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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...

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.

Stocks have found their footing after a recent period of softness, and that strength could continue through 2026, says Markus Müller, the Private Bank's head of the CIO office and Chief Investment Officer for Sustainability. “Positive year-end seasonality could still be offset by a temporary return of worries around AI market concentration, and also US labour market softness”, Markus says. “But looking across a 12-month horizon, the market is still positive.”Markus was also present at COP30, the latest UN conference on climate change, and he said the developments there were important for investors. “The lack of consensus on a fossil fuels phase-out means continued volatility in oil and gas”, Markus says, adding that changes will reverberate far beyond the energy sector. “It's not just about the climate, but shaping industrial strategy, trade competitiveness, and capital allocation.”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

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.

The Private Bank's Chief Investment Office just held its quarterly “CIO Day” gathering to set its 12-month forecasts, and it included some interesting shifts to its outlook, says Deepak Puri, the Private Bank's Chief Investment Officer for the Americas. “The key takeaway is that the worst of the trade war is behind us as we enter 2026,” Deepak says, adding that recent market volatility has not changed its views on AI: “We still believe the AI dominance will continue and have a very positive tailwind from the earnings side for 2026. So we upgraded our S&P target.” Central banks were naturally part of the discussion, and Deepak pointed to sharp divisions at the Federal Reserve over the course of monetary policy in the coming months. “We now expect three rate cuts from now till the year end of 2026,” Deepak said, while the European Central Bank is not expected to cut at all, and the Bank of Japan is forecast to raise rates twice.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

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!

Losing a loved one has a wide-ranging impact on a person. Depending on how big a role that person played in your life it can drastically change how your day-to-day looks without them there. Additionally, it can also change how you interact with other people around you, including your own family. On this episode of Changing Lives, we're going to go over how to grieve the loss of a loved one as a family.Written by: Lee McConnellSources:When a Family GrievesUsing Communication to Cope with Loss - National Communication AssociationSupport the showListen on 91x FMYou can listen to episodes of "Changing Lives" on 91x FM each Monday (except for holidays) at 9:05am. Hospice Quinte is grateful to the support that 91x FM provides in producing the "Changing Lives" podcast.About Hospice QuinteHospice Quinte provides individuals, their families, and caregivers with compassionate end of life care, by attending to their physical, psychosocial, and practical needs, and offering empathetic care to those who are grieving through visiting hospice services and support groups. All Hospice Quinte programs and services are provided by compassionate, well-trained volunteers and staff at no charge to the individual or their family. Hospice Quinte serves a population of over 102,000 in Quinte West, Belleville, Deseronto, Tyendinaga Township and the Tyendinaga Mohawk Territory. To find out more visit HospiceQuinte.ca.

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.

This week, Kris Chayer will be discussing what it means to trust, rely, and fully depend on The Holy Spirit in our day to day lives, with his message entitled “Who Are You Depending On?”We are so blessed you're joining us for this message.LIKE, SUBSCRIBE, and SHARE!

Do you know exactly how vertical ventilation works?Depending on your level of experience, you may think you do, but you still might not have a really solid understanding of why it works. Simply cutting a random 4x4-foot hole in the roof won't do the job in all cases.My guest today has a good deal of experience as a firefighter, but he admits that, until he saw a live fire test, he misunderstood how cutting a hole in the roof affects the fire.We'll talk about that, as well as when it's the best time to vent the roof, how dangerous it is to work up there, how handlines can be used to move air and smoke with it, and how much training firefighters need to remain proficient in roof operations.Nicholas Papa is a 17-year veteran of the New Britain, Connecticut, Fire Department, where he's a captain. He became a firefighter in 2003, volunteering for a neighboring suburb until he was hired by New Britain. He is the author of the book Coordinating Ventilation: Supporting Extinguishment & Survivability.

