you know, we definitely disagree with. We still have to treat them as humans, as people, even if we don't think what they're doing or thinking or saying makes sense, they're still humans, and we still have to treat them with kindness, regardless.Lesley Logan 3:18  You know, what's interesting about this is like we used to when we lived in LA, many of our neighbors were homeless, right? Like where we lived, and it's so easy. I watch people like they turn their head away from homeless people like they just don't even look at them, but then they wonder why they're not treating the area like with respect. It's like we don't feel like we're human. You know, you're not looking them in the eye. There are simple acts of kindness you can do every day. In fact, Kim Scott wrote a book, 100 Acts of Love, which you can put kindness in there. There are things you can do for people. Obviously, that book was written for people going through a loss, but there are things you can do. And it's really funny, art, art. My dad is like, he like acts like he hates talking to people. But then we go to the gym, which is through a casino, and he talks to everybody. He knows the name of every security guard. He knows every he knows the name of every parking attendant, right? He we now know the names of several dealers at the casino. And you know what I think makes them their day is that we just like, say hi. They're not they're staying there, waiting for someone to come to their booth or whatever, and we're like, morning, good morning. It just makes people feel seen. Like even just acknowledging people with an eye contact and a wave makes people feel seen. And I think that if we did more of that, the world will be a better place. So I think. Maslow hierarchy of needs is really real. Maslow's hierarchy, hierarchy of needs. It's a hard word for me tonight. And we judge people based on like, Oh my God. I can't believe they did that. But if they don't know where their food or meal or health care is coming from, of course they did that. You are in the Enlightened level because. You have some privileges to your life, and I'm not saying that to make you feel bad about yourself, but it is, we have to stop judging people who have less than us. We have to have more kindness. I I'm in. Okay, you take us through the first half of this list. It's long. Brad Crowell 5:13  All right, we're gonna move real quick through our upcoming events and travel y'all so come join us, if you, if we're gonna be near you. Okay, in November this no, this month we are going to do.Lesley Logan 5:22  Right now the month we're in. Brad Crowell 5:24  Thanks. This month we're gonna go, we're gonna have a Black Friday, Cyber Monday sale for OPC only. Okay, for OPC only. It's gonna be the 26th through December 1st. So check your email for more information. We're gonna send you an email on the 19th. Lesley Logan 5:35  We're not gonna tell you what it is, you just have to find out. Brad Crowell 5:37  So that's six days from now. Then next is winter tour. We are actually going to be on the road in December, and we've already made the announcements go to opc.me/tour for tickets, all the things.Lesley Logan 5:50  Days are already sold out, so you got to get in there quick. Brad Crowell 5:53  Yep. Okay. So next is while we're not doing a Black Friday, Cyber Monday sale in for Profitable Pilates at the end of December, we are going to have a sneak peek option offer for you to join Agency. We haven't really made this announcement anywhere except for the pod, so you are the enlightened ones. As we were talking about, we're giving you a heads up if you've ever considered joining Agency, but you weren't quite sure if it was for you. We got we're going to do just a short month where you can, like, figure it out, see if it's your jam, and join us. Lesley Logan 6:24  Well, it's a full month, but it's a short commitment.Brad Crowell 6:27  Short commitment. I mean, it'll be a month. So anyway, it'll be the end of December, December 26th through the 31st and then in January, Les?Lesley Logan 6:35  I'll be the Pilates journal Expo in Huntington Beach. It's the first one that they're doing in the US. And I've got a world premiere of a workshop that they were like, we love that people really want to, just like, ask you questions. And don't worry, there's an actual workshop to it, but it's a space where you can ask me questions. And so you want to go to xxll.co/pilatesjournal to get your tickets to that. Then also, in January, we're going to open up the early bird discount for our retreat for 2026 and many of you asked about it, you need to be on the waitlist if you want the discount. If you want to pay full price, don't get on the waitlist. It's fine. Go to crowsnestretreats.com and February, Agency Mini is happening. It is you want to get on the waitlist for that as well. Different waitlist link. It's prfit.biz/mini. What is Agency Mini? It's like three days of us digging into your business and on like a problem. So you can see what it's like to coach with us. That's for Pilates instructors and studio owners and anyone who's like in that service-based industry. And then in March, we are going to Poland, and we're going to Brussels with Karen Frischmann. There are different workshops at each they are on different days, because we cannot be in two places at once. So if you are interested in