Podcasts about depending

Kevan Chandler is an author, speaker, and the voice behind We Carry Kevan and The Hospitality of Need. Kevan lives with muscular atrophy, a rare neuromuscular disease. Through his writing and storytelling he invites people into a countercultural way of seeing need, dependence, and community, not as weakness, but as gift. Kevan shares his story of growing up with muscular atrophy and how, over time, he's learned that serving others and being served are not opposites—they're intertwined. We talk about how our needs can become doorways into deeper relationships, the difference between simply asking for help and intentionally inviting people into our need, and how it's possible to give and receive at the same time. This conversation is thoughtful, challenging, and a reminder that vulnerability around our needs can lead to deeper connection with others. The Hospitality of Need  We Carry Kevan (Book) We Carry Kevan Organization Follow Kevan on Social → @wecarrykevan & @vanchandler  Follow SWE on Instagram → @so.what.else  Follow Kaitlin on Instagram → @kaitlingraceelliott https://www.kaitlinelliott.com/

It's not every movie that is 14+ years in the making, that will feature multiple sequels and somehow keep it fresh. How did James Cameron DO IT for the original Avatar film in 2009? What did The 2GuysTalking Perspective Review Series of think of it BACK THEN? Time to revisit a deep-dive, comprehensive detailing of what is arguably the largest monetary success in feature film history as well as for you to check out the most-comprehensive, educational links listing for the original film - Thanks to 2GuysTalking! The Perspective Reviews Podcast Connection Links:   Connect with The Host (and View Direct Contact information Below!) Subscribe to This Podcast & Listen Now!    Subscribe, Like, and Share Everywhere! Help Perspective Reviews Grow!   Rate this Podcast on iTunes! The ultimate success for every podcaster – is FEEDBACK! Be sure to take just a few minutes to tell the hosts of this podcast what YOU think over at iTunes! It takes only a few minutes but helps the hosts of this program pave the way to future greatness! Not an iTunes user? No problem! Be sure to check out any of the other many growing podcast directories online to find this and many other podcasts on The 2GuysTalking Podcast Network!    Housekeeping — A Call for Input: The value of Avatar is truly a perpetual thing. Depending on your age, favorite program and "perspective" - we know that you'll have questions about the movie, our opinions and concepts we haven't even thought of. Contact us today to tell us more about what you think now! Links to Enjoy This  Film! It's easy to have the  same great experience from this film as we go! Hit the links below and get your copy of the film's soundtrack, score or even the movie itself! Links from This Episode -- -- The 24Podcast.Com Effort: The Review of the Worst Days of Jack Bauer's Life: http://24Podcast.Com -- The Little-Known Bootleg of The Original Avatar by James Cameron: https://www.youtube.com/watch?v=thsc60UTUIE -- The Original Avatar (2009) Trailer: https://www.youtube.com/watch?v=5PSNL1qE6VY -- The Original Avatar Soundtrack by James Horner (2009): https://amzn.to/3Gf7FWu -- Buy the Original Avatar DVD.Blu-Ray Combo (by James Cameron) Movie Now! https://amzn.to/3YI7b2B -- Check Out All of the Weapons Featured Inside of Avatar (2009)! https://www.imfdb.org/wiki/Avatar -- Check Out All of the Vehicles Featured Inside of Avatar (2009)! https://www.imcdb.org/movie_499549-Avatar.html -- Check Out All of The Creatures from Avatar (2009): https://www.youtube.com/watch?v=NQV_Ua_dpZQ -- The BoxOfficeMojo Report for Avatar (2009): https://www.boxofficemojo.com/release/rl876971521/ -- District 9: A Movie That DID Give Us Aliens, Gore and VIOLENCE Galore: https://www.imdb.com/title/tt1136608/ -- Read More About Avatar (2009) on WIkipedia:: https://en.wikipedia.org/wiki/Avatar_(2009_film) -- Why Are the Na'Vi (from Avatar 2009) Blue? https://www.youtube.com/watch?v=7_DJ26Iw-_E -- Have Your Avatar Mind BLOWN - By The AvatarWIKI: https://james-camerons-avatar.fandom.com/ -- 25 Things You Still Missed from Avatar (2009): https://www.youtube.com/watch?v=mr0AuQ-tMjw -- Read More About the Art of Avatar (2009) via Wikipedia: https://en.wikipedia.org/wiki/The_Art_of_Avatar -- Check Out the IMDB.Com LIsting for Avatar (2009): https://www.imdb.com/title/tt0499549/ -- Behind Avatar: Science, Technology, Art & Design: https://scriptphd.com/from-the-lab/2009/12/14/behind-avatar-science-technology-art-and-design/ -- The IMDB.Com Parent's Guide to Avatar (2009): https://www.imdb.com/title/tt0499549/parentalguide -- Filmmaker, Graphic Designer and Submariner James Cameron Leeches Standard Font for His Own Misguided Purposes: https://www.inverse.com/entertainment/avatar-snl-sketch-papyrus -- Avatar (2009) Merchandise on Etsy: https://www.etsy.com/market/avatar_2009 -- Avatar Is Just Slightly Overrated - A Review by Alex Hefner: https://www.youtube.com/watch?v=YbWYoo9aegY&t=1279s -- What is a McGuffin? https://www.studiobinder.com/blog/what-is-a-macguffin-definition/ -- Avatar: A Retrospective Review: https://www.youtube.com/watch?v=b7IPG7nJkao -- Avatar (2009) With and Without CGI (Behind the Scenes): https://www.youtube.com/watch?v=b7IPG7nJkao -- The Making of Avatar (2009) - Behind the Scenes: https://www.youtube.com/watch?v=_Y8Buy5b6DQ -- The Na'Vi (The People) - Explained: Understanding Avatar: https://www.youtube.com/watch?v=ONGdhROj8Jk -- Deleted Scenes from Avatar (2009) That Would Have Changed Everything: https://www.youtube.com/watch?v=BBgidF29xQ0 -- Avatar (2009) Scenes in 4k: https://www.youtube.com/watch?v=3G6J-ITWekA&list=PLiAyVWLOMrdULq0Rid7whV35YMm8GNk9b -- The Biology of Avatar (2009): https://www.youtube.com/watch?v=Hm1JFLpkofs -- The History of the Avatar (2009) Program: https://www.youtube.com/watch?v=MWTXI21x3hc -- Avatar's Planet of Pandora - is TERRIFYING: https://www.youtube.com/watch?v=eKZIJK_rS7U -- Na'Vi Biology - Explained: https://www.youtube.com/watch?v=1NnBgrOqB6I -- Avatar: Pandora - a World of Impossibilities: https://www.youtube.com/watch?v=xUUwZNap19Ugpd   Calls to the Audience Inside this Episode: -- What do YOU remember about The Hype from Avatar (2009)? Tell us now?  -- Where did YOU see Avatar (2009)? Tell us now? -- How much did YOU pay for a ticket to see Avatar (2009)? Tell us now? -- Where did YOU see Avatar (2009)? Tell us now? -- What did YOU think was "Good" inside Avatar (2009)? Tell us now? -- What did you think was "Bad" inside Avatar (2009)? Tell us now? -- Where do YOU think The Avatar (2009) Franchise will go from here? Tell us now? -- We're always on the hunt for new ideas and feedback. Ready to have YOUR input used inside one of our "All-Fan-Input" episodes? Tell us now? Tell us what you think! It's never too late to be an advertiser in this podcast, thanks to Perpetual Advertising! Contact us now and learn more about why podcasting allows your advertising dollar to live across millions of future listeners – FOREVER! The Host of this Program: Mike Wilkerson:  Mike Wilkerson Is the PodFather of St. Louis, and has been hosting, producing, concepting and enhancing podcasts since 2005. As a professional content creator, Mike has been making and documenting every mistake in the Podcasting industry so you won't have to when you're ready to begin. With thousands of of hours of business, marketing and life experience behind and in front of the mic and keyboard, he has created a vibrant and always-growing business tapestry via The 2GuysTalking Podcast Network. As a perpetual student, Mike continues to foster interests in Crisis Negotiator Training, Firearms Instruction and helping people to find the next step in their career with an active interest in hunting light bulb moments. — Mike Wilkerson on Facebook — Mike Wilkerson on LinkedIn — Mike Wilkerson on X — 2GuysTalking on LinkedIn

Mind Pump Fit Tip: Lift and gain an inch around your butt in 60 days! (2:09) The scary rise of Sextortion. (18:35) Disgraced OnlyFans star. (23:38) The increased awareness around pornography. (25:59) Food engineering. (29:40) The dark side of cannabis. (37:00) Manuka honey to cure wounds and take on inflammation in the body. (42:51) Helpful tips for current and inspiring personal trainers. (44:40) The Mind Pump Butcher Box and what makes heritage pork so good? (53:07) #Quah question #1 – My 10-year-old daughter struggles with the mechanics of a barbell row. What could I replace it with for now? (58:38) #Quah question #2 – Once you've chased strength, focused on how you feel, sleep, libido, and all that's good....but aesthetic has not caught up. What's next? (1:01:38) #Quah question #3 – It's been a while since you spoke about the benefits of full-spectrum CBD. Do you still find benefits based on emerging research, or has it become overhyped? (1:03:18) #Quah question #4 – Is it ok to bounce around programs? Depending on circumstances, I bounce around Muscle Mommy 15, Suspension or Anabolic. (1:04:55) Related Links/Products Mentioned Visit Manukora for the exclusive offer for Mind Pump listeners! ** Use code MINDPUMP and save up to 31% plus $25 worth of free gifts with the Starter Kit, which comes with an MGO 850+ Manuka Honey jar, 5 honey travel sticks, a wooden spoon, and a guidebook! ** Visit Butcher Box for this month's exclusive Mind Pump offer!  ** New users receive their choice of NY Strip, Ribeye, or Filet Mignon in every box for a year. ** MAPS 15 FORTY PLUS 50% half from Dec. 14-20th. Code DECEMBER50 at checkout. Mind Pump Store Mind Pump #2463: Sometimes to Get Leaner You've Got to Eat More (Listener Coaching) Mind Pump #1785: Why Most Women Fail at Developing Their Butt Mind Pump #2155: The Art & Science of Building Perfect Butts With Bret Contreras What is Sextortion? - Children and Screens Adult content creator Bonnie Blue to be deported from Bali The Genius Life Podcast: Why You Overeat, Gain Fat, and Lose Muscle (and How to Fix It!) - Sal Di Stefano The Real Story of How Cotton Candy Grapes Are Made What is 'scromiting'? New medical slang divides health experts, cannabis advocates Antibacterial activity of Manuka honey and its components: An overview Visit Troscriptions for the exclusive offer for Mind Pump listeners! **Promo code MINDPUMP for 10% off your first order. ** The #1 Setup Cue For The Barbell And Dumbbell Row Exercise Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Dani Demeter (@mindpumpdani) Instagram Max Lugavere (@maxlugavere) Instagram Ben Greenfield (@bengreenfieldfitness) Instagram  

Jeremy Keil explains the top 3 tax efficient strategies for charitable giving in 2025. Most people give to charity because it's meaningful to them — not because of the tax break. And that's the right mindset. But if you're already giving, it makes sense to be intentional and structure that giving in a way that helps you keep more of your hard-earned money. In this episode of Retire Today, I walk through the top three charitable giving strategies for 2025, especially in light of new tax rules taking effect in 2026 and important changes already happening this year. With only a limited window left before year-end, now is the time to understand your options. The key is planning — not reacting in April. Why 2025 Is a Unique Giving Year Late in the year, you usually have a clear picture of your income and tax bracket. That makes it the perfect time to decide when and how to give. With upcoming changes like: A new 0.5% AGI floor on charitable deductions starting in 2026 A cap on the value of deductions for high earners A higher SALT deduction limit already in effect 2025 offers an opportunity to be proactive instead of passive. Depending on your income, it may make sense to pull future giving forward — or delay certain gifts until next year. But that decision should be made intentionally, not by default. Strategy #1: Bunch Your Charitable Deductions Bunching means combining multiple years of charitable giving into a single tax year to exceed the standard deduction and unlock itemized deductions. For example, if you normally give $10,000 per year to charity but don't itemize, you may get no tax benefit at all. But by contributing two to four years of giving in one year, you may be able to itemize and deduct the full amount. The most effective way to do this is through a donor-advised fund (DAF). A DAF lets you: Take the tax deduction now Give to charities later, on your preferred schedule Keep your giving consistent for the organizations you support This separates the timing of your tax deduction from the timing of your charitable gifts — a powerful planning tool when income fluctuates. Strategy #2: Donate Appreciated Investments Instead of Cash One of the most tax-efficient ways to give is donating long-term appreciated investments from a taxable brokerage account. When you sell an investment that has gone up in value, you owe capital gains tax. When you donate that same investment directly to charity (or to a donor-advised fund), you: Avoid paying capital gains tax Receive a charitable deduction for the full market value Remove a concentrated position from your portfolio This strategy is especially effective after strong market years like 2023, 2024, and 2025, when many investors are sitting on significant unrealized gains. To qualify, the investment must be held for more than one year (long-term capital gain). Many custodians automatically select the most tax-efficient shares when processing these donations, making the strategy easier to implement than most people expect. Strategy #3: Use Qualified Charitable Distributions (QCDs) For those age 70½ or older, Qualified Charitable Distributions are often the most powerful giving strategy available. A QCD allows you to send money directly from your traditional IRA to a qualified charity. That money: Never shows up as taxable income Can satisfy Required Minimum Distributions (once applicable) Reduces future RMDs by shrinking your IRA balance Many retirees make the mistake of taking IRA withdrawals, depositing the money into checking, and then writing checks to charity. That approach often increases taxable income, affects Social Security taxation, and can raise Medicare premiums — even if a charitable deduction is available. QCDs avoid those issues entirely by keeping the income off your tax return in the first place. Even if you're not yet subject to RMDs, starting QCDs early can still make sense if part of your regular spending includes charitable giving. Putting It All Together These three strategies often work best in combination: Use donor-advised funds to bunch deductions Fund those DAFs with appreciated investments Use QCDs once you reach age 70½ But none of this should be done blindly. The right approach depends on: Your income this year and next Whether you itemize or take the standard deduction Your charitable goals Your long-term retirement and tax plan The most important step is projecting your tax situation before the year ends and making decisions on purpose — not by default. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Trump's Big Beautiful Bill Could Change Retirement FOREVER!” – Mr. Retirement YouTube Channel “Maximize your Tax Benefits by BUNCHING Charitable Donations!” – Mr. Retirement YouTube Channel “How the SALT Deduction Cap Works If You Make Over $500,000 (2025 Tax Update)” – Mr. Retirement YouTube Channel “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel “What is the 2025 QCD Limit? (Qualified Charitable Distributions” – Mr. Retirement YouTube Channel Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

How would you feel if everything you knew about the various popular holidays throughout the year were lies manufactured to divert your attention from their very real and sacred meaning? Depending on who you are, that knowledge could be revelatory or very disturbing and controversial…Lara Day explores the not-so-great truth behind the various popular holidays many of us celebrate, how they evolved into opportunities to control you and what you can do to reclaim those sacred practices this week on Spirit Gym.Learn more about Lara's work and classes at her website and on social media via Facebook, TikTok and Instagram.For Spirit Gym listeners: Save $100 on a Neurogenic Qigong session with Lara (her unique blend of qigong healing and tension and trauma releasing neurogenic tremor work) by letting her know you listened to this podcast! (Special offers from Spirit Gym guests are time-sensitive and at their discretion to redeem after 30 days.)Timestamps3:27 A new publisher and important additions to Lara's 13 Sacred Nights Oracle deck.8:10 “Maybe it's time to consciously choose how we celebrate our holidays.”11:17 The four-layer cake of bad changes to our holidays.23:52 Why do many people get so defensive about their manufactured holiday traditions?31:18 The trick or treat origins of Halloween.40:54 Lara and her daughter have created their own Halloween ritual: An altar for celebrating dead relatives and loved ones.49:11 The origins of Thanksgiving in America, thanks to Sarah Josepha Hale.56:50 Open your heart with this very simple practice from Paul.1:02:43 Cooking.1:10:36 Why was Christmas once outlawed in the 17th century?1:19:53 “We were worried that if we told them we knew, maybe they'd think there's no point in having Christmas anymore.”1:24:45 You can reset the Christmas season for your family and celebrate it your way.Resources13 Sacred Nights Oracle: A Yearly Solstice Tradition by Lara DayAdyashantiFind more resources for this episode on our website.Music Credit: Meet Your Heroes (444Hz), Composed, mixed, mastered and produced by Michael RB Schwartz of Brave Bear MusicThanks to our awesome sponsors:PaleovalleyBIOptimizers US and BIOptimizers UK PAUL15Organifi CHEK20Wild PasturesKorrect SPIRITGYMPique LifeCHEK Institute We may earn commissions from qualifying purchases using affiliate links.

//The Wire//1500Z December 14, 2025////PRIORITY////BLUF: TERROR ATTACK STRIKES AUSTRALIA AS 12X KILLED IN BONDI BEACH MASS SHOOTING. VEHICLE RAMMING ATTACK FOILED IN GERMANY. MASS SHOOTING REPORTED AT BROWN UNIVERSITY IN PROVIDENCE.// -----BEGIN TEARLINE----- -International Events-Australia: A few hours ago, a complex terror attack took place at a Hanukkah event in Bondi Beach. Multiple gunmen approached a gathering of people at a picnic area on the east side of the park, and began engaging those taking part in holiday celebrations. At least two gunmen took up a tactical position on the pedestrian bridge at grid coordinate: 56H LH 40786 48784 // 61.2 ft MSL. From there, the gunmen began firing at event participants in the park below. After a few minutes, these two shooters were eventually neutralized by armed police on this bridge.At least one other gunman was present at the shooting, but was disarmed by a bystander who attacked the shooter with his bare hands and took the weapon from him. This disarmed-shooter was later detained by police on the pedestrian bridge with the others.Analyst Comment: Concerning casualties, right now the number stands at 10x killed during the attack, with a few dozen wounded. At least two of the attackers were wounded/killed by armed police, however their status is not known. The total number of shooters involved in this attack is also not known, but right now the count stands at 3x shooters taking part in the attack. At least one shooter did survive, as indicated by the videos of the incident taken by observers. Regarding the identities of the attackers, official confirmation of their name and status will take some time. However, photos of some of the shooter's drivers licenses have circulated social media in the hours after the attack. At least one of the attackers appears to be Naveed Akram, who had a NSW driver license.Germany: Yesterday a vehicle ramming attack was foiled by police, which involved a local terror cell in lower Bavaria. Local authorities state that 5x suspects have been arrested after they planned to carry out a vehicle ramming attack at a Christmas Market in the Dingolfing-Landau area.Analyst Comment: The suspects have not been identified by name, however their nationalities are: 1x Egyptian, 3x Moroccans, and 1x Syrian. All are currently being held in pre-trial detention, and more documents are expected to be released regarding how this plot was alleged to have been planned. -HomeFront-Rhode Island: Yesterday evening a mass shooting was reported at Brown University after a shooter opened fire during final exams near the Barus and Holley Engineering building on campus. 2x people were killed and 9x were wounded during the attack.Analyst Comment: The assailant egressed from the area after the shooting, which triggered a manhunt for several hours and prevented the scene from being secured for medical personnel to provide aid to the wounded. As of this morning, police state that they have one "person of interest" in custody regarding the case, however they stopped short of calling this person a suspect. Officially, the shooter has not been captured yet. No weapon was recovered from the scene, and the assailant was wearing a mask during the attack.-----END TEARLINE-----Analyst Comments: In Germany, it must be noted that if this terror cell was rolled up by police, there are probably others which have not yet been detected. Five terrorists is NOT a lone-wolf-style attack, and heavily indicates a more hierarchical organization structure. Depending on how well this cell was organized and commanded, this could mean that other terrorists that haven't been detected yet might be motivated to accelerate their attack planning. Considering the success of the horrific attack in Australia, it's possible that other attacks are coming down the pipeline. As such, inc