Hey, Scuttlebutt listeners. Thank you joining us and your continued support. This week, we're Catching Up with Old Friends and hanging out with Brian O'Hare again. Depending on your definition The post #217: CUWOF with Brian O'Hare first appeared on Marine Corps Association.

Hey, Scuttlebutt listeners. Thank you joining us and your continued support. This week, we're Catching Up with Old Friends and hanging out with Brian O'Hare again. Depending on your definition The post #217: CUWOF with Brian O'Hare first appeared on Marine Corps Association.

The story of a renovation at the White House and the planned creation of a big ballroom is the perfect example of how media failures have left people in the dark. Depending on someone's media bubble, they've either heard that Trump launched a destructive, crazy expensive vanity project that might even be illegal, or that it's just a long awaited change and the left is freaking freaking out about nothing. Today, Josh pieces through the mess to get you the facts. Also, news organizations generally play up a candidate's past offensive remarks and actions -- but not when it comes to antisemitism on the left. Then the mainstream media isn't interested. And if other people make it a story, the media frames the candidate as a victim. Josh provides proof involving New York City mayoral frontrunner Zohran Mamdani, who expressed his love for convicted funders of terrorism and praised an imam with ties to radical Islam. Plus, a student leader who celebrated Charlie Kirk's assassination might actually face a consequence despite the media's effort to run cover for him.

Depending on your background. It may be hard to see God as a father. Perhaps your earthly father was a poor reflection of what God designed them to be, or maybe they just weren't there at all. Many believers struggle to see themselves from God's perspective. Yes, He hates sin and the destruction it brings, but He dearly loves His creation. You are His creation. As Pastor Malcolm will remind us today. God is ready and waiting, anxious to hold you with pride, compassion, and kindness in His eyes.

Depending on your background. It may be hard to see God as a father. Perhaps your earthly father was a poor reflection of what God designed them to be, or maybe they just weren't there at all. Many believers struggle to see themselves from God's perspective. Yes, He hates sin and the destruction it brings, but He dearly loves His creation. You are His creation. As Pastor Malcolm will remind us today. God is ready and waiting, anxious to hold you with pride, compassion, and kindness in His eyes.

Sext Roulette is when you randomly text your significant other a playful, somewhat sexual phrase. Depending on their response, you may be having an interesting afternoon.

The Break Room (TUESDAY 10/28/25) 8am Hour 1) We have a parking problem... Depending on who you ask 2) Pumpkin smashers 3) Paid big money to take your stuff and go

Depending on where you live, if you've ever driven a snowy mountain road or parked your car after a winter storm, you've probably seen that familiar crust of salt left behind. It's easy to think of road salt as just another part of winter, and a simple fix for icy conditions. But that same salt, once it washes off our roads, has a far-reaching impact on the water we drink and the lakes or streams that we love.Across the Northeast and beyond, road salt has become a threat to freshwater ecosystems. It seeps into wells and disrupts aquatic life. In New York State, scientists are warning that the overuse of salt could be creating “thousands of mini-Flints,” a public health crisis unfolding one winter at a time.Today, we're joined by Dr. Brendan Wiltse, Executive Director of the Lake George Association, the nation's first lake conservation organization, founded in 1885. The LGA has been leading efforts to protect Lake George, known as the “Queen of American Lakes,” through science and community collaboration. Dr. Wiltse's decades of research in aquatic ecology and his leadership at the LGA shed light on how salt pollution, climate change, and infrastructure are interconnected, and what we can all do to protect our clean water.Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/outdoor.minimalist.book/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.theoutdoorminimalist.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@theoutdoorminimalistBuy Me a Coffee: ⁠⁠⁠https://buymeacoffee.com/outdoorminimalist⁠⁠⁠Listener Survey: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/jd8UCN2LL3AQst976⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠------------------Lake George Association Website: https://lakegeorgeassociation.org/Instagram: https://www.instagram.com/lakegeorgeassociation/Facebook: https://www.facebook.com/LakeGeorgeAssociationYouTube: https://www.youtube.com/user/LakeGeorgeAssoc