Poland, it's gonna be the one that happens before Brussels. And I can't remember the dates of it, but it's xxll.co/poland it's like the third weekend in March, and then the last weekend of March is Brussels. Not only we there with Karen Frischmann, we're gonna be there with Ignacio, whose last name I can't remember at this moment, but he's amazing, and the most beautiful eyes and the most incredible kind instructor. xxll.co/brussels and then in April, P.O.T London will be there with Claire Sparrow and some amazing other people. You're not gonna want to miss it. So there's your links they're in the show notes. Brad Crowell 8:20  Ignacio Rodriguez. Lesley Logan 8:22  Oh, Ignacio Rodriguez, yes, well, anyways, he is a special soul. I mean. Brad Crowell 8:26  He's from Spain, yeah. Lesley Logan 8:27  I know he's like, a Pilates Buddha. Brad Crowell 8:29  Yes, he's awesome. Lesley Logan 8:31  That's what I like. Whenever I was around him, I just was like, oh my God, he's the calmest person. Like his energy is so calm you cannot be anything but that around him, he doesn't listen to this podcast. So he wouldn't hear the compliment. Okay, before we get into Rachel's episode, who, what is our question this week?Brad Crowell 8:50  Okay this week, with a question on YouTube from @BodyFlexZone, all about the OPC Flashcard Deck series, they asked, Hey, could you possibly include the exo chair and the springboard in your flashcards?Lesley Logan 9:07  So BodyFlexZone, I'm sorry to tell you the news, but this is exciting too, so don't turn it off. We're not going to do that.Brad Crowell 9:15  No. Lesley Logan 9:16  No. Brad Crowell 9:17  Here's why. Lesley Logan 9:18  Here's why. They're included already. How do I explain this? The I write the cards as a classically trained instructor with classical equipment. They are edited by a contemporary trained instructor who has contemporary equipment, including she is has an exo chair and was trained on a springboard, and the measurements for how to use the hooks on your springboard exist in the Cadillac deck now.Brad Crowell 9:46  So, so while we are not creating a special deck for the exo chair or a special deck for the springboard, if you get the Chairs Deck, the exo chair information would be applicable. It's applicable. You know the information of the Chairs Deck is applicable to the exo chair. And in the same vein, the Cadillac Tower Deck is applicable. It includes information about springboard informationLesley Logan 10:09  Correct, because some springboards have pushed through bars, some springboards don't. There are cards that will say it's pro like they're marked that they might not be available on a tower, which means they're definitely not available on a springboard and so. But also, there's a card in each deck on how to use the deck, and it explains, if you have an Exo chair, like how to it doesn't say exo chair specifically. It's like, if your chair has four hooks, here's how to think about it. So both decks are very useful. And if you get those decks, if you ever have access to a full Cadillac or tower, you have a bunch of cards you get to use. You don't have to take a special training for it, because you've already been trained. So you can get our flash cards at opc.me/flashcards. All six decks are out. Oh, you might want to go to the website during the Black Friday, Cyber Monday. Brad Crowell 10:56  For those of you who were unable to hear what she said, you might want to go to the website during the Black Friday, Cyber Monday sale. Just a heads up.Lesley Logan 11:03  Don't miss it, because if you ask us later, no, we're not the we're only doing it for five days.Brad Crowell 11:09  Hey, send in your questions to the pod. Go to beitpod.com/questions where you can leave a win or a question, or you can also text us at 310-905-5534. Stick around. We'll be right back. We're going to dig into this really interesting conversation we have with Rachel Varga, all about rejuvenation. Brad Crowell 11:27  Welcome back. Let's talk about Rachel Varga. Okay. Rachel is a registered nurse and an aesthetic specialist who's been in the field of non surgical rejuvenation since 2011. She's published research on eye and jawline rejuvenation, teaches doctors and nurses internationally, and now blends her expertise with biohacking to help people age well. Rachel is the founder of the School of Radiance, and also hosts the School of Radiance podcast, where she shares how skincare, lifestyle and self-care can create lasting beauty from the inside out.Lesley Logan 12:01  Yeah, I've been on her pod. You should go listen to our episodes together there, and if you like it, then you have another podcast to listen to. She's, it's, I really enjoy this because, okay, I have been wanting to have someone, an expert like this, on for a while, but I didn't want it to be a vanity, like, I didn't want people to be like, Oh, it's so vain, you know, like so many people are like, I don't know, raw milking it. So they're not going to want to talk about Botox or things like that. And I well, you know, some people get granola and they're like, I gotta not do anything to my body. But also, if something's really, like she said, if something is really bothering you, like specific lines or scars or jowls, addressing it is beneficial, because oftentimes if you feel you look better, you feel better, and if you feel