Allen, Joel, and Yolanda recap the UK Offshore Wind Supply Chain Spotlight in Edinburgh and Great British Energy’s £1 billion manufacturing push. Plus Ørsted’s European onshore wind sale, Xocean’s unmanned survey tech at Moray West, and why small suppliers must scale or risk being left behind. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! You are listening to the Uptime Wind Energy Podcast brought to you by build turbines.com. Learn, train, and be a part of the Clean Energy Revolution. Visit build turbines.com today. Now, here’s your host. Allen Hall, Joel Saxon, Phil Totaro, and Rosemary Barnes. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host Allen Hall in Charlotte, North Carolina, the Queen City. I have Yolanda Pone and Joel Saxon back in Austin, Texas. Rosemary Barnes is taking the week off. We just got back from Scotland, Joel and I did, and we had a really great experience at the UK offshore wind supply chain spotlight 2025 in Edinburgh, where we met with a number of wind energy suppliers and technology advocates. A Joel Saxum: lot going on there, Joel. Yeah. One of the really cool things I enjoyed about that, um, get together the innovation spotlight. [00:01:00] One, the way they had it set up kind of an exhibition space, but not really an exhibition. It was like just a place to gather and everybody kind of had their own stand, but it was more how can we facilitate this conversation And then in the same spot, kind of like we’ve seen in other conferences, the speaking slots. So you could be kind of one in ear, oh one in year here, listening to all the great things that they’re doing. But having those technical conversations. And I guess the second thing I wanted to share was. Thank you to all of the, the UK companies, right? So the, all the Scottish people that we met over there, all the people from, from England and, and around, uh, the whole island there, everybody was very, very open and wanting to have conversations and wanting to share their technology, their solutions. Um, how they’re helping the industry or, or what other people can do to collaborate with them to help the industry. That’s what a lot of this, uh, spotlight was about. So from our, our seat, um, that’s something that we, you know, of course with the podcast, we’re always trying to share collaboration, kind of breed success for everybody. So kudos to the ORE [00:02:00] Catapult for putting that event on. Allen Hall: Yeah, a big thing. So, or Catapult, it was a great event. I’ve met a lot of people that I’ve only known through LinkedIn, so it’s good to see them face to face and. Something that we’ve had on the podcast. So we did a number of podcast recordings while we’re there. They’ll be coming out over the next several weeks, so stay tuned for it. You know, one of the main topics at that event in Edinburg was the great British Energy announcement. This is huge, Joel. Uh, so, you know, you know, the United Kingdoms has been really pushing offshore wind ambitions for years, but they don’t have a lot of manufacturing in country. Well, that’s all about the change. Uh, great British energy. Which is a government backed energy company just unveiled a 1 billion pound program called Energy Engineered in the uk, and their mission is pretty straightforward. Build it in the uk, employ people in the uk, and keep the economic benefits of the clean energy transition on British soil. 300 million pounds of that is really [00:03:00] going to be focused on supply chain immediately. That can happen in Northern Ireland, Scotland, Wales, and England. It’s a big promotion for the UK on the wind energy side. I see good things coming out of this. What were your thoughts when you heard that Joel Saxum: announcement, Joel? The offshore wind play. Right. It’s like something like this doesn’t happen to economies very often. Right. It’s not very often that we have like this just new industry that pops outta nowhere. Right. We’re, we’re not making, you know, it’s like when, when. Automotive industry popped up in the, you know, the early 19 hundreds. Like that was this crazy new thing. It’s an industrial revolution. It’s all this new opportunity. So offshore wind in, in my idea, same kind of play, right? It’s this new thing or newer thing. Um, and as a government, um, coming together to say, Hey, this is happening. We have the resources here. We’re gonna be deploying these things here. Why would we not take advantage of building this here? I mean. Any politician that says I’m bringing jobs or I’m bringing in, you [00:04:00] know, um, bringing in funds to be able to prop up an industry or to, uh, you know, start a manufacturing facility here or support an engineering department here, um, to be able to take advantage of something like this. Absolutely right. Why offshore this stuff when you can do it Here, you’ve got the people, you have the engineering expertise. It’s your coastline. You’ve operated offshore. You know how to build them, operate ’em, all of these different things. Keep as much of that in-house as you can. I, I mean, we’ve, we’ve watched it in the US over the last few years. Kind of try to prop up a supply chain here as well. But, you know, with regulations and everything changing, it’s too risky to invest. What the, it looks like what the UK has seen over there is, well, we might as well invest here. We’ll throw the money at it. Let’s, let’s make it happen on our shores. The Allen Hall: comparison’s obvious to the IRA Bill Yolanda and the IRA bill came out, what, A little over two years ago, three years ago, roughly. We didn’t see a lot of activity [00:05:00] on the manufacturing side of building new factories to do wind. In fact, there was a lot of talk about it initially and then it. It really died down within probably a year or so. Uh, you know, obviously it’s not a universal statement. There were some industries model piles and some steelworks and that kind of thing that would would happen. But sometimes these exercises are a little treacherous and hard to walk down. What’s your thoughts on the UK government stepping in and really. Putting their money where the mouth is. Yolanda Padron: I think it’s, I mean, it’s, it’s great, right? It’s great for the industry. It’ll, it’ll be a great case, I think, for us to look at just moving forward and to, like you said, government’s putting their money where their mouth is and what exactly that means. You know, not something where it’s a short term promise and then things get stalled, or corporations start looking [00:06:00] elsewhere. If every player works the way that they’re, it’s looking like they’re going to play right now, then it, it could be a really good thing for the industry. Allen Hall: Well, the, the United States always did it in a complicated way through tax policy, which means it runs through the IRS. So any bill that passes Congress and gets signed by the president, they like to run through the IRS, and then they make the tax regulations, which takes six months to 12 months, and then when they come out, need a tax attorney to tell you what is actually written and what it means. Joel, when we went through the IRA bill, we went through it a couple of times actually, and we were looking for those great investments in new technology companies. I just remember seeing it. That isn’t part of the issue, the complexity, and maybe that’s where GB Energy is trying to do something different where there’s trying to simplify the process. Joel Saxum: Yeah. The complexity of the problem over here is like that. With any. Business type stuff, right? Even when you get to the stage of, um, oh, this is a write off, this is this [00:07:00] for small businesses and those things, so it’s like a delayed benefit. You gotta plan for this thing. Or there’s a tax credit here, there. Even when we had the, um, the electric vehicle tax credits for, uh, individuals, right? That wasn’t not something you got right away. It was something you had to apply for and that was like later on and like could be. 15 months from now before you see anything of it. And so it’s all kind of like a difficult muddy water thing in the i a bill. You’re a hundred percent correct. Right. Then we passed that thing. We didn’t have the, the rules locked down for like two years. Right. And I remember we had, we had a couple experts on the podcast talking about that, and it was like, oh, the 45 x and the 45 y and the, the C this and the be that, and it was like. You needed to have a degree in this thing to figure it out, whereas the, what it sounds like to me, right, and I’m not on the inside of this policy, I dunno exactly how it’s getting executed. What it sounds like to me is this is more grant based or, and or loan program based. So it’s kinda like, hey, apply and we’ll give you the money, or we’ll fund a loan that supports some money of with low interest, zero [00:08:00] interest, whatever that may be. Um, that seems like a more direct way, one to measure ROI. Right, and or to get things done. Just just to get things done. Right. If someone said, Hey, hey, weather guard, lightning Tech. We have a grant here. We’d like to give you a hundred grand to do this. Or it was like, yeah, if you put this much effort in and then next year tax season you might see this and this and this. It’s like, I don’t have time to deal with that. Yolanda Padron: Yeah. We might also just change the rules on you a little bit, and then maybe down the line we’ll see where we go. Yeah. It does seem like they’re, they’re setting up the dominoes to fall in place a bit better. This way. Yeah, absolutely. Joel Saxum: That’s a, that’s a great way to put it, Yolanda. Let’s setting up the dominoes to fall in place. So it’s kinda like, Hey. These are the things we want to get done. This is what we wanna do as an industry. Here’s a pool of money for it, and here’s how you get access to it. Allen Hall: A lot’s gonna change. I remember, was it a couple of months ago, maybe, maybe a year ago, time flies guys. Uh, we were just talking about. That on the way home from [00:09:00]Scotland, like how many people have had in the podcast? It’s a lot over 60 have been on the podcast as guests. Uh, one of the people we want to have on is, uh, Dan McGrail, who’s the CEO of Great British Energy because, uh, we had talked about with Rosemary the possibility of building turbines all in. The uk, they have blade factories. All this stuff is doable, right? They have technology. This is not complicated work. It just needs to be set up and run. And maybe this is the goal is to just run, it may maybe not be OEM focused. I I, that’s what I’m trying to sort through right now as, is it vestas focused? Is it GE focused? Is it Siemens Keesa focused? Is there a focus or will these turbines have GB energy? Stamped on the side of them. I would Joel Saxum: see love to see support for sub-component suppliers. Yeah, I would too. Yeah. The reason being is, is like that’s, that’s more near and dear to my heart. That’s what [00:10:00] I’ve done in my career, is been a part of a lot of different, smaller businesses that are really making a difference by putting in, you know, great engineering comes from small businesses. That’s one of my, my things that I’ve always seen. It seems to be easier to get things done. In a different way with a small business than it does to engineering by committee with 50 people on a team faster, sometimes better. Uh, that’s just my experience, right? So I would like to see these smaller businesses propped up, because again, we need the OEMs. Yes, absolutely. But also spread it around, right? Spread the wealth a little bit. Uh, you know, a, a factory here, a factory there, a engineering facility here. The, uh, you know, an execution plant here. Some things like that. I would love to see more of these kind of, uh, spread around like the, like GB energy’s money spreads around, like fairy dust. Just kind of plant a little here, plant a little in this city, make a little here, instead of just lumping it to one or lumping it into one big, um, OEM. And that doesn’t necessarily [00:11:00] have to be an OEM, right? It could be a blade manufacturer that I’m talking about, or. Or a big, big gearbox thing or something like that. We need those things, and I, I’m all for support for them, but I just don’t think that all of its support should go to them. Speaker 7: Australia’s wind farms are growing fast, but are your operations keeping up? Join us February 17th and 18th at Melbourne’s Poolman on the park for Wind Energy o and M Australia 2026, where you’ll connect with the experts solving real problems in maintenance asset management. And OEM relations. Walk away with practical strategies to cut costs and boost uptime that you can use the moment you’re back on site. Register now at W OM a 2020 six.com. Wind Energy o and m Australia is created by Wind Professionals for wind professionals because this industry needs solutions, not speeches. Allen Hall: If you haven’t booked your tickets to Wind Energy o and m Australia 2026, you need to be doing [00:12:00] that. Today, uh, the event is on February 17th and 18th in Melbourne, Australia. Uh, we’ll have experts from around the world talking everything o and m, and there’s so many good people are gonna be on the agenda, Joel, and a lot of big companies sponsoring this Joel Saxum: year. Allen Hall: You want to give us a highlight? Joel Saxum: Yeah, so like you said, Alan, we have a ton of sponsors going to be there and, and I’d like to say the sponsors. Thank you ahead of time. Of course. Right. We’re, we’re, we’re super excited for them to get involved because as we’ve put this event together. We’re trying to do this no sales pitches, right? So we wanna do this, not pay to play. We want people here that are going to actually share and learn from each other. And the sponsors have been kind enough to get on board with that message and follow through with it. So, like our lead industry sponsor Tilt, uh, Brandon, the team over there, fantastic. Um, they have, they’re, they’re the, their key sponsor here and they’re supporting a lot of this. So the money’s going to applying in experts from all over the [00:13:00] world, putting this thing together. Uh, so we have an, uh. A forum to be able to talk at, uh, C-I-C-N-D-T. From here in the States, uh, we’ve got Palisades, who’s another operator in the, uh, Australian market, uh, rig com. ISP over there doing blade work and it just keeps rolling down. We’ve got squadron on board, squadron’s gonna do one of the coffee carts. Um, so I know that we’ve got a limited bit of tickets left. I think we are 250 in the venue and that’s what the plan is. I think we’re sitting at about half of that leftover. Allen Hall: Yeah, it’s getting close to running out. And I know in Australia everybody likes to purchase their tickets at the last minute. That’s great. And but you don’t wanna miss out because there is limited seating to this event. And you wanna go to WMA w om a 2020 six.com. Look at all the activities. Book some tickets. Plan to book your travel if you’re traveling from the United States or elsewhere. You need a couple of weeks [00:14:00]hopefully to do that ’cause that’s when the airline prices are lower. If you can book a a couple of weeks ahead of time. So now’s the time to go on Woma 2020 six.com. Check out the conference, get your tickets purchased, start buying your airline tickets, and get in your hotel arranged. Now’s the time to do that. Well, as you know, war has been selling off pieces of itself after setbacks in the America market. Uh, sounds like two heavyweight bidders are looking for one of those pieces. Copenhagen Infrastructure Partners and ENG G are allegedly competing for Seds European. Onshore Wind business, a portfolio valued at roughly 1 billion euros. Supposedly the bids are gonna be due this week, although nothing is certain in a billion dollar deals. This is a little bit odd. I understand why Stead is doing it, because they’re, they’re trying to fundraise, but if they do this. They will be essentially European offshore wind only [00:15:00] with some American onshore and a little bit American offshore. Not much. Uh, that will be their future. Are they gonna stay with America one onshore or, and American offshore? Is that a thing? Or they just could, could be all European offshore wind. Is that where Osted is headed? It’s a complicated mix because, you know, they’re, they’re, they’ve negotiated a couple of other deals. Most recently to raise cash. They’re supposedly selling, uh, another set of wind farms. I dunno how official that is, but it’s, it seems like there’s some news stories percolating up out there trying to raise more cash by selling large percentages of offshore wind farms. Where does Joel Saxum: this all end? I don’t know. The interesting thing is like if you looked at Ted, uh, man, two years ago, like if you Googled anything or used a jet, GPT or whatever it was like, gimme the. Three largest wind operators in the world. They were the top three all the time. Right. And, and most valuable. At one point in time, they were worth like, [00:16:00] uh, I don’t wanna say the wrong number, but I, I thought, I thought 25 billion or something like that. They were worth. ATS at one point in time. Market share. Allen Hall: Yeah, Joel Saxum: I think that seems right. So like they, they were huge and it just seems like, yeah, they’re trying to survive, but in survival mode, they’ve just kind, they’re just dwindling themselves down to being just o just a small offshore company. And, or not small, but a small, just a, just a siloed offshore company. A large offshore company. Yeah. Yeah. But I mean, like, even just, there was, there’s another article, um. Today we’re, we’re talking here, CIP and Engie looking to buy their European onshore business. They’ve also are putting up like, uh, was it greater Ang of four in Taiwan for, for sale as well. So, I mean, like you said, where does it stop? I don’t know. Um, CIP is an interesting play. Uh, an Eng, CIP and Engie kind of battling this one out ’cause the CIP management team is a bunch of ex or said people, so they know that play very well. Um, ENGIE of course, being a big French [00:17:00] utility. So that one will sell, right? They’re, their European offshore or onshore assets will be gone shortly. Uh, they’ll be sitting with a bunch of offshore assets that they own and partially own around the world. Uh, and of course their, their, I think their US onshore fleet is about a gigawatt, maybe a and a half. Um, that could be the next domino to fall. You don’t, I, sorry, Yolanda, I used your, your, your, uh, euphemism from before, but, um. That they’re actively parting ways with some stuff. I don’t know when it stops. Allen Hall: It is odd, right? EOR has basically stopped a lot of renewables. Stat Craft has pulled back quite a bit. Another Norwegian company. A lot of the nor Northern European companies are slowing down in wind altogether, trying to stick to onshore for the most part. Offshore will still be developed, but just not at the pace that it needed to be developed. There is a lot of money moving around. Billions [00:18:00] and billions of, of euros and dollars moving. And I guess my, my thought is, I’m not sure from a market standpoint where Orid is headed, or even Ecuador for that matter, besides maybe moving back into oil and gas. They never really left it. The direction of the company is a little unknown because these, uh, news articles about sales. Are not really prefaced, right? It’s just like, all right, Taiwan, we’re selling more than 50% of the projects in Taiwan. We’re out, we’re selling European onshore pow, which there’d been some rumors about that, that I had heard, but nothing was really locked in, obviously, until you really start seeing some reliable news sources. Copenhagen Infrastructure Partners is an interesting play just because it kind of keeps it. Up in Denmark and not in France with Engie. That’s what I’m, in my [00:19:00] head. I’m thinking Sted is not likely to sell it to Engie just because they’re French. This is a national, uh, security issue for Denmark Sted. Is it, I I how Engie is involved in this maybe to help set a, a baseline of what the valuation is so that CIP can then purchase it. Do you see CIP losing this, Joel? Joel Saxum: No, I don’t think so. I think, yeah, I think CCIP has to land with this one and, and CI P’s been building a portfolio quietly, building a, not, I guess not quietly, they’ve been building a portfolio for the last few years. It’s pretty stout, uh, pretty fairly sizable. Right? And it, it’s an interesting play watching this for me because you, you see all these people kind of rotating out. And it, and it has to do with the, the, in my opinion, it has to do with the macroeconomics of things, right? Once, when you develop something and you get through, like in, into the teething pain cycle and all that kind of stuff. [00:20:00] The asset is not designed to have a 50, 70%, you know, margin, right? That’s not how wind works. Wind, wind operates of small margins and a lot of times in the early, a early stages of a project, you end up running into issues that eat those margins away. So when you’re talking about small margins, they’re six to 10% is what you kind of see. Um, and it’s pretty easy to eat away a 6% or a 10% margin. If you have some kind of serial defect you have to deal with, uh, or that, that the OEM’s fighting you on and, and you know, whether or not they take responsibility for it or you have to pay for it. A lot of times those processes can drag out for 12, 24, 36 months until you get made whole. So the early state, the first, you know, five years of a lot of these projects, five to eight years, are very expensive. And then once you get through kind of those things and the thing starts just chugging. Then you actually are starting to make money, and that’s where CIP P’S buying these assets is in that years after it’s gone through its teething pains and the company that developed it is like, man, [00:21:00] we need to get outta this thing. We’ve just been burning through cash. Then CI P’s kinda swooping in and grabbing ’em. And I think that this is another one of those plays. Allen Hall: So they’re gonna live with a smaller margin or they’re gonna operate the assets differently. Joel Saxum: The assets may be being operated better now than they were when they started, just in that, in, they exist, the starting company simply because the, some of the issues have been solved. They’ve been sorted through the things where you have early, early failures of bearings or some stuff like the early fairings of gearboxes. Those things have been sorted out, so then CIP swoops in and grabs them after the, the teething issues that have been gone. Allen Hall: Does evaluation change greatly because of the way horse did, manages their assets? Up or down? Joel Saxum: I would say generally it would go up. Yeah. I don’t necessarily think it’s dependent on o and m right now. I think it’s just a, it’s a time to buy cheap assets, right? Like you see, you see over here in the States, you see a lot of acquisitions going on. People divesting, they’re not divesting because they’re like, oh, we’re gonna make a ton of money off this. They may need the cash. They’re [00:22:00] divesting in, in, um, what’s the term, like under duress? A lot of them, it may not look like it from the outside in a big way, but that’s kind of what’s happening. Yolanda Padron: Yeah, I think it’ll be really interesting to see, uh, you know, there were a lot of layoffs in Ted and Europe as well, so seeing if maybe some of the people who can make those assets perform better. Come back just with a different t-shirt on. Allen Hall: As wind energy professionals staying informed is crucial, and let’s face it difficult. That’s why the Uptime podcast recommends PES Wind Magazine. PES Wind offers a diverse range of in-depth articles and expert insights that dive into the most pressing issues facing our energy future. Whether you’re an industry veteran or new to wind, PES wind has the high quality content you need. Don’t miss out. Visit PES wind.com today in this quarter’s, PES Wind Magazine, which you can download a copy at PES [00:23:00] wind.com. There’s an article by Xan and they were, uh, contracted by Ocean Winds to evaluate the sea floor from. The sea floor at Moray West, which is way, way, way up north on the northern end of Scotland. A pretty rough area, Joel. And, but what ex Ocean did was they used unmanned survey equipment to monitor the ocean floor where the mono piles were gonna replace for the Moey West Wind Farm. That is a really difficult area to operate any sort of boat, but. Uh, the reason we’re doing this remotely unmanned was that it, it gave them sort of a, a less costly way to get high resolution images of the sea bottom. This is interesting because ocean wind was developing more a West apparently hadn’t used anything like this before, but the results, at [00:24:00] least from what I can see in PS win, look Joel Saxum: great. Yeah. This is a technology that’s been, um. Man, it’s been under development by a lot of companies in the last six, eight years. And now it’s starting to get to the point where it is, I mean, we’re, we’re TRL nine plus, right? There’s a lot of these solutions out there that are commercially ready. Xans been a top of this list since, man, since I was playing in that oil and gas world, to be honest with you. Like 20 18, 20 17, uh, really cool looking boats. That’s besides the point. Uh, but when they show up at trade shows and stuff with ’em, you’re like, ah, oh, that thing’s neat looking. Um, but it, it, it, it solves all kinds of problems, right? So when you go offshore and you’re just gonna do, say you’re just gonna go out there and do multibeam, so you’re just gonna do echo sound where you’re just looking to see depths and what’s on the sea floor. The minimum kind of vessel you need for that is 10 to 15 meters long. You need probably two to six people on that vessel. And that’s just, if you’re going out doing shift work, if you’re staying out there [00:25:00] and working 24 7, that vessel grows to. 30 meters instantly, right? So now you’re burning thousands and thousands of dollars in fuel. You’ve got food on board. You got all, it’s just a pain to put this vessel out there. You take all of those people out of harm’s way. You take all the costs away and they, and you put two of them, or one or two of them on shore in a facility, and then you put this three meter vessel out there that’s fully autonomous. No people, but collects the same style of data. I mean, it’s a no brainer, right? So you’re getting the same style of data and if, and the thing’s working 24 7, there is no need to have someone sleep. There’s a not a technician issue. There’s not, none of this is, is a problem anymore. Nobody’s getting seasick, right? So you’re sitting, you’re, you’re sitting back on shore, uh, going to work, uh, with no PPE on, um, having a, having a coffee from Starbucks down the street. And you’re running this thing 24 7, you’re collecting all [00:26:00] that fantastic data. Uh, it is just, like I said, it’s a no brainer. Now, now they’re getting to the stage where they’re putting ’em out as swarms, so you can cover whole fields. You’re doing live cable inspections. It’s, it’s pretty fantastic. So Exo ocean’s really making the next generation of robotics o offshore. Allen Hall: Yeah. And that’s gonna drive down the cost of energy. These kind of developments make huge strides in lowering costs, and this is why you need to read PES Win Magazine. So there’s a. Great articles all throughout the magazine. This quarter’s issue is, is Heavy with articles. Get your free copy@pswin.com today. As you know, in the wind industry, survival has always belonged to those who can keep up, uh, and Sorn freeze. Nuon knows better than most with his decades of experience at LM Wind Power and Uzon. He now chairs two Danish subcontractors, Polytech and Jupiter. Bach. Uh, his message to smaller suppliers in, in a recent article is. Pretty blunt. It [00:27:00]says the manufacturers, big OEMs want fewer partners and larger partners who can take on more responsibility. And if you cannot invest and grow with those manufacturers, you’ll be left behind the winners. It says it will be those who stay close to the turbine makers and adapt as the industry evolves. Joel, this is a really interesting discussion that, uh, Soren put out there. Obviously he’s invested in Polytech and Jupiter, Bach, uh, to great suppliers obviously, but small businesses are where a lot of the key technologies have been driven over the last five, six years. In wind, or more broadly the last 20 years in wind, a lot of great technology has come out of places that you wouldn’t have thought of. The OEMs have not been the bastion of innovation. I would say it [00:28:00] is necessary. You have both, wouldn’t you think? You have to have the small business innovation to prove out ideas and to show that they work, but you also have to have the large manufacturers to implement those ideas more broadly without either one of them, nobody wins. Joel Saxum: I fully agree and I think that one of the things that’s a little bit, uh, more of a granular comment there is. I think sometimes you need the OEMs and the other suppliers within the supply chain to open their doors a little bit, right? So this is, this is me wearing my, my small business, small innovative business, uh, in the wind industry cap. And that is, man, sometimes it is hard to get a conversation with a large subsupplier or with an OEM when you have something that can help them. And they just don’t want to communicate, don’t want to help. It’s just our way or the highway kind of thing. And if you watch, like we, so the podcast gives us an kind of, or not [00:29:00] gives us, it forces us to have kind of an op, an opportunity to look at, you know, what are the, what are the financial statements of some of these OEMs? What are the financial statements of some of their large sub-suppliers? You know? ’cause if they’re located in countries where that stuff is public knowledge, you can see how and what they’re doing. And if you, if you look at business in a general way where you rely on one customer or two customers to, for your whole business, you’re gonna be hurting. Um, especially in the way we look at things or what we’re seeing in the wind industry right now is if you’re, if you are a large company to say you do a hundred million in revenue and your customers are ge Vestas. Depending on what happens regulatory wise, in some random country somewhere your a hundred million dollars could shrink to 50 real quick. Um, so I don’t think that that’s a great way to do business. I think, you know, having a bit of diversification probably helps you a little bit. The OEMs Allen Hall: have a particular job to do. They need to deliver turbines onsite on time and create power for their customer. That’s our main [00:30:00] focus. They are a generator. Driven company, they make generators on steel towers with a propeller system basically. Right. Just simplify it way, way down. There’s not a lot of technology in that itself. Obviously there’s control systems, obviously there’s electronics involved, but the concept from this basic fundamentals is not difficult to to grasp. The difficulty is in execution. Showing that that product can last for 20 years, and that product can last in different environments. Australia, United States, up in Scandinavia, Canada, way down south and Brazil. There’s some really rough environments there and the OEMs are relying upon in industry, uh, guidance from like the IECs and then the dvs, uh, uls Tube. Nord. Uh. Bvs where they’re trying to make these turbines comply to a [00:31:00] set of essentially regulations, which just simplify it. You can do that. But as we have seen historically in the wind industry, if you make a turbine that just meets those requirements, you do not necessarily have a successful product. You have a product that is marginal, and as Yolanda has pointed out to me numerous times, there’s a lot of real issues in wind turbines. That probably could have been solved five years ago by small mobile companies with outside of the box ideas that could have given the OEMs a huge advantage, especially in blades. Yolanda Padron: Yeah, and I think a lot of these companies are, they’re looking at things from a different point of view, right? They’re smaller companies. You have people who could know the product, they know the real issue that’s going on on the ground. They know. Kind of what they need to do, what the next step is to move forward in their solution.[00:32:00] Right? But it’s not like it’s a, a company where you need 30 people to sign off before you can go onto the next stage, and then you need 30 more people to sign off before you can get funding to do something else. And so yes, the OEMs are doing a good job in their scope. If they’re meeting their scope, they are doing a good job. You know, if I, if I take like bread and cheese, then yes, I have a sandwich, right? Like, it might not be the best sandwich in the world, but I have a sandwich. So like, they’re making the sandwich and that’s great. But if you want something to, to actually work and to last and to, to give everybody else the, the idea that. You know, wind is profitable and we can all benefit from it. You have to get all those different layers in there, right? You have to make [00:33:00] sure that you know, if you have a big lightning issue, then you get the right people in the room to get that retrofit in there to solve your lightning issue. If you have a big leading edge erosion issue, then you get those right people in the room to solve everything, and it’s not always going to be a one size fits all. Right, but you do need those smaller companies to, to be in the room with you. Joel Saxum: I’m a hundred percent agreeing with you, Yolanda, and I think that this is the issue here is that at some level then an OEM, an OEM engineering head would have to admit that they’re not the end all be all, and that they may have got a couple of things wrong. And what, what I would love to see and who, and maybe maybe ask you this question, who of the major four Western OEMs. Do you think would be open to like an industry advisory board? Nordex, you think it’s Nordex? I think Yolanda Padron: that’s the closest one so far that we’ve seen. Right? Joel Saxum: Yeah. I, I, I agree with you, and I’m saying that because I don’t think any of the other ones would ever admit that they have an [00:34:00] issue, right? They have attorneys and they have problems, Allen Hall: so they really can’t, but I, I think internally they know that they haven’t optimized their production, they haven’t optimized their performance out in the field. They’re trying to improve availability, that’s for sure. Estes has spent a great deal of time over the last year or two improving availability so that the money is being spent. The question is, do they have all the right answers or the overspending to get to the availability that they want to deliver to their customers? That’s a great question because I do think that we we’re just in Scotland and there’s a number of technology companies in the UK that I think, wow, they should be implementing some of these. Ideas and these products that have been proven, especially the ones that have been out for a couple of years, they should be implemented tomorrow, but they’re not yet because they can’t get through the door of an OEM because the OEM doesn’t want to hear it. Joel Saxum: Yeah, agreed. Agreed. Right. Well, well, like I, the, the, the example that keeps popping into my mind is Pete Andrews and the team over [00:35:00] at Echo Bolt, simply because they have a solution that works. It’s simple. They’ve done the legwork to make sure that this thing can be optimized and utilized by technicians in the field around the world. But they, it just like, they haven’t gotten the buy-in from, from whoever, uh, that it seems to be, you know, there’s a hurdle here. Uh, and that hurdle may be the Atlantic Ocean. I don’t know. Uh, but I would love to see, I would love to see their, uh, solution for bolted connections, uh, and monitoring bolted connections kicked around the world because I think you could save. Uh, the wind industry a ton, a ton, a ton of money. And that is an example of a small business full of subject matter experts that made a solution that can solve a problem, whether you’re an OEM or you’re an operator or whatever. There’s there that’s there, utilize them, right? Those are the kind of things that we need in this industry. Yolanda Padron: And it’s also those smaller companies too that will look at your feedback and then they’ll say, oh. Okay, do I need to adjust here? [00:36:00] Did I not focus on this one parameter that your specific site has? Right. And you don’t see that from the OEMs ’cause they have so, uh, they have so many problems that they’re trying to tackle at once that it gets really difficult to, not just to hone in on one, but to, to tell everybody, oh, I, I have this perfect solution for everything. Here you go. Allen Hall: Right. I think there’s an internal conflict in the engineering departments and manufacturing departments of any OEM, regardless if it’s in wind or in any other industry, is that they have a system to make this product and they’re pretty confident in it, otherwise they wouldn’t be doing it. They don’t want to hear outside noise is I, I would describe it as noise. Like, uh, if you have a great solution that would help out their manufacturing process. But I work here, I know how, I know the ins and outs that that new idea by a small company won’t work here. Those [00:37:00] barriers have to be knocked down internally in the OEMs. The OEM management should be going through and saying, Hey, look, if I find me the manager of this operation, if I find a company that could help us and save us money, and you’re being a roadblock, guess what? See ya. Hit the road because there is no way you can let those opportunities pass you by. In today’s marketplace, you need to be grabbing hold of every opportunity to lower your cost, to improve your product availability, to improve your relationship with your customers. How do you do that? Quickly, you look at the companies that are providing solutions and you grab them, grab them, and hold on for your life and listen to what they have to say because they have probably done more research into your product than your people have. That wraps up another episode of the Uptime Wind Energy Podcast. If today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t forget to subscribe so you never miss an episode. If you [00:38:00] found value in today’s discussion, please leave us a review. It really helps other wind energy professionals discover the show and we’ll catch you here next week on the Uptime Wind Energy Podcast.