When I introduce leaders to the Fulfilling Performance framework with its four Diagnostic Questions, they invariably appreciate its simplicity. They find Step 1 relatively easy. This is the part where we use the four questions to identify the most likely sources of unseen friction or handbrakes as we call them. I covered Step 1 in last week's Side Mirror episode where I explained how Fulfilling Performance is a simple tool we can use to act on engagement every single day. Step 2 is to consider options, decide on an action and create a plan to release the handbrake. Depending on the nature of the handbrake, Step 2 can be more complex and less straightforward. The options at your disposal and the quality of your plan will vary according to your level of leadership capability, experience and authority.When we get to Step 2 in our workshops, leaders often ask me to share handbrakes that I or previous participants have identified with examples of how they released them.So in this episode, I want to share four stories from my own career—each one showing a handbrake in action, linked to one of the Four Fundamentals: Clarity, Capability, Culture, and Purpose.They're real examples of what happens when a Fundamental is lacking—and what could have been done to release the friction.About AndyI'm a business leader, coach, and the creator of the Fulfilling Performance framework—a simple, practical way to help leaders cut through silos, get people pulling in the same direction, and build ownership and accountability, so organisations perform better and their people thrive.Over the past 25+ years, I've led and developed businesses including Alphabet UK, BMW Financial Services in the UK, Singapore, and New Zealand, and Tesla Financial Services UK. Alongside this, I've coached individuals and delivered leadership programmes in 17 countries across Asia, Europe, and North America.In 2016, I founded Aquilae (The Fulfilling Performance Company) to support CEOs and senior leaders in the mobility sector and beyond. Through workshops, peer mentoring, and coaching, we help reduce the unseen friction that drags on performance — and create teams where people deliver, grow, and work constructively together.I'm also the host of CAREER-VIEW MIRROR, where I share the life and career journeys of key players in the automotive and mobility world to surface insights leaders can apply in their own context.Learn more about Fulfilling PerformanceCheck out Release the Handbrake! The Fulfilling Performance HubConnect with AndyLinkedIn: Andy FollowsEmail: cvm@aquilae.co.ukJoin a peer mentoring team: Aquilae AcademyThank you to our sponsors:ASKE ConsultingEmail: hello@askeconsulting.co.ukAquilaeEmail: cvm@aquilae.co.ukEpisode Directory on Instagram @careerviewmirror  If you enjoy listening to our guests career stories, please follow CAREER-VIEW MIRROR in your podcast app. Episode recorded on 21 October, 2025.

The Saved & Mammon – Faithfulness in Earthly Wealth.We were reminded that faith doesn't excuse irresponsibility. God calls us to be both spiritual and sensible — prayerful yet productive.If you keep holding on to God's Word without seeing results, you may be violating His principles. Grace doesn't cancel diligence; it empowers it.Here are some key points from the sermon:

 Making his way across the country on Route 66, Don Crost is bringing the importance of Shelter Box to the world. ShelterBoxes include family-size tents, though the contents differ depending on the disaster and climate. Many are packed with solar lights, water storage and purification equipment, thermal blankets, and cooking utensils. Depending on need, the organization may deliver ShelterKits, smaller aid packages that include tools, ropes, and heavy tarpaulins used to provide emergency shelter and repair damaged structures.  Don is raising money as well as awareness to helping those who have been devastated by a catatrophy. The direct for ShelterBox donation and link: https://shelterboxusa.org/blog/2500-miles-for-25-years

"God loves you and wants you to receive and depend on that love." This week's “mini retreat in a podcast" features Fr. Jon Meyer, Chaplain of Mamas in Spirit. Fr. Jon joins host Lindy Wynne to discuss the profound theme of poverty of spirit, highlighting the importance of relying on God. Tune in as they share personal stories, discuss the challenges of modern distractions, and highlight the beauty of surrendering to God's will.  Through heartfelt stories and reflections, Fr. Jon and Lindy emphasize that genuine fulfillment stems from recognizing our identity in God and embracing the call to love and serve others. Learn ways to deepen your dependence on God. Live and love with greater freedom and fullness!