better, you actually just look better, like if you actually feel good about yourself, you walk around taller, you engage with people in a different way. And so it's kind of like a chicken or the egg thing, and I appreciate her approach. If you listen to the episode, it's not like, everyone needs Botox. There's always something wrong with you. No, it's like, okay, what are some of the things you can do that are non surgical, that actually do work? I, I have, I will say you're going to want to listen to her second episode, which we're not going to talk about today, but we talk about a lot of things that are like, a waste of your money and waste your time. She's very, very intelligent and doesn't waste her time. But I do think that what she talked about is people are not viewing rejuvenation as being vain anymore. They're actually seen as a form of self-care. And I do think there's a balance of what can we do as part of our self-care routine that makes us feel better about how we look, so we feel better about how we look.Brad Crowell 13:46  Yeah. That's what I was gonna say, hardcore.Lesley Logan 13:51  Well, I don't know, like, here's the thing, I really appreciate, I forget which actress it was, what's that beautiful woman? Not Diane Lane is beautiful, but she also did one of the Fast and the Furious. She's like a dame, gray hair actress.Brad Crowell 14:06  There were 10 or 11 Fast and the Furious movies. Lesley Logan 14:09  I know the more of the recent of them, and she is like, she also was in like a beautiful bathing suit in the tabloids. And I was like, I want to look like her when I'm when I'm 80. I can't think of it. Everyone's yelling at her in their car right now, but you know who I'm talking about. She talked about how, like, she said, don't like, she's letting wrinkles happen. And I also would like to let those things happen. And there are some things that just bother me, and I don't want them to, and they become a distraction for me, being it till I see it. So I do think that if like how you look is affecting how you're operating your day. It is, there is a point where you do need to actually address, like, what is going on here, because it's becoming an obstacle. I'll look it up while you say what you loved. Brad Crowell 14:52  Yeah. So one thing I thought was important was this conversation of. Lesley Logan 14:58  Helen Mirren. Brad Crowell 14:59  That was really fast. And I'm very impressed. Brad Crowell 15:01  Do you know what I looked up? I said, older actress, stunning, fast and the furious. She's on top of the searches.Brad Crowell 15:12  I went to IMDb and I started with Fast and the Furious. I was like, there's so many actors. Lesley Logan 15:17  You gotta go with my, my way.Brad Crowell 15:23  Yeah, I just, I just thought I wanted to comment about what you had said about what your topic was, that we beat ourselves up over this idea that we're gonna like focusing on how we look is somehow wrong, and I, and I think that.Lesley Logan 15:39  But then also, everything your entire life is based on how you look. You know, like we're told not to focus on how we look. However, especially if you were raised as a woman in the church, how you look could make your brother stumble, so you better figure that out. But then also, you better be sexy for your husband, or he's gonna wander. And then, oh, if you look too old, you're not going to get the job, because they don't want an older woman, like, like, so there's all this stuff about how we're not supposed to care how we look, but actually, everything is about how we look. And if you're a dude, you just get fucking hotter as you get older. And it's really annoying.Brad Crowell 16:14  Well, I love that you took all the words right out of my mouth. So here's what I was going to say, is that I think it's important to that it when we are holding ourselves to this idea that feeling like we want to care about how we look is wrong, somehow. What she mentioned was confidence, and I liked that because I thought, Hey, why do we buy a nice shirt or buy some, you know, dress shoes, you know, for the office, because we like the way that we look in those and it gives us this idea that we got it together. And I don't know why we would think that it's okay to buy a nice blouse or blazer or shoes but not do the same thing for our face or our skincare or our weight or our working out, or whatever.Lesley Logan 17:14  The food we eat or the yeah, yeah, yeah, the things that we do to make ourselves feel good. I agree. I think that makes a lot of sense.Brad Crowell 17:22  Yeah. So, you know, anyway, my point is that it is I think it's okay. I think it's okay. Lesley Logan 17:31  I, here's the thing, I really have come to a place where it's like, if the thing that you do for yourself doesn't affect anyone else negatively, it's none of my fucking business.Brad Crowell 17:43  Okay, here's, here's, let's actually start with, because I'm logical, let's actually start with the definition of vanity. Lesley Logan 17:50  Okay, let's do that. Brad Crowell 17:52  Excessive pride. Well, excessive pride in or admiration of one's own appearance or achievements. Excessive pride, right?Lesley Logan 18:01  So walking around telling everyone I'm so fucking stunning.Brad Crowell 18:02  I'm so amazing. Look how awesome I am. Look how beautiful I am, right? That is vanity, but giving a shit