Fear is the most common obstacle that most people face. When it comes to most people, the fear of failure is a major motivator.Read&Listen MoreSupport the show

Your passenger can literally talk you into jail—and you won't even know it's happening until the handcuffs are on.I'm Connor MacIvor, 20-year LAPD motor officer, and I've seen this exact scenario play out HUNDREDS of times during my career on the streets of Los Angeles.After two decades conducting traffic stops, I'm breaking down the #1 mistake passengers make that escalates simple traffic violations into criminal investigations—even when the DRIVER did nothing wrong.THE SCENARIO:I stop someone for running a red light. Simple ticket. PASSENGER starts sweating, looking nervous.I ask: "Are you okay?"They BLURT: "The drugs aren't mine!"Now I have probable cause. Vehicle search. BOTH arrested—driver had NO IDEA.THE GUN SCENARIO:Driver forgets firearm in vehicle. I spot weapon during approach. Depending on state/permit, this escalates to felony stop—guns drawn, backup called.In California, CCW permits were rare. If you have a firearm, declare it IMMEDIATELY.MY RECOMMENDATIONS (20 Years):DO THIS:✓ Hands visible on steering wheel✓ Stay calm (nervous = suspicious)✓ Provide license/registration/insurance✓ Answer ID questions only✓ Choose passengers carefullyDON'T:✗ Make sudden movements✗ Volunteer extra information✗ Let passengers talk✗ Argue—save it for courtTHE "I REFUSE" STRATEGY:You're required to provide ID documents. Beyond that, you have the right to remain silent. The less you say, the less can be used against you. Be polite, comply with lawful orders, stay strategically silent.WHY TICKETWHISPERER EXISTS:After 20 years enforcing traffic law, I've seen how lack of education leads to unnecessary escalations. TicketWhisperer exists for one reason: Fairness through education.Understanding how the system works isn't about avoiding accountability—it's about navigating encounters competently and protecting your rights.RESOURCES:• Full Video Breakdown: https://www.loom.com/share/cb1cc245a1ab44458179a41ee0d9ad09• TicketWhisperer Website: [Your website]• Santa Clarita Open Houses: SantaClaritaOpenHouses.comQUESTIONS? Drop them in the comments. I read and respond to every one.Subscribe for weekly insider traffic law secrets from a former LAPD motor officer who's seen it all.For fairness. That's the whole deal.

In our previous episode, we talked about a coaching student who found 3,800 test-worthy ASINs in 12 weeks. Today, I talk more about the TWO different ways to do Amazon reselling.   Depending on your budget and time available, one of the two makes the most sense - or maybe you'll do both!   If your budget is tight (you can't afford to buy the inventory needed to sell $2000 or more per month), you'll want to stick with simpler models to help cover your expenses, but for those ready to go further faster, the door is wide open with 3PMercury to scale at the speed of your ability to be a BUILDER!   Let's talk about it.   Don't forget to check out Sellerboard, our awesome sponsor - THE accurate profit analytics tool for Amazon sellers that helps you calculate your profit precisely accounting for all hidden fees and in real time. Use our link and get a TWO month freetrial: https://SilentJim.com/numbers    Watch this episode on our YouTube channel here: https://youtu.be/oHJ0Nt96rug     Show note LINKS: 3PMercury.com - Our best price https://3pmercury.com/friends    SilentJim.com/bookacall - Schedule a FREE, customized and insightful consultation with my team or me (Jim) to discuss your e-commerce goals and options.   ProvenAmazonCourse.com - The comprehensive course that contains ALL our Amazon training modules, recorded events, and a steady stream of the latest cutting-edge training, including of course, the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   My Silent Team Facebook group. 100% FREE! https://www.facebook.com/groups/mysilentteam - Join 82,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!    

In our final episode of 2025, Christian Nolting, the Private Bank's Global Chief Investment Officer, sounds an optimistic note for markets in the New Year. “We've now seen three very good years” in markets, Christian says. “I think in ‘26, there might be some more volatility coming up. But overall, I would say the macroeconomic backdrop is a positive one.”The Federal Reserve just delivered a rate cut, and the market is expecting more in 2026, Christian says. But in the week ahead, markets will be alert to the delayed US jobs data. The official numbers “will be very important for the US because there was some weakness in the labour market.”For more investing insights, please visit wealth.db.com.In Europe, Middle East and Africa as well as in Asia Pacific this material is considered marketing material, but this is not the case in the U.S. No assurance can be given that any forecast or target can be achieved. Forecasts are based on assumptions, estimates, opinions and hypothetical models which may prove to be incorrect. Past performance is not indicative of future returns.Performance refers to a nominal value based on price gains/losses and does not take into account inflation. Inflation will have a negative impact on the purchasing power of this nominal monetary value. Depending on the current level of inflation, this may lead to a real loss in value, even if the nominal performance of the investment is positive. Investments come with risk. The value of an investment can fall as well as rise and you might not get back the amount originally invested at any point in time. Your capital may be at risk.The services described in this podcast are provided by Deutsche Bank AG or by its subsidiaries and/or affiliates in accordance with appropriate local legislation and regulation. Deutsche Bank AG is subject to comprehensive supervision by the European Central Bank (“ECB”), by Germany's Federal Financial Supervisory Authority (BaFin) and by Germany's central bank (“Deutsche Bundesbank”). Brokerage services in the United States are offered through Deutsche Bank Securities Inc., a broker-dealer and registered investment adviser, which conducts investment banking and securities activities in the United States.Deutsche Bank Securities Inc. is a member of FINRA, NYSE and SIPC. Lending and banking services in the United States are offered through Deutsche Bank Trust Company Americas, member FDIC, and other members of the Deutsche Bank Group.The products, services, information and/or materials referred to within this podcast may not be available for residents of certain jurisdictions. © 2025 Deutsche Bank AG and/or its subsidiaries. All rights reserved. This podcast may not be used, reproduced, copied or modified without the written consent of Deutsche Bank AG. 030620 030121