Forgiveness is one of the hardest commands God gives us—and yet it's one of the most freeing. In this episode, I sit down with Bible teacher and author Yana Jenay Conner to talk about what it really means to forgive God's way.Together, we unpack why forgiveness isn't the same as forgetting and how to process deep hurt without minimizing it.This conversation is honest, compassionate, and rooted in Scripture. Whether you're struggling to forgive someone who hurt you or desire to know what the Scripture really says about forgiveness, Yana's wisdom will help you see forgiveness through God's eyes and find the healing your heart needs.

On today's show we are talking about cutting corners in quality assurance. We are all extremely busy. That's certainly true for me. My average day consists of 5-6 hours of scheduled appointments. Against that backdrop, it's difficult to get anything done that requires focus time. So when you're too busy, there are tempting shortcuts. These include delegating tasks to other people in the organization, and sometimes taking advantage of tools like artificial intelligence to save time in the review process. When I was in the world of tech product development, we used to attach a cost to a defect making its way into a product. Depending on when the defect was detected, the cost could be higher or lower. A defect uncovered early in the design phase was nearly free. There was almost no cost to that defect. If a defect made its way out into the field and ultimately resulted in an outage of the telecom network, the cost of that defect was massive. The earlier in the process a defect is uncovered, the lower the cost and the later in the process, the higher the cost. Not surprisingly, nearly 40% of the investment in the product development was actually spent on quality assurance. That sounds like a high percentage and it is. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

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.

Depending on whom you ask, Halloween is either a day with Christian roots…or a gateway to the demonic. So which is it? It's important for pro-lifers to get this right. If we dabble in the demonic, not only do we endanger our souls, but we also won't be able to fight the evil of abortion. On this episode of The 40 Days for Life Podcast, we take a look at the origins of Halloween, how it became a celebration of the grotesque and macabre, and whether it can be redeemed.

In a culture where all businesses seem to be obsessed with scaling, it's time to discuss the pitfalls and downsides to doing so. Depending on your goals and desires, scaling might make you feel burned out, disconnected, and wondering why you started your business in the first place. In today's episode, I break down which businesses should and shouldn't focus on scaling and things to watch out for when you do.    Chapters 00:28 - Obsession with scaling 03:07 - Scaling ≠ success 08:05 - Personal pitfalls 19:04 - Scaling isn't a good fit if… 30:52 - Scaling is perfect for those… 36:06 - Customer issues 40:31 - Making the right decision for you   Ready to go all in on your business next year? If you'd like my strategic support plus access to a “board of advisors” to help you bring your business vision to life, apply now for one of the last remaining spots in the 2026 All In Mastermind at http://www.HeatherJoyoHubbard.com/Mastermind Follow me on Instagram at http://www.instagram.com/HeatherJoyHubbard