about how you look is not vanity, right? That we've conflated this idea and we beat ourselves up. Lesley Logan 18:17  Brad, you're fucking brilliant. It's like the word selfish, like, how self-care has become selfish care, like the fact that you'd spend any extra amount of time thinking about yourself instead of your children, the people you work for, the people you do things for the people you love. Like, that's selfish. This is amazing. And I do love this because, okay, Amy Cuddy, whose TED Talk is where the title of this podcast came from, and if anyone knows her, I would love that interview. But she talked about how she does study about the power stance, the Wonder Woman stance, when you do it for five minutes, you actually appear and feel more confident in an interview. They did a literal scientific study, and they had people not stand in a power stance and sit slumped for five minutes, bad posture. And then go in, and then they ask them, how confident you feel. They ask the interviewers, how confident did they seem? Did they appear? You figuring out what rejuvenation and as a form of self-care that works for you, which is very different, that works for me, very different than anyone else, that is like staying in the power stance. It's an action. It's something that you're doing so that you can show up as your whole self and give the world like the version of you that that will make an impact. Yeah, that cannot be bad. I'm in. Brad Crowell 18:37  Yeah. And I think that, you know, when we have confidence, obviously it allows us to deliver our, you know, purpose in life better. It makes us enjoy what we're doing more. It definitely just changes the way we show up in our community and the way that we see ourselves. Right? So, you know, and the world sees that too. You know, when we put effort into ourselves, we show the world that we are valuable because we value ourselves. And I think that is also important, is that we that that belief in yourself, right, the knowledge that you are worthy, even though it seems internal, it is very visible to other people. When you know that you belong there to do the thing you know, or you believe you belong there, to do the thing other people perceive that they pick up on that. Lesley Logan 20:25  Well, yeah, and also, like, and just, I'm gonna tell you one of your points, she we're talking about this. We're talking about rejuvenation, way that looks natural and feels good, that builds confidence. We're not talking about like, go overdo it. We know the people who look like they're overdone, you know, like, you know, we're not talking about getting a new face like the Kardashian mom. We're talking about like, just like, and it's we're not talking about doing Botox or or surgery. It can be as simple as, like, massaging your face, or the type that money you spend on the moisturizer that makes you feel good, like, these are, we're talking non surgical approaches.Brad Crowell 21:03  Yeah, yeah. So, you know, I think when you are that, because we think that self-care equals vanity, that's where we're going wrong. But when we, when we can separate the two and understand that vanity is excessive. You know, celebration of your beauty or your achievements, that is obtuse, that is annoying, that is like, you don't want to listen, you don't want to be around somebody like that. We all know people like that. (inaudible)Lesley Logan 21:31  There's the song you're so vain, you probably think the song is about you. That is a definition.Brad Crowell 21:43  But when you care about yourself, you know it's okay to to put yourself first and make that part of your self-care routine and you know. Lesley Logan 21:53  Well, I also think you're I'm not (inaudible) you up. I'm so sorry. This is our ADHD problem. I think if something is keeping you from showing up and making the impact in your world, and it has to do with your looks. It is not vain or selfish to do something about it, if it's if, if that thing is keeping you from actually showing up as your whole self to make the impact you so desire to make, the world is missing out. Brad Crowell 22:18  Yeah. Actually, a great example would be braces, or Invisalign, or, you know, even, like surgical, surgery, surgery on your teeth. Like it comes across as, like a crazy expense sometimes, but, you know, night and day difference we, we've had, I've had a really close friend of mine growing up who had surgery in his 20s, and he smiles now, you know. And I remember seeing the difference in him because he never he was no longer judging himself, you know, (inaudible).Lesley Logan 22:19  I watched something where this girl, every time she'd smile, she or laugh out loud, put her hand in front of her mouth, because she doesn't want people to see her teeth and and then, through this one organization, they fixed them. And no one would say that she's being fucking vain. No one would. And because we're now.Brad Crowell 23:12  I mean that was surgery, that was surgery. This subject, we're not necessarily talking about it, but like Invisalign, or braces (inaudible).Lesley Logan 23:18  If it's going to make you smile a little brighter, going back to World Kindness Day and making people feel seen, I would hate for someone to not get the joy from your smile. When people smile at me, I'm like, Oh, hi. Like it just brightens your day, like it snaps you out of the