How much money has water damage cost your owners? How much time and money could you save if you were able to detect issues within a property before they became a larger problem?  In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with Nadav Schnall to explore how innovative water and gas leak detection systems are transforming residential property management and to share how these technologies can prevent costly damage, protect tenants, and streamline maintenance operations for property managers. You'll Learn [1:14] Nadav Schnall's Background in Property Management [05:06] Innovative Solutions for Leak Detection [11:07] Understanding the Technology Behind Pro Sentry [17:25] Implementing Smart Detection Systems Quotables "If something goes unchecked, somebody's out of town, there's a water leak, I mean, it can just do massive damage." "The responsibility of a property manager is to make sure the building is operating properly, to make sure it's operating efficiently, to mitigate damages, to mitigate risks." "Time is of the essence when something like this happens." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Nadav Schnall (00:00) No need for displacement, no need to wake up in the middle of the night, come back to a flooded home. So we can solve all that   Jason Hull (00:05) All right. Welcome everybody. I am Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. We have spoken to thousands of property management business owners, coached, consulted, and cleaned up hundreds of businesses.   helping them add doors, improve pricing, increase profits, simplify operations. And we run the leading property management mastermind with more video testimonials and reviews than any other coach or consultant in the industry. At DoorGrow, we believe that good property managers can change the world and that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. We are on a mission to transform property management business owners and their businesses. We want to transform the industry.   eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. Today, my guest is Nadav Schnall. Welcome, Nadav   Nadav Schnall (01:14) Thank you for having me, Jason.   Jason Hull (01:15) All right, so your company is called ProSentry. We're going to be getting into that. But before we chat about our topic today, which is protect, prevent, perform smart leak detection for modern property managers, tell us a little bit about your background, how you got into entrepreneurism and what finally led you.   Nadav Schnall (01:33) Sure, happy to provide some background. So my background is actually in property management. I was a property manager for about a decade for First Service Residential in New York City. I had their kind of luxury.   group or luxury division. So I did a lot of consulting for developers and lot of property management, opening buildings, know, placing staff, making sure buildings kind of transition from construction to operation. So that was really the lion's share of my background as it relates to property management. Then I went into and opened another company that had to do with the service industry, kind of fire suppression systems, mechanicals, kind of the   the heart of a building, so to speak. And that led me to connect with my co-founder and business partner, John Russ, who is a builder in New York City. I've known him for probably about 15 years. And we came together to do this idea. So really very much so kind of experiencing firsthand.   what we are trying to solve and that's kind how I got into the world of entrepreneurship and into the world of ProSentry   Jason Hull (02:35) Got it. All right. Thanks for the background. So you're an expert. This is your bio, an expert in smart building monitoring. We're going to chat about exploring how innovative water and gas leak detection systems are transforming residential property management and maybe share how these technologies can prevent costly damage, protect tenants, streamline maintenance operations for property managers from boosting safety to increasing operational efficiency.   And in today's episode, you'll get to learn how smart monitoring is reshaping the way you care for your properties and your bottom line. So cool. I'm excited to get into this. So, so now, Nadav, where, where do we start?   Nadav Schnall (03:15) Well, we can probably start in property management. And I can tell you how many times I would wake up in the morning and I'd be checking my phone and then find that I have emails from last night that there was a leak in the building or my super calling me at two o'clock in the morning saying, hey, we had a flood or someone, there was a construction going on and someone left a window open and some pipe froze.   Jason Hull (03:19) Okay.   Nadav Schnall (03:42) And so that's kind of where it started for me, kind of really looking into these operational issues, which in today's day and age with technology, you are able to solve. And so that's where the journey started for me is really trying to look at properties and saying, how can we help common day-to-day occurrences? More so you look at the insurance industries and that's one of the...   biggest pluses that we try to bring to the table is trying to helping buildings with insurance. Water leaks are non-weather related water leaks are typically the top three causes for insurance claims.   And many times it's the number one reason for insurance claims. And so you look at these things and you're saying, there is technology out there. There is ways to substantially reduce that. How do we do that, improve the day-to-day work of property managers?   reduce insurance claims for buildings, reduce insurance rates and premiums, and also improve the life of the residents and tenants that live within. No need for displacement, no need to wake up in the middle of the night, come back to a flooded home. So we can solve all that and we focus in the multifamily. That's kind of our main focus.   Jason Hull (04:53) Yeah, Yeah, I mean, if something goes unchecked, somebody's out of town, there's a water leak, I mean, it can just do massive damage. Yeah, so how do we mitigate that?   Nadav Schnall (05:04) Yeah, so I can tell you a little bit about the technology and what we do and how we do it. first of all, traditional systems that existed so far were really based on Wi-Fi, which is a big difference. And they were more geared towards maybe something that you would do for your house or maybe something you would do for your apartment.   But how do you resolve that in a multifamily world, right? Where even if I am the most responsible resident in the building and I put water leak detection and temperature and humidity and maybe gas, you put all detection technologies in your apartment, you can still get leaked on from your apartment above. Something can still happen. And you just said it, right? A resident that may be away. And we have this actually. is an actual...   know, claim that we were able to avoid. In a building, someone, you know, it was a vacant apartment, a realtor came in to show the apartment, walked out to the terrace. It was a classic wintery day. Didn't close the door all the way.   Realtor left, came in, blew the apartment door open and the temperatures started going down and going down and going down. Luckily that building had ProSentry and that building was notified when the temperatures hit about 50 degrees and the resident manager of that building got the notification today that doesn't sound right. Of course, checked the records, found out there was a vacant apartment, ran upstairs, saw that the door was open, was able to close the door, turn on the heat before frozen pipes. But otherwise you would have had frozen pipe and that could have easily knocked out 10 apartments   insurance claims and so on and so forth. So I think that's kind of one of the biggest areas where we can save. And the nice part about that is insurance carriers are starting to recognize us and starting to recognize that we are actually reducing claims inside buildings. We're doing that across the board. We recently did a study across 18 months. We took a bunch of properties and we wanted to see what happened in those properties across an 18 month period.   we alerted those properties to over 6,000 different types of water events, right? Whether it's water or, you know, could be some, some of it can be just be drizzling. Some of could be, you know, a condensate drain and an HVAC unit overflowing, right? So different types of leaks. And then we followed up with the properties. Not one of those buildings and any of those water events resulted in an insured claim.   And so we were able to actually prove to the insurance world that this is a risk mitigative tool and actually the service that we provide, we like to call it risk mitigation as a service. ⁓ And by doing that, we've been able to help several buildings either move from kind of E &S, Excessive Surplus insurance policies over to admitted carriers, which of course are substantially cheaper.   Jason Hull (07:27) Yeah.   Nadav Schnall (07:41) or just simply being able to reduce insurance rates, right? You presented a certain risk before, now you present this risk. And so it can help properties both on the operation side, the maintenance side, but also on the insurance side. And I know I said a lot.   Jason Hull (07:53) Yeah.   No, that's, no, that sounds very fascinating. So I can see how this would be very important. So if the insurance companies are not having to do anything on these claims, then you would think they would be very incentivized to get people to implement this.   Nadav Schnall (08:10) That's 100%. So in New York State, for example, where we have a lot of presidents, especially in New York City, we work with a number of carriers that provide anywhere from, this is on the homeowner side, but anywhere from 3 % up all the way up to 12 % premium reductions.   year over year on your homeowners insurance policy. So if you have a building and let's say there's 100 apartments, if you happen to be insured with one of these insurance carriers, you will receive a discount on your premium year over year. their ROI is right there. And then of course we can help on the underlying building insurance policy as well.   Jason Hull (08:50) Got it, okay. So what are the benefits for the, that's obviously a benefit for the property owner, right? What are the benefits for the property manager?   Nadav Schnall (09:00) So, I mean, the obvious would be peace of mind, right? Because at the end of the day, the responsibility of a property manager is to make sure the building is operating properly, to make sure it's operating efficiently, to mitigate damages, to mitigate risks.   And so the advantages of property managerial, first of all, you're able to see what happens in your entire building. So you'll have a dashboard. You'll be able to see each one of our sensing technologies. And I think we've heavily focused so far on water leak detection and maybe temperature detection, which is really, you know, these are one of our biggest sellers, but we do anything from water to gas to oil leaks, to mechanical malfunctions, environmental issues, even rodents. So we have a lot.   know, thermostat. So we have different types of technologies all surrounded under our platform. And so the property manager will be able to see all these sensing, all these sensors across this entire building on one, on one dashboard. It will substantially reduce damages, right? So from a...   to do share responsibility to the building. is very important, but more so it also gives peace of mind, right? That you know that this apartment or this building or this area, because a lot of our installations are mechanical equipment, right? We have a building that had a couple of leaks coming from the mechanical systems. Every time there was a leak there, it leaked into the elevators. The elevators went out, had to call the elevator company out, had to file another insurance claim. And every time that's there, the amount of time the property managers have to spend   to deal with an incident like this, right? It doesn't only start with mitigating the damage itself. You gotta mitigate the damage, you gotta communicate with all the apartment owners, you gotta let them know what's going on. Then they have repairs, they have to coordinate with contractors, they have to file insurance claims, they have to file reports, they have to talk to their boards or their building owners. So there's a lot there. By installing a system like this, it gives you lot of peace of mind and saves you a lot of time.   Jason Hull (10:46) So less damage, less work for the property manager, less stress in having to deal with frustrated owners, frustrated tenants. Yeah, so win-win all the way around. So you had mentioned a few things that this equipment can send for.   So could you go over all those for us?   Nadav Schnall (11:04) Yeah, sure. It's 100%.   So we have, you maybe I started off a little bit in the beginning, we talked about Wi-Fi, but I really complete that thought. So I can start high level. So.   First of all, what we use is use a technology called LoRaWAN. LoRaWAN stands for long range wide area network. So it's very similar to Wi-Fi in the sense that it is a wireless technology that we can communicate over this wireless network that it creates. But indifferent than Wi-Fi, has a couple of major differences, which is huge for buildings, huge for properties, right? Especially existing buildings where you're trying to retrofit a system, which of course you're very sensitive to, right? Because if you're...   You know, if you're doing property management in a multifamily residential building and you have to access every single apartment, no one wants to like start running electricity or opening walls. It has to be really easy to deploy. You come in and come out under 10 minutes. That's what you're looking to do. So this technology, LoRaWAN, what it does is it is a very strong frequency. So the advantage is it can penetrate brick, mortar, you know.   concrete, steel, whatever, whatever inside a building. And you can use one of these gateways. Gateways are similar to what we would call in the Wi-Fi world as like a router. So you would install one of those every maybe three to six floors, I would say, as opposed to a traditional router where you put it in an apartment, you have one for the entire apartment. The downside to it is that you can stream a lot of data on it.   So it's great for the world of IoT and the world of sensors because you don't have to put on that. You just need to say, what is the temperature? I having a leak? Do I have this or do I have something else? So that is a very, very important advantage that this technology has over traditional systems, which rely on Wi-Fi. The other big thing it has is that it's extremely energy efficient. So each one of our sensors will last for about 10 years on battery life. Whereas traditional Wi-Fi systems, probably have to replace the battery once a year, once every two years, depending on the system.   As far as our offering, so we have different liquid sensing technology, so oil and water. We also have gas detection. And for example, in New York City, they passed a law which was now tabled again, but they passed a law called Local Law 157. Every, you know,   apartment or building in New York City that had gas, had to have gas detection. So we were able to help those buildings as well. And so buildings that already had our system had to now comply with a new law, easily just put it on the system, no problem. Temperature humidity, we spoke about. We have rodents. We have different types of sensing. For example, if you want to see the levels of different tanks. So for example, you have a big water storage tank or you want to know what the capacity is of trash or different. So we have devices that can sense distance.   different sensors for different types of mechanical equipment to see where they go, what the status is, are they operating, are they not, are they in movement? Steam traps, we can tell you if a stream trap open. So there's a lot of stuff there. And I think one of the unique parts about ProSentry is that both me and my business partner, John, really come from the world.   And so we meet with supers, we meet with property managers and they say, hey, you know, I really want to understand how I can better see this or how I can do that. And that's what we developed. And so we go out and we figure out what sensing to cloud booth exists for the world and we customize them for the buildings themselves.   Jason Hull (14:15) Got it. Is this system also tie into some of the other sort of catastrophes besides water, like fire, smoke? ⁓   Nadav Schnall (14:23) So   we have a smoke and vape detector, but it is not what you would call your traditional carbon-fiber monoxide type of sensor. And that is because, first of all, it's a very saturated market. There's a lot of companies out there that provide. We have the ability to interface into it. It was just a conscious choice not to get into that yet.   Jason Hull (14:38) Yeah.   Nadav Schnall (14:47) Just because you know, it's more of a niche market and that's more of a very wide market. There's also a lot of regular   Jason Hull (14:52) Figure out smoking and   vaping is another thing. Like, maybe four terms, stuff like this.   Nadav Schnall (14:55) Yeah.   So that we do have on the property, on the platform. that is a great sensing technology, especially for like rental buildings or buildings that have passed no smoking laws in the building. So it can do vaping, it could do marijuana, it could do cigarette smoke. And so we've had that. actually, one of the reasons we developed it, again, speaking to property managers and building owners,   This is a West Coast property owner. he said, you know, one of my main reasons for non renewing leases in my building is because people smoke and people don't want to renew. And so that was one of the reasons we went out. came out with this, with a sensing technology and it can, you know, it kind of tattles on the smokers, but it works with that kind of building. Right. So if you sign into a building, which is a non-smoking building, you should have that same with hotels, et cetera, et cetera.   Jason Hull (15:45) Cool. So I'm going to read a word from our sponsor and then I some more questions we'll get into. So this episode is sponsored by Vendoroo So many of you tell me that maintenance is probably the least enjoyable part of the property manager and definitely the most time consuming. But what if you could cut that workload by up to 85 %? That's exactly what Vendoroo has achieved. They've leveraged cutting edge AI technology to handle nearly all your maintenance tasks from initiating work orders and troubleshooting to coordinating with vendors and reporting.   This AI doesn't just automate, it becomes your ideal employee, learning your preferences and executing tasks flawlessly, never needing a day off and never quitting. This frees up you to focus on the critical tasks that really move the needle for you and your business, whether that's refining operations, expanding your portfolio, or even just taking a well-deserved break. So over half the room at last year's DoorGrow Live.   conference signed up with Vendoroo right then and there after hearing about it. A year later, they're not just satisfied. They're raving about how Vendoroo has transformed their business. Don't let maintenance drag you down. Step up your property management game with Vendoroo Visit vendero.ai. That's V-E-N-D-O-R-O-O.ai slash door grow today and make this the last maintenance hire you'll ever need. All right, cool. So back to...   Back to what you were talking about, Nadeav. I'm curious, this sounds like a no-brainer. Is this expensive to get set up? Can this be turned into a profit center for property managers in some way? How does this typically work for property managers?   Nadav Schnall (17:20) Yeah, sure.   So, excellent questions. As far as the cost goes, it is very competitive in the marketplace. Sensors start at about $70 a sensor, depending on what it is. There is a cost for the network, but again, it is not a significant cost. The costs kind of vary based on the size of the building, and obviously there's volume discounts. But, you know, I think it, you know, from a   Profit center, it's an interesting question, right? Because I don't know if you're actively going to make money from the building, from activating the system. However, you will get a return on your investment because again, you're able to, first of all, reduce repair costs. There's no question about that, right? we have...   Examples examples examples of buildings that have installed our system and have caught dozens of water leaks some of which may have turned into Small things or maybe you and an overflowing club, but you caught that and you mopped that up But others are like these slow leaks behind walls and all kinds of areas like that that you otherwise would have not noticed and before it became mold and stuff so hundred percent you save money on that from a repair across perspective and   Jason Hull (18:09) Yeah.   Nadav Schnall (18:24) on insurance front, is really one of our biggest areas that we're focused on is trying to help buildings reduce insurance costs. And so in that sense, it does turn into a profit center, maybe not the traditional profit center as a fee for it, but you do save on other repairs on insurance costs. So in that sense, yes, you do make money on that.   Jason Hull (18:42) So, Nadav, a question. So you've mentioned multifamily. There are a lot of people that listen to this podcast that also do single-family residential, or maybe they do individual condos, or they do short-term rentals or Airbnbs. Do you find that this makes sense for those scenarios as well?   Nadav Schnall (19:03) 100 % it does. We focus...   only on multi-dwelling, in other words, we're a B2B company in that sense, unless maybe there's a situation where there's someone who manages multiple individual condos, let's say, right? Or multiple Airbnbs and they want everything on kind of a dashboard and maybe that would make sense. There are solutions out there that focus on the single-family world, that are Wi-Fi based and they're meant for that. We are really more of a commercial grade.   solution, right? And that's kind of how we set ourselves up. And that is really the big differentiator with us is that we're really focused on whole building solutions. We have automatic border shutoff valves, for example, which I haven't even mentioned before. But for example, we have a commercial building.   where the building owners have no one at the building over the weekend and actually no one in the building after I think it's 7 or 8 p.m. till they come back at like 6 or 7 in the morning. So they proactively shut the water to the building when they leave and no one's there. So they don't even want to take the risk. Of course all of our sensors can connect to the automatic shutoff app and say hey if there is a leak we'll shut that off, we'll shut the water off. They just want to they just put it on a schedule and proactively shut it. So in that sense if you   have single family or Airbnb managers, cetera, et cetera, you can all control it even from the app. You don't even have to be at the property. And you can just shut the valve off and shut the property. So if you're going to go away and let's say you want to winterize the property and shut the water off for a prolonged amount of time because you're not going to be there going on vacation. So you can do that with the system quite easily.   Jason Hull (20:35) Interesting. for somebody that's like an Airbnb and they wanted to get this set up, and they wanted like maybe water, auto water shut off, some gas detection, you know, a couple of the most obvious important ones, what would it roughly cost for them to get that property outfit?   Nadav Schnall (20:53) I mean, if it's a, if let's say we're talking about a single apartment, maybe like a one or two bedroom, you're probably talking about a one time cost of anywhere between 300 to $500. If you're in, if you're in that kind of situation, if it's slightly bigger, it all depends on the number of sensors. But again, if it's about $70 a sensor, how many points of water do you have in your, in your apartment? And then that's how you do the math.   Jason Hull (21:18) Got it. So typically sensor per maybe bathroom or water.   Nadav Schnall (21:22) Yeah, you'd put   one to two per bathroom, right? Depending on how many, if you have a tub or a shower, we typically catch that with another sensor that would be placed nearby, maybe behind a toilet. Sensors are very sleek, non-invasive. They don't actually, many of them, this is actually a sensor. They don't even look that way. So it's good. They're discreet. They go behind toilets, under sinks and so on and so forth. And so it's very easy to deploy them as well.   Jason Hull (21:48) Got it. And these don't have cameras on them, right?   Nadav Schnall (21:51) No   cameras. And as I mentioned, because we use LoRaWAN and it is unable to communicate or transmit large packets of data, it is impossible for me to record someone because the data packets are so small. The amount of data that would need to be transmitted just to record a sentence would take days and days and days. So it is impossible for us to do that.   Jason Hull (22:04) Hmm.   Got it.   Got it. Okay, very cool. Well, what else should people know about this solution or whatever questions that people ask, maybe about ProSentry and then how can people get in touch with you?   Nadav Schnall (22:29) So first of all, think the most important thing is, you know, we were built by real estate professionals. And so we really understand the industry and we're happy to consult.   and speak to anyone who has any questions. There's no strings of ties. There's no cost for that. We're happy to give proposals. And every building is unique and every building has their unique set of challenges. And so I think it's important for your listeners to know that that's the world that we come from and we actually enjoy having conversations with real estate professionals. And so if anyone has any questions or wants to discuss, just feel free to reach out. Our website, which is www.prosentry.com.   prosentry.com. Contact us or request a proposal. Very easy to get in touch with us. Or also info at prosentry.com.   Jason Hull (23:14) Very cool. So one last question. If somebody goes to your website, they decide they want to get some of this stuff set up for the property, who actually comes out and gets all this stuff set up and installed? Do they have to get a contractor to do it? How does that work?   Nadav Schnall (23:27) No, so it is extremely, extremely simple. So we have designed the system so that it is easy to be deployed by the building itself. And while we can provide recommendations for installers, 100%, I think there's one, I wouldn't say 100, I think 99%, I think it's one property that actually hired someone to do that. All of our properties, and I'm talking about hundreds of buildings, have installed the system by themselves. It is extremely easy. The system comes pre-configured.   So the gateways are the only component that gets plugged in. Those are the routers, right? So you start by plugging those into the wall into regular outlet. They turn on in about a minute or so and start communicating. They automatically connect to cellular antennas. They automatically...   create this internal private network only to that building. So there's no configuration, nothing else to do. And then you take the devices, the sensors themselves, you download our app, you scan a QR code on the device and all you do is you have a drop down menu and you say, I am in apartment 22B, it's already pre-configured, we'll configure the apartment, everything will be there. And you'll say, I'm placing it by the kitchen sink. That's it. That's all you gotta do. It automatically connects, the sensors automatically connect. And so,   We do speak to some buildings and they're like, yeah, we don't want to take on. so I call it deployment because it's not even installation. It's not invasive. There's no drilling. There's nothing to do there. So we say, OK, we can give you a proposal for installation or connect you with someone who can do it for you. But then once they understand how they get a little bit of a demo and see how it's done, go, oh, this is it. It's very, very easy to install.   one of the features that I neglected to, to, to, to mention, I think is important is we offer, live operator calls to buildings. And so a lot of providers out there will send you like an app notification or maybe an email or a text message, right. say, Hey, but again, property managers, right. We realize that at two o'clock in the morning, no one's looking at their phone to see if you got a text message. So we use an underwriter, laboratory certified call center with live people, not some robo call.   Jason Hull (25:19) and   Nadav Schnall (25:33) and they will actually call you and say, Jason, you have a leak in apartment 22 B in the kitchen.   under the dishwasher, right? And if you happen not to be answering, we will call the next person online. We can have multiple people. And so we'll call the front desk. Front desk doesn't answer. Maybe the handyman, handyman doesn't answer. The resident manager, the property manager, the hotline, the board president, whoever you need. We can put that all under the platform. So that is an important feature and a differentiator, by the way, because there are not many companies that do that. But we do recognize that because time is of the essence when something like this happens, you need to make sure you can get in touch with   Jason Hull (26:01) Mm.   Nadav Schnall (26:09) someone before damage becomes something very small into something really big. ⁓   Jason Hull (26:13) Yeah,   well, it sounds like a no brainer. Sounds very cool. And yeah, I recommend everybody check it out at prosentry.com. cool. Well, Nadav, thanks for coming and hanging out with us here on the DoorGrow show. Yeah, I appreciate it. So for those of you that maybe felt stuck or stagnant in your property management business, you want to take it to the next level, reach out to us at doorgrow.com. We can help.   Nadav Schnall (26:27) Thanks for having me, Jason. This was fun.   Jason Hull (26:40) And for a free training on how to get unlimited leads for free for your property management business, text the word leads to 512-648-4608. That's the word leads to 512-648-4608. Also be sure to join our free Facebook community just for property management business owners at doorgrowclub.com. And if you would like to get the best ideas in property management, you can join our newsletter.   at doorgrow.com slash subscribe. And if you found this episode even a little bit helpful, don't forget to subscribe and leave us a review on whatever platform you saw this on. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.  

Instacart is under fire for changing prices on their groceries at random as part of an "ongoing experiment." The experiment is, of course, whether or not you will pay the maximum price for food. Is Dynamic Pricing the new normal, or will consumers revolt? And are chains like Walmart next? Then we also talk about a McDonalds that it completely automated with robots!Watch this podcast episode on YouTube and all major podcast hosts including Spotify.CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles.D/REZZED News covers Pixels, Pop Culture, and the Paranormal! We're an independent, opinionated entertainment news blog covering Video Games, Tech, Comics, Movies, Anime, High Strangeness, and more. As part of Clownfish TV, we strive to be balanced, based, and apolitical. Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/On YouTube - https://www.youtube.com/c/ClownfishTVOn Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvgOn Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629

Depending on who you talk to, AI is the key to remaking industries and jobs – or a bubble ripe to pop. And if you’re an investor, you’re already exposed. So what’s the best strategy for investing in AI now? On today’s Big Take podcast, host Sarah Holder and Bloomberg personal finance reporter Suzanne Woolley talk to experts – ARK Invest’s Cathie Wood, Fidelity International’s Taosha Wang, Allspring Global Investments’ Michael Smith and Janus Henderson Investors’ Denny Fish – about coming AI investment waves and potential warning signs. See omnystudio.com/listener for privacy information.

How are you supposed to respond when an employee comes to you with a concern? In this episode, Mike and Ethan explain that It all comes down to how you answer these two questions: Does this issue impact the employee's ability to do their job? Does this issue impact the organization?  Depending on how you answer these, managers have five options for how to address the concern. Tune in to learn more! Note: in this episode, we mentioned this blog post. Text the word "LEADING" to 66866 to be added to Nash Consulting's monthly newsletter. Just practical management skills and tips. And just once a month. Pinky swear.

This is the podcast for alpaca people!Welcome to all of you, wherever you are listening, but especially my listeners from Brazil. Thank you. I appreciate it.Alpacas are curious and usually offer us a welcome as we approach. Depending on what we do next, the welcome remains, or our attention becomes unwelcome. Even too much staring at them and paying too much attention can cause them to retreat or at least change their body language. It is good to observe them and get to know each one individually.At this time in the UK it is good to check body condition scores - see the video below for detailshttps://youtu.be/xZSlhQaqGEk?si=TOJhjuEEqexcGDm3You might also want to check feet and eyes too. If you can, spend some time with your alpacas, someone else's alpacas, or come spend time with my alpacas and me. You are welcome.Thanks for listening, and I hope you enjoyed it.You can contact me by email - steve@alpacatribe.com - or leave me a voicemail from your browser.Alpaca Tribe is hosted and produced by Steve Heatherington of Waterside Voices. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

One of the most shocking pieces of information I've seen in the last year is how high the average age of all homebuyers has become. Depending on the source, I've seen between 59 and 62 years old. This is the *average* age. We've never seen a housing market quite like this, so I turned to Charlie Bilello, the Chief Market Strategist for the firm Creative Planning to help me understand it better. While I talk at length about the regulatory, design and policy aspects of housing on the podcast, Charlie is an expert in the financial side.We trace a bit of the history of how we changed the idea of housing from shelter to a financial product, and then hit on how those policy changes have created the mess we are in today. Charlie has a wealth of ideas that are admittedly unpopular, but could go to great lengths to fix the housing market over the short and long term.Along the way, we talk about fifty year mortgages, the impact of this issue on everyone under forty years old, the concentration of wealth with Baby Boomers, and why it's so hard to make changes.If you want more from Charlie, check out his excellent YouTube channel.Find more content on The Messy City on Kevin's Substack page.Music notes: all songs by low standards, ca. 2010. Videos here. If you'd like a CD for low standards, message me and you can have one for only $5.Intro: “Why Be Friends”Outro: “Fairweather Friend” Get full access to The Messy City at kevinklinkenberg.substack.com/subscribe

In this episode, Paul O'Connor sits down with Matthew Webb, co-founder of Scarcity Partners, to unpack private equity's next frontier: GP staking. Discover how shifting from funds to backing managers is rewriting the growth game. Tune in to learn: Why backing businesses and leaders, not just individual funds, gives you exposure across all their investments, bypasses the J curve, and can unlock greater growth potential Why the right strategic partnerships drive scale, and how to seize this opportunity in the Australian market Disciplined due diligence: How Scarcity Partners' multi‑stage process and deep relationship building surfaces the best managers How private markets could make up 10% of Australian wealth portfolios and why GP staking can help position you for early advantage*   Want to deepen your understanding of private market due diligence? Discover insights from 12 industry thought leaders and their five-stage approach to refining the process. Download now.      Disclaimer: Information provided is general information and not indicative of future results. *Depending on strategy and market conditions.