Become a Spiritual Mentor!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today's transcript⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We depend on donations from exceptional listeners like you. To donate, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Daily Rosary Meditations is now an app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here for more info.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To find out more about The Movement and enroll: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.schooloffaith.com/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prayer requests⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe by email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Download our app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Donate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The number one reason women come to me for guidance during the perimenopause transition is brain-related.  So in this episode, we dive into why perimenopause directly impacts your mental and emotional health. Many women in midlife experience emotionally connected symptoms like rage, irritability, low stress tolerance, mood swings, depression, and anxiety.  That's because perimenopause isn't just a reproductive transition — it's a neuroendocrine one, meaning your brain and hormones are deeply intertwined.  As hormones fluctuate wildly, it's no wonder you may feel like you don't even recognize yourself anymore.  But you're not alone — millions of women are feeling the same!  Tune in here and learn what's really going on in your brain during this transition. IN THIS EPISODE How hormone changes in midlife affect our brain  The variability around perimenopause and how it impacts people at different ages, with a multitude of symptoms  How to level up during perimenopause and menopause  About my Perimenopause Solution Event  Raising awareness for ALL women about midlife health  QUOTES “Eight of the 10 most common symptoms during this [perimenopause] transition are going to be neurological.” “It can feel so scary to experience these symptoms without understanding why they're happening, and that's why we need to address why women aren't feeling like themselves in perimenopause. I've said it before, and I will say it again– perimenopause deserves our undivided attention. And this is why I wrote the Perimenopause Revolution.” “Depending on how we take care of our bodies during perimenopause, it can really determine how our bodies thrive. In menopause and beyond.” RESOURCES MENTIONED Claim your FREE pass to The Perimenopause Solution event HERE!  https://hayh.site/pr_bl_ap-snyder_a_snyder Order my new book: The Perimenopause Revolution https://peri-revolution.com/ RELATED EPISODES  686: Your Second Puberty Explained: What's Really Happening to Your Body in Perimenopause  668: Your Brain on Perimenopause: The Hidden Neurological Transition No One Warns You About 683: Aging in Reverse: How Women Over 40 Can Boost Energy, Lose Weight & Rewrite Their Story with Natalie Jill 678: How to Turn Perimenopause Into Your Metabolic Window of Opportunity + My Simple Daily Protocol To Feel Amazing

Merriam-Webster's Word of the Day for October 11, 2025 is: languid • LANG-gwid • adjective Something described as languid shows or has very little energy, force, or activity. // We paddled at a languid pace, in no hurry to arrive at our picnic destination. See the entry > Examples: “The flat once belonged to 19th-century French writer George Sand, and is now a handsome apartment with sleek decor and elevated amenities that will make it easy to enjoy languid afternoons sipping on a glass of wine and perusing the owner's extensive literary collection.” — Elise Taylor, Nicole Kliest, and Elly Leavitt, Vogue, 8 Aug. 2025 Did you know? Lack, lack, lack. Languid is all about lack. Depending on its context, the word can suggest a lack of strength or force, a lack of energy, or a lack of activity. The lack-of-strength/force sense of languid describes the kind of sluggishness that often results from fatigue or weakness, as in “the illness left her feeling languid.” The lack-of-energy sense is synonymous with listless, and often describes someone's character or disposition as a result of dissatisfaction or sadness. Lastly, there's the lack-of-activity sense of languid, as in “investors are worried about the languid stock market.” So languid is a total bummer, right? Not so (ahem) fast! Sometimes it's a good thing to dillydally, and languid has also long been used to describe stretches of time—think afternoons, days, summers, etc.—that are relatively and perhaps pleasantly chill.

The Context of White Supremacy hosts the weekly summit on Neutralizing Workplace Racism 10/09/25. The US government "shutdown" continues with no end in site. Airports across the continent report that large numbers of air traffic controllers, a group that was already dangerous understaffed, have been calling out sick. These are "essential employees" and federal workers, but, apparently, the lack of a paycheck has compelled some employees to save gas and remain unpaid at their residence as opposed to landing planes for free. President Trump then threatened that furloughed employees may not receive back pay for the time they were not compensated during the "shutdown." Depending on how long this stoppage lasts, this could amount to thousands of dollars lost per employee. So much for the stability of "government employment." Gus suspects this gridlock could continue into November and beyond. Non-white people should prepare accordingly. #NoPoliticsOnTheJob #INVEST in The COWS - http://paypal.me/TheCOWS Cash App: http://cash.app/$TheCOWS Call: 720.716.7300 Code: 564943#