whirlwind that's in your mind. And I just, I was really excited to have her on because I thought it was a really honest conversation about about inner beauty and what we what would make us feel good. And I just don't think there's anything wrong. And I think it's really important you hear this, there is nothing wrong with doing things for yourself that make you feel beautiful. And if you were ever told that focusing on what makes you feel beautiful is wrong. There's some deconstruction and some, I really, when we took my eyelashes, my fake eyelashes off, it was really hard for me. It was extremely hard. I didn't look the same anymore. I had to do a lot of self-talk, but I went to Sephora, literally the next day, I was like, you have to help me. I look like a molten like a mole rat. And that is an actual thing that exists. And yes, I did look like a mole rat, if you look it up, but I she taught me, okay, the best makeup starts with the best skincare for you, she said to me, and that's what Rachel's also talked about, the non surgical approaches. And then the second thing is, by that girl teaching me a couple tricks with makeup, I could show up and do my tour as my whole self in a non-distracted way. Because I was like, Oh, my God, people are gonna be staring at me. Talk about the braces and the weird things. I have no eyelashes. That is not what people are used to seeing. Okay? So, so I just think that, like, I if it's okay, I believe it, because I felt it. I've been there. I've been there when you're like, Oh my God, my face is numb from the dentist. Like, I don't even want to see me. If things like that are keeping you from showing up on a daily basis, you owe it to yourself and the people that you can impact on this world to find some way to fill that natural confidence by taking care of yourself. So that's what I think.Brad Crowell 25:24  All right, awesome. Well, I think we've, we've talked through that pretty exhaustively. Lesley Logan 25:28  I feel good about it. Brad Crowell 25:29  Yeah, stick around. We'll be right back. We have some more tips from Rachel and the Be It Action Items. We'll be right back. Brad Crowell 25:36  Welcome back. Finally, let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your convo with Rachel Varga? She said, Hey, high protein and creatine, right? High protein intake, one gram to one and a half grams of protein per pound of body weight. Now, you probably heard Lesley mention this a lot. She definitely is on board with this. She said. Lesley Logan 26:00  It's so hard. Just be kind to yourself. Brad Crowell 26:02  It's hard, but, but, you know, there's, there are ways, and actually, a lot of it had to do with changing the food that we're eating. For example, I had a high protein bagel today, you know. And you know, it was, I don't even know what it was, a lot of protein for a bagel. And so they're, you know, eggs, and all those extra beans.Lesley Logan 26:18  I, we're not sponsored by them. But hi, Owyn, they have a 32 gram protein shake, and it's only what you need. There's nothing weird about it, I'm sure. Like, look, the biohackers would not like that we're talking about processed food, but it takes time to switch your diet around. And if you're trying to do this, it does take time. So pick a meal a day and kind of work your way towards her. But I wanted to say, I fucking love that her, Be It Action Items have nothing to do with like, going to a med spa. Brad Crowell 26:45  Right, to do beauty stuff or whatever. Yeah, I mean, because it's just like your your your Sephora experience, she said the best way to fix your eyelashes is your skincare, right? So the in this case, she's Rachel's talking about high protein and creatine, because when you she started lifting heavy and focusing on high protein, it gave her more inner power activation, and that was great for her skin, right, So that's, that's, that's.Lesley Logan 27:14  And there's tons, ladies who are listening, we have a lot of perimenopausal women. There's a ton of research on doubling up on that creatine.Brad Crowell 27:20  Yeah. And she also talked about collagen, because collagen will also help your skin. If you're watching YouTube, you can laugh along with me.Lesley Logan 27:31  I've been doing collagen since, like, religiously, since 2016 because in 2015 I did a test, and the guy's like, you have no collagen. And then a year later I did the test, he's like, okay, so you you're off the charts in collagen. And I was like, is that a bad thing? Should I, like, slow it down? And he's like, I think you could be okay. And I have not slowed it down.Brad Crowell 27:48  So we've got a call to action for you here if you want to go to theschoolofradiance.com theschoolofradiance.com, you can use a promo code, LesleyLogan15, L-E-S-L-E-Y Logan15 for 15% off one of her membership. She said there's also a free 30-minute biohacking lesson you can get on there that has a checklist, her skincare checklist, and it's available on her site. Lesley Logan 28:11  And also, like, depending on where you live, the seasons change your skincare routine has to as well. Brad Crowell 28:16  Yeah. What about you? Lesley Logan 28:18  Okay, another interesting non-meds related, Be It Action Item, which is just why I love her, right? Like you don't like, it doesn't have to always be like, get this moisturizer. She recommended breath work, specifically