Now THIS is going to be a podcast you DO NOT want to miss!    It's time for another episode of our HUGELY popular SIX ROUNDS VIP Guest podcast!   In this episode, award winning body transformation expert with over 4,500 life changing success stories under his belt, the best selling author and founder of RNT Fitness Akash Vaghela joins Daniel Hill to go behind the scenes with six surprise topics which neither have any idea of!    In this Six Rounds all health and fitness special, at 10 minutes apiece, Dan and Akash covered the below HIGHLY PERSONAL questions and in many cases VERY PRIVATE topics which are now yours to enjoy!    Round One: Vices Round Two: The Journey of How Health Develops Round Three: Age Round Four: High Performance Habits Round Five: Anxiety Round Six: Top Tips   Depending how well you know Dan or Akash, these may or may not seem like the six round topics you would expect to see from two award winning high performance Entrepreneurs at the top of their game but that is the beauty of dropping the ego, opening up and going six rounds on The Blueprint Podcast.    Success and Failure are both very Predictable    LET THE GAMES BEGIN!!!!!   We hope you enjoy....! If improving your health is a priority for 2026, don't leave your results to chance — partner with RNT Fitness. Find out more about Akash's exclusive 2026 offer here:     Want to learn more?  

Winter Boater Safety Inspection Event Dec. 27th in AstoriaIf you have a trailerable recreational boat registered in Oregon, consider bringing your boat down to the Clatsop County Sheriff's Office Marine Patrol Winter Boater Safety Inspection Station event later this month. If you have the right gear, you can get a 2026 Oregon Boater Safety Inspection sticker.It's happening Saturday, December 27 from 10 to 2, right across from Englund Marine at the Port of AstoriaYou'll need an up to date registration and some safety gear to qualify. It's not only the law, it's good safety stewardship for your vessel, the people you take on board, and any rescue personnel who might have to assist you in an emergency.Per the sheriff's office - To get your sticker, please bring the following six items:1. Current proof of registration for your boat2. Current registration year sticker posted next to your OR numbers3. Boater safety education course card or equivalent4. Non-expired, good-condition fire extinguisher5. Proper life jackets6. A throwable cushion or ring Depending on your vessel, you may also need a carburetor spark arrestor and a bilge fume blower.If you have questions, give the Clatsop County Sheriff's Marine Patrol office a call at 971-704-4465.

Monday, 8 December 2025   And when the men of that place recognized Him, they sent out into all that surrounding region, brought to Him all who were sick, Matthew 14:35  “And, having known Him, the men of that place, they sent to all that surrounding, and they brought to Him all those having sickly” (CG).   In the previous verse, Matthew noted that when Jesus and the disciples had crossed over the sea, they came to the land of Gennesaret. He next records, “And, having known Him, the men of that place.”   Jesus would have been known in the area because of previous visits. But more, John 6 notes –   “On the following day, when the people who were standing on the other side of the sea saw that there was no other boat there, except that one which His disciples had entered, and that Jesus had not entered the boat with His disciples, but His disciples had gone away alone— 23 however, other boats came from Tiberias, near the place where they ate bread after the Lord had given thanks— 24 when the people therefore saw that Jesus was not there, nor His disciples, they also got into boats and came to Capernaum, seeking Jesus. 25 And when they found Him on the other side of the sea, they said to Him, ‘Rabbi, when did You come here?'” John 6:22-25   Jesus would have been known by those He first encountered, but more who had been on the other side of the Sea of Galilee with Him the day before, which had included some of those who had already returned, would have come to meet up with Him again.   In their excitement at having Jesus there, it next says, “they sent to all that surrounding.”   The word went out all around the area of Gennesaret, telling the residents that Jesus was again in the area, probably telling about what had happened the day before with the feeding of the five thousand, along with the healings that were performed, and so Matthew notes of these residents, “and they brought to Him all those having sickly.”   In the small nation of Israel, the ministry of Jesus was filled with a constant stream of needs. It was a continuous rush of people desiring the healing touch of the Master.   Life application: Considering the small size of Israel at the time of Jesus' ministry, both in land size and population, imagine the amount of physical suffering that is experienced around the world at any given time.   And when things are physically wrong with us, it is hard to focus on other things. Depending on the type of sickness and the level of pain, things can be so debilitating that there is nothing else we can think about. We may even take drugs to ease the pain, but they deaden our senses to the world around us.   God is not unaware of, nor uncaring about, these things. However, we are the ones who turned away from Him. For most of the world, we still do not regard Him as He expects, meaning through the offering of His Son.   And yet, because of the physical pains, wars, crime, and other suffering we see around us, we blame God and say we want nothing to do with Him. The fickle nature of this thinking is hard to imagine once we understand who God is and what He has done for us in giving Jesus to bring us back to Himself.   But even believers, at times, show a disdain for what God has done, blaming Him for our troubles and trials, as if He owes us. Jesus and the apostles' words are clear, however. There will be suffering, pain, loss, wars, and natural disasters until the time when God renews all things.   We cannot expect to be isolated from such calamities. This is why it is important to read the Bible and understand what it tells us. When we know that this world will continue to be out of whack and that we can expect to be included in the things that happen, we can then focus on what lies ahead.   Even with the troubles of this life, we have a hope that transcends it. Let us remember this and hold fast to our confession of faith.   Lord God, despite the trials and woes of this life, we thank You for the promises that are sure to come. We have the certain hope of an eternity of joy and blessing far above anything we can imagine at this time. Thank You that we have this hope. If this life were all there was, it would be a futile, vain existence indeed. Thank You for Jesus and all that comes through knowing Him! Amen.

Depending on who you talk to, the 1981-82 Vancouver Canucks sported either the best, or perhaps the worst, jerseys of all time!  The classic flying V was certainly something and was donned by "King" Richard Brodeur between the pipes and a balanced international attack lead by the likes of Gradin, Fraser, Boldirev, Hlinka, Rota, Snepsts, and newly appointed captain Stan Smyl, plus legendary enforcer Tiger Williams, this team - lead by interim coach Roger "Captain Video" Neilsen went on a post-season heater that carried them to Lord Stanley's precipice, before succumbing the dynasty Islanders in four straight. In period two, the hot stove heats up as the Quinn Hughes trade talk just won't stop - will he head to the Garden State to join his brothers, or will Stevie Y swoop in to bring him back to Michigan!  Plus we get the buzz on Stamkos, Sherwood and wonder if the Oilers will finally go get a goalie!In period 3, we're back to rippin' packs as we wind down our second team selections next week!

Depending on storm track, temperature etc....there could be a lot more shoveling taking place this week. Details from WCCO TV Meteorologist Chris Shaffer on the WCCO Morning News.

Depending on storm track, temperature etc....there could be a lot more shoveling taking place this week. Details from WCCO TV Meteorologist Chris Shaffer on the WCCO Morning News.

This week on Open Sources Guelph things are not going according to plan. From Queen's Park to Parliament Hill, our provincial and federal governments are missing the goal posts and are facing some rather harsh scrutiny. And speaking of scrutiny, we will talk to one of our city councillors about making the tough decisions that you probably didn't like about next year's city budget. This Thursday, December 4, at 5 pm, Scotty Hertz and Adam A. Donaldson will discuss: Pipeline Dreams. Last week (after deadline we might add), Prime Minister Mark Carney and Alberta Premier Danielle Smith signed a deal that, theoretically, will see a pipeline built from the tar sands to the Pacific coast. So good news, right? Depending on your point of view. B.C. Premier David Eby registered his outrage about being cut out, First Nations want the deal torn up, and Smith, for some reason, was booed by her own party members. Is the pipeline deal dead before the ink is dry? The King of Wasteful Spending. The Auditor General of Ontario released her annual report this week and... yikes! Focusing on healthcare, the report says - among other things - that OHIP is letting physicians overbill in the extreme, that the effort to expand the number of family doctors is desperately falling short, that there's no discernible plan for the expansion of med schools, and that a billion dollars in PPE's been written off after being allowed to expire. So what now? Dual of the Caton. Guelph city council approved the 2026 budget last week, which is technically the mayor's budget but they still get a say. There were two stories out of that budget, one was the nearly eight per cent likely increase for the year, and the second was the decision to not plow bike lanes this winter. Ward 1 City Councillor Erin Caton will join us now that they are on the other side to talk about making the tough calls and whether this is a budget they can run on. Open Sources is live on CFRU 93.3 fm and cfru.ca at 5 pm on Thursday.

The Traditional first week of November rut was foreign to me until I actually hunted the Midwest. As a resident Mississippian, that hallowed week looks a lot like the month of October. Unless we get a cold front, temps might even reach the mid-80s. For me and my southern counterparts, New Year's Day typically aligns with peak rut activity. Of course, the South is a weird place, and that includes deer hunting. Depending on where you're at, you...

First off, we're plugging.The second No Tags book is here – and it looks great. ‘Conversations on underground music culture, Volume 2' compiles the best interviews and conversations we've had on the second year of No Tags, plus five exclusive pieces with Emma Garland, Shaad D'Souza, Mattie Colquhoun, Nono Gigsta and Yu Su. You can order it here, and it will ship from the 10th December.Speaking of plugging, No Tags live at the ICA on 11th December is almost sold out! There are around 25 tickets left. As well as live conversations with Djrum and Anjali Prashar-Savoie and a DJ set from Finn, we'll have copies of the book on sale – plus some predictably stupid stickers. Keep honking!From plugging to yapping, there's a pod this week. We compile some of our listeners' best war stories from Bloc 2012 (who'd have thought so many future Taganistas were in attendance?), before getting into some big questions: is it too far for artists to market themselves via Black Friday sales? And has graffiti run its course?We also dig into the strange story of ‘I Run', the dance mega-hit of the moment that has been accused of using AI to plagiarise Jorja Smith. Depending on what happens now, this could represent a line-in-the-sand moment for AI and copyright, so we get into the background of the track, where the case currently stands and what might happen from here.Also: what are your top five dancefloor bangers of the 21st century? Chal submitted hers to this rundown for The Quietus, but we'd like to know what our listeners would pick. Tell us in the comments! Get full access to No Tags at notagspodcast.substack.com/subscribe

Today, John and Nick dive into the Big Beautiful Bill and what its changes mean for retirees and pre-retirees as the year winds down. They break down updates to tax brackets, standard and senior deductions, SALT caps, and Roth conversion strategies, while sharing tips on avoiding common pitfalls. Plus, they touch on credits and deductions like charitable giving, auto loans, and solar panels to help listeners make the most of these changes.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Speaker 1: This week on Retirement Planning Redefined, still a lot of questions out there about the Big Beautiful Bill and what happened earlier this year and some of those changes. So, we thought we would talk about that and touch on that as the year is winding down here on the podcast. So, stick around. Let's get into it. Hey, everybody. Welcome into Retirement Planning Redefined with John and Nick from PFG Private Wealth. Find them online at pfgprivatewealth.com.   Guys, I know it's been around for a couple of months now, half a year or whatever, but still a lot of questions and things going on with the Big Beautiful Bill changes, especially as it affects retirees and pre-retirees. So, we thought we would dive back in and have a conversation on some of this and just maybe touch on some of the things you guys are still hearing a few months later and see if we can break this down a little bit for folks and help them out. John, how are you doing this week?   John: Hey, I'm doing all right. Just getting ready for Thanksgiving here and just looking for some downtime right now.   Speaker 1: Yeah, it's right here upon us. Nick, you're double whammy. You got Thanksgiving and then you got a wedding right after that. So, congratulations and happy holidays.   Nick: Thanks. Yeah, it's going to be a busy end of the year.   Speaker 1: Yeah, for sure. Well, speaking of, let's get into our topic here because there's lot of stuff that's happening and changes and whatnot. So, let's just dive into some of the things and break some things down. The big piece obviously was that the tax brackets that we were under the TCJA since 2017 got extended. All year, we were wondering if that was going to happen as the year was winding down. This stuff was going to wrap up at the end of this year, but they extended it and they made it permanent. So, talk to me about that, whoever wants to take this. That's interesting language and confusion for some people, but what's your thoughts on the tax brackets being extended?   John: Yeah, so the tax brackets from 2017 now remain in place where they were set to expire. So, they're as permanent as I guess you could be when it comes to tax brackets-   Speaker 1: To Washington.   John: ... to Congress. Yeah, exactly. So, obviously, Congress can make some changes at some point, but for right now, this is where we are. For retirees, important to take a look at historically where tax brackets have been and if you really pay attention where in some pretty low tax brackets if you look throughout time. So, now could be advantageous to some people to really develop some strategies to take advantage of this low tax bracket period for themselves because permanent doesn't mean too permanent as we just discussed. Depending on what happens, the next administration, things could not become permanent.   Speaker 1: So I mean, one of the things Roth conversions has been really on the radar for many people for the last number of years because to your point of the historical tax lows, so now you do have some time to Roth over time for at least a couple more years anyway, until what, '28 or '29 potentially.   John: Yeah, so Roth conversions is definitely something we implement for clients, and while this is going to be in place for the next few years. Maybe we get a little bit more aggressive and I think we're going to touch on it a little bit more in the podcast. We'll talk about some of the pitfalls to avoid with that because there are some new deductions that you want to remain below.   Speaker 1: Yeah, yeah, for sure. Well, Nick, let's have you just jump in and tackle some of that. So, talk to me about some of the deductions, the standard stuff, some of these other pieces that they locked into place and some things we might want to know and think about.   Nick: So for people that aren't familiar with the jargon when it comes to the tax or they don't prepare themselves, essentially people have two options. They can either use the standard deduction, which is what the majority of W-2 earners do especially or they can itemize. So, the reason that people would itemize historically is they would have enough expenses maybe through a business, maybe through interest from a mortgage or kids or different things that would allow them to itemize and there'd be a benefit to them from a tax perspective.   But when this was originally put into place and the standard deduction was increased, it really shifted it to people being able to just, for the most part, use the standard deduction, which previously about $29,500 for joint, $14,600 for single, and the updated number is going to be $31,500 for joint and then $15,750 for single. So, it's bumped up a little bit. Years ago, it was lower, and so there would be a lot of people that would get caught between the standard and the itemized, but it is a benefit for quite a bit of people.   Speaker 1: Yeah. I mean, there's some decent numbers here we're talking about. When you take the standard deductions, it's going to be hard to get there, but you could really make a big dent. We'll talk about some of the add-on deductions as well here in a second. Does the SALT cap change a lot of things for you guys in Florida? I'm not sure versus other states like New York or California, New Jersey, and I guess maybe to clarify, John, what is the SALT cap and can you break that down a little bit?   John: So I'll punt this to Nick. He just actually did this with a client. So, he can give a personal story, which is probably better than me.   Nick: Yeah. So, the SALT cap is really state and local tax. It is or historically has been much more relevant in states that have higher property tax and/or state income tax. So, a lot of the northeast states, really just a lot of states in general. Here in Florida, we don't necessarily run into this a ton, however, we do have quite a few clients that do the snowbird thing.   Speaker 1: Yeah, sure.   Nick: So they have to incorporate taxes in other states and that thing. So, the reality is that it had previously been a benefit for people that were paying a large state income and/or property taxes. They could use it to offset the tax that they paid against their federal income. I guess when the legislation was changed, I think it was like 2017, 2018, they had reduced that SALT cap to $10,000. So, that really had an impact from the perspective of especially high income earners in states that had those different taxes that were applicable. It did cause a decently effective increase in taxes for them.   So, with the good old lobbying that's done, they went ahead and increased that from the $10,000 that's been in place for the last five, six years to $40,000 cap for incomes below $500,000. So, although we don't see it here, we have recently had some clients moving into homes that do have pretty significant property taxes. Although they're not paying state income tax, the level of the property taxes where they've gotten with the run-up in real estate around this area, it has become a little bit more relevant than it was previously.   Speaker 1: And so that could make a difference. So, again, you want to make sure that of all these changes that are potentially there, you're talking with your financial professional and your CPAs and working together on making sure that you're being as effective as possible. So, John, you punted that one back over to Nick. I'll give you this one, the senior deduction. There was a lot of talk, obviously, a lot of campaigning on just getting rid of taxes on social security. They did their bartering and their deals and they came up with this senior citizen deduction. I mean, it's not bad for a number of years. It's like you're not paying social security taxes, but it's a little confusing for folks. So, can you break down some of the data on that?   John: Yeah, so it was initially discussed as, "Hey, we're going to eliminate social security tax." This has come up a little bit with some clients asking, "Hey, did they get rid of it?" And the answer is, your social security still is taxed, but if you're above the age of 65, you do get what they call a senior citizen deduction. That's $6,000 per person, $12,000 married filing jointly, and there are some income limits to it. The single is $75,000 and the joint is $150,000. So, I would say over the last few months, we have been doing quite a bit of planning to make sure people stay below these thresholds to maximize the deduction and when we're doing our projections for this year and upcoming years, for some people, it's a big difference.   It's a nice little benefit for these retirees who unfortunately over the last few years are really impacted with inflation. I mean, the cost of everything is up. I know CPI recently, I think last year was like 2 to 3% or something, which doesn't feel like that, but if you're on a fixed income, this is a pretty big deal. So, it's nice to see some of these retirees get some relief, but especially with this one more than others, I think if you can stay below those income thresholds, now's the time to do it because as of now, they're expiring in 2028. So, you really only have about two or three years to really take advantage of this.   Speaker 1: Be effective. Yeah. I mean to your point, Nick earlier was talking about the $31,500 for the standard, and then you slap another $12,000 for married, right? Then you slap another $12,000 on here. I mean, that's pretty hefty, right? So you could get really efficient with this. It's just a matter of making sure that you're, again, jumping in and taking advantage of it while you can. Any thoughts on that, Nick?   Nick: Yeah, no, just like anything else, what you can see a little bit with some of these changes are that there's certain gaps that it's stepped in to help with. The reality is a lot of times it's going to be people that are middle, upper middle class, but from a tax perspective, so if they can keep their income under the 150 for a joint household, that tends to be a middle, upper middle class family.   Speaker 1: Well, it's funny you say that because there was so much argument about, "Oh, they're going to do stuff for just the wealthy," but a lot of the changes that were put in on the Big Beautiful Bill really actually do help lower and middle class like these. So, I mean, I think there's some good benefits to the bill for everybody. There's some things that obviously are a little weird too.   Nick: Oh, for sure.   Speaker 1: You got to be effective with it.   Nick: Yeah, yeah, for sure. The devil's always in the details. Absolutely. That's the case with any legislation that is this large and this comprehensive. But those are the standard deduction and the senior citizen deduction are definitely two that are going to have a pretty substantial impact on a large group of people.   Speaker 1: John, I'm going to go back to you for a minute because we were talking about the Roth earlier. We tossed that in there at the beginning piece there. Again, clearly, this is a good time to think about the fact that it is still alive for a little bit. So, again, Rothing over time is back on that table as we talked about, and so that may be a really effective part of your strategy. You do not want to ignore it because it still could be a limited window.   John: Correct, yeah. So, definitely that's one thing we're looking at currently is what's the right amount of Roth conversions to be doing at this time. So, it is a great time to-   Speaker 1: Any traps in there? Any pitfalls we should be aware of?   John: Yeah, so I was going to say there's definitely a good time to be aggressive with it, but with this new senior citizen deduction, if you're doing some conversions, you want to make sure you stay below those thresholds to take advantage of that additional $6,000 per person. So, now is a great time to be aggressive with this, but at the same time, you want to be cautious because there are some things you could be missing out on if you get too aggressive. So, like we've always said, look at the plan, talk to your CPA, talk to your financial advisor. One of the most important things going into retirement is avoid unnecessary taxes. So, it's just an eroding factor on your money. So, if you can avoid it, that just helps you overall.   Speaker 1: Well, people tend to stay confused if we don't do this about the whole brackets and the steps anyway, right? Because I think a lot of people think, "Oh, I'm in the 22% bracket. That stayed. Yay, cool. I'm still there. I don't have to go up," but every dollar is taxed at that and that's not how it works. That's what I think confuses people. So, when you're talking about maximizing your Roth or something like that, you want to maximize those steps in that bucket, if you will. So, that you just don't pop into the next bracket if you can. Is that accurate?   John: Correct, yes. You definitely want stay within the bracket, not really jump up, and sometimes it's okay to jump up as long as you understand how much-   Speaker 1: Yeah, not every dollar is going to be at 24 if you popped up to 24.   John: Correct, yeah. I mean, we have some clients that are doing some Roth conversions from an inheritance standpoint, so they look at it and say, "Well, I'll pay 22 so my kid doesn't have to pay 30, whatever, whatever it is."   Speaker 1: Right, yeah.   John: Depending on your situation, you really want to pay attention to what bracket you'll be, what your effective rate is, and just don't do it willy-nilly. You want a strategy.   Speaker 1: Yeah, if you have $1 million you want to convert from a traditional 401 over to a Roth, you want to make sure that you're not going bracket busting on that, right? Don't do it all at one time. Again, Roth over time, right? That's the conversation piece there. So, what else is of note in the bills, guys? Nick, what's some other things that jumped out at you?   Nick: Yeah, I think it's definitely less applicable for many people, but they did bring back bonus depreciation for... It's typically used by small businesses or landlords, oftentimes applies to qualified business expense or rental property purchase. For example, it can have to do with vehicles, large equipment where a company can accelerate the depreciation into the year, instead of spreading it out over multiple times, which can help offset if they're having a really good year from an income perspective or just bring down the taxes in general.   From the standpoint of a couple of other things, I'll have John speak to the EV credit because he took advantage of pretty much all the EV stuff that you could. But one of the deductions, additional deductions that they had put in place is for auto loan interest deduction. So, it's an above the line. It applies to cars purchased in 2025 or later, and the car has to have final assembly in the US.   Speaker 1: That's a funny one right there. It's like how much of that this qualifies, right? So what's final assembly mean? Is there a percentage break?   Nick: There's definitely cheat sheets out there. Ask your local AI machine.   Speaker 1: Or dealership I suppose.   Nick: Yeah, yeah, the dealers will definitely know, but once again, there's an income threshold on that. So, income above $100,000 won't qualify. From a charitable giving standpoint, there is an above the line deduction for people that do not itemize. So, $1,000 per person or $2,000 for married filed and jointly.   Speaker 1: It's not a lot, but I mean it's still something, especially in the season of giving, right? It's above the line. So, give some money.   Nick: Yeah, exactly.   John: Better than nothing.   Speaker 1: Yeah, exactly.   Nick: For sure.   Speaker 1: Yeah, for sure. Well, what about that EV thing, John?   John: Yeah, so the vehicle EV credit went away at the end of September, so that one can no longer be used. So, that was if you bought new, there was a tax credit you could obtain and then if you bought used, there was something you could actually get as well depending on the value of the car. If you were actually leasing, basically, the dealership got the credit, which would hopefully reduce your payment depending on how good you are at negotiating.   Speaker 1: Got you.   John: But the big one that we've been talking to clients about, and I did myself, which Nick was referencing, was solar panels. So, after 12/31/2025, you will not get that 30% reduction for solar panel installation on your house.   Speaker 1: Yeah, it might not be enough time now, huh? I wonder if you could get that done.   John: It depends how quick your contractor is. I'll tell you, by the time I agreed to mine, I thought it'd be about a month out and I think within two to three weeks, they got me on the calendar and put it in. So, I had mine in much faster than anticipated, which I was happy about, but it's a 30% tax credit. If you put some solar panels on the roof, it just has to be installed by 12/31. It doesn't have to pass inspection or anything as far as I know. It needs to be installed by that date. But I'll tell you, for those that are comparing this, I just got my first bill from the energy company and there still is a fee to be on their grid.   In Florida here, apparently with these hurricanes, there's additional fees that we're getting charged to build the grid back up and to pay for the emergency services. A funny conversation with the person, I said, "Well, when it's built back up, does this go away or whenever we're done paying for the cost of the emergency services?" Yeah, that's a good question.   Speaker 1: That's a question.   John: Well, let's take a look at that.   Speaker 1: On ours here in North Carolina, we have storm repair tax or whatever. It's been on there for a number of years now, and it's like, but when the storms are repaired, what then? Ongoing storm.   John: I'm like, "Okay, so this is just an ongoing bill-"   Speaker 1: Pretty much.   John: ... regardless of my usage that I'm doing here.   Speaker 1: Another way for them to just hit us with something and go, "Oh, but it's necessary." Yeah. Okay. All right. Well, final one here I thought was interesting was the no tax on tips one, right? Might not affect necessarily your client base, but maybe their kids or grandkids, especially a lot of service industry in Florida. So, no tax on tips up to 25 grand, I think, and that's temporary as well, but that could be interesting. Any final thoughts as we go to wrap this up guys? Anything, Nick, on something we should do now or be effective as the year's winding down?   Nick: I mean, I wouldn't say that there's a lot to do before the end of the year when it relates to this. I think this is a good example though, and one of the conversations that we have with people is that just because a certain strategy is best now doesn't mean it's going to be best in 5 years or 10 years or 15 years. So, when you see a bill like this and with the different changes, something's becoming permanent, something's changing, new rules that are built into sunset, it just shows you how important it's to plan, to build in flexibility, have options both now or later on in retirement, have different buckets of money and really just have a strategy moving forward so that you can benefit no matter what's happening.   Speaker 1: All right. John, final thoughts from you?   John: Not too much. I think we hit mostly everything. I think just being aware of where we are. Historically, tax brackets to me is something to take a look at because I think part of this new bill added, I think, 2.4 trillion of new debt over the next 10 years and I think 4 trillion increase in debt ceiling. So, there's a lot of-   Speaker 1: Future tax liability.   John: There's a lot of trillions getting created here. So, just be wary of what's down the road. So, it's good to just take a look at your overall strategy.   Speaker 1: Yeah, good point. Timelines, definitely got still a couple of years left, but just be effective and get on it as soon as possible because we all know time just zings it right by. So, if you've got some questions, need some help, reach out to the team at pfgprivatewealth.com That's pfgprivatewealth.com and have a conversation with John and Nick and the whole team today and just get started. Don't forget to subscribe to Retirement Planning Redefined on Apple or Spotify or whatever podcasting app you enjoy.   You can find all that information again at the website as well or check the show links. There's some just stuff in the descriptions there. So, pfgprivatewealth.com. Guys, thanks for hanging out. Appreciate it. Hope everybody has a great holiday season and happy Thanksgiving everyone. We'll see you next time here on the podcast.  