WhoStephanie Cox, CEO of the National Ski PatrolRecorded onJune 3, 2025About National Ski PatrolFrom the organization's website:The National Ski Patrol is a federally-chartered 501(c)(3) nonprofit membership association. As the leading authority of on-mountain safety, the NSP is dedicated to serving the outdoor recreation industry by providing education and accreditation to emergency care and safety service providers.With a primary focus on education and training, the organization includes more than 30,000 members [Cox says 32,000 on the pod] serving 650 patrols in the U.S., Canada, Europe and Asia. Our members work on behalf of local ski/snowboard areas and bike parks to improve the overall experience for outdoor recreationalists. Members include ski and bike patrollers, mountain and bike hosts, alumni, associates, and physician partners.The National Ski Patrol operates as a 501(c)(3) nonprofit organization, deriving its primary financial support from membership dues, donations, user fees, and corporate sponsorships. …The national office is located in Lakewood, Colorado, and is staffed with full-time employees that handle administrative duties.Why I interviewed herThe Storm focuses unapologetically on the lift-served variety of skiing. I'll often reinforce that point by teasing Uphill Bro for skiing in the wrong direction or making fun of myself for being a lazy U.S. American happy to ride a machine up the mountain. That, mostly, is a shtick to express my preference for an ordered ski experience over the wild variety. Acres of glades twisting down the mountainside – yes, please. But I'll also take that groomed run-out back to the six-pack. This all-you-can-eat variety of skiing feeds the adrenaline monster, stows energy for the bristling explosive down. The fun part. But my hyperbolic preference for the down is also a sort-of cover-up. Because what really glues me to the trail-labeled and lift-laced bumps is that gigantic and ever-present panic button floating alongside me: ski patrol.Oh I just ran into a tree? Well that's inconvenient because now I can't remember how to speak English or why I have eight empty Miller Lite cans in my backpack. But no need to fret. Within five minutes a corps of uniformed professionals specifically trained in the idiosyncratic art of piloting an injured moron down an ungroomed hillside on an eight-foot-long sled will materialize with crackling radios and stabilize me. It's kind of amazing. Like who thought of this? I guess the same person who came up with lifeguards at the beach. When a squirrel misses its branch and falls 75 feet to the forest floor there is no Squirrel 911. Just a variety of bobcats and coyotes who are about to find an easy dinner. Humans are quite amazing animals in this way, setting up systems both highly effective and borderline invisible that grant us wide margins of error to in most cases survive even catastrophic misjudgments.Depending on your view of human nature, the existence of ski patrol is either the most or least predictable miracle layer of organized commercial ski centers. The cynical may interpret this network of makeshift shacks and their occupants as liability shields, a legal hey-we-tried taskforce vaguely taming the chaos inherent in an impossible and awkward activity. But a more generous interpretation might view ski patrol as the most benevolent component of a ski area, the only piece not intended to generate income, an acknowledgement that any one of us, on even the gentlest slope, could in an instant need someone who knows exactly what to do.I prefer that latter interpretation, but the truth is of course a complex blend of the cynical and the generous viewpoints, interlaced with a million other factors. We are all vaguely aware of this, which doesn't mean we can explain it. I mean, why is ski patrol at every ski area? The question is both simplistic and baffling. Well of course there's ski patrol because there always is. OK. But shouldn't there be some live-free-or-die exception in the rowdy ski world of backwoods trails axe-cut by misanthropic good ole' boys putting two middle fingers to society's nine-to-five, collared-shirt expectations? Like “hey man, look at the waiver, if you break your leg it's not my goddamned problem.” But there they are, anyplace there's a ski lift, wearing that same plus-symbol uniform, enforcing that same yellow-signed skier code, blanketed with that same aura of stoic unsurprise and readiness: ski patrol. Is this omnipresence simply custom and tradition? State or federal law? Insurance requirement? Do patrollers work for the ski area or for some agency or entity? An imposition like restaurant food inspectors? Enforcers like a city's police department? Attendants like stadium ushers? It's hard to say without asking, so I asked.What we talked aboutTouring ski patrols across America; #SkiVirginia; Ski Patrol's philosophical evolution over time; patrol saving my butt in Maine; how NSP ensures that patrollers are prepared to deal with the worst injuries at even the smallest ski areas; evolving and adapting over time; “this organization is by and large run by volunteers”; Avy dogs; why ski patrol is everywhere; organizational history; the relationship between NSP and individual ski areas; who funds NSP; paid versus volunteer patrollers; “one of my big goals for the organization is to make sure that all patrols fall under the NSP shield”; a couple of major ski area patrols that are not part of NSP; the general public “is not going to notice the difference” between a paid and volunteer patroller; where most of the paid patrollers work, and why; the amazing number of years the average volunteer patroller commits to the work; the rising cost of living in mountain towns; why NSP does not involve itself in pay or benefits conversations between patrollers and resorts; staying neutral on unionization drives; what it means to modernize NSP; and applying tech to help police on-mountain collisions.What I got wrong* I referenced a recent snowless winter at Wintergreen, Virginia, and said it was “in 21/22 or 22/23.” It was the winter of 2022-23, which, according to Snow Brains, was the ski area's third snowless winter in a decade, after the 2016-17 and 2018-19 campaigns.* At one point in our conversation, I mentioned “voluntary volunteers.” Which I don't know Man talking is hard I guess.Why now was a good time for this interviewI'd initially reached out to Cox as a follow-up to my podcast conversation with United Mountain Workers union President Max Magill, conducted in the wake of the December-to-January Park City patrol strike that leveled the ski area and sent owner Vail Resorts spiraling:National Ski Patrol, it turns out, has no involvement in or position on unionization. That was a bit of a record scratch but also clarifying: patrol union drives, at least for now, lack a national sponsor that could propel the movement to critical mass. Still, it seemed odd that a national organization's most visible umbrella would stand neutral on the trajectory of a tectonic movement flexing against consolidating, ever-more-distant management and escalating mountain-town affordability crises. So we talked about it a bit anyway.What I've learned, 212 episodes into The Storm, is that organizations and entities are rarely – maybe never – what you expect them or want them to be. In episode 11, recorded in January 2020, just a few months after The Storm's launch, I asked Win Smith, then National Ski Areas Association board chair and onetime owner of Sugarbush, the now very-innocent-seeming question of what the organization was doing to subsidize small or independent ski areas. Smith patiently explained that the NSAA was a trade organization, not a charity (I'm paraphrasing), and that their mission was education, lobbying, and helping to establish uniform operating standards and best practices, not a U.N.-style stabilizing force money-cannoning resources where necessary. I get that now, and have developed, through extensive interaction with the group, a deep appreciation for what the NSAA is and does, even if it is not the thing 2020 Stu thought it was or should be.I guess that's the point of The Storm Skiing Podcast: a dumb guy asking dumb questions like “so when are you going to build a gondola over Interstate 90 to connect Alpental to the rest of Summit at Snoqualmie?” and letting the nice smart people say “well wouldn't that be nice but we have other priorities,” when they mean, “sure let me pull $100 million out of my back pocket to build a more-or-less useless lift that would also spark two decades of environmental litigation and has as much chance of clearing airspace over a federal road as a Russian stealth bomber.” Luckily I don't mind asking dumb questions. They emerge from an impulse to sort reality from fiction, to tell the story of modern lift-served skiing by tapping the brains who understand some little corner of it. Podcast NotesOn recent Ski Patrol leadershipThis could maybe go under the sometimes-included “questions I wish I'd asked” section, but really I don't wish I'd asked about it, as I have inherently little interest in organizational human drama, or the appearance of such. In this case, that maybe-drama is the rapid recent turnover in NSP leadership, aptly described by Jason Blevins last year in The Colorado Sun:The former executive director of the nonprofit World Child Cancer heath organization arrived at the National Ski Patrol two years ago, becoming the fourth director of the organization in only five years. The former bosses reported conflicts with the group's member-elected board of directors. An online petition was calling for an overhaul of the venerable organization that formed in 1938. Staff were bailing after years of turmoil that included board members twice suing their own organization. The group was losing its relevance in a quickly shifting ski resort industry.Cox landed with a plan. She started visiting ski patrols across the country. She shepherded an overhaul of the organization's training programs. She enlisted staff and kept them onboard. She mended fences with her board.Whatever happened before, Cox just hit her third anniversary with the organization, and I was mostly interested in her efforts to modernize the 87-year-old NSP.On skier visit numbers nationally and in ColoradoColorado annually accounts for nearly one in four U.S. skier visits. Here's the breakdown from last winter, according to the Kotke end-of-year survey, the definitive statistical ski industry report published annually by the NSAA:On breaking my leg at Black Mountain of MaineMost of you are tired of hearing about this, but if you're new here, this is my big ski-patrol-saves-my-ass story:On federal chartersAn important piece of the NSP why-does-it-exist puzzle is its status, since 1980, as a federally chartered nonprofit organization. Congress charters such organizations “to carry out some regional or national public purpose,” according to a 2022 report on congress.gov. As with just about anything, a comprehensive list is frustratingly difficult to find (that's why I moonlight as ski area spreadsheet mad scientist), but federally chartered organizations include such vaunted entities as the American Red Cross, the Boy and Girl Scouts of America, and Disabled American Veterans. Here's a probably-not-entirely-accurate list on Wikipedia, and a government list from 1994.On “14 patrols unionizing across the west”Here's a list I compiled of unionized ski area groups back in January. I haven't updated it, so there may be a few additions since:On Snow AngelsThis is a pretty good gut-check conversation for the Speed Gods among us:On Wachusett's anti-theft systemSki theft sucks, and some ski areas are better at fighting it than others. One of the best I'm aware of is Wachusett, Massachusetts, which has installed a comprehensive system of ski-rack-to-parking-lot cameras that has reduced thieves' success rate to near zero. “A lot of times, the police will be waiting for them when they get home with the stolen board,” longtime Wachusett President Jeff Crowley told me on a 2022 visit to the ski area.The Storm explores the world of lift-served skiing all year long. Join us. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

Today we get to hear from Shai and Blair Linne on the topic of depending on God and how God has met them in the various difficult aspects of their story. We pray that this episode encourages you to see the Lord's kindness in showing you your own need for him in whatever he is walking you through today. ⁠⁠⁠FULL SHOW NOTES⁠⁠⁠ journeywomen.org/episode/depending-on-god DISCUSSION QUESTIONS Have you or has anyone you know ever experienced anxiety? What has that been like to walk through? How has God's love met you personally in the darkest places of your own story? How have your struggles been the very means that God has used to show you more of himself? What from this episode has helped you to see ways that you might come alongside a brother or sister in their struggles? What might you do or implement based on what you learned in this week's episode? FOR MORE ⁠Give⁠⁠⁠⁠ to Journeywomen Ministries: Journeywomen.org/give  Listen on⁠⁠⁠⁠ Apple Podcasts⁠⁠⁠⁠ |⁠⁠⁠ ⁠Android⁠⁠⁠⁠ |⁠⁠⁠⁠ Spotify⁠⁠⁠⁠ Follow Us:⁠⁠⁠ ⁠Instagram⁠⁠⁠⁠ |⁠⁠⁠ ⁠Facebook⁠⁠⁠⁠ Leave a rating & review⁠⁠⁠⁠ Interviews do not imply Journeywomen's endorsement of all writings and positions of the interviewee or any other resources mentioned.  On the Journeywomen podcast, we'll help you know and love God through his Word, find your hope in the gospel, and invest deeply in your local church as you go out on mission for the glory of God.