during exercise, to keep cortisol down and remain in a parasympathetic rest and digest state, which helps slow aging and collagen loss. So this is what I love, because in the like, people are gonna try to sell you stuff all the time, and this is fucking free. So breathe in for four seconds, hold it for four seconds, exhale for four seconds, and do that four to five times, by the way, it's called Box breathing as well. And she explains that elevated cortisol results in a drop in estrogen. When estrogen falls, collagen, elastin fall too. So you want to breathe, because it's going to help slow your aging down, and that costs $0.Brad Crowell 29:14  Yeah, she said, you two were specifically talking about lifting in the gym. And she said the guys will try to spike their cortisol. And she said, I don't want to do that. Lesley Logan 29:23  Yeah, also, and I know there's and I being a woman today, it's like, what are we listening to? Look, keeping your cortisol down is always going to be a good thing, especially if you're in perimenopause or post it'll help your sleep, which is going to help you age better. But also, when you're doing Pilates, this is something that people struggle with. You got to breathe in and out through your nose, because that keeps you cool. It keeps you calm, it keeps you grounded, keeps that cortisol down, which helps you age slower. I love this. She's coming back because I was like, Oh my God, I didn't even get to all the tools. Like, do I need to buy this? Do you buy this? Do I need to buy this? And she is going to change her life with that. I'll let you know when the episode's coming out, of course, but until next time, I'm Lesley Logan. Brad Crowell 30:08  And I'm Brad Crowell. Lesley Logan 30:08  Share this with a friend who needs to hear it, leave us a review. Tell Rachel Varga how these tips and tools helped you. And until next time, Be It Till You See It. Brad Crowell 30:13  Bye for now. Lesley Logan 30:13  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 30:57  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 31:02  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 31:06  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 31:13  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 31:16  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Federalism vs. seminalism—which view is correct? What is the federal understanding of original sin? What is the seminal understanding of original sin?

Laurence Holmes & Matt Spiegel react to Cubs President of Baseball Operations Jed Hoyer saying that the team will mostly target pitching this offseason.

Parenting a child who constantly melts down—even when you've tried every gentle parenting tip out there—can leave you exhausted and doubting yourself.You're doing your best to be calm and validating, yet you still feel like you're walking on eggshells. You're not alone. The truth is, gentle parenting isn't enough on its own—and understanding whycan completely change your family dynamic.Let's break down what gentle parenting gets right, what it misses, and how to help your child truly regulate and thrive. Learn more about why empathy without boundaries backfires, what “Regulate, Connect, Correct” really means, and how to shift from over-validation to true emotional safety.Why Doesn't Gentle Parenting Always Work?Gentle parenting promotes empathy, validation, and connection instead of harsh punishment. That's beautiful in theory—but many parents discover it's not enough in real life.Here's why: Validation alone doesn't calm a dysregulated brain.Kids may feel heard, but not necessarily safe.A dysregulated nervous system can't learn, connect, or cooperate.Empathy without boundaries often fuels anxiety and chaos.When kids stay stuck in big emotions, they become dependent on constant reassurance instead of learning self-regulation. That's when parents start feeling drained and walking on eggshells.

Big O talks QB and NFL Organization 111025

Sources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Sponsored by Charity Mobilehttps://www.charitymobile.com/rtt.phpContact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

Sources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Sponsored by Charity Mobilehttps://www.charitymobile.com/rtt.phpContact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

After announcing her pregnancy news, Jordana reacts to the outpouring of love she got from followers and Dr. Naomi asks her how the experience has been for her since revealing the personal update. A Betch that manages other employees is struggling with how to handle her direct report's constant oversharing on social media and the hosts debate why people reveal such intimate details on the internet. One listener calls in wondering how she can honor her Mother's desire for validation about her appearance while setting an example for her young daughter. Struggling to potty train her toddler, a woman seeks an intention that can help her be more patient with her child's personal timeline. Some morbid Halloween decorations in one listener's neighborhood leave her feeling triggered and a bride to be is feeling burned by her wedding florist who left her high and dry shortly before her big day. Subscribe to Oversharing on Youtube:  ⁠https://www.youtube.com/@OversharingPod⁠   Learn more about your ad choices. Visit megaphone.fm/adchoices