On today's Disney Podcast, we are talking through all of the Walt Disney World resorts and the reasons why we would stay at or avoid each of them. Depending on what your budget allows and the priorities for your family during your vacation, there are reasons to book each of these resorts…and reasons to stay away from them. These are all of our reasons for staying and avoiding each resort, whether they are Value, Moderate, Deluxe, or Good Neighbor. Enjoy!  This episode is sponsored by Fantastical Vacations. For free concierge vacation planning, specializing in Disney and Universal Vacations, visit https://www.fantasticalvacations.com We would love you to join us on Patreon! Thanks so much for supporting the show. We also have Addicted to the Mouse Merchandise! You can check it out at https://addictedtothemerch.com Thanks so much for listening! If you like what you hear, please subscribe and catch us every Sunday for the podcast. Join us every Sunday and Wednesday evening as we take you to Walt Disney World, Disneyland, on Disney Cruise Line, Universal Studios and everywhere in between! We can be found at www.addictedtothemouse.com and be reached at danandleslie@addictedtothemouse.com Please also connect with us here: Patreon – https://www.patreon.com/addictedtothemouse Youtube – https://www.youtube.com/@AddictedtotheMouse Facebook – https://www.facebook.com/AddictedtotheMouse/ Instagram – https://instagram.com/addictedtothemouse/ The post Pros and Cons for Staying at Every Disney World Resort appeared first on Addicted to the Mouse.

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  

Flipping houses isn't the real challenge—building a business that creates long-term wealth is.Brandon Rickman is a veteran real estate investor, licensed general contractor, and co-founder of Simply Sold Atlanta. With 20+ years in the business and over 500 flips completed, he's mastered the art of finding deals, funding projects, and scaling a profitable investment operation.In this episode, you'll discover the real skills required to build a successful flipping business—from finding quality deals to raising capital and building a trustworthy team. Brandon breaks down the realities of scaling from your first flip to running a high-volume operation and why long-term assets like self-storage are the path to true legacy building. You'll walk away with practical, repeatable steps to grow sustainably, even in a competitive market.Key Takeaways0:03 — Why finding money is easier today Brandon explains why raising capital has changed—and why funding is no longer the biggest obstacle for new investors.0:08 — Why finding good properties is more challenging Depending on your market, inventory and competition shape how difficult it is to uncover profitable deals.03:30 — Brandon's background: 500+ flips & a lifetime in constructionFrom growing up learning how to build houses by hand to teaching others how to find, fund, and flip.06:05 — The “Find” phase: where deals really come fromBrandon breaks down what new investors should focus on first, starting with building relationships with agents.07:19 — Their first flip: a DIY story with lessons learnedHow he and his wife bought their first deal from a neighbor, renovated it nights and weekends, and sold it for a profit.08:27 — Should you invest locally or expand?Why Brandon recommends flipping in your own market—especially when school districts can drastically change property values.09:07 — The first step to consistent deal flowCall five agents a day for four weeks—Brandon's simple but powerful method to get deals coming to you.10:05 — Real estate investing is WORKBrandon and Corwyn debunk the myth that flipping is easy money—entrepreneurship takes commitment.10:53 — Doing one flip a year vs. building a real businessWhy Brandon encourages investors to start small but build toward independence, freedom, and long-term stability.11:46 — Moving from flipping to true wealth-buildingThe conversation transitions into funding strategies and how investors can secure capital for their deals.“It's not about the flip—it's about the foundation you're laying for the generation coming after you.”Connect with Brandon:Website: simplysoldatlanta.comLinkedin: https://www.linkedin.com/in/brandon-rickman-9885a22/Email: brandon@simplysoldatlanta.comConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Country Boy HomesDo you remember your grandma's front porch? You know that spot where stories were told, kisses were stolen, and sweet tea was always being sipped. Now imagine giving your family a place to make those same memories, but in a brand new, energy-efficient, and home that was built just for you. At Country Boy Homes, we help folks just like you find that forever feeling.Whether it's your first home, your next home, or your, we're done with rent forever, like,  seriously home, we specialize in affordable, durable, manufactured, and modular homes, the kind that make room for muddy boots, big dreams, and second helpings. Come see what coming home really feels like. Call 843-574-8979 today.Country Boy Homes, Built to Last, Priced for You.

Last week, I talked about building credibility by looking outside your organization for validation. External benchmarking, expert opinions, and industry recognition all help shift internal perception. But validation only works if people understand the actual value you're delivering. That brings us to today's topic: measuring and communicating UX success in ways that resonate with stakeholders.Because, unless you can demonstrate value clearly, the rest of the organization won't recognize it.Fortunately, decision makers across your company have an inherent need to improve the metrics they see. By establishing the right metrics, you'll influence their behavior. It's a weird phenomenon, but if you give people something to measure, they will want to improve that thing.Two ways to quantify successThere are basically two ways to demonstrate the benefit of what you're doing.Qualitative data can be incredibly powerful. A compelling story generates empathy among stakeholders in ways that raw numbers sometimes can't. Testimonials, videos, and user feedback help people understand the human impact of your work.But quantitative data is even more powerful because people believe in hard numbers in a way they don't believe anything else. Ideally, this data should tie to some kind of financial return for the organization.There is something about hard data and having hard numbers you can track that really resonates with people and makes them want to start moving that needle.Deciding on your metricsThe first step is to have metrics based around organizational goals. Right back at the beginning of this course, I talked about getting that company strategy and identifying the organizational goals. Now we need to translate those into something measurable.Depending on what kinds of products and digital services your organization offers will impact how you go about doing this. Essentially, you're taking the company objectives and translating those to the website, app, or digital service that you're running. For example, "increase revenue" might be a company goal for the year, so your website's role might be to generate more leads. Then you need to get specific about key performance indicators. What metric are we going to measure? Maybe we're measuring the number of people completing an online form or visiting a contact page. You need to make those metrics very tangible because otherwise, you can't track them easily.Vary your metricsHowever, be careful. Many organizations end up focusing on a single metric like conversion, which often ends up undermining their long-term success. For example, if you only care about conversion, you end up using pop-up overlays and attention-grabbing things, especially if you're thinking about conversion over the next quarter rather than longer term. You'll do anything to meet that target for that particular month. But what you're also doing is alienating people who won't come back because your website is hard to use or annoying.It's much better to have a variety of metrics that you measure rather than focusing on just one area so that you approach things in a more rounded way.I typically try to have metrics in three broad areas:Engagement metrics assess if users find your design delightful, if the content is interesting, and if it's relevant to their needs. You might put out a quarterly survey on the website or measure dwell time (although sometimes that can be a sign that people are lost on the website) or track how much of a video they watch.Usability metrics answer whether users can find answers to their questions and use features effectively. Periodic usability testing can bring those metrics in. You can measure things like task success rate, time to complete tasks, error rates, and the system usability scale I mentioned earlier.Conversion metrics show whether the right users take action on the site and what the financial value of those actions is. You've got the conversion rate, average order value, average lifetime value, number of repeat customers, and so on.Tie metrics to dollar valueThe most important thing is to try and tie these metrics to a dollar value if possible. Let me give you an example of how powerful this can be.I was at a restaurant called Pizza Express here in the UK. My wife and I were sitting there when the server came over to take our order. However, they took forever to input the order into an iPhone app. I glanced at my wife, who immediately rolled her eyes at me because she knew exactly what I was thinking. That the app had a bad user experience and needed improvement. The server went away, and my poor wife had to listen to me go on about how annoying these apps can be. I then became obsessed and ruined our lunch by starting some calculations.I calculated that if we could save 10 seconds per order, with about 350 orders placed per day in an average restaurant, that would save 58 minutes every day. Pizza Express is open about 364 days a year, meaning we could save 351 hours per year per restaurant. With 450 restaurants worldwide, that equates to nearly 158,000 hours that could be saved by fixing this app. According to ChatGPT, the average server in the UK earns about £9.90 per hour, so fixing the app could save the company over £1.5 million a year.Now, you might think I made up these numbers, and that would be the kind of feedback you'd get if you did something similar. You're right. People will say the numbers are made up, and yes, I did make them up. But it shows the potential. You can use that as a case to run a proof of concept project to work out the real cost savings. It's okay to make educated guesses, and the power of linking a usability or user experience problem to a financial value cannot be overstated. That is where you'll really get people's attention and begin to show the organization the value you can provide.If you want to make similar calculations, I've created a UX ROI calculator on my website that helps you work out the financial impact of UX improvements. Whether you're trying to increase your conversion rate, improve user retention and engagement, or boost productivity and efficiency, it walks you through the math and gives you numbers you can take to stakeholders.Report your successHowever, we can't just calculate these numbers. We also need to report them back. There are several techniques I use for demonstrating this value across the organization.I use storytelling quite a lot. Creating an engaging story that demonstrates how UX enhancements can address issues and achieve measurable business results. That's where your qualitative feedback becomes valuable because you've got all these stories of different users and their experiences. I could have just given you the hard numbers about the Pizza Express example, but by telling you how I ruined our lunch and alienated my wife, I made that story more interesting.I'm also a great fan of dashboards. Providing UX metrics in a dashboard will demonstrate how changes in the user experience help meet business objectives in a very tangible, visual way that people can instantly understand.I also produce impact reports either quarterly, half-yearly, or annually which report back to the organization about the impact that user experience changes have had on the long-term goals of the business.And then there are demos. Host demo days to showcase recent successes, what you changed, what it was like before and after, and the tangible difference that made.Reporting success is really an important part of the equation, and that means you need to be measuring success and tying that back to a financial benefit if you possibly can.Outie's AsideIf you're a freelancer or agency working with clients, demonstrating value becomes even more critical. Your client relationships depend on proving ROI.When you start a project, agree on the metrics you'll track upfront. Don't wait until the end to figure out how you'll demonstrate success. Build measurement into your proposal. If your client says "increase conversions," get specific about which conversions, by how much, and over what timeframe.Document the baseline before you start work. Take screenshots, record the current metrics, and note the user complaints. This gives you a clear before state to compare against.During the project, create a simple dashboard that your client can check anytime. Share wins as they happen. Don't save everything for the final report.When you're calculating potential value, be conservative. Underpromise and overdeliver. If your rough calculation suggests £100,000 in savings, present it as "potentially £50,000 or more." This protects you from overpromising while still showing meaningful impact.Finally, make your impact reports visual. Before-and-after screenshots, simple charts showing metric improvements, and short video clips of users struggling with the old design versus succeeding with the new one. These make your case far more compelling than a spreadsheet full of numbers.So that is it for this time. Next week, I'll wrap up this course with some final thoughts and a summary of everything we've covered. I'll pull together the key lessons and give you a framework for moving forward with confidence.

Mike Johnson, Beau Morgan, and Ali Mac continue to react to the latest College Football Playoff rankings, and explain why they think there's still a chance that Georgia could miss out on having a bye in the College Football Playoff depending on how championship weekend plays out in college football.

This show has been flagged as Clean by the host. Hello, again. This is Trey. Welcome to part 4 in my Cheap Yellow Display (CYD) Project series. If you have hung in there with me so far on this journey, thank you. If you have missed earlier episodes, you can find them on my HPR profile page https://www.hackerpublicradio.org/correspondents/0394.html If you have questions, comments, concerns, or other feedback, please leave an episode comment, or drop me an email (Using the address in my profile). Even better, you could record and upload your own show which shares your viewpoint or expertise. To review, I finally have an actual project to build using the CYD. It is a portable, programmable morse code "Keyer memory" which can be connected to any of my HF transceiver radios by simply plugging it in to the code key input port. Then I could transmit stored messages by simply touching their specific icon on the touch screen. So, now I purchased a pair of CYDs. Each arrived in an anti-static zipper bag with a USB C cable, a 6 inch long 4 pin PB1.25mm to Dupont 2.54mm cable harness, a plastic case holding the CYD itself and a small plastic stylus. There are pictures in the show notes. Depending on how many IO connections I may need, and how I plan to power this, I am probably going to need more 4 pin PB1.25mm wired connectors. You can see a description of the various features and connectors on RandomNerdTutorials writeup about this board ( https://randomnerdtutorials.com/cheap-yellow-display-esp32-2432s028r/ ). The only difference I can see between this description and what I received is that mine have both a MicroUSB and USB C port. Of course, first thing, I had to plug it in and see what happens. It appears to be running some kind of simulation of a web site. The backlit display looks alright. It is not super high resolution, but for the price, it will suite my needs. The touch screen is responsive, but it is pressure sensitive and works best using the provided stylus or a fingernail and not your finger tip. So, I have the CYD. What other hardware do I need? I need to address how one of these will actually connect to my radios. Modern amateur radio transceivers which support continuous wave (CW) transmission (Which is another name for Morse code) generally can use one of two different pieces of hardware for input. The first is what we call a straight key. Below is a photo of the one I own. This is a classic, old fashioned telegraph style code key. It is designed to quickly and easily be pressed down to close a circuit and when released the circuit is opened, effectively making it a normally open push button switch. To send a dot, the operator holds down the key for a short period of time, then releases it. To send a dash, the operator holds down the key for a longer period of time, before releasing it. (We will discuss actual timing specifications for morse code in a future podcast) Connectivity for the switch has been standardized to use a 3.5 mm mono male phone connector which has only sleeve and tip connections. The second option is a paddle style electronic keyer. There are many styles of these, and I am including a picture of the one I use, which once belonged to a close friend of mine who is now silent key. In general, the paddle is two separate normally open switches. In the most common configuration, if an operator presses and releases the paddle on the right, a dash is sent. If the paddle on the right is held, a continuous series of dashes will be sent until that paddle is released. The left paddle works similarly. If it is pressed and released, a single dot is sent. If it is pressed and held, a series of dots is sent until it is released. The function of these paddles can be swapped from left to right using the radio configuration. There is additional functionality which can be configured in some radios for when both paddles are pressed simultaneously, but I am not going to describe those here. The paddle generally uses a 3.5mm stereo male phone connector with the sleeve being common. The tip of the phone connector is wired to the left paddle and ring of the connector is wired to the right paddle. Most modern radios have a built in keyer which can be configured for a paddle and will automatically transmit the dots or dashes at whichever speed is configured based on the paddle pressed. You can see this phone connector illustrated on Wikipedia's phone connector page. . https://en.m.wikipedia.org/wiki/Phone_connector_(audio ) You can learn more about all the various devices which can be used for sending morse and how they function at Morse Code World . https://morsecode.world/keys.html Ideally, controlling all the morse code timing within the CYD would be best. That way, it could be connected as a straight key and any keyer settings already configured within the radio shouldn't matter. However, If I wish to also be able to manually send morse code myself using my paddles, without disconnecting the CYD and reconfiguring the radio, that could be problematic. I may need to factor in the possibility of connecting my paddle to the CYD and then building in code to respond to inputs from the paddles. As I mentioned in a previous episode, I have an Arduino Nano on my desk as a practice oscillator for my paddles. I may be able to reuse some of that code on the CYD. So, if I want the CYD to appear to the radio like a straight key, I will need it to be able to control a switch quickly and accurately. But I also want the CYD and the radio to be electrically isolated from each other. This calls for a relay. I was able to find and order some inexpensive relay modules which work nicely with Arduino and ESP32. These allow connectivity to 5v power and to one of the CYD's GPIO pins. These feed an optocoupler circuit, which, in-turn, drives the coil of the relay. This provides inductive kickback protection to the CYD and can drive a coil which would require more current than the GPIO can provide. Inductive kickback rabbit trail: An inductor is simply a coil of wire. Direct current flowing through any wire generates a magnetic field. Within the inductor, because the wire is coiled, the magnetic field builds from each pass of the wire in the coil. If you include an iron core, it sustains the magnetic field even better. This is the basis for an electro magnet. A relay is simply a momentary contact switch controlled by an electromagnet. One unique property of an inductor is that, current wants to keep flowing in the direction it was applied. To be specific, when the current source is removed, the magnetic field still exists for a while, and it effectively "generates" an electric current within the coil, in the same direction as the one which initially created the magnetic field to begin with. If it has a path to flow, this current will create another weaker magnetic field, which creates its own electric current, in a diminishing loop. If the circuit which drives the coil of a direct current relay is not ready for this continued push of current, damage can be done. Many times this is countered by wiring a "flyback diode" in parallel with the coil and in the opposite direction in which current will be applied. This way, when the current source is stopped, the diode gives a path for the inductive kickback current to safely flow while the magnetic field dissipates. Explained in greater detail at https://inductive-kickback.com/2019/04/inductive-kickback-made-simple-to-grasp-easy-to-handle/ The switch side of the relay is a single pole double throw (SPDT) and makes connections available for common, normally closed (NC), and normally open (NO). It will be easy to connect the common and NO connections to a 3.5mm mono male connector so that it may be plugged into the "key" port on any radio transmitter. I will need to do some testing on the speed of the relay, but I think it will work just fine. Once I start writing some code for the CYD, I will be able to connect and test the relay. Well, this is a good place to end this episode, and it is one of the longest in this series so far. In the next episode, we will begin to look at how we design the user interface for our program, something I do not know anything about (yet). Stay tuned weekdays for additional exciting episodes of Hacker Public Radio, and, at some point, the next episode in this series. If you like what you have heard, please leave an episode comment, or drop me an email (Using the address in my profile). If you have more than a single sentence to contribute on the subject, I encourage you to record an episode with your thoughts and expertise. If you dislike what you have heard, you are encouraged even more strongly to record and upload your own show which shares your viewpoint or opinion. Until next time. Provide feedback on this episode.

Thankfulness can feel surprisingly slippery—especially when the holiday meant to celebrate gratitude often leaves us rushing, coordinating, cooking, or collapsing on the couch. Psalm 100:4–5 invites us to slow down and remember why gratitude matters in the first place: God is good, His love endures, and His faithfulness covers every generation. When our hearts return to that truth, thanksgiving becomes more than a holiday feeling—it becomes a posture shaped by God’s presence, not our circumstances. Highlights True gratitude goes deeper than holiday traditions or surface-level appreciation. Thanksgiving can be stressful—travel, expectations, or loneliness—but God steadies our hearts in every situation. Being thankful includes recognizing the blessing of people who want us close during the holidays. Reaching out to someone who’s alone can ignite genuine gratitude in them and in us. A thankful heart grows as we reflect on God’s goodness, salvation, and enduring faithfulness. Gratitude is something to cultivate year-round, not just on one busy Thursday. Gift Inspiration: Crosswalk's Holiday Gift Guide Looking for a meaningful way to celebrate the season? Check out our Holiday Gift Guide—from beautifully illustrated Bibles and devotionals to novels, greeting cards, and picture books, there’s something for everyone on your list. Wrap up stories for loved ones, tuck a book into your own nightstand, and join us in celebrating the wonder of giving this Christmas! Full Transcript Below: Having Genuine Gratefulness This Thanksgiving By Vivian Bricker Bible Reading: “Enter his gates with thanksgiving and his courts with praise; give thanks to him and praise his name. For the Lord is good and his love endures forever; his faithfulness continues through all generations.” - Psalm 100:4-5 Thanksgiving shouldn't be known as just a day of feasting. Rather, it should be a day dedicated to genuine thankfulness. Due to all the preparations that need to be done, it can sometimes feels like the only thing we are thankful for is when the day is finally over. Depending on your own living situation, Thanksgiving might look like traveling to three different locations to spend time with family, or maybe it looks like spending time at home alone. When we reflect on our own Thanksgiving experiences, we need to consider what it truly means to be thankful. Sure, traveling all weekend for Thanksgiving can feel daunting and stressful, but we have to ask ourselves, “Isn't it worth it to spend time with my loved ones?” For those who don't have extended family and aren't traveling for Thanksgiving, traveling would be something to be thankful for, as it means you have people who care about you and truly want you there for the holiday season. Imagine if you had nowhere to or spend the holiday with, and how lonely that would be. I still acknowledge that spending Thanksgiving on the road can be stressful as well. For many people, they have to travel very long distances or go to multiple places in one day. However, with God, we can still be thankful regardless of our situation. My family and I are close-knit, so we stay together for Thanksgiving. My uncle lived by himself, and every year we would give him a big Thanksgiving meal plate, and my dad would spend time with him since all of his own family had passed away. Sadly, there are many people just like my uncle. Although he is now in Heaven, he spent most of his life alone. If you want a heart of thankfulness this year, try to spend time with a family member or friend who is by themselves. It will mean the world to them, and it might also help you become more thankful for what you have in your own life. The goal for Thanksgiving is to express true thankfulness. Not a thankfulness that is only surface-level, but a true thankfulness that reaches to the inmost parts of our souls. This is a thankfulness that is rooted in God. When we acknowledge the many blessings of God in our lives and the very gift of salvation, we will finally be able to open our hearts to being thankful. Intersecting Faith & Life: The Bible tells us, “Enter his gates with thanksgiving and his courts with praise; give thanks to him and praise his name. For the Lord is good and his love endures forever; his faithfulness continues through all generations” (Psalm 100:4-5). As this Psalm states, we need to enter the Lord’s courts with praise, give Him thanks, and praise His Name. His love endures forever, His faithfulness continues through all generations, and He is good. By knowing these things and taking them to heart, we will become more grateful for our wonderful Savior and thankfulness will start showing up in our daily lives. Reach out to a loved one who is living alone, or be happy when you have to make the long trip to meet up with family members who live in another state. Allow yourself to be thankful for the beautiful blessings God has placed in your life. Every good gift comes from the Father (James 1:17). Continue to cultivate this thankfulness beyond the Thanksgiving season and hold onto it for the rest of your days. Do you have trouble being thankful on Thanksgiving? What are some ways you can reach out to a loved one this Thanksgiving to help them know they are not alone? Further Reading: 1 Thessalonians 5:18 Colossians 3:15 Colossians 4:2 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

When it comes to what counts as being unfaithful in a relationship, everyone has their own definition. Some might say that only physical contact with another person is cheating, whereas others will argue that even a mildly flirtatious conversation is unacceptable. That's where the concept of micro-cheating comes into play. Micro cheating refers to seemingly minor actions that suggest a person is emotionally or physically invested in someone outside of their relationship. Where it gets tricky is that micro cheating can take many different subtle forms, and each person's definition is likely to vary. Depending on your intentions, it could be giving your number to someone you find attractive for example. Are there other examples? What are the telltale signs? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How to exercise safely when the weather is cold?⁠ ⁠How can I take part in Giving Tuesday?⁠ ⁠Why do people R-bomb in the dating world?⁠ A podcast written and realised by Joseph Chance. First Broadcast: 29/11/2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

Waiting seasons have a way of exposing parts of us we didn't know were there. The questions, the ache, the desire to control — all of it comes to the surface when we're hoping for something we don't yet have. Lately, I've been thinking a lot about what it really means to trust God, not just with my words, but with my weight — the weight of desire, uncertainty, and yearning.In this episode, I'm sharing something that shifted my perspective on trust, and specifically, trusting God. I pray that it blesses you!

How do you talk about kindness? Depending on the context, the Greek word can be translated as fitting, pleasing, honest, or compassionate. How do you talk about a word with that kind of lexical range? The answer is you can't do it abstractly. You have to look at a kind of relationship that combines all those traits. The kind of relationship that combines them is friendship. And nothing is more humanizing and life-changing than friendship.  John 15 is a unique passage about friendship. It tells us 1) the character or nature of friendship, 2) how you forge friendship, and 3) where you get the power for friendship. This sermon was preached by Dr. Timothy Keller at Redeemer Presbyterian Church on May 9, 2010. Series: The Real Signs of the Spirit. Scripture: John 15:6-15. Today's podcast is brought to you by Gospel in Life, the site for all sermons, books, study guides and resources from Timothy Keller and Redeemer Presbyterian Church. If you've enjoyed listening to this podcast and would like to support the ongoing efforts of this ministry, you can do so by visiting https://gospelinlife.com/give and making a one-time or recurring donation.

It's In the News.. a look at the top headlines and stories in the diabetes community. This week's top stories: It's World Diabetes Day and we have a LOT of news to get to! Daily oral insulin tested to prevent T1D, mothers and sons and a T1D link, stem cell updates, Tandem Android news, Omnipod's workplace campaign and more! Find out how to submit your Community Commercial Find out more about Moms' Night Out  Please visit our Sponsors & Partners - they help make the show possible! Learn more about Gvoke Glucagon Gvoke HypoPen® (glucagon injection): Glucagon Injection For Very Low Blood Sugar (gvokeglucagon.com) Omnipod - Simplify Life Learn about Dexcom   Check out VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Twitter Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com  Reach out with questions or comments: info@diabetes-connections.com Episode transcription with links:   Hello and welcome to Diabetes Connections In the News! I'm Stacey Simms and every other Friday I bring you a short episode with the top diabetes stories and headlines happening now. It's world diabetes day! It is marked every year on 14 November, the birthday of Sir Frederick Banting, who co-discovered insulin along with Charles Best in 1922.   WDD was created in 1991 by International Diabetes Federation (IDF) and the World Health Organization and became an official United Nations Day in 2006 with the passage of United Nations Resolution 61/225. There will be a ton of stuff in your feeds today and that's great! I'm going to keep this to a pretty normal in the news episode.. although I do have my own World Diabetes Day announcement – I want YOUR community commercials. You could have an ad for your event or your blog or your project right here! There's a post on the website explaining it all and I'll come back at the end of the episode and tell you more. XX The Primary Oral Insulin Trial (POInT) is the first large-scale clinical trial to test whether giving at-risk children daily oral insulin could prevent or delay type 1 diabetes (T1D). Conducted by researchers from Helmholtz Munich and the Technical University of Munich across five European countries, the study enrolled more than 1,000 children with a genetic risk for T1D. Results published in The Lancet show that while oral insulin did not prevent the development of islet autoantibodies—an early sign of diabetes—it was safe and well tolerated. Importantly, researchers found that some children who received oral insulin developed diabetes more slowly than those given a placebo, suggesting potential protective effects in certain genetic subgroups.   Further analysis revealed that the response to treatment depended on the child's insulin gene variant. Children with genetic versions that raise diabetes risk appeared to benefit, showing delayed onset of the disease, while those without the risk variant did not. These findings point toward a future of personalized prevention, where genetic screening could help identify which children might benefit most from oral insulin. Researchers will continue following the participants until age 12 to assess long-term effects. The study marks a major milestone in decades of diabetes prevention research, highlighting both the promise and complexity of developing tailored, early interventions against type 1 diabetes. XX Joint US-Chinese research looking at generating new beta cells from stomach cells. Upon turning on the "genetic switch," the human stomach cells were converted to insulin-secreting cells within the mice and resembled pancreatic beta cells with respect to gene and protein expression. Encouragingly, when those experiments were done with diabetic mice, insulin secreted from the transformed human cells helped control blood sugar levels and ameliorated diabetes. The scientists hope that a similar approach can be taken to convert cells from a patient's own stomach into insulin-secreting cells directly within the body. Importantly, additional studies are needed to address if this approach is safe and effective to be used in patients. https://www.technologynetworks.com/cell-science/news/human-stomach-cells-tweaked-to-make-insulin-406694 XX A new study in Nature Metabolism may help explain why children born to mothers with type 1 diabetes are less likely to develop the disease early in life compared to those whose fathers or siblings have it. Researchers looked at nearly 2,000 mothers and their children and found that  kids whose moms have type 1 diabetes show changes in their DNA that may actually help protect them. These aren't genetic mutations, but epigenetic changes — chemical tags that turn certain genes on or off. The study found these changes in genes tied to the immune system and type 1 diabetes risk, suggesting that a mother's condition during pregnancy can shape her child's immune response in a protective way. Scientists identified more than 500 areas of DNA where these changes occurred, many in regions that control how the body's immune system works. Most of the changes appeared to calm down the kind of overactive immune response that leads to type 1 diabetes. Researchers even created a "methylation score" to help measure this protective effect. They say the next step is to confirm these results in more diverse groups and figure out exactly how these DNA changes help prevent early diabetes. https://www.news-medical.net/news/20251110/Maternal-type-1-diabetes-may-protect-children-from-developing-the-disease.aspx XX A new study from Karolinska Institutet and Stockholm University reveals that sons born to mothers with type 1 diabetes may develop early vascular dysfunction—independently of metabolic health. The finding may help shape future strategies to prevent cardiovascular disease early in life.     Children of women with type 1 diabetes are known to be at increased risk of developing cardiovascular diseases. This new study, published in Cell Reports Medicine, is the first to show that the risk is linked to early dysfunction in blood vessel cells in sons, even before any metabolic issues arise. The team is now investigating the long-term effects of maternal diabetes, with a particular focus on why sons seem to be affected earlier than daughters. https://medicalxpress.com/news/2025-11-sons-mothers-diabetes-early-vascular.html XX A new study presented at Kidney Week 2025 has shown that the drug finn-uh-near-own  a nonsteroidal mineralocorticoid-receptor antagonist, significantly reduced albuminuria—a key marker of kidney damage—in people with type 1 diabetes (T1D) and chronic kidney disease (CKD). This is the first major breakthrough for this population in more than 30 years. Researchers found that patients taking finerenone saw a 25% average reduction in albuminuria compared to placebo, an improvement that suggests a lower long-term risk for dialysis or kidney transplant. The phase 3 FINE-ONE trial involved 242 adults with T1D and CKD, and results showed benefits as early as three months. The drug was generally well tolerated, with side effects similar to those seen in patients with type 2 diabetes, though mild hyperkalemia (high potassium levels) was slightly more common. Experts say the findings could change the way doctors treat kidney complications in type 1 diabetes, an area that hasn't seen new therapies since the early 1990s. Currently, treatment options rely on blood pressure and blood sugar management, along with renin-angiotensin system (RAS) inhibitors. Finerenone, which is already approved for type 2 diabetes-related CKD, targets overactivation of a receptor that drives kidney damage. Based on these results, Bayer plans to seek FDA approval in 2026 for use in people with T1D and CKD. Researchers and clinicians alike are calling the study "groundbreaking," noting that it opens the door to future research on how finerenone might not just slow kidney decline—but possibly prevent it altogether. https://www.medscape.com/viewarticle/finerenone-offers-hope-kidney-disease-type-1-diabetes-2025a1000uzi?form=login   XX This week, Tandem Diabetes Care (Nasdaq:TNDM) announced a major milestone for its Mobi miniature durable insulin pump system. San Diego-based Tandem revealed that it received FDA approval for the Android version of its Mobi mobile app. Clearance brings Mobi — which the company describes as the world's smallest, durable automated insulin delivery system — to more users. The pump, which pairs with Tandem's Control-IQ+ algorithm, previously worked with iOS software.   Tandem — one of the largest diabetes tech companies in the world — expects to begin a limited rollout next month, followed by full commercial availability in early 2026. This marks the latest milestone for the company, which continues to expand its offerings and widen its reach within the diabetes patient population.   We had a great interview with Tandem on our previous episode, but as I said at the time, it was coming before their earnings call. So here's an update: The company plans to submit the tubeless mobi to the fda before the end of this year.. possible approval and shipping date is hoped for by middle of 2026. Trials for their fully closed loop next-generation algorithm which we tlkaed abou ton the show should be launched in 2026 The Sigi patch pump will be developed and launched as a next-generation version of the Mobi Great job by Dr. David ? Ahn – he posted on IG after getting a message from tandem CEO John Sheridan? 1. First, the Tandem X3 *is* still absolutely in development, contrary to my speculation In yesterday's video. As many of you appropriately pointed out, there is definitely a market for a 300 unit pump, a pump with a screen, and a pump that does not require smartphone control. So from our brief chat, the sense I got that is that the X3 would be more of a refresh of the X2 with newer components, such as a USB-C connector and better memory, rather than a total redesign from the ground up. In terms of timing, all I could get was that it was "not too far distant in the future," which could mean anything I guess, but at least it's still on the way! 2. Next up, he also reassured me that they are working closely with Dexcom to support the G7 15 Day sensor within the next few months. I suspected as much, but it's always good to hear confirmation. 3. Lastly, he did confirm that Tandem is far along in developing a Caregiver/Follow app to allow the remote viewing of glucose and insulin data from a Tandem pump. He explained that it will be based on Sugarmate, the popular diabetes data dashboard app that Tandem acquired back in Jun 2020. While I don't know if every feature will make it into the Tandem caregiver app, Sugarmate is well-liked for its highly customizable dashboard and highly configurable alerts. Sugarmate even has the option to send a text message or phone call for urgent lows. Regardless, a true follow/Caregiver app will be welcomed with open arms by all caregivers and Tandem users who use Libre 3 Plus. https://time.com/7318020/worlds-top-healthtech-companies-2025/ XX Senseonics submits Eversense 365 – their year long implantable CGM for a CE mark, European Approval and expect to launch there soon. Eversense will be integrated with the sequel twist pump – again I'm hearing soon but no timeline. Intersting to note that one year inseration was approved in the US just about a year ago, so the first patients will be having their CGMs changed out – for the first time – pretty soon. https://www.drugdeliverybusiness.com/senseonics-q2-2025-sales-beat-ce-mark/ XX A confusing study out of Rutgers - these researcher say  metformin reduces some of the key benefits normally gained from regular physical activity. These include improvements in blood vessel health, physical fitness, and the body's ability to regulate blood sugar. Since 2006, doctors have typically encouraged patients with elevated blood sugar levels to combine metformin with exercise, expecting that the two proven treatments would produce stronger results together. However, the new research suggests this may not be the case. In this study, Exercise alone improved vascular insulin sensitivity, meaning blood vessels responded better to insulin and allowed more blood flow to muscles. This matters because insulin's ability to open blood vessels helps shuttle glucose out of the bloodstream and into tissues, lowering blood sugar after meals. But when metformin was added, the improvements shrank. The drug also diminished gains in aerobic fitness and reduced the positive effects on inflammation and fasting glucose. The findings don't mean people should stop taking metformin or exercising, Malin said. Instead, it raises urgent questions for doctors about how the two treatments can be combined and the need for close monitoring. Malin hopes future research will uncover strategies that preserve the benefits of both. https://scitechdaily.com/popular-diabetes-drug-metformin-may-cancel-out-exercise-benefits-study-warns/ XX XX https://www.medtechdive.com/news/Revvity-Sanofi-diabetes-test-Kihealth-seed-round/802133/   XX Dexcom recalled an Android app for its G6 glucose sensor due to a software problem that could cause the app to terminate unexpectedly. The issue could cause users to miss alarms, alerts or notifications related to estimated glucose values, according to a Food and Drug Administration database entry posted Oct. 30. The glucose sensor and the app are still available, but Dexcom required users to update the app to a new version. Dexcom began the recall on Aug. 28. The FDA designated the event as a Class 1 recall, the most serious kind. Dexcom sent a notification to customers in September about the software bug, which applies to version 1.15 of the G6 Android app. To use the app, customers must update it to a new version, according to the entry. https://www.medtechdive.com/news/dexcom-recall-g6-cgm-app/804630/ XX https://www.medscape.com/viewarticle/automated-insulin-delivery-boosts-glycemic-control-youth-2025a1000ub3 XX Tidepool partners with smart ring maker OURA.. press release says: to support a groundbreaking dataset intended to be broadly available for diabetes research, with participation limited to individuals who opt in through Tidepool.         Tidepool will pair biometric data from Oura Ring – sleep, activity, heart rate, temperature trends, and menstrual cycles – with diabetes device data, including continuous glucose monitors (CGMs) and insulin pumps. The result will provide researchers with an unprecedented dataset to accelerate the development of new clinical guidelines, next-generation diabetes technology, and personalized care models.   Recruitment is expected to launch in early 2026 through an IRB-approved study. By opting in to this study, participants consent to sharing their data with Tidepool's Big Data Donation Project, where data is de-identified and, with participant consent, shared with academics, researchers, and industry innovators to accelerate diabetes research. https://aijourn.com/tidepool-collaborates-with-oura-to-advance-inclusive-diabetes-research-through-wearables/ XX Eli Lilly launches two new clinical trials for baricitinib. These phase 3 trials will investigate whether the drug can delay T1D onset or progression and will open for recruitment soon. Baricitinib has the potential to extend the "honeymoon period" of T1D, meaning that it could preserve remaining insulin-producing beta cells earlier in disease progression. More beta cells mean better blood sugar management—and potentially reduced long-term complications. JAK inhibitors, including baricitinib, are already FDA-approved for other autoimmune diseases, such as rheumatoid arthritis, alopecia, and more. JAK signaling pathways are associated with overactive immune responses, so blocking this pathway may turn down the immune response. The phase 2 Breakthrough T1D-funded BANDIT study was key in showing that this drug is safe and effective in T1D. Importantly, baricitinib is a once-daily oral pill—meaning its use is simple and easy.   https://www.breakthrought1d.org/news-and-updates/two-new-trials-baricitinib-to-delay-t1d/ XX   Insulet is taking diabetes awareness into the workplace. Having found 79% of people with diabetes have faced bias or misunderstanding at work, the medtech giant is rolling out a range of resources intended to trigger changes in how workplaces approach the condition. Lots going on for Diabetes Awareness month.. some notables.. Insulet's "The Day Diabetes Showed up to Work" campaign. based on a survey of almost 10,000 people 79% of people with diabetes have faced bias or misunderstanding at work,.   Almost 90% of people with diabetes surveyed reported experiencing barriers at work due to their condition, and more than 40% of people with diabetes and caregivers said they have workplace-related anxiety tied to the metabolic disease. Around one-quarter of respondents reported fears that diabetes could limit opportunities or lead to workplace discrimination and judgment, and a similar proportion of people said they conceal their condition. https://www.fiercepharma.com/marketing/widespread-workplace-challenges-people-diabetes-spark-insulet-campaign XX New directive issued by the Trump administration could mean people seeking visas to live in the U.S. might be rejected if they have certain medical conditions, including diabetes or obesity.   The guidance, issued in a cable the State Department sent to embassy and consular officials and examined by KFF Health News, directs visa officers to deem applicants ineligible to enter the U.S. for several new reasons, including age or the likelihood they might rely on public benefits.   The guidance says that such people could become a "public charge" — a potential drain on U.S. resources — because of their health issues or age.   The cable's language appears at odds with the Foreign Affairs Manual, the State Department's own handbook, which says that visa officers cannot reject an application based on "what if" scenarios, Wheeler said.   The guidance directs visa officers to develop "their own thoughts about what could lead to some sort of medical emergency or sort of medical costs in the future," he said. "That's troubling because they're not medically trained, they have no experience in this area, and they shouldn't be making projections based on their own personal knowledge or bias."   Immigrants already undergo a medical exam by a physician who's been approved by a U.S. embassy. https://www.npr.org/2025/11/12/nx-s1-5606348/immigrants-visas-health-conditions-trump-guidance XX SAN DIEGO---Nov. 14, 2025—DexCom, Inc. (NASDAQ: DXCM), the global leader in glucose biosensing, today unveiled 16 new diabetes advocates to represent people living with diabetes globally as part of Dexcom's World Diabetes Day campaign. The advocates – ranging from ages six to 68, spanning various types of diabetes, and hailing from four continents and five countries – were selected from 1,000 open call submissions based on their experiences advocating for people with diabetes in their communities. While each person's experience with diabetes is unique, they share a common passion for advocacy – and use of Dexcom's glucose biosensing technology. "Through advocacy, I strive to show others, especially children and newly diagnosed patients, that diabetes is not a limitation but an opportunity to grow stronger, inspire resilience and pursue ambitious goals," said Maria Alejandra Jove Valerio, one of Dexcom's new advocates. "What began as a diagnosis at age seven has grown into a lifelong mission to uplift others." This effort represents the first time Dexcom has sourced voices from the broader diabetes community specifically for its World Diabetes Day campaign, reinforcing Dexcom's history of and commitment to giving real people with diabetes a platform to share their story on a global stage. Through engaging, editorial-style portraits and deeply personal stories, the campaign highlights each advocate's personal experience with diabetes, what misconceptions about diabetes they'd like to dispel and how they want to inspire others with diabetes to discover what they're made of. To prepare for the spotlight, the group of advocates met in Los Angeles for a World Diabetes Day photoshoot which included a surprise visit from Grammy-nominated artist, actor, producer and Dexcom Warrior Lance Bass and author, producer, actress and Stelo*Ambassador Retta. This visit offered the advocates an opportunity to exchange stories and personal perspectives on the meaning of diabetes advocacy and how they live it each day. Behind the lens at the shoot was another member of the diabetes community—photographer Tommy Lundberg who lives with Type 1 diabetes. "Directing this photoshoot was nothing short of inspiring. Each of these advocates has a unique an XX On what would have been the 100th birthday of its visionary founder Alfred E. Mann, MannKind Corporation (Nasdaq: MNKD), in partnership with Alfred E. Mann Charities and The Diabetes Link, announced the launch of the Centennial Al Mann Scholarship. The new program will distribute $100,000 in scholarship funds to support at least 10 young adult students living with diabetes as they pursue higher education in life sciences.   Launched in Diabetes Awareness Month, the scholarship program honors Alfred E. Mann's enduring legacy of innovation, philanthropy, and his lifelong commitment to improving the quality of human life through medical advancement. Deeply passionate about giving back, Mr. Mann believed that his success should continue to serve humanity long after his passing, a belief that lives on through this initiative.   Each scholarship recipient will be awarded up to $10,000, distributed in annual installments of $2,500 throughout the course of their studies. Depending on the length of their degree program, recipients may receive between two and four installments (up to the full $10,000 per student). The first awards will be made for the 2026 academic year.   "Al Mann dedicated his life to helping people with serious medical conditions live longer, healthier lives. This scholarship is a reflection of that spirit," said Michael Castagna, PharmD, Chief Executive Officer of MannKind Corporation. "By supporting students living with diabetes who are pursuing careers in the life sciences and adjacent fields, we're honoring Al's legacy and investing in the future of innovation and care. This program is about giving back to the community we serve and empowering the next generation to carry forward Al's mission of making a meaningful difference in people's lives."   Alfred E. Mann Charities and MannKind will partner with The Diabetes Link to launch the program to serve young adults (aged 18-22) living with either type 1 or type 2 diabetes with their higher education goals. Those eligible will include incoming freshmen and current students pursuing 2- or 4-year degrees. The application window will open in early 2026, and for those interested in receiving notifications, an early interest form is available. More information about the scholarship will be shared on thediabeteslink.org.   "We're honored to partner with MannKind to expand access to higher education for young adults with diabetes," said Manuel Hernández, Chief Executive Officer of The Diabetes Link. "At a time when the cost of college continues to rise, this scholarship helps ease the financial burden and carries forward the spirit of Al Mann, whose vision and legacy continue to inspire us."   Mr. Mann was MannKind's Chairman of the Board from 2001 until his passing in February 2016 and served as Chief Executive Officer from November 2003 until January 2015. Driven by a desire to improve lives and fill unmet medical needs, for more than six decades he founded 17 companies and developed breakthrough medical devices, including insulin pumps, cochlear implants, cardiac pacemakers and retinal prostheses. In 1997, Mr. Mann saw the potential of a dry powder insulin formulation to change the way diabetes is treated and invested nearly $1 billion to help bring Afrezza® (insulin human) Inhalation Powder to market.   About MannKind MannKind Corporation (Nasdaq: MNKD) is a biopharmaceutical company dedicated to transforming chronic disease care through innovative, patient-centric solutions. Focused on cardiometabolic and orphan lung diseases, we develop and commercialize treatments that address serious unmet medical needs, including diabetes, pulmonary hypertension, and fluid overload in heart failure and chronic kidney disease.   With deep expertise in drug-device combinations, MannKind aims to deliver therapies designed to fit seamlessly into daily life.   Learn more at mannkindcorp.com.   About Alfred E. Mann Charities, Inc. Alfred E. Mann Charities, Inc. became active in 2016, following the passing of the organization's benefactor, Alfred E. Mann. Throughout his life, Al was passionate about philanthropy and was dedicated to prolonging and improving the quality of human lives through innovation in the fields of healthcare and the use of medical devices. It was important to Al that his success and assets continue to better human lives even after his own passing.   Alfred E. Mann Charities, Inc. (formerly known as Alfred E. Mann Family Foundation) has similarly placed its primary focus on healthcare and medical innovation, as our organization believes this is where we can have the greatest impact on humanity and human health throughout the world. Alfred E. Mann Charities, Inc. is also dedicated to promoting arts, culture, education, and community development across Los Angeles and throughout the world in order to best serve people and this planet.   Learn more at aemanncharities.org.   About The Diabetes Link The Diabetes Link is the only national nonprofit organization dedicated to empowering young adults living with diabetes. Founded by and for young adults, The Link serves this community through peer support, leadership opportunities, and practical, evidence-based resources designed for real life. Its network of campus and community chapters, active online community, and robust Resource Hub help young adults navigate the transitions of early adulthood while managing diabetes. The organization envisions a future where every young adult living with diabetes has

The Friday Five for November 14, 2025: iPhone Pocket Brings Back… Pockets. CMS Rural Health Transformation Program Government Shutdown Update Most-Favored Nation Drug Pricing CMS GENEROUS Model   Get Connected:

Selling real estate comes with a few well-known options, but none of them are perfect. Take the 1031 exchange: you have just 45 days to identify a property and 180 days to close. The financing has to line up, and you're stuck with contingencies that can cut your buyer pool in half. No wonder 60% of 1031 exchanges end up paying some or all the taxes anyway. Your next option? Just pay the tax. Depending on your state, that could mean losing 30% or more of your sale proceeds—money that's gone forever. Another option often promoted is the DST. Sounds good on the surface, but when you peel back the layers, you'll find heavy commissions—sometimes 12 to 16%—and steep fees. Add in strict rules on how you can exit, and in the end, the net return to you is often only about 5%. That just doesn't work for most investors. And while there are plenty of other programs being pitched, most don't pass the IRS's three required tests for tax deferral. At Q companies, they've done the due diligence—almost all of them fail at least one, and many fail all three. In an audit, that means you lose.   But there is a simpler way.   And the IRS already recognizes and even provides a publication for—Publication 537. It's called an Installment Sale Trust (IST). The documents to set it up are straightforward, about 11 pages, and it's direct, easy, and more critical, it's compliant.   That's why we're hosting a Virtual Financial Summit. We'll walk you through all of these options—the 1031 exchange, paying the tax, DSTs, and others—so you can see the benefits and drawbacks for yourself. Most importantly, we'll show you how the IST can help you potentially reach a zero-tax bracket.   Comment ZERO TAX to learn how to better manage your real estate investments. I'm Heather Wagenhals showing you how to mitigate taxes, now go out and Unlock Your Wealth today.   Visit UnlockYourWealth.com for more great resources, tools, and strategies to overcome your personal and professional challenges to get out of debt, achieve financial freedom and live life on your terms today!

Send Us Your Grilling QuestionsThis week on Grilling To Get Away, we pause to recognize Veterans Day and talk about one of our favorite holiday techniques—spatchcocking a turkey. Whether you're firing up the smoker or the grill, this method guarantees crispy skin, faster cooking, and maximum flavor. What Is Spatchcocking?Spatchcocking (also called butterflying) is when you remove the backbone of the turkey and flatten it out before cooking. This technique helps the bird cook faster and more evenly—no more dry breast meat while you wait for the thighs to finish. Plus, when you lay that turkey flat on the grill or smoker, you'll get incredible smoke coverage and perfectly crispy skin all around.How to Spatchcock a TurkeyPrep the Bird: Pat your turkey dry with paper towels and remove any giblets.Remove the Backbone: Using sharp kitchen shears, cut along both sides of the backbone and remove it completely.Flatten It Out: Flip the turkey breast side up and press down firmly on the breastbone until it cracks and lays flat.Season Generously: Coat both sides with olive oil and your favorite Burn Pit BBQ rub—All Ration for an all-purpose flavor, or Shellback Southwest for a bold kick.Grill or Smoke: Cook at 350°F until the internal temperature hits 165°F in the thickest part of the breast. Depending on the size, it usually takes about 1.5 to 2 hours.Why It WorksSpatchcocking not only shortens your cook time, but it also ensures that every bite stays moist and flavorful. You'll also have more room on the grill for sides or even another smaller bird if you're feeding a crowd.Pairing IdeasServe your spatchcocked turkey with smoked mashed potatoes, charred green beans, or grilled stuffing. For seasoning, try brushing a bit of melted butter mixed with Fire For Effect Sweet Heat near the end of the cook for a touch of spice and color.Follow Burn Pit BBQ Instagram: https://www.instagram.com/burnpitbbqguys/ Facebook: ​https://www.facebook.com/burnpitbbq Are you a grilling novice looking to master the art of BBQ and outdoor cooking? Look no further! "Grilling To Get Away" is your go-to podcast for all things grilling, specially designed for beginners who want to embark on a flavorful journey of sizzling steaks, juicy burgers, and mouthwatering BBQ. Hosted by backyard grillers, Greg Fischer & Ben Kreple, this podcast serves up a sizzling blend of tips, tricks, and step-by-step instructions to help you become a grilling pro. Whether you're working with charcoal, gas, or a smoker, our experts will demystify the world of grilling, making it accessible and enjoyable for everyone. Each episode of "Grilling To Get Away" covers essential topics like choosing the right grill, mastering temperature control, selecting the best cuts of meat, marinating, and creating sensational rubs and sauces. You'll also learn about safety tips, grilling techniques, and troubleshooting common grilling problems. Join us as we fire up the grill, share our passion for cooking outdoors, and help you become the backyard BBQ hero you've always wanted to be. So, grab your apron, prepare your tongs, and tune in to "Grilling To Get Away" for a smokin' good time on your grilling journey. It's time to ignite your grilling passion and become a BBQ aficionado!

There’s nothing in the night sky quite like the Pleiades. The star cluster forms a tiny dipper. Depending on sky conditions and the viewer’s eyesight, anywhere from a half dozen to a dozen stars or more are visible to the naked eye. Its unique visage has made the Pleiades one of the most important sky objects in many cultures. The people of the Andes timed the start of the harvest season to its first appearance in the dawn sky. The Aztec year began at about the same time. In Hawaii, the Pleiades was known as Makali’i. And the year began when Makali’i first appeared in the evening twilight – the middle of November. The year, the new year, and a festival period shared a name: Makahiki. The customs varied from island to island. But they had a lot in common. The celebration lasted for several months. Warfare and most work were banned. Instead, people danced, feasted, played sports, and reconnected with family and friends. And they made offerings to Lono, a god of agriculture, music, and peace. The Pleiades is just climbing into the evening twilight, in the east-northeast, across Hawaii and most of the rest of the country. In some Hawaiian traditions, Makahiki doesn’t begin until the first appearance of the crescent Moon in the west after the Pleiades returns. That’s coming up on the 21st – the start of the new year and the celebration that honors it. Hau’oli makahiki hou! – Happy New Year! Script by Damond Benningfield

Jeremiah 17:5–10

Autumn has a way of stirring change—new rhythms, new challenges, and sometimes, new wounds. Whether you’re navigating loss, transition, or a season that feels heavier than you expected, Isaiah 41:10 offers a grounding truth: God upholds you with His righteous right hand. Even when change feels overwhelming, His presence remains steady, strong, and unchanging. Highlights Seasons shift, but God’s presence stays constant and close. Painful change—loss, transition, uncertainty—can become part of a redeemed story in God’s hands. Isaiah 41:10 reminds us that God strengthens, helps, and upholds us. God goes before us and delights in us, offering peace in the midst of upheaval. Change doesn’t get the final word—God does. Leaning into Scripture and prayer can anchor your heart during difficult transitions. His love brings the hope needed to face whatever lies ahead. Gift Inspiration: Crosswalk's Holiday Gift Guide Looking for a meaningful way to celebrate the season? Check out our Holiday Gift Guide—from beautifully illustrated Bibles and devotionals to novels, greeting cards, and picture books, there’s something for everyone on your list. Wrap up stories for loved ones, tuck a book into your own nightstand, and join us in celebrating the wonder of giving this Christmas! Full Transcript Below: Embracing Change This AutumnBy Vivian Bricker Bible Reading:“So do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous right hand.” - Isaiah 41:10 Throughout the seasons, we face various changes. Depending on your own individual experiences, some seasons hold more changes than others. When I was a kid, autumn was a major season of change because it was when I started school, had to figure out my class schedules, and tried to make new friends. I remember this caused me immense anxiety. I had to switch to an entirely new school when I entered middle school, and I didn't know anyone there. My sixth-grade year held a few massive changes that ultimately brought a lot of pain into my life. Due to bullying, my mom had to take me out of public school and started homeschooling me with my sisters for the following school year. Seasons of change come and go in our lives. Maybe this autumn happens to be a big season of change for you. Changes aren’t always bad, but it’s the tough ones that seem to leave the biggest marks on our lives. Perhaps you’ve lost a loved one, walked away from a marriage, or lost a job. Bring any of these pains and set them at the foot of the cross. Allow Jesus to transform these painful changes into part of your story; one where He is changing ashes to beauty. Intersecting Faith & Life: God tells us, “So do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous right hand” (Isaiah 41:10). As God says in this passage, He is with us, He will strengthen us, help us, and uphold us with His righteous right hand. Regardless of the changes that are going on this autumn, He is still with you, and He will keep your heart steady. Some changes can feel unbearable, but they can become manageable when we know the Lord is with us. God goes before us, regardless of the storm we are facing. He takes great delight in us and rejoices over us with singing (Zephaniah 3:17). This can give us the strength that we need to face what is ahead. Turn to Him today and let His love give you the hope you need. The change you are facing may feel overwhelming, but it does not get the final word. God has already defeated all things. Whether this autumn brings much change or not, we know God is with us always, to the very end of the age (Matthew 28:20). May we all lift His Name in praise and worship today. Change can be hard. What are some changes you have had to go through in previous seasons? Did these changes impart any lasting lessons? What are some ways you can be reminded of God’s love and strength this autumn? Try a daily Bible study or prayer journal that can help you stay focused on His unchanging love. Further Reading: Matthew 1:23 Romans 8:31 Psalm 23:1-6 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Tom is 74 today, which normally would call for cake. Alas, the quest for pound droppage takes priority. But that's okay. You don't need cake to enjoy your birthday. Movies about evil extradimensional entities and tentacle-faced monsters who want to kill you are just as enjoyable. Depending on who you are, of course.On the show:The familyKristyn BurttTim LammersTopics covered:Tom's birthdayFavorite birthday cakeAIPredator: BadlandsIT: Welcome to DerrySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Presented by Julie Busteed Are there people in your life you find difficult to get along with or really understand? I am examining biblical strategies to help grow and build healthy relationships, and communication is a key tool. A verse you might be familiar with is everyone should be quick to listen, slow to speak and slow to become angry (James 1:19b). Honestly if we all practiced that, I think there would be much less miscommunication. Let's break this down. What does it mean to be quick to listen? Studies show good communication is essential for organizations. Marjorie North—a communications expert—says we only hear half of what is being said in any given conversation. It's true, isn't it? I can be distracted by something outside the conversation, or I can begin to form a response to something the person said. No matter what distracts me, I struggle to listen. You and I need to practice active listening. And I mean practice; it will take a lot of practice. Put the distractions away—and by this, I mean your phone! Give the person your full attention. I know someone who is so good at this. I can tell when I am speaking to him I have his full attention. It's a great thing to be heard—really heard. Some other ways to be quick to listen is to repeat back what you believe you heard the person saying. And if you don't understand something, ask clarifying questions. Try not to interrupt them. What does it mean to be slow to speak? I think we need to be careful and thoughtful. Examine your words before you say them. Depending on what the conversation is, you might even need some time to think before responding. Do you see someone who speaks in haste? There is more hope for a fool than for them (Proverbs 29:20). Those who guard their lips preserve their lives, but those who speak rashly will come to ruin (Proverbs 13:3). James also goes on to talk about our tongues—what we say and how our words can bless or curse others. He compares our tongue to the bit that steers a horse or the rudder that guides a ship. What comes out of your mouth can not only corrupt your whole body but others as well. The Psalmist prays to set a guard over my mouth, Lord; keep watch over the door of my lips (Psalm 141:3). And the Apostle Paul encourages the Ephesians to not let any unwholesome talk come out of your mouths, but only what is helpful for building others up according to their needs, that it may benefit those who listen (Ephesians 4:29). Good communication in relationships is necessary. It's a skill you and I can practice and improve, but we need to be mindful and intentional.

Cancer prevention starts with the diet. Depending on what you eat, you're either starving cancer or feeding it! Discover the best cancer prevention diet and my expert tips to prevent cancer and support the immune system. Download this FREE guide for the 5 diet strategies for cancer care: https://drbrg.co/4om43oQ0:00 Introduction: The best cancer prevention diet 1:26 Cancer explained2:39 Cancer and your immune system3:30 Starving cancer5:45 Cancer prevention tips 6:39 The best cancer diet11:13 Healthy eating for cancer prevention12:36 Starving cancer with fasting13:27 More cancer prevention tipsTrillions of dollars are spent on cancer research, yet the mortality rates haven't changed in decades. Cancer is a heterogeneous disease, which means there are many different types. Understanding how cancer works is key to cancer prevention. Cancer tends to spread to areas of inflammation and to regions in the body where oxygen is scarce.Cancer is constantly evading your immune system! Vitamin D is essential for the health and proper functioning of your immune system. Cancer cells tend to block the receptors for vitamin D to combat this. It's beneficial to increase your vitamin D levels to penetrate the resistance created by cancer.Understanding which fuel a specific cancer uses is key to starving cancer. The majority of cancers utilize glucose and glutamine as their primary sources of fuel. Some cancers live on lipids and BCAAs, and some can even live on ketones! Cancer is highly adaptive, so effective cancer prevention requires multiple strategies, including diet rotation and intermittent fasting.Different types of cancer require the removal of different foods from the diet. Rotating the diet and removing the fuel that a specific type of cancer needs to survive prevents cancer from growing and taking over. Healthy Keto paired with intermittent fasting is the best diet for cancer prevention. Prolonged fasting is one of the best things you can do if you have cancer. Although some cancers can survive on ketones, ketones from fasting do not feed cancer cells. To prevent cancer and support the immune system, keep your blood levels of vitamin D at around 90-100 ng/mL. Incorporate regular exercise and prioritize both intermittent and prolonged fasting.Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the Director of Dr. Berg Nutritionals and author of the best-selling book The Healthy Keto Plan. He no longer practices, but focuses on health education through social media.Disclaimer: Dr. Eric Berg received his Doctor of Chiropractic degree from Palmer College of Chiropractic in 1988. His use of “doctor” or “Dr.” in relation to himself solely refers to that degree. Dr. Berg is a licensed chiropractor in Virginia, California, and Louisiana, but he no longer practices chiropractic in any state and does not see patients, so he can focus on educating people as a full-time activity, yet he maintains an active license. This video is for general informational purposes only. It should not be used to self-diagnose, and it is not a substitute for a medical exam, cure, treatment, diagnosis, prescription, or recommendation. It does not create a doctor-patient relationship between Dr. Berg and you. You should not make any change in your health regimen or diet before first consulting a physician and obtaining a medical exam, diagnosis, and recommendation. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition.