Podcasts about DNA

Meet my friends, Clay Travis and Buck Sexton! If you love Verdict, the Clay Travis and Buck Sexton Show might also be in your audio wheelhouse. Politics, news analysis, and some pop culture and comedy thrown in too. Here’s a sample episode recapping four takeaways. Give the guys a listen and then follow and subscribe wherever you get your podcasts. Proof of Life in an AI Age Clay Travis and Buck Sexton begin by highlighting President Donald Trump’s remarks at the National Prayer Breakfast, where he addressed faith in public life, new Department of Education guidance reaffirming the right to prayer in public schools, and ongoing federal responses to unrest and crime in major U.S. cities, including Minneapolis. They preview Trump’s wide‑ranging interview with NBC News’ Tom Llamas, which becomes a central theme throughout the hour. A major portion of Hour 1 of the Clay Travis and Buck Sexton Show is devoted to the alarming and emotional kidnapping case involving the mother of NBC News anchor Savannah Guthrie. The hosts play audio from Guthrie’s public plea and analyze the unusual nature of a modern‑day ransom kidnapping in the United States. Clay and Buck discuss why the crime appears targeted rather than random, speculate on possible inside knowledge of the victim’s home and routines, and explore why this type of crime is now rare in America compared to other parts of the world. They also examine how advances in surveillance, DNA evidence, and digital tracking make successful ransom kidnappings increasingly difficult. Throughout the segment, they note that President Trump and FBI Director Kash Patel have committed significant federal resources to the case, underscoring its national visibility and seriousness. Kamala Woofs? A lively and humorous debate about the future of the Democratic Party, centered on Vice President Kamala Harris and the 2028 presidential race. Clay Travis sharply mocks what he characterizes as Kamala Harris’s inauthentic political style, using her recent “Kamala HQ” announcement as an example, and compares it to a famously absurd storyline from The Office. This sparks a prolonged back‑and‑forth between Clay and Buck over whether Harris will run for president again—and whether she could realistically become the Democratic nominee. Clay argues that Harris is likely to run and could benefit from changes to the Democratic primary calendar that elevate Southern states with large Black Democratic electorates, while Buck strongly disagrees, insisting that her past electoral failures and poor performance in swing states make her nomination politically disastrous. The conversation broadens into a larger analysis of Democratic strategy, race, primary politics, and voter turnout. Clay suggests Democrats may once again make a risky strategic decision based on identity politics and narrow electoral margins, while Buck counters that party elites will ultimately coalesce around a different candidate, particularly California Governor Gavin Newsom. Throughout the hour, the hosts reference betting odds, past primary performances, and voter behavior to argue their competing cases, turning their disagreement into an ongoing bet that becomes a recurring and entertaining thread. Clay's Needle and Poop Walk Clay delivers an extended firsthand account of his morning walk through downtown San Francisco ahead of Super Bowl weekend. Broadcasting from the iHeartRadio studios in the city, he describes being advised not to walk for safety reasons and then encountering widespread homelessness, drug use, abandoned needles, and human feces along a short route in the city’s core. Clay uses the experience to argue that urban decay, public drug use, and lack of sanitation are policy failures, contending that visible filth and disorder directly correlate with higher crime rates and declining quality of life in major American cities like San Francisco and Washington, D.C. A central segment of Hour 3 of the Clay Travis and Buck Sexton Show features a detailed live update from Daily Wire reporter Lynden Blake, who monitored the full Arizona press conference on the Nancy Guthrie kidnapping. Blake confirms that a single ransom note was sent to multiple outlets, demanding millions of dollars in Bitcoin, with an initial deadline the same day and a secondary deadline the following Monday accompanied by explicit threats. She explains why authorities believe the notes are credible, citing accurate descriptions of the crime scene, and discusses lingering questions about security cameras, possible inside knowledge of the home, and inconsistencies regarding forced entry. The hosts also explore the family’s request for proof of life and the challenges posed by AI‑generated imagery, underscoring how modern technology complicates hostage negotiations. Sen. Dave McCormick A substantive interview with Senator Dave McCormick, who addresses major national and state policy concerns. McCormick discusses the growing national debt, massive federal deficits, and what he views as Washington’s unwillingness to enact even modest spending reforms. He criticizes resistance to work requirements for able‑bodied Medicaid recipients and warns that without structural changes, entitlement programs will collapse under their own weight. McCormick also speaks at length about bipartisan cooperation in Pennsylvania, highlighting his working relationship with Democratic Senator John Fetterman, their shared stance on issues like fentanyl, energy production, Israel, and government shutdowns, and his willingness to publicly defend Fetterman when he was attacked by his own party. Election integrity and voting laws are another focal point, as McCormick strongly advocates for the SAVE Act and nationwide voter ID requirements. He argues that requiring proof of citizenship is a basic safeguard supported by overwhelming majorities of both Republicans and Democrats and says lawmakers must publicly justify opposition to voter ID to restore trust in U.S. elections. The conversation then shifts to the economy, where McCormick credits President Donald Trump’s tax cuts, deregulation, and energy policies with fueling major investment in Pennsylvania, including tens of billions of dollars committed to energy infrastructure and data centers. He frames U.S. energy dominance and AI development as critical components of global competition, particularly with China. Make sure you never miss a second of the show by subscribing to the Clay Travis & Buck Sexton show podcast wherever you get your podcasts! ihr.fm/3InlkL8 For the latest updates from Clay and Buck: https://www.clayandbuck.com/ Connect with Clay Travis and Buck Sexton on Social Media: X - https://x.com/clayandbuck FB - https://www.facebook.com/ClayandBuck/ IG - https://www.instagram.com/clayandbuck/ YouTube - https://www.youtube.com/c/clayandbuck Rumble - https://rumble.com/c/ClayandBuck TikTok - https://www.tiktok.com/@clayandbuck YouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Lindsie is joined by Alessandra this episode! They share relatable struggles with ADHD "body doubling" for motivation and the structure of activities like Pilates. The conversation also touches on surprising relationship hurdles, including a woman being allergic to her husband's DNA. Lastly, they give an update on their own personal lives and the difficulties of being public figures navigating private situations.Thank you to our sponsors!Better Help: This episode is brought to you by BetterHelp. Visit BetterHelp.com/coffee today to get 10% off your first month.Little Spoon: Try Little Spoon Formula with their 2 can trial pack by visiting Littlespoon.com/TRYFORMULARocket Money: Cancel unwanted subscriptions by going to RocketMoney.com/COFFEECONVOSSKIMS: Check out our favorite bras and underwear at http://www.skims.com/coffeeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Evan and Tiki try to “breathe” after an insane double-overtime Knicks win at MSG that almost turned into an all-day referee meltdown. They break down Mikal Bridges' brutal night (and the massive corner three), why Knicks fans are suddenly saying “we don't need Giannis,” and the real takeaway: Mitchell Robinson looking like a one-man defensive cheat code against Jokic and Jamal Murray. Plus, trade deadline talk with the latest buzz, the Knicks' minor money move, what the buyout market could look like, and calls on Brunson's clutch DNA and a wild Draymond-to-NY idea. Then the hour takes a hard turn to hockey as the Rangers ship Artemi “Breadman” Panarin to the Kings, sending Sean into full Fan Focus fury about Drury, the direction of the franchise, and why this “retool” feels like a wrecking ball. Also: an unexpected debate on the worst U.S. president of all time.

Tonight on Police Off The Cuff – Real Crime Stories, retired NYPD Sergeant Bill Cannon brings you the latest breaking updates in the Nancy Guthrie kidnapping investigation. New details continue to emerge surrounding the forced entry into her home, the blood evidence near the doorway, and the disturbing ransom note that points to a planned, targeted abduction of the 84-year-old mother of NBC's Savannah Guthrie. We'll separate verified facts from online rumors, including growing questions about individuals close to the family and unconfirmed reports involving son-in-law Tomasso Cioni and his wife. What is real evidence—and what is dangerous internet speculation? Bill explains how detectives evaluate motive, opportunity, and behavior while protecting the integrity of an active investigation. From a law-enforcement perspective, we'll break down:• What the crime scene tells investigators• How ransom cases are worked in real time• The role of DNA, phone forensics & surveillance• Behavioral profiling of offenders targeting the elderly• Why the first 48–72 hours are critical This livestream is about real police procedure, not sensational headlines—how cases like this are truly investigated and what the public should be paying attention to right now. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nancy Guthrie case update—police reveal critical findingsIn this episode of Police Off The Cuff, retired NYPD Sergeant Bill Cannon breaks down the latest developments in the shocking disappearance of 84-year-old Nancy Guthrie—an apparent abduction from inside her own home. We analyze the confirmed evidence: signs of forced entry, blood discovered near the doorway, and the chilling ransom note that suggests this was a targeted crime, not a random event. Bill examines the investigative steps taken by the Pima County Sheriff's Department, what modern forensics can reveal, and how experienced detectives separate fact from rumor in a fast-moving case. We also discuss unverified claims circulating online, including questions surrounding family connections and individuals close to Nancy—while making it clear what is verified, what is speculation, and what still requires proof. From crime-scene behavior to offender profiling, this episode looks at how kidnappings of elderly victims differ from other abductions, the importance of the first 48 hours, and what law enforcement will be focusing on right now—DNA, digital footprints, surveillance video, and financial records tied to any ransom demand. This is real police perspective, not headlines—straight talk about evidence, procedure, and the hard truth of criminal investigations. If you follow true crime and want to understand how detectives actually work a case like this, don't miss this deep dive. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The DNA evidence in the Paul Caneiro trial is now on the record, and it's devastating. Forensic scientists testified that blood from eight-year-old Sophia Caneiro was found in three locations on jeans recovered from her uncle Paul's basement — shin, calf, and thigh. Her eleven-year-old brother Jesse's DNA was there too. A surgical glove fused to the jeans by frozen water also carried Sophia's DNA. These items were found fourteen miles from where both children were stabbed to death in Colts Neck. Sophia suffered seventeen stab wounds. According to findings cited in court, she may have still been alive when the fire started beneath her. Prosecutors say whoever killed those kids wore those jeans, wore that glove, and brought them home. That's the physical link tying Paul Caneiro to this crime. Meanwhile, testimony confirmed Keith Caneiro was killed with a contact or near-contact shot through his hood — an execution-style wound delivered while he was already down. The night before, Keith had confronted Paul about $77,000 missing from a family trust. The defense is pushing contamination theories and questioning the investigation, but the children's blood is in Paul's basement. That's what the jury has to reconcile. This episode covers the Day 12 testimony and what it means for the case.#PaulCaneiro #CaneiroTrial #HiddenKillers #ColtsNeckMurders #DNAEvidence #TrueCrimePodcast #SophiaCaneiro #JesseCaneiro #QuadrupleMurder #ForensicEvidenceJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/​Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Breaking testimony from the Paul Caneiro quadruple murder trial. New Jersey State Police forensic analysts confirmed DNA from both Sophia Caneiro, age 8, and Jesse Caneiro, age 11, was found on clothing in their uncle Paul's basement. The children were stabbed to death fourteen miles away in Colts Neck. Sophia's blood appeared in three separate locations on a pair of jeans — shin, calf, thigh. Her DNA was also on a black surgical glove frozen to the denim. Jesse's DNA showed up as part of a mixed sample. Prosecutors argue Paul Caneiro wore those items when he allegedly killed his brother Keith's entire family, then brought them home. Sophia was stabbed seventeen times. Court findings suggest she may have still been breathing when the fire was set beneath her. Keith Caneiro was shot execution-style — a contact or near-contact wound through his hood while he lay face-down on his lawn. The night before, he'd confronted Paul about $77,000 missing from a trust account and demanded answers by 8 p.m. Prosecutors say what happened next was Paul's response. The defense is raising contamination questions, but the physical evidence linking Paul to the murders is now before the jury. The trial continues through mid-March.#PaulCaneiro #TrueCrimeToday #CaneiroTrial #ColtsNeckMurders #DNATestimony #QuadrupleMurder #KeithCaneiro #SophiaCaneiro #JesseCaneiro #MurderTrialJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/​Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Defense attorney Bob Motta joins Hidden Killers for a deep examination of two major murder cases — the Brendan Banfield conviction and the Michael McKee arrest in the Tepe murders.We start with Banfield. The former IRS agent just got convicted of aggravated murder in the deaths of his wife Christine and Ryan Banfield. The jury deliberated nine hours and came back guilty on everything. They believed the au pair — the woman who got murder dropped to manslaughter and walked free in exchange for her testimony. The defense hammered her credibility. It didn't matter.Bob breaks down exactly where the defense went wrong. The strategy of attacking the prosecution's story without offering an alternative. Banfield's decision to take the stand and tell the jury this whole thing was "absolutely crazy." The DNA that wasn't on the knife. The digital forensics fight that went nowhere. Every decision that led to this verdict.Then we examine the appeal. Life without parole in Virginia means exactly what it sounds like. Banfield is 40. Unless something changes, he dies in prison. Bob explains what his appellate team will argue — the coercive witness deal, the potentially buried evidence, the reassigned forensic investigator — and why most of it probably won't work.Finally, we shift to Michael McKee, charged with murdering his ex-wife Monique Tepe and her husband. Bob examines the surveillance footage, the hearsay testimony, and the phone evidence prosecutors are relying on. What looks like an open-and-shut case has complications a defense attorney will exploit.#BrendanBanfield #MichaelMcKee #MoniqueTepe #BobMotta #BanfieldAppeal #TepeMurders #AggravatedMurder #HiddenKillers #DefenseAttorney #TrueCrimeJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Serina breaks down a startling story about DNA, Tino's spooked by a Gmail setting, Nicasio made his stranded friend sleep in his car, and Matt talks about a man who explains why having an A.I. girlfriend is the right choice for him... Learn more about your ad choices. Visit megaphone.fm/adchoices

What if everything you've been told about fertility and age is wrong?Dr. Ann Shippy — Board-Certified Internal Medicine physician, functional medicine pioneer, former IBM engineer, and author of the new book The Preconception Revolution (foreword by Dr. Mark Hyman) — joins Raj to shatter the myths keeping couples stuck in fear and share what the science actually says about getting pregnant naturally, even in your 40s.In this episode, you'll discover:How a 47-year-old patient conceived naturally after just 3 months of preparationWhy infertility might be a blessing in disguise — and what your body is really telling youThe shocking way trauma rewrites the DNA of your sperm and eggs through epigeneticsWhy your mitochondrial DNA doesn't age the way you've been told it doesHow men with zero sperm count have gone on to have multiple children naturallyThe conversations couples avoid that could be the key to calling in the soul of their childWhy self-love is the single most important fertility protocol — according to scienceWhat the "new souls" coming in are here to do and why they need strong, prepared bodiesIt's not too late. Whether you're in your 30s and planning ahead or in your 40s wondering if the window has closed — this episode will change how you think about fertility, family, and the incredible power you have to shape the health of future generations. Press play and let this one land in your heart.Connect with Dr. Shippy:Website:https://annshippymd.com/https://everybabywell.com/Instagram: @annshippymdConnect with Raj:Liber8: www.liber8.health/programNewsletter – Sign up here: https://www.rajjana.com/staygrounded/Website: http://www.rajjana.com/Instagram: @raj_janaiTunes: https://podcasts.apple.com/rs/podcast/stay-grounded-with-raj-jana/id1318038490Spotify: https://open.spotify.com/show/22Hrw6VWfnUSI45lw8LJBPYouTube: https://www.youtube.com/@raj_janaLegal Disclaimer: The information and opinions discussed in this podcast are for educational and entertainment purposes only. The host and guests are not medical or mental health professionals, and their advice should not be a substitute for seeking professional help. Any action taken based on the information presented is strictly at your own risk. The podcast host and their guests shall have neither liability nor responsibility to any person or entity with respect to any loss, damage, or injury caused or alleged to be caused directly or indirectly by information shared in this podcast. Consult your physician before making any changes to your mental health treatment or lifestyle. Hosted on Acast. See acast.com/privacy for more information.

Lionel dives deep into the baffling disappearance of Nancy, the elderly mother of NBC's Savannah Guthrie. Drawing on his background as a former prosecutor, Lionel dissects the logistics of "asportation" and why kidnapping an 84-year-old woman makes zero sense for a rational criminal. Listeners call in with wild theories ranging from botched robberies to inside jobs involving the maid, while Lionel explains why sending a ransom note to TMZ is the mark of an amateur. Between debates on DNA evidence and luminol, the show takes detours into old-school wrestling trivia and the hilarity of criminals who think they are invisible. Learn more about your ad choices. Visit megaphone.fm/adchoices

After the murders of Harold and Thelma Swain, investigators faced mounting pressure to deliver answers—but instead, the case spiraled into decades of missteps, false leads, and a wrongful conviction. In Part 2, Murder: True Crime Stories follows the long investigation that led to the arrest of Dennis Perry, the flaws in the evidence used to convict him, and the stunning DNA revelations that ultimately set him free after 20 years behind bars. As attention finally returns to the true suspect, this episode examines how race, politics, and systemic failure delayed justice—and why the Swains' story is still unfolding 40 years later. If you're new here, don't forget to follow Murder True Crime Stories to never miss a case! For Ad-free listening and early access to episodes, subscribe to Crime House+ on Apple Podcasts. Murder True Crime Stories is a Crime House Original Podcast, powered by PAVE Studios

Histories, mysteries, memories and families: it's time to clamber up our ancestral trees. Author and genealogist Stephen Hanks -- who teaches genealogy classes in Portland, Oregon and has contributed to PBS genealogy documentaries -- sits down to chat in this encore episode about what ignited a passion for learning about his own history. Also: how to find your family through census records, county archives, death certificates and more, plus which DNA tests he's taken, our most recent common ancestor, and how America can try to heal from its past. Also: capes, detectives and hairy fanny packs.Stephen Hanks books: “1619 -- Twenty Africans,” and “Akee Tree”Publisher: Inkwater PressA donation went to: BlackPast.orgMore episodes to celebrate Black History Month 400+ Ologies episodes sorted by topicSmologies (short, classroom-safe) episodesSponsors of OlogiesTranscripts and bleeped episodesBecome a patron of Ologies for as little as a buck a monthOlogiesMerch.com has hats, shirts, hoodies, totes!Follow Ologies on Instagram and BlueskyFollow Alie Ward on Instagram and TikTokEditing by Mercedes Maitland of Maitland Audio Productions and Jake ChaffeeManaging Director: Susan HaleScheduling Producer: Noel DilworthTranscripts by Aveline Malek Website by Kelly R. DwyerTheme song by Nick Thorburn Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Neil deGrasse Tyson: Why Your God Is Too Small & The Truth About Alien “Pets” What if humanity is just a 1% DNA shift away from being an alien science project? In this earth-shattering episode of Mayim Bialik's Breakdown, world-renowned astrophysicist Dr. Neil deGrasse Tyson (Director of the Hayden Planetarium and host of StarTalk) joins us to deconstruct the greatest mysteries of existence. From simulation theory and the multiverse to near-death experiences (NDEs) and the Atheist vs. Spiritual debate, Neil goes unfiltered on why our current understanding of reality might be fundamentally limited by our own biology. Are we smart enough to understand the universe? We might be smarter after this conversation. In this episode, Dr. Neil deGrasse Tyson breaks down: - The Big Bang Theory Reunion: Neil shares behind-the-scenes stories from his cameos, his “beef” with Raj Koothrappali, and what it was like seeing “his people” represented on a hit sitcom - Alien “Zoo Hypothesis”: Why advanced civilizations might view humans as “toddlers” or keep us in a galactic aquarium - Simulation Theory: Why it is mathematically difficult to argue against the idea that we live in a computer-generated reality - “Small God” Problem: Why Neil believes modern religion doesn't account for the true scale of the cosmos - 95% of Reality is Missing: Understanding the dark matter and dark energy mysteries that drive the universe - Can We Explain the Soul? Why physics is actually “easier” to solve than the human mind, body, and spirit - Limits of Intelligence: Neil's fear that humans may not be “neurologically smart enough” to ever truly figure out the universe - NDEs & Psychedelics: A scientific look at what happens to the brain during mystical encounters - Quantum Physics & The Multiverse: Why parallel universes with different laws of physics are scientifically plausible and where we fit in the “Many-Worlds” theory - Spirituality vs. Science: Why Neil refuses to deny anyone's spiritual experiences, even while offering a different scientific explanation for them - The Ultimate Mysteries: Specific questions about the cosmos that Neil deGrasse Tyson most wants to solve before he dies Are we alone? Are we simulated? Or are we just too small to see the truth? Watch this masterclass in the cosmic perspective and decide for yourself. Follow us on Substack for Exclusive Bonus Content: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bialikbreakdown.substack.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BialikBreakdown.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube.com/mayimbialik⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, let's examine the Chinese Communist Party's biowarfare program, specifically Chinese officials' interest in making a bioweapon capable of targeting the DNA markers specific to distinct ethnic groups.

The disappearance of 84-year-old Nancy Guthrie has now become a full-scale criminal investigation—and the evidence left inside her home is chilling. Investigators report signs of forced entry, blood near the doorway, and a suspected ransom note, all pointing toward a violent abduction rather than a voluntary disappearance. Tonight on Police Off The Cuff, retired NYPD Sergeant Bill Cannon breaks down the latest developments from the Pima County Sheriff's Department—what the crime scene tells us, how ransom notes are analyzed, and why this case fits the profile of a targeted kidnapping. Why was Nancy's phone left behind? Who knew her routine? And was this crime planned by someone close to her? We examine the timeline, forensic evidence, neighborhood canvass, and the investigative tools being used right now—DNA testing, handwriting analysis, cell tower data, and surveillance footage. This episode focuses on facts, not rumors, and looks at the case through the lens of real police procedure. If you care about truth, justice, and getting answers for Nancy Guthrie, don't miss this critical update. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

RHLSTP #597 - University of Bee-Keeping - Richard is back at the Podcast Room where he is chatting with one-liner king, Mark Simmons. They discuss the difficulties of producing a good succinct joke, how rarely Richard manages it, how the language used can serve as a hidden copyright sign in the DNA of the thing and what can be done if someone nicks a good one to make into a greetings card. Plus the perils of being the support act for a sore-throated Seann Walsh, whether the man at Pret fancied or pitied Richard, living with a poltergeist and the importance of giving your audience something to laugh at. Plus why it's fun to punctuate one-liners with patience testing nonsense. See Mark on tour - https://marksimmons.co.uk/live-dates/See RHLSTP live - http://richardherring.com/rhlstpSUPPORT THE SHOW!See details of the RHLSTP LIVE DATES Watch our TWITCH CHANNELBecome a badger and see extra content at our WEBSITE Buy DVDs and books from GO FASTER STRIPE Hosted on Acast. See acast.com/privacy for more information.

The verdict is in. Brendan Banfield, the former IRS criminal investigator, has been convicted of aggravated murder in the deaths of his wife Christine and Ryan Banfield. The jury deliberated nine hours and came back with guilty on everything. No lesser charges, no compromises. Life without parole.Today on True Crime Today, defense attorney Bob Motta breaks down what happened in that Virginia courtroom and why the defense strategy failed. At the center of this case was Juliana, the au pair who admitted involvement but cut a deal that dropped her murder charge to manslaughter. She walked out of custody the day she testified. The defense hammered her as bought and paid for — a witness saying whatever prosecutors wanted to hear. Twelve jurors still believed her over Banfield.Bob explains the problem: attacking credibility only works if you give the jury something else to grab onto. The defense told jurors what didn't happen but never painted a clear picture of what did. That's a dangerous game in a double murder trial.We also break down Banfield's decision to testify. He took that stand and told jurors no reasonable person would kill their wife over a six-week fling. Bob analyzes whether that helped him or sealed his fate — and why defendants who think they can explain away evidence often make things worse.The DNA, the digital forensics fight, the investigation itself — it all gets examined. This is Part 1 of our Banfield verdict analysis, and it answers one question: where exactly did this case fall apart for the defense?#BrendanBanfield #BanfieldTrial #TrueCrimeToday #ChristineBanfield #BobMotta #AggravatedMurder #DoubleHomicide #DefenseAttorney #VirginiaCase #JuryVerdictJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

CardioNerds (Dr. Shazli Khan, Dr. Jenna Skowronski, and Dr. Shiva Patlolla) discuss the management of patients post‑heart transplantation with Dr. Shelley Hall from Baylor University Medical Center and Dr. MaryJane Farr from UTSW. In this comprehensive review, we cover the physiology of the transplanted heart, immunosuppression strategies, rejection surveillance, and long-term complications including cardiac allograft vasculopathy (CAV) and malignancy. Audio editing for this episode was performed by CardioNerds intern Dr. Bhavya Shah. Enjoy this Circulation 2022 Paths to Discovery article to learn about the CardioNerds story, mission, and values. CardioNerds Heart Success Series PageCardioNerds Episode PageCardioNerds AcademyCardionerds Healy Honor Roll CardioNerds Journal ClubSubscribe to The Heartbeat Newsletter!Check out CardioNerds SWAG!Become a CardioNerds Patron! Pearls The Denervated Heart: The donor heart is surgically severed from the autonomic nervous system, leading to a higher resting heart rate (90-110 bpm) due to loss of vagal tone. Because the heart relies on circulating catecholamines rather than neural input to increase heart rate, patients experience a delayed chronotropic response to exercise and stress. Importantly, because afferent pain fibers are severed, ischemia is often painless. Rejection Surveillance: Rejection is classified into Acute Cellular Rejection (ACR), which is T-cell mediated, and Antibody-Mediated Rejection (AMR), which is B-cell mediated. While endomyocardial biopsy remains the gold standard for diagnosis, non-invasive surveillance using gene-expression profiling (e.g., AlloMap) and donor-derived cell-free DNA (dd-cfDNA) is increasingly utilized to reduce the burden of invasive procedures. The Infection Timeline: The risk of infection follows a predictable timeline based on the intensity of immunosuppression. The first month is dominated by nosocomial infections. Months one through six are the peak for opportunistic infections (Cytomegalovirus, Pneumocystis, Toxoplasmosis) requiring prophylaxis. After six months, patients are primarily at risk for community-acquired pathogens, though late viral reactivation can occur. Cardiac Allograft Vasculopathy (CAV): Unlike native coronary artery disease, CAV presents as diffuse, concentric intimal thickening that affects the entire length of the vessel, including the microvasculature. Due to denervation, patients rarely present with angina; instead, CAV manifests as unexplained heart failure, fatigue, or sudden cardiac death. Malignancy Risk: Long-term immunosuppression significantly increases the risk of malignancy. Skin cancers (squamous and basal cell) are the most common, followed by Post-Transplant Lymphoproliferative Disorder (PTLD), which is often driven by Epstein-Barr Virus (EBV) reactivation. Notes Notes: Notes drafted by Dr. Patlolla 1. What are the unique physiological features of the transplanted heart? The hallmark of the transplanted heart is denervation. Because the autonomic nerve fibers are severed during harvest, the heart loses parasympathetic or vagal tone, resulting in a resting tachycardia (typically 90-110 bpm). The heart also loses the ability to mount a reflex tachycardia; thus, the heart rate response to exercise or hypovolemia relies on circulating catecholamines, which results in a slower “warm-up” and “cool-down” period during exertion. 2. What are the pillars of maintenance immunosuppression regimen? The triple drug maintenance regimen typically consists of: Calcineurin Inhibitor (CNI): Tacrolimus is preferred over cyclosporine. Key side effects include nephrotoxicity, hypertension, tremor, hyperkalemia, and hypomagnesemia. Antimetabolite: Mycophenolate mofetil (MMF) inhibits lymphocyte proliferation. Key side effects include leukopenia and GI distress. Corticosteroids: Prednisone is used for maintenance but is often weaned to low doses or discontinued after the first year to mitigate metabolic side effects (diabetes, osteoporosis, weight gain). 3. How is rejection classified and diagnosed? Rejection is the immune system’s response to the foreign graft and is categorized by the arm of the immune system involved: Acute Cellular Rejection (ACR): Mediated by T-lymphocytes infiltrating the myocardium. It is graded from 1R (mild) to 3R (severe) based on the extent of infiltration and myocyte damage. Antibody-Mediated Rejection (AMR): Mediated by B-cells producing donor-specific antibodies (DSAs) that attack the graft endothelium. It is diagnosed via histology (capillary swelling) and immunofluorescence (C4d staining). Diagnosis has historically relied on endomyocardial biopsy. However, non-invasive tools are gaining traction. Gene Expression Profiling (GEP) assesses the expression of genes associated with immune activation to rule out rejection in low-risk patients. Donor-Derived Cell-Free DNA (dd-cfDNA) measures the fraction of donor DNA in the recipient’s blood. Elevated levels suggest graft injury which can occur in both ACR and AMR. 4. What is the timeline of infectious risk and how does it guide prophylaxis? Infectious risk correlates with the net state of immunosuppression. < 1 Month (Nosocomial): Risks include surgical site infections, catheter-associated infections, and aspiration pneumonia. 1 – 6 Months (Opportunistic): This is the period of peak immunosuppression. Patients are at risk for PJP, CMV, Toxoplasma, and fungal infections. Prophylaxis typically includes Trimethoprim-Sulfamethoxazole (for PJP/Toxo) and Valganciclovir (for CMV, dependent on donor/recipient serostatus). > 6 Months (Community-Acquired): As immunosuppression is weaned, the risk profile shifts toward community-acquired respiratory viruses (Influenza, RSV) and pneumonias. However, patients with recurrent rejection requiring boosted immunosuppression remain at risk for opportunistic pathogens. 5. How does Cardiac Allograft Vasculopathy (CAV) differ from native CAD? CAV is the leading cause of late graft failure. Unlike the focal, eccentric plaques seen in native atherosclerosis, CAV is an immunologically driven process causing diffuse, concentric intimal hyperplasia. It affects both epicardial vessels and the microvasculature. Because of this diffuse nature, percutaneous coronary intervention (PCI) is often technically difficult and provides only temporary palliation. The only definitive treatment for severe CAV is re-transplantation. Surveillance is critical and is typically performed via annual coronary angiography, often using intravascular ultrasound (IVUS) to detect early intimal thickening before it is visible on the angiogram. References Costanzo MR, Dipchand A, Starling R, et al. The International Society of Heart and Lung Transplantation Guidelines for the care of heart transplant recipients. J Heart Lung Transplant. 2010;29(8):914-956. doi:10.1016/j.healun.2010.05.034. https://www.jhltonline.org/article/S1053-2498(10)00358-X/fulltext Kittleson MM, Kobashigawa JA. Cardiac Allograft Vasculopathy: Current Understanding and Treatment. JACC Heart Fail. 2017;5(12):857-868. doi:10.1016/j.jchf.2017.07.003. https://www.jacc.org/doi/10.1016/j.jchf.2017.07.003 Velleca A, Shullo MA, Dhital K, et al. The International Society for Heart and Lung Transplantation (ISHLT) guidelines for the care of heart transplant recipients. J Heart Lung Transplant. 2023;42(5):e1-e141. doi:10.1016/j.healun.2022.10.015. https://www.jhltonline.org/article/S1053-2498(22)02187-5/fulltext

Nine hours. That's all it took for twelve jurors to decide Brendan Banfield murdered his wife Christine and her lover Ryan. No compromises on the charges. No sympathy for the former federal agent who swore he didn't do it. They believed the au pair — the woman who got murder dropped to manslaughter and walked out of jail the day she testified against him.Defense attorney Bob Motta is here to explain why. He breaks down the fundamental flaw in Banfield's defense strategy: they spent the entire trial telling jurors what didn't happen, but never gave them an alternative story to believe. You can attack a witness's credibility all day long. If you don't fill that void with something else, jurors fill it themselves.We dig into Banfield's decision to take the stand — a move that's almost always risky, and in this case may have been fatal to his defense. He told the jury this whole thing was "absolutely crazy," that no reasonable person would kill their wife over a six-week affair. Bob explains why that kind of testimony often backfires and what jurors actually hear when a defendant tries to explain away damning evidence.Then there's the DNA. Banfield's wasn't on the murder weapon. Only Christine's and Ryan's. The defense attorney argued the guy who brought the knife is the stabber. Sounds compelling. The jury didn't care. Bob explains why physical evidence doesn't always mean what we think it means — and why reasonable doubt isn't as powerful as defense attorneys wish it were.#BrendanBanfield #BanfieldGuilty #ChristineBanfield #RyanBanfield #BobMotta #TrueCrimePodcast #MurderTrial #JulianaAuPair #VirginiaHomicide #HiddenKillersJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

How do you turn a developer-first product into a growth engine without losing trust, clarity, or focus along the way? In this episode of Tech Talks Daily, I'm joined by Sanjay Sarathy, VP of Developer Experience and Self Service at Cloudinary, for a grounded and thoughtful conversation about product-led growth when developers sit at the center of the story. Sanjay operates at a rare intersection. He leads Cloudinary's high-volume self-service motion while also caring for the developer community that fuels adoption, advocacy, and long-term loyalty. That dual perspective, part business, part builder, shapes everything we discuss. Our conversation picks up on a theme I have been exploring across recent episodes. When technical work is explained clearly, whether that is security, performance, or reliability, it stops being background noise and starts supporting growth. Sanjay shares how Cloudinary approached this from day one, starting with founders who were developers themselves and carried a deep respect for developer trust into the company's DNA. Documentation that reflects reality, platforms that behave exactly as promised, and support that shows up early rather than as an afterthought all play a part. What stood out to me was how early Cloudinary invested in technical support, even before many traditional growth motions were in place. That decision shaped a self-service experience that still feels human at scale. With thousands of developer sign-ups every day and millions of developers using the platform, Sanjay explains how trust compounds into referrals, word of mouth, and sustained adoption. We also dig into developer advocacy and why community is rarely a single thing. Developers gather around frameworks, tools, workflows, and shared problems, and Cloudinary has learned to meet them where they already are rather than forcing them into a single branded space. From React and Next.js users to enterprise advisory boards, feedback loops become part of the product itself. As AI reshapes how software is built and developer tools become more crowded, Sanjay offers a clear-eyed view on what separates companies that grow steadily from those that burn bright and stall. Profitability, experimentation with intent, and the discipline to double down on what works all feature heavily in his thinking. It is a conversation rooted in experience rather than theory. If you care about product-led growth, developer trust, or building platforms that scale without losing their soul, this episode offers plenty to think about. As always, I would love to hear your perspective too. How do you see developer communities shaping the next phase of product growth, and where do you think companies still get it wrong?

Jason Fishman is a marketing strategist with over 15 years of experience helping brands scale through data-driven, multi-channel campaigns. As a "New Media Enthusiast," he has led initiatives across search, social, programmatic, influencer, and content marketing—holding leadership roles on the agency, brand, and vendor sides that give him a unique, 360° perspective. Before founding DNA, Jason led product marketing for a major mobile ad network representing 1,500+ publisher apps and top-tier advertisers. Since launching DNA in 2014, he's worked with 850+ brands and managed 500+ digital funding campaigns, generating nine figures in results across eCommerce, lead generation, and capital raises. A recognized thought leader, Jason has spoken at leading tech and marketing conferences, hosts the Test. Optimize. Scale. podcast, and contributes to the Forbes Agency Council and Crowdfund Professional Association Board. He leads a Los Angeles-based team focused on measurable growth and full-funnel performance. During the show we discuss: What inspired DNA's focus on data-driven, full-funnel marketing for brands and investors How the 8-Point Strategy helps companies launch faster with clarity, precision, and scalability The most common mistakes founders make when marketing to investors—and how to avoid them How to know when a campaign is ready to scale versus when it needs further testing The metrics that actually matter when measuring investor marketing success How first-party data, pixel tracking, and targeting drive consistent 3–10x ROAS How storytelling, validation, and multi-channel strategy convert attention into investor action Resource: https://www.digitalnicheagency.com/

DMC sits down with Metal Walt for a deep dive into his heavy metal and hard rock origins — from the music he heard growing up to discovering the power of Black Sabbath and Judas Priest. In this wide-ranging conversation, DMC explains how rock music was already embedded in early hip-hop culture, why songs like “Rock Box” proved that rock was part of Run-DMC's DNA from the start, and how that foundation eventually led him to create metal and hard rock music in his own lane. The interview also touches on DMC's 2026 solo metal single “She Gets Me High,” his connection to NYC hardcore, playing with Agnostic Front, performing with Sammy Hagar, and opening for Lou Reed — reinforcing a lifelong relationship with rock, metal, and underground culture. 00:00 Show Open & Pre-Roll Tease 02:12 What Music Sounded Like in DMC's House Growing Up 03:47 Discovering Rock on WABC and the First Metal Obsession (Black Sabbath) 07:00 Rock and Early Hip-Hop Culture — DJs, Crates, and Crossover 09:12 “Rock Box” and Why Rock Was Always in Run-DMC's DNA 12:05 “Walk This Way” — History, Impact, and the Permission Moment 23:14 When DMC Decided to Start Making Rock Music 25:59 DMC and the HellRaisers — Live Reactions and Reality 29:14 Rock DNA Across Classic Run-DMC Songs (King of Rock, It's Tricky, Mary, Mary, Why You Buggin') 34:06 “She Gets Me High” — DMC's Solo Metal Direction and Lineup 45:02 Hardcore Roots — Agnostic Front, NYC, and Underground Energy 54:11 Legacy, Creativity, and What DMC Is About Today 01:07:11 Wrap-Up & Where to Follow DMC Metal Mayhem ROC Website: https://metalmayhemroc.com/ DMC Website: https://thekingdmc.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Brendan Banfield has been convicted of aggravated murder. The jury took nine hours and came back guilty on every count. A former federal agent is going to spend the rest of his life in prison because twelve people believed Juliana — the au pair who walked free with time served after her murder charge got dropped to manslaughter.Tonight on Hidden Killers Live, defense attorney Bob Motta breaks down this verdict in real time. We're taking your questions and examining exactly what happened in that Virginia courtroom. The defense called Juliana bought and paid for. They hammered her deal, attacked her credibility, showed the jury a witness with every reason to lie. None of it worked.Bob explains where the defense strategy went wrong. The fundamental problem: they told jurors what didn't happen but never gave them something else to believe. You can poke holes in the prosecution's case all day. If you don't fill those holes with an alternative story, juries fill them themselves — usually with guilty verdicts.We're also breaking down Banfield's decision to testify. He took that stand and called the whole thing "absolutely crazy." He told the jury no reasonable person would kill their wife over a six-week fling. Bob analyzes whether that helped him or sealed his fate.The DNA wasn't on the knife. The digital forensics fight raised real questions about the investigation. None of it saved him. Join us live as we examine why — and take your questions about what comes next.#BrendanBanfield #BanfieldVerdict #BobMotta #HiddenKillersLive #ChristineBanfield #AggravatedMurder #TrueCrimeLive #DefenseStrategy #JulianaAuPair #LivePodcastJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Get ready for a life-changing conversation! In this episode of “Strong Mind, Strong Body,” host Angie Miller sits down with Kara Rubinstein Deyerin, founder of Right to Know, to talk about a topic that's impacting millions: DNA testing surprises. Whether you've taken a 23andMe or Ancestry kit, or you're considering it, this episode dives deep into what happens when your DNA results turn your world upside down. What You'll Learn: ·      The unexpected emotional impact of DNA surprises and misattributed parentage ·      Kara's personal story: Losing ethnic identity with a click of a mouse and discovering new family roots ·      Why genetic revelations affect not just the test-taker, but family, friends, and generations ·      How trainers, coaches, and wellness professionals can support clients experiencing identity disruption ·      The importance of empathy, support networks, and processing grief around family secrets ·      Practical advice for handling new family connections, medical history gaps, and building self-compassion ·      The hidden risks of consumer DNA tests and what major companies aren't telling you  ·      Key Topics Covered: ·      DNA surprise stories and “genetic continuity” loss ·      The psychological and physical health impact of learning family secrets through genetic testing ·      Real-world tips: What to say (and NOT say) to someone facing a DNA surprise ·      How to rebuild trust, identity, and family relationships after the truth emerges ·      Resources for mental health, therapy, and connecting with others who've experienced the sameWhether you're a coach, wellness professional, or someone who's curious—or nervous—about their DNA, this episode is packed with powerful insights, expert advice, and hope for healing. If you like what you just consumed, leave us a 5-star review, and share this episode with a friend to help grow our NASM health and wellness community!  The content shared in this podcast is solely for educational and entertainment purposes. It is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek out the guidance of your healthcare provider or other qualified professional. Any opinions expressed by guests and hosts are their own and do not necessarily reflect the views of NASM. The most trusted name in fitness is now expanding into the wellness world. Become an NASM Certified Wellness Coach and you'll be able to guide and motivate clients to make lasting changes through mental and emotional well-being, recovery, and more. https://bit.ly/3PbopkM

Neil deGrasse Tyson: Why Your God Is Too Small & The Truth About Alien “Pets” What if humanity is just a 1% DNA shift away from being an alien science project? In this earth-shattering episode of Mayim Bialik's Breakdown, world-renowned astrophysicist Dr. Neil deGrasse Tyson (Director of the Hayden Planetarium and host of StarTalk) joins us to deconstruct the greatest mysteries of existence. From simulation theory and the multiverse to near-death experiences (NDEs) and the Atheist vs. Spiritual debate, Neil goes unfiltered on why our current understanding of reality might be fundamentally limited by our own biology. Are we smart enough to understand the universe? We might be smarter after this conversation. In this episode, Dr. Neil deGrasse Tyson breaks down: - The Big Bang Theory Reunion: Neil shares behind-the-scenes stories from his cameos, Neil shares behind-the-scenes stories from his cameos, his “beef” with Raj Koothrappali, and what it was like seeing “his people” represented on a hit sitcom - Alien “Zoo Hypothesis”: Why advanced civilizations might view humans as “toddlers” or keep us in a galactic aquarium - Simulation Theory: Why it is mathematically difficult to argue against the idea that we live in a computer-generated reality - “Small God” Problem: Why Neil believes modern religion doesn't account for the true scale of the cosmos - 95% of Reality is Missing: Understanding the dark matter and dark energy mysteries that drive the universe - Can We Explain the Soul? Why physics is actually “easier” to solve than the human mind, body, and spirit - Limits of Intelligence: Neil's fear that humans may not be “neurologically smart enough” to ever truly figure out the universe - NDEs & Psychedelics: A scientific look at what happens to the brain during mystical encounters - Quantum Physics & The Multiverse: Why parallel universes with different laws of physics are scientifically plausible and where we fit in the “Many-Worlds” theory - Spirituality vs. Science: Why Neil refuses to deny anyone's spiritual experiences, even while offering a different scientific explanation for them - The Ultimate Mysteries: Specific questions about the cosmos that Neil deGrasse Tyson most wants to solve before he dies Are we alone? Are we simulated? Or are we just too small to see the truth? Watch this masterclass in the cosmic perspective and decide for yourself. Go to https://www.kachava.com and use code BREAKDOWN for 15% off your first order. Get 20% off all IQ Bar products - plus free shipping by texting BREAKDOWN to 64000. JUST VISITING THIS PLANET: Further Scientific Adventures of Merlin from Omniscia: https://neildegrassetyson.com/books/2025-10-just-visiting-this-planet/ COSMOS CONFIDENTIAL: Neil & Bill's Excellent Bromance: https://a.co/d/5gSkRso Merlin's Tour of the Universe, Revised and Updated for the Twenty-First Century: https://www.blackstonepublishing.com/products/book-ea8l?_pos=1&_psq=merlin&_ss=e&_v=1.0 Follow us on Substack for Exclusive Bonus Content: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bialikbreakdown.substack.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BialikBreakdown.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube.com/mayimbialik⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Investigators just held a news conference on the latest information into Savanna Guthrie’s missing mom, and several moments jumped out to us. First, the sheriff was asked twice about whether a ransom has been asked surrounding the abduction of 84-year-old Nancy Guthrie, and both times the sheriff did NOT say no. Instead he said his team was following all of their investigative leads. The sheriff also told reporters that DNA samples processed from Guthrie’s home have not implicated any specific suspect. Also of note, despite the urgency in finding Guthrie given that she’s not with her necessary daily medication, the sheriff said - barring any major developments - the next press conference wouldn’t take place for another 48 hours. See omnystudio.com/listener for privacy information.

Investigators just held a news conference on the latest information into Savanna Guthrie’s missing mom, and several moments jumped out to us. First, the sheriff was asked twice about whether a ransom has been asked surrounding the abduction of 84-year-old Nancy Guthrie, and both times the sheriff did NOT say no. Instead he said his team was following all of their investigative leads. The sheriff also told reporters that DNA samples processed from Guthrie’s home have not implicated any specific suspect. Also of note, despite the urgency in finding Guthrie given that she’s not with her necessary daily medication, the sheriff said - barring any major developments - the next press conference wouldn’t take place for another 48 hours. See omnystudio.com/listener for privacy information.

Investigators just held a news conference on the latest information into Savanna Guthrie’s missing mom, and several moments jumped out to us. First, the sheriff was asked twice about whether a ransom has been asked surrounding the abduction of 84-year-old Nancy Guthrie, and both times the sheriff did NOT say no. Instead he said his team was following all of their investigative leads. The sheriff also told reporters that DNA samples processed from Guthrie’s home have not implicated any specific suspect. Also of note, despite the urgency in finding Guthrie given that she’s not with her necessary daily medication, the sheriff said - barring any major developments - the next press conference wouldn’t take place for another 48 hours. See omnystudio.com/listener for privacy information.

Multi- billionaire John M (Text Café, HomeFine, GhosteFine, etc) returns to tell us about his new banking system that uses drones and real clouds. We try to get some clients for him and we also get the winning Powerball numbers and much more, on this episode of the WORLD RECORD PODCAST! More livestreams to come. Patreon! https://www.patreon.com/worldrecordpodcastBuy merch, watch videos and more! https://worldrecordpodcast.com0:00 - Show intro / Deal Dash ad parody1:00 - Real doll discussion / Deal Dash continued5:00 - Samsung hold music interruption / Real doll debate8:00 - John M introduction / Sky Find Financial pitch begins10:00 - Sky banking concept explained / Drone-based banking15:00 - News clip about Sky Find Financial / Drone malfunctions20:00 - Banking logistics discussion / DNA verification system25:00 - Sky Pet Cemetery concept / Bird story30:00 - Calling financial institutions / Pitching Sky Fine35:00 - Shark Tank attempts / Multiple call attempts

Crime Talk Store: https://scottreisch.com/crime-talk-store New details from investigators paint a darker picture inside Nancy Guthrie's Tucson home. DNA confirmed as hers, signs of forced entry, blood drops toward the driveway and a missing doorbell camera all point to foul play – not a voluntary disappearance. In tonight's episode, Scott breaks down the timeline, the tech clues from her pacemaker and Apple Watch, and what this all means for the hunt to find her alive. If you have any information, contact the Pima County Sheriff's Department at 520-351-4900 or 88-CRIME / P3TIPS. #CrimeTalk #NancyGuthrie #SavannahGuthrie #TrueCrime #BreakingNews #MissingPerson

"Without our health, we don't have anything." Join host Heather in this deeply personal and enlightening episode of Health, Harmony and Heather as she sits down with Jim Curtis—author, motivational speaker, and health tech innovator. Jim shares his harrowing and inspiring journey of battling a mysterious, undiagnosed chronic illness 20 years ago that eventually left him in a wheelchair. From searching for answers at Johns Hopkins to learning from Kung Fu masters and shamans, Jim discusses how he moved past despair and pain to reverse his condition through a shift in mindset and functional medicine. In this episode, we explore: The "Anti-Inflammatory Mindset": How mental inflammation can be more destructive than physical inflammation. The Stimulati Experience: Discovering the "stimuli"—the extraordinary people and minds that ignite our passion and propel us toward healing. Bio-Individuality: Why there is no "silver bullet" and how to find the specific diet and lifestyle hacks (from cold therapy to grounding) that work for your unique DNA. Navigating Big Food & Pharma: Understanding how marketing impacts our health and why we must become advocates who "question our doctors". The Power of Breath: Practical tips on nasal breathing and the "box breathing" technique to lower stress and oxygenate your body. Whether you are dealing with a health setback or simply looking to "crowd out" bad habits with better ones, this conversation provides a roadmap for taking your life into your own hands. Book: The Stimulati Experience: 9 Skills for Getting Past Pain, Setbacks and Trauma to Ignite Health and Happiness Instagram: @JimCurtis1 Health, Harmony and Heather is dedicated to enriching life perspectives by exploring social phenomena, the human condition, and our connection to ourselves and the planet. We dive into physical, mental, and spiritual health to help you find your innermost truth, happiness, and freedom. Website: ⁠www.heatherthomson.com⁠ You Tube: ⁠https://youtube.com/@iamheathert?si=ZvI9l0bhLfTR-qdo⁠ Inquiries about this podcast: ⁠Karin@sireniamedia.com⁠ Social media:  IG: ⁠https://www.instagram.com/iamheathert/⁠ #HealthAndHarmony #JimCurtis #FunctionalMedicine #ChronicPainRecovery #Biohacking #IntegrativeNutrition #MindsetShift   Learn more about your ad choices. Visit megaphone.fm/adchoices

Investigators just held a news conference on the latest information into Savanna Guthrie’s missing mom, and several moments jumped out to us. First, the sheriff was asked twice about whether a ransom has been asked surrounding the abduction of 84-year-old Nancy Guthrie, and both times the sheriff did NOT say no. Instead he said his team was following all of their investigative leads. The sheriff also told reporters that DNA samples processed from Guthrie’s home have not implicated any specific suspect. Also of note, despite the urgency in finding Guthrie given that she’s not with her necessary daily medication, the sheriff said - barring any major developments - the next press conference wouldn’t take place for another 48 hours. See omnystudio.com/listener for privacy information.

When some Klingons start experimenting with augment DNA, they start a pandemic and kidnap Dr. Phlox to find a cure. But after Hoshi gets melded and Reed gets thrown in the brig, the rest of the crew chase down a Rigelian ship and find the Entrepreneur has been sabotaged. What could push us into the physical-media lifestyle? Who is Trip Tucker's Steve Stevens? Where do lady captains need to be careful? It's the episode that's going through some changes.Support the production of The Greatest GenerationGet a thing at podshop.biz!Sign up for our mailing list!Follow The Game of Buttholes: The Will of the Riker - Quantum LeapThe Greatest Generation is produced by Wynde PriddySocial media is managed by Rob Adler and Bill TilleyMusic by Adam Ragusea & Dark MateriaFriends of DeSoto for: Labor | Democracy | JusticeDiscuss the show using the hashtag #GreatestGen and find us on social media:YouTube | Facebook | X | Instagram | TikTok | Mastodon | Bluesky | ThreadsAnd check out these online communities run by FODs: Reddit | USS Hood Discord | Facebook group | Wikia | FriendsOfDeSoto.social Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Big pharma and biotech take the earnings stage this week with reports from Eli Lilly (NYSE: LLNY) and Novo Nordisk (NYSE: NVO) leading the lineup. Will they help the industry once again outperform AI champ NVIDIA (NASDAQ: NVDA), as the industry did in 2025? Karl Thiel, Tom King, and Tim Beyers discuss: - Slow rolling chaos at FDA and its effects on drug approvals. - How to think about risk when investing in biotech. - Earnings predictions for Lilly and Novo as well as a review of results from DNA researcher Twist Bioscience (NASDAQ: TWST). Don't wait! Be sure to get to your local bookstore and pick up a copy of David's Gardner's new book — Rule Breaker Investing: How to Pick the Best Stocks of the Future and Build Lasting Wealth. It's on shelves now; get it before it's gone! Companies discussed: RGNX, LLY, NVO, TWST Host: Tim Beyers Guests: Karl Thiel, Tom King Producer: Anand Chokkavelu Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Go to www.LearningLeader.com for full show notes This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. My Guest: Dan Coyle is a New York Times bestselling author who's spent the last two decades studying what makes great teams great. He wrote The Talent Code, The Culture Code, and now Flourish—books that have shaped how millions of people think about skill development, team culture, and meaningful connection. He works with the Cleveland Guardians as a special advisor on culture and performance. We recorded this one together in Cleveland. Notes: Find your yellow doors. Most of us go through life looking for green doors (clearly open paths) and red doors (obviously closed paths). But yellow doors are different. They're out of the corner of your eye, things that make you uncomfortable or feel brand new. That's where life actually happens. We think life is a straight line from A to B to C, but it's not. Life isn't a game... It's complex, living, shifting. Yellow doors are opportunities to create meaningful connections and explore new paths. "Life deepens when we become aware of the yellow doors, the ones we glimpse out of the corner of our eye." The craft journey always involves getting simpler. Simple is not easy. The great ones have their craft to where there's a simplicity to it. In this world of clutter and noise, it's easy to want to compete with energy and speed, but the stuff that really resonates is quieter and simpler. Be a beginner again in something. With climbing, Dan's at the very bottom of the craft mountain. With writing, he's somewhere in the middle. It's fun to have a couple of zones in your life where you're a beginner. It's liberating, but it also develops empathy. Some stuff looks very simple, but isn't. Every good story has three elements. There's some desire (I want to get somewhere), there's some obstacle (this thing standing in my way), and there's some transformation on that journey. Teaching teaches you. Coaching Zoe's writing team helped Dan, and then Zoe ended up coaching Dan. It was never "let me transmit all my wisdom to my daughter." It was a rich two-way dialogue that helped both of them. Suffering together is powerful. Doing hard things together with other people, untangling things together (literally and figuratively), and being vulnerable together. That's culture code stuff. Whether it's skiing with your kids, seeing them fall and get back up, or being trapped underground like the Chilean miners. Behind every individual success is a community. Dan dedicates all his books to his wife, Jenny (except one). Growing up, he had this idea of individual success, individual greatness. But when you scratch one of those individual stories, what's revealed is a community of people. Jenny is the ecosystem that lets Dan do what he does. Going from writing project to writing project, hoping stuff works out, exploring... it's not efficient. It's not getting on the train to work and coming home at five o'clock. It's "I think I need to go to Russia" or "I need to dig into this." She's been more than a partner, an incredible teammate.  Great organizations aren't machines; they're rivers. The old model of leadership is the pilot of the boat, the person flipping levers who has all the answers. That's how most of us grew up thinking about leaders. But Indiana football, the SEALs, Pixar... when you get close to these organizations, they're not functioning like machines. Machines are controlled from the outside and produce predictable results. These organizations are more like energy channels that are exploring. They're like rivers. How do you make a river flow? Give it a horizon to flow toward (where are we going?), set up river banks (where we're not gonna go), but inside that space create energy and agency. Questions do that. Leaders who are good at lobbing questions in and then closing their mouth... that's the most powerful skill. Great teams have peer leaders who sacrifice. Since Indiana football's fresh in our minds... Peer leaders who sacrifice for the team are really big. Fernando Mendoza got smoked, battered, hammered, and he kept going without complaint. In his interview afterward, he talks about his teammates. That's the DNA of great teams. Adversity reveals everything. The litmus test: in moments of terrible adversity, what's the instinct? Are we turning toward each other or away from each other? You could see it in that game. The contrast between the two teams. When things went bad, they responded very differently. The coach isn't as important as you think. Coaches can create the conditions for the team to emerge, but great teams sometimes pit themselves against the coach. The US Olympic hockey team of 1980 would be an example. They came together against Herb Brooks. So coaching sets the tone, but it's not as big a part of DNA as people think. Curiosity keeps great teams from drinking their own Kool-Aid. The teams that consistently succeed don't get gassed up on their own stuff. They don't believe in their success. They're not buying into "now I'm at the top of the mountain, everything's fine." They get curious about that next mountain, curious about each other, curious about the situation. They're willing to let go of stuff that didn't work. Honor the departed. When someone gets traded in pro sports, it's like death. Their locker's empty like a gravestone. What the coach at OKC does: on the day after somebody gets traded, he spends a minute of practice expressing his appreciation for that person who's gone. How simple and human is that? How powerful? What makes people flourish is community. It's not a bunch of individuals that are individually together. Can they connect? Can they love their neighbor and support their neighbor? That's magical when it happens. The Chilean miners created civilization through rituals. 33 men, 2,000 feet underground, trapped for 69 days. The first couple hours went as bad as it could. People eating all the food, scrambling, yelling. Then they circled up and paused. The boss took off his helmet and said, "There are no bosses and no employees. We're all one here." Their attention shifted from terror and survival to the larger connection they had with each other. They self-organized. Built sleeping areas, rationed food, created games with limited light. Each meal they'd share a flake of tuna at the same time. When they got contact with the surface, they sang the Chilean national anthem together. They created a little model civilization that functioned incredibly well. Stopping and looking creates community. What let the miners flourish wasn't information or analysis. It was letting go. Having this moment of meaning, creating presence. All the groups Dan visited had this ability in all the busyness to stop and ask: What are we really about? What matters here? What is our community? Why are we here? What is bigger than us that we're connected to? They grounded themselves in those moments over and over. Getting smart only gets you so far. There's a myth in our culture that individuals can flourish. You see someone successful and think "that individual's flourishing." But underneath them, invisibly, they're part of a larger community. We only become our best through other people. We have a pronoun problem: I, me, when actually it's we and us. Self-improvement isn't as powerful as shared improvement. Ask energizing questions. "What's energizing you right now?" is a great question. "What do you want more of?" "What do you want to do differently?" (not "what are you doing poorly"). "Paint a picture five years from now, things go great, give me an average Tuesday." What you're trying to do is get people out of their narrow boredom, let go a little, surrender a little, open up and point out things in the corner of their eye. When things go rough, go help somebody. Craig Counsell on how to bounce back when you're having a bad day: "I try to go help somebody." That's it. Create presence conditions. The ski trips, the long drives, the shared meals, no phones. Schedule them. This is how connection happens, whether it's with your family or your people at work. Leaders who sustain excellence are intensely curious. Dan walked into the Guardians office expecting to pepper them with questions. The opposite happened. Jay, Chris, and Josh kept asking him question after question, wanting to learn. Leaders who sustain excellence have this desire to learn, improve, get better. Ask better questions. Actually listen. Ask follow-up questions. Curiosity is also the ultimate way to show love. Reflection Questions Dan says yellow doors are "out of the corner of your eye, things that make you uncomfortable or feel brand new." What's one yellow door you've been walking past lately? What's stopping you from opening it this week?The Chilean miners' boss took off his white helmet and said, "There are no bosses and no employees." Think about a moment of adversity your team is facing right now. Are you turning toward each other or away? What's one specific action you could take this week to help your team turn toward each other? Dan emphasizes we have a "pronoun problem" (I, me vs. we, us) and that "self-improvement isn't as powerful as shared improvement." Who are the 2-3 people you could invite into your growth journey right now? What would it look like to pursue excellence together instead of alone?

In 2017, a social media firestorm in Trumbull County, Ohio, turned 18-year-old Austin Burke into the prime suspect in the disappearance and murder of 22-year-old Brandon Sample. What followed was a whirlwind investigation that culminated in a five-day trial where Austin was convicted of both murder and an unrelated pizza shop robbery—despite significant questions surrounding the physical evidence.In this episode, we sit down with Austin's mother, Jamie Sell, and author Donna Waters (Wrong Ride Home) to dissect a case they argue is a textbook example of a wrongful conviction. We explore the glaring inconsistencies in the prosecution's narrative, including a robbery suspect description that didn't match Austin, a lack of DNA linking him to the crimes, and a timeline that Jamie says she can personally debunk.Wrong Ride Home by Donna Waters is a complex investigation.  It takes the reader through the investigation, trial, and where Austin's fight is today. Buy it here: https://www.amazon.com/Wrong-Ride-Home-Donna-Waters/dp/B0DZT62SW6For more information on Austin's case, visit https://trumbullcountyiscorrupt.com/.      --For early, ad free episodes and monthly exclusive bonus content, join our Patreon! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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  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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   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 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  33:19   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 chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

Mari Ann Fowler, was a beloved educator and wife of former Louisiana Elections Commissioner Jerry Fowler. On Christmas Eve 2002, while stopping for sandwiches at a Port Allen shopping plaza en route to visit her incarcerated husband, the 65-year-old vanished in broad daylight—leaving behind spilled food, broken nails, and a community in shock amongst the killings of many south Louisiana women at the hands of a now confirmed serial killer.Derrick Todd Lee (DTL) terrorized the Baton Rouge and Lafayette Louisiana. A Serial Killer who took the lives of at least (7) women in the late 1990's and early 2000's, Lee's reign of terror finally ended in late May of 2003 when he was captured in Atlanta, GA after being linked by DNA to several of the murders.This is DTL Hosted by Kelly Jennings and produced by the experts at Envision Podcast Productions.Timestamps01:09 A Frantic Search Begins02:51 The Connection04:59 Christmas with a Twist08:01 A Disturbing Discovery11:38 Theories of Abduction12:44 The Impact on Families16:01 Mothers in the Spotlight19:34 The Mystery of Mari Ann Fowler20:48 Unanswered Questions Surrounding Her DisappearanceFor Media or Advertising Inquiries Envisionpodcaststudios@gmail.com

Dr. Doug Lucas, a double board-certified orthopedic surgeon and osteoporosis specialist, who dives into the secrets of maintaining optimal bone health. In this episode, you will discover why bone health is vital for women of all ages and learn actionable tips to build and maintain strong bones from your teens to your golden years. Brace yourself for intriguing insights, such as the surprising benefits of prunes as an independent intervention for osteoporosis! This episode is a comprehensive guide to nurturing your bones through diet, exercise, and hormonal balance.Episode Overview [Timestamps are approximate]:(0:00) Introduction(4:00) Why Women Get Osteoporosis in Their 40s(11:00) The Chronic Dieting Problem & Under-Eating Epidemic(17:00) Pregnancy, Breastfeeding & Bone Density(23:00) Hormones Explained(34:00) Nutrition for Bone Health(43:00) The Boron Secret & Prunes for Bone Density(47:00) Exercise That Hurts Your Bones(55:00) How to Lift Weights for Bone Health(1:04:00) Weighted Vests, GLP-1s & Bone Medications(1:23:00) The After-Party with Dr. StephanieResources mentioned in this episode can be found at https://drstephanieestima.com/podcasts/ep454We couldn't do it without our sponsors:TROSCRIPTIONS - There's a completely new way to optimize your health. Give it a try at https://troscriptions.com/BETTER or enter BETTER at checkout for 10% off your first order.PIQUE LIFE - If you want to redefine your evening ritual and still feel like yourself the next day, you can get 10% off for life. Yes, for life at https://piquelife.com/betterYOUNG GOOSE - Youth Serum & Youth Moisturizer from Young Goose is designed to support NAD⁺-dependent cellular pathways in the skin. Go to https://younggoose.com/better and use code BETTER for 10% off your first purchaseLIFT - If you want muscle for longevity, clarity, and confidence—come LIFT with me.  Head over to https://drstephanieestima.com/lift and join today.QUALIA NAD+ - Boost energy, DNA health, and cellular protection. Save 15% at https://qualialife.com/better with code BETTER. P.S. When you're ready, here are a two ways I can help you:Subscribe: The Mini Pause — My weekly newsletter packed with the most actionable, evidence-based tools for women 40+ to thrive in midlife.Build Muscle: LIFT — My progressive strength training program designed for women in midlife. Form-focused, joint-friendly, and built for real results. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Unsealed forensic filings from the Bryan Kohberger case reveal devastating new details about what happened inside the King Road house on November 13, 2022 — including evidence that one victim's fight for survival may have been what brought down her killer.Xana Kernodle was stabbed 67 times. That number alone is staggering, but the context makes it more significant. Kaylee Goncalves sustained 38 wounds, Madison Mogen 28, and Ethan Chapin 17. Xana's wound count exceeds the other three combined. And unlike her roommates, Xana had blood on the bottoms of her bare feet — the only victim who moved after the attack began.Blood pattern analysis found traces of Kaylee and Maddie's blood on the stairwell and bannister leading from the third floor to the second. Since both women never stood up, investigators believe Xana went upstairs, encountered Kohberger mid-attack, and fled with him pursuing her. Police documented an intense struggle and defensive wounds between her fingers, with injuries extending into the bones of her hand. Kaylee's sister called Xana a hero — and the evidence supports that.Prosecutors now believe her fight caused Kohberger to leave behind the DNA-laden knife sheath that cracked the case.Also today: Idaho State Police released 2,800 crime scene photos last week, then removed them hours later after giving families less than 15 minutes' notice. A court order was supposed to prevent this. We break down what happened and why no one's been held accountable.#BryanKohberger #IdahoMurders #XanaKernodle #KayleeGoncalves #MadisonMogen #EthanChapin #Autopsy #ForensicEvidence #TrueCrimeToday #CrimeScenePhotosJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Trust account expert Lazaro Cardenas explained something to jurors this week that changes everything about the Colts Neck murders: Keith Caneiro's $3 million life insurance policy was structured so that Paul would only benefit if Keith, Jennifer, AND both children were all dead. Not just Keith. All four of them. According to prosecutors, this is why 11-year-old Jesse and 8-year-old Sophia weren't spared. They weren't collateral damage. They were allegedly necessary casualties. A detective testified that Sophia had a stab wound to her left eye. The final recorded phone call between Keith and his brother Paul captures a man demanding answers hours before his murder. "Give me the f***ing login, Paul!" Keith is heard saying, giving his brother a deadline to provide access to a trust account. Prosecutors say Keith had discovered Paul was stealing from their shared businesses and was cutting him off from a $225,000 salary. A neighbor put a timestamp on the killing. Dennis Corpora testified he woke up around 3:20 AM on November 20th, 2018. "I heard the shots, and I said, 'Someone just got whacked.'" Hours later, four people were dead and the mansion was burning. Prosecutors say Paul shot Keith outside the home, then went inside and stabbed Jennifer and the children before setting the house on fire. Hours earlier, he allegedly set fire to his own Ocean Township home while his wife and daughters slept inside. The defense wants jurors to look at a third brother, Corey, claiming police never investigated him. But the murder weapon, silencer, night-vision scope, bloody jeans with the children's DNA, and a go-bag with a passport were all found at Paul's house. For the defense theory to work, Corey would have had to commit quadruple murder and plant all the evidence. That's not reasonable doubt. That's fiction.#PaulCaneiro #KeithCaneiro #ColtsNeckMurders #JenniferCaneiro #MansionMurders #CaneiroTrial #MonmouthCounty #FamilyAnnihilator #TrueCrimeToday #CourtTVJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

The verdict is in. Brendan Banfield has been found guilty of aggravated murder in Fairfax County, Virginia. The former IRS special agent was convicted Monday in the February 2023 deaths of his wife Christine Banfield, 37, and Joseph Ryan, 39 — a man prosecutors say was catfished on a fetish website and lured to the family home as part of an elaborate murder plot.The jury of five men and seven women deliberated nearly nine hours over two days. They heard from 34 witnesses across three weeks of testimony, including the most damning account of all: Juliana Peres Magalhães, the family's au pair and Banfield's mistress, who told jurors she helped execute the plan and watched Banfield stab his wife.Magalhães originally faced second-degree murder charges. She struck a deal — plead to manslaughter, testify against Banfield, walk out with time served. The defense called her "bought and paid for" and attacked her credibility at every turn. They pointed out Banfield's DNA wasn't on the knife. They challenged the investigation as biased and the digital evidence as flawed.None of it worked. The jury believed the au pair.Under Virginia law, aggravated murder carries mandatory life without parole. Banfield, 40, will never leave prison. His four-year-old daughter — who was in the basement of the house during the killings — is now seven. She'll grow up visiting her father behind bars, if she visits at all.Today we cover the verdict, the key evidence, and what comes next as Banfield's team prepares the inevitable appeal.#TrueCrimeToday #BrendanBanfield #ChristineBanfield #AuPairMurder #GuiltyVerdict #JulianaMagalhaes #FairfaxCounty #MurderTrial #JosephRyan #LifeInPrisonJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Join "Mind Over Murder" co-host Bill Thomas and investigator Jennifer Bucholtz of the "Break the Case" podcast as the discuss the new highly restrictive rules introduced by Ancestry.com which will have a serious impact on law enforcement searches for missing persons, murders and unidetified remains searches.  Jen is a former Army Intelligence Office now with the El Paso Colorado Sheriff's Department; she also co-hosts "Break the Case" with investigative journaist George Jared. Kristin Dilley was away during the recording of this episode, but will be back next time on "Mind Over Murder."Break the Case Podcast:https://podcasts.apple.com/us/podcast/break-the-case/id1590363877Ancestry.com Just Changed the Rules — And Cold Cases Across America May Sufferhttps://www.thecoldcases.com/p/ancestrycom-just-changed-the-rulesNBC: FBI Norfolk field office links deceased suspect to additional Colonial Parkway MurdersIn January 2026, the FBI announced Alan Wade Wilmer Sr. is responsible for the 1986 Virginia murders of Cathleen Thomas and Rebecca Dowski.https://www.nbcnews.com/dateline/cold-case-spotlight/colonial-parkway-murders-cathleen-thomas-rebecca-dowski-resolved-rcna255097American Detective TV series: Colonial Parkway Murders:https://www.youtube.com/watch?v=Fp3rNRZnL0EWashingtonian: A Murder on the Rappahannock River:https://www.washingtonian.com/2019/06/27/murder-on-the-rappahannock-river-emerson-stevens-mary-harding-innocence-project/Won't you help the Mind Over Murder podcast increase our visibility and shine the spotlight on the "Colonial Parkway Murders" and other unsolved cases? Contribute any amount you can here:https://www.gofundme.com/f/mind-over-murder-podcast-expenses?utm_campaign=p_lico+share-sheet&utm_medium=copy_link&utm_source=customerWAVY TV 10 News:  New questions raised in Colonial Parkway murders:https://www.wavy.com/news/local-news/new-questions-raised-in-colonial-parkway-murders/Alan Wade Wilmer, Sr. has been named as the killer of Robin Edwards and David Knobling in the Colonial Parkway Murders in September 1987, as well as the murderer of Teresa Howell in June 1989. He has also been linked to the April 1988 disappearance and likely murder of Keith Call and Cassandra Hailey, another pair in the Colonial Parkway Murders.13News Now investigates: A serial killer's DNA will not be entered into CODIS database:https://www.13newsnow.com/video/news/local/13news-now-investigates/291-e82a9e0b-38e3-4f95-982a-40e960a71e49WAVY TV 10 on the Colonial Parkway Murders Announcement with photos:https://www.wavy.com/news/crime/deceased-man-identified-as-suspect-in-decades-old-homicides/WTKR News 3https://www.wtkr.com/news/is-man-linked-to-one-of-the-colonial-parkway-murders-connected-to-the-other-casesVirginian Pilot: Who was Alan Wade Wilmer Sr.? Man suspected in two ‘Colonial Parkway' murders died alone in 2017https://www.pilotonline.com/2024/01/14/who-was-alan-wade-wilmer-sr-man-suspected-in-colonial-parkway-murders-died-alone-in-2017/Colonial Parkway Murders Facebook page with more than 20,000 followers:https://www.facebook.com/ColonialParkwayCaseYou can also participate in an in-depth discussion of the Colonial Parkway Murders here:https://earonsgsk.proboards.com/board/50/colonial-parkway-murdersMind Over Murder is proud to be a Spreaker Prime Podcaster:https://www.spreaker.comJoin the discussion on our Mind Over MurderColonial Parkway Murders website: https://colonialparkwaymurders.com Mind Over Murder Podcast website: https://mindovermurderpodcast.comPlease subscribe and rate us at your favorite podcast sites. Ratings and reviews are very important. Please share and tell your friends!We launch a new episode of "Mind Over Murder" every Monday morning, and a bonus episode every Thursday morning.Sponsors: Othram and DNAsolves.comContribute Your DNA to help solve cases: https://dnasolves.com/user/registerFollow "Mind Over Murder" on Twitter: https://twitter.com/MurderOverFollow Bill Thomas on Twitter: https://twitter.com/BillThomas56Follow "Colonial Parkway Murders" on Facebook: https://www.facebook.com/ColonialParkwayCase/Follow us on InstaGram:: https://www.instagram.com/colonialparkwaymurders/Check out the entire Crawlspace Media network at http://crawlspace-media.com/All rights reserved. Mind Over Murder, Copyright Bill Thomas and Kristin Dilley, Another Dog Productions/Absolute Zero ProductionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/mind-over-murder--4847179/support.

The forensic details from the Idaho student murders are finally public — and what they reveal about Xana Kernodle's final moments is both heartbreaking and remarkable.New court filings show the wound counts for all four victims: Kaylee Goncalves sustained 38 sharp-force wounds, Madison Mogen 28, Ethan Chapin 17, and Xana Kernodle 67. Xana took more wounds than the other three combined. But the autopsy findings go further. Kaylee, Maddie, and Ethan had no blood on their feet — they never stood up. Xana did. Blood on the bottoms of her bare feet proves she moved during the attack.Investigators found blood from the third-floor victims on the stairwell and bannister leading to the second floor. Since Kaylee and Maddie never stood, someone else carried that blood down. The evidence points to Xana encountering Kohberger upstairs, then fleeing — with him chasing her. Police documented defensive wounds between her fingers and cuts to the bones of her hand. She grabbed the blade. She fought until she couldn't anymore.Prosecutors believe her resistance is why Kohberger left behind the knife sheath that contained his DNA — the break that solved the case.We also cover Idaho State Police releasing nearly 2,800 crime scene photos last week, then pulling them hours later. The families had less than 15 minutes' warning — despite a court order already in place. What went wrong, and why hasn't anyone been held accountable?#BryanKohberger #XanaKernodle #IdahoMurders #KayleeGoncalves #MadisonMogen #EthanChapin #TrueCrime #Autopsy #CrimeScenePhotos #HiddenKillersJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Brendan Banfield will die in prison. A Fairfax County jury convicted the former IRS special agent of aggravated murder Monday in one of the most disturbing domestic murder plots in recent memory. The 40-year-old federal law enforcement officer now faces mandatory life without parole for the February 2023 killings of his wife Christine and Joseph Ryan — a stranger prosecutors say was lured to the family home and set up to take the fall.                    The prosecution's case hinged on testimony from Juliana Peres Magalhães, the family's 25-year-old Brazilian au pair who was having an affair with Banfield. She told jurors Banfield wanted to "get rid of" his wife so they could marry and have children together. According to her account, they created fake profiles on FetLife posing as Christine, catfished Ryan into believing he was meeting a willing woman for a violent sexual encounter, then executed him when he showed up.Magalhães testified she watched Banfield stab Christine seven times in the neck, then stage the scene — smearing his wife's blood on Ryan's body to frame him as the attacker. She admitted firing the second shot into Ryan herself. In exchange for her testimony, prosecutors reduced her murder charge to manslaughter with time served.The defense called her a liar who sold out her co-conspirator. They pointed to missing DNA evidence, challenged the digital forensics, and accused investigators of tunnel vision. Banfield took the stand and called the allegations "absolutely crazy." The jury deliberated nine hours and disagreed.We break down the conviction, the evidence, and the appeal that's coming.#BrendanBanfield #HiddenKillers #AuPairAffair #ChristineBanfield #TrueCrime #MurderConviction #JulianaMagalhaes #FairfaxCounty #LifeWithoutParole #JosephRyanJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

The final recorded phone call between Keith Caneiro and his older brother Paul was played for jurors this week—and it captures a man demanding answers hours before his murder. "Give me the f***ing login, Paul!" Keith is heard saying, giving his brother a deadline of 8 p.m. to provide access to a trust account. By the next afternoon, Keith, his wife Jennifer, and their two children—11-year-old Jesse and 8-year-old Sophia—were dead. Prosecutors say Keith had discovered Paul was stealing from their shared businesses and was cutting him off from a $225,000 salary. A neighbor put a timestamp on the killing. Dennis Corpora testified he woke up around 3:20 AM on November 20th, 2018. "I heard the shots, and I said, 'Someone just got whacked.'" He told jurors it was a pistol. Prosecutors say Paul shot Keith four times in the head and once in the back outside the Colts Neck mansion, then went inside and stabbed Jennifer and the children.A detective testified that Sophia had a stab wound to her left eye. Trust account expert Lazaro Cardenas delivered testimony that changes everything: Keith's $3 million life insurance policy was structured so Paul would only benefit if all four family members were dead. According to prosecutors, this is why the children weren't spared. They were allegedly necessary casualties. Hours before the mansion fire, Paul allegedly set fire to his own Ocean Township home while his wife and daughters slept inside. The defense points to a third brother, Corey, claiming police never investigated him. But the murder weapon, silencer, night-vision scope, bloody jeans with the children's DNA, and a go-bag with a passport were all found at Paul's house. Paul Caneiro has been held without bail for over seven years.#PaulCaneiro #KeithCaneiro #ColtsNeckMurders #CaneiroTrial #JenniferCaneiro #MansionMurders #MonmouthCounty #FamilyMurder #TrueCrime #HiddenKillersJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

This episode focuses on the exciting custom clustering feature now available in Ancestry's Pro Tools. Diana introduces the tool, explaining how it allows for the strategic targeting of specific ancestral lines, offering more flexibility than the original clustering tool. She describes Ancestry's process, which looks for matches sharing 65 cM to 1,300 cM with the user, and then finds those matches that also share at least 20 cM with each other. Nicole discusses the key benefits of using custom clusters: they help you hone in on specific ancestral lines, quickly identify groups descending from common ancestors, and work more efficiently at distant generations. Before creating a cluster, Diana reviews critical points from Ancestry, noting that clusters expire after 30 days unless saved to a group and you are limited to 25 clusters in your history. Nicole shares Ancestry's recommended centimorgan ranges based on the generational distance of the ancestor you are researching. She then walks through the four steps for creating a cluster: choosing a target match, selecting four additional "sidekick" matches, setting the centimorgan range, and generating the cluster. Diana provides a real-world example from her Cline family research, detailing how she used a custom cluster with a 20-50 cM range to test a hypothesis about the parentage of John C. Cline. The results successfully separated her matches into distinct sub-clusters that provide additional evidence for her research. Listeners learn practical tips for success, including saving clusters strategically, trying different target and sidekick match combinations, and systematically tracking all experiments in a research log like Airtable. This powerful strategy helps you apply a new approach to breaking down your DNA research brick walls. This summary was generated by Google Gemini. Links How to Use Ancestry DNA Custom Clusters in Your Research – with Video - https://familylocket.com/how-to-use-ancestry-dna-custom-clusters-in-your-research-with-video/ Ancestry Support Article - Matches by Cluster https://support.ancestry.com/s/article/Matches-by-Cluster?language=en_US Ancestry Support Article - Custom Match Clusters https://support.ancestry.com/s/article/Custom-Match-Clusters?language=en_US  Sponsor – Newspapers.com For listeners of this podcast, Newspapers.com is offering new subscribers 20% off a Publisher Extra subscription so you can start exploring today. Just use the code "FamilyLocket" at checkout.  Research Like a Pro Resources Airtable Universe - Nicole's Airtable Templates - https://www.airtable.com/universe/creator/usrsBSDhwHyLNnP4O/nicole-dyer Airtable Research Logs Quick Reference - by Nicole Dyer - https://familylocket.com/product-tag/airtable/ Research Like a Pro: A Genealogist's Guide book by Diana Elder with Nicole Dyer on Amazon.com - https://amzn.to/2x0ku3d 14-Day Research Like a Pro Challenge Workbook - digital - https://familylocket.com/product/14-day-research-like-a-pro-challenge-workbook-digital-only/ and spiral bound - https://familylocket.com/product/14-day-research-like-a-pro-challenge-workbook-spiral-bound/ Research Like a Pro Webinar Series - monthly case study webinars including documentary evidence and many with DNA evidence - https://familylocket.com/product-category/webinars/ Research Like a Pro eCourse - independent study course -  https://familylocket.com/product/research-like-a-pro-e-course/ RLP Study Group - upcoming group and email notification list - https://familylocket.com/services/research-like-a-pro-study-group/ Research Like a Pro Institute Courses - https://familylocket.com/product-category/institute-course/ Research Like a Pro with DNA Resources Research Like a Pro with DNA: A Genealogist's Guide to Finding and Confirming Ancestors with DNA Evidence book by Diana Elder, Nicole Dyer, and Robin Wirthlin - https://amzn.to/3gn0hKx Research Like a Pro with DNA eCourse - independent study course -  https://familylocket.com/product/research-like-a-pro-with-dna-ecourse/ RLP with DNA Study Group - upcoming group and email notification list - https://familylocket.com/services/research-like-a-pro-with-dna-study-group/ Thank you Thanks for listening! We hope that you will share your thoughts about our podcast and help us out by doing the following: Write a review on iTunes or Apple Podcasts. If you leave a review, we will read it on the podcast and answer any questions that you bring up in your review. Thank you! Leave a comment in the comment or question in the comment section below. Share the episode on Twitter, Facebook, or Pinterest. Subscribe on iTunes or your favorite podcast app. Sign up for our newsletter to receive notifications of new episodes - https://familylocket.com/sign-up/ Check out this list of genealogy podcasts from Feedspot: Best Genealogy Podcasts - https://blog.feedspot.com/genealogy_podcasts/

282. Family Sabbath: Pause and Delight with Eryn Lynum   Mark 2:27 NIV “Then he said to them, “The Sabbath was made for man, not man for the Sabbath.”   *Transcription Below*   Eryn Lynum is a certified Master Naturalist, Bible teacher, national speaker, and author. Eryn lives in Northern Colorado with her husband, Grayson, and their four children, whom they homeschool—mainly in the great outdoors. Eryn has has been featured on FamilyLife Today, Proverbs 31 Ministries, Christian Parenting, MOPS International, Bible Gateway, Her View From Home, and For Every Mom. Every opportunity she gets, she is out exploring God's creation with her family and sharing the adventures. To learn more about Eryn, visit ErynLynum.com.   Eryn's Books Eryn's Free Resources Mentioned Nat Theo Podcast   Topics and Questions We Cover: What can this look like to daily align our activities with our deepest values? What do people actually do on this day of rest and what do you recommend for families? Are there any other practical benefits we're missing out on if we neglect rest?   Thank You to Our Sponsor: Leman Property Management Company   Related Savvy Sauce Episodes: 81 Rest with Doctor, Author, and Speaker, Dr. Saundra Dalton-Smith 99 Sabbath Rest with Sandy Feit 175 Practicing Sabbath with Shireen Eldridge   Connect with The Savvy Sauce on Facebook, Instagram or Our Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:09)   Laura Dugger: (0:11 - 1:34) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.   Leman Property Management Company has the apartment you will be able to call home, with over 1,700 apartment units available in Central Illinois. Visit them today at lemanproperties.com or connect with them on Facebook.   Eryn Lynum is my wonderful guest for today, and she's the author of this beautiful book, The Nature of Rest. We're going to discuss all things related to rest, ways that we can prepare for it, how we can enjoy and delight in it, what good gifts God has for us with rest, and then how to reflect well on the rhythms in our life, and so much more.   Here's our chat. Welcome to The Savvy Sauce, Eryn.   Eryn Lynum: (1:34 - 4:03) Thank you. Thanks so much for having me.   Laura Dugger: Well, I'd love for you to start us off by sharing your personal journey and tell why you are so uniquely qualified to teach and write about rest, as stress can literally kill you.   Eryn Lynum: Yeah, that's correct. So, when I was 14 years old, I was diagnosed with a potentially fatal autoimmune disorder. And kind of the context of that season, I was preparing to go overseas for the first time on a missions trip. So, I was going to be in Africa for two months. And so, before you go do something like that, you have to go to the doctor and get a checkup and vaccine recommendations, all the things. And so, my parents took me in.   Again, I was 14 at the time, and we had no reason to believe that there was anything wrong. There were no red flags. Besides, I had been a little tired, a little dizzy once in a while, but really, we just thought, okay, well, I'm growing up, my body's changing. But when the nurse took my blood pressure that day, it was 56 over 48, which is deathly low.   And so, immediately, that's a red flag. And I undergo more testing and hospital visits and seeing specialists. And they diagnosed me with something called Addison's disease. And Addison's disease, it's where your adrenal glands no longer function. So, maybe you've heard of adrenal fatigue, where someone is so taxed out that their adrenal glands can't keep up because they're meant to produce cortisol, which is our stress hormone. Well, Addison's disease is the worst-case scenario where you can't come back from it, barring a miracle. Like, my adrenal glands don't work, and they haven't for over 20 years now.   And so, you know, this system that God has given us meant to cope with stress, and it's that fight-or-flight response. At that young age, I no longer had that. And so, stress became quite literally deadly to me. And at that point, my parents, they began coaching me in biblical stress management, so identifying stressors in my life.   You know, when your shoulders start creeping up, and you can feel that tension in your neck, and knowing that those are signs that, okay, you need to step back, you need to calm yourself. Like the Psalms talk about, “I have calmed and quieted my soul,” and to bring everything to the Lord and cast all your anxieties upon Him. And this is really where I can see, in my life, I developed a very consistent prayer pattern in my life where just all day long, like conversing with the Lord.   And so, that's been a big part of this. But yeah, that's really what began leading me into this deeply restful lifestyle was out of necessity. But really what I've seen since then is God designed all of us to live and thrive through rest. Like this is His original design.   Laura Dugger: (4:04 - 4:27) I love that so much. And you articulate this so well in your book. But before I ever encountered you, I had never heard of the term master naturalist before. So, if you want to share anything about that, it would be great. And as a master naturalist, where do you see these rhythms of rest in nature?   Eryn Lynum: (4:28 - 6:54) So, a master naturalist, it's really a fancy term for nature teacher. And I pursued this because my degree and my passion are in biblical theology. And I've always been passionate about rightly handling God's word of truth from 2 Timothy 2:15.   And I began to see as my own family, my husband and I, we have three boys and a daughter, and now they're 14 down to seven. But when they were younger and we started spending more time outdoors, I started to see, okay, God has given us so many visuals and materials in nature with which we can teach about Him. Coming from Romans 1:20, that His invisible attributes, those things we can't see about God, are clearly perceived through what He has made. And I saw that also Jesus in the gospels, He used nature all the time to teach.   And God throughout scripture, like it's not just Genesis 1, nature narratives are strong throughout scripture. And so, I thought if God and Jesus use this methodology to teach, then certainly we can. And so, that's why I went through this training and taught, teach with this method is because, you know, the more we understand these materials, the more we see of God and the more we can communicate about Him.   And so, I was working as a master naturalist in our city and teaching my own programs. And I started to incorporate it more and more into my book and then later on in my podcast. And at the same time, God was leading my family into celebrating Sabbath. We had come into this season where we were just exhausted, like running businesses and raising and homeschooling kids, like all of us, no matter our circumstances, face this very real human existence of fatigue. And so, we came to a place where rest was no longer optional. It was critical and vital.   And so, I'm living in these two realms of learning about nature while I'm learning about scripture. And then God is bringing us into deep rest. So, I started to ask the question, where do we see rest in scripture? And I found that it is everywhere. The roots of rest run deep and wide throughout scripture. And also asking, where do we see rest in creation in nature? And it's also everywhere there that God designed all these cycles and these rhythms and all of his plants and creatures, even the ones that we think of as so frenetic and busy that God designed them to thrive through rest.   Laura Dugger: (6:55 - 7:04) And will you give a specific example then of something in nature as it's so apparent that it's designed for rest?   Eryn Lynum: (7:04 - 8:28) Definitely. Let's focus on one of those ones that we often think of as really busy, the hummingbird. I opened the book with the analogy of a hummingbird because when you think about a hummingbird, what do you picture in your mind?   Laura Dugger: (7:17 - 7:19) Busy, constant movement in and out.   Eryn Lynum: (7:20 - 8:28) Yeah, exactly. Like they have to visit between 1,000 and 2,000 flowers every day to get all the nectar that they need. And so, they are always like here and there in the next place. And they look like this little thing just zipping through the air and you can't even see their wings beating because they can be up to 70 times a second. It's this blur of motion. And we think about that little hummingbird, and we can sometimes feel like that little hummingbird just zipping from one thing to the next, thinking there's no time to stop.   But the hummingbird does stop. It has a very strategic method of rest called torpor. And torpor is kind of like a mini hibernation where the little bird is going to go into this deep state of rest. It lowers its body temperature by around 50 degrees and becomes completely unresponsive. And this is a regular thing that the hummingbird does, and it enables it to continue its God-given, good, busy, fruitful work. So, it's this picture of, you know, busyness is not bad. God created us for fruitful work, but it's all meant to be sustained through deep, rhythmic, intentional rest.   Laura Dugger: (8:28 - 9:06) I mean, immediately that makes me think of the weeks, even that I'm most productive, I've probably prioritized my sleep the best of it. And if I get great sleep, even if it's extra hours, that doesn't take away from the rest of the day. That probably makes my time even multiplied.   Yeah. Yeah, absolutely. And I love, you point out so many times how God just clearly designed his creation to enjoy this gift of rest. So, you mentioned some of the nature parts. What about some of the foundational scriptural truths on this topic?   Eryn Lynum: (9:07 - 11:52) Yeah, well, of course, where's the first place that we get the idea of rest in the scripture? Yeah, exactly. So, God completes his work of creation and then he rests and he didn't need to rest. Isaiah 40:28 tells us that he, the creator of the world does not grow weary or tired.   I believe that one reason, and I talk about a couple of them in the book, but I believe that one main reason God rested was to stop and delight. That word Sabbath, it comes from the Hebrew word Shabbat, which can mean to both stop and delight. Like think about God finishing his creative work, bringing, bringing everything from nothing. Ex nihilo is that theological term, everything from nothing. Creating not only the animals and the plants, but the textures and the math and the shapes and the like everything he needed to make these things. And I imagine he just wanted to stop and enjoy it. I can even picture him going through creation and listening to the birds and taking in the colors and the shapes of the clouds.   What a beautiful reminder to us, because I know for myself, I'm so prone to just run from one thing to the next, like check it off the list. What's next? But here God is modeling for us. Stop delight, praise him for what he just allowed us to accomplish, to create, to do before rushing on to the next thing.   And so, we get that first mentioned there at creation, but then think about when Sabbath was actually established, there's a framework, there's a structure it's Exodus 16. And the context here is the Israelites. They're doing what they do. They're wandering and grumbling. They're hangry and God shows mercy to them in the form of quail and manna, but he has very specific instructions for them. He says for six days, you shall gather it, but not on the seventh day. Don't go out. It is a solemn day, a Holy Sabbath to the Lord.   That's the first mention of Sabbath, that word in scripture, but consider the Israelites. They had no context for what God was calling them to do. Surely they could think back to the creation story. Okay. God worked and then rested, but they had very little idea of what he was asking them to do. This was an act of faith. God was saying, stop gathering, trust me.   And this is so hard for us because like we are so prone to gather, gather, gather, do produce work more out of this scarcity mindset. But this picture is showing God is a God of abundance and his math works. When we trust him to be the provider, not ourselves. And we take that risk on rest. He provides abundantly through it.   Laura Dugger: (11:53 - 12:05) Absolutely. And within this gift then of rest, how can rest actually reorder and re-energize our lives?   Eryn Lynum: (12:05 - 14:03) I love this question because throughout the book, we talk a lot about reordering and creating margins. So, we can rest and reprioritizing. You know, it's so interesting when we look at the creation narrative, where we get that first mention of rest, because it's backwards to what we normally think.   Think about this. God created for six days and then he rested. Adam, the first human was created on that sixth day. So, Adam's first full day was a day of arrest, dedicated to rest. And in this, we see that God worked and then rested. But we, humanity, we were always meant to begin from rest.   And you see that even in the Hebrew tradition of a day, their day begins at evening. Their day doesn't start with, let's get up and get to work. Their day starts with, let me go to rest to get ready for the work. So, first we have to reorder our concept of rest, not see it as a reward. Oh, I'm going to work, work, work, get all the things done so that maybe I can rest this weekend or on vacation, or when the kids are out of the house or in retirement, that's backwards to the biblical framework. We are meant to begin from rest.   So, starting there. And as we do that, my family has found after sabbathing for three and a half years now, everything else kind of falls into place. And that happens when you operate by God's design. You know, rest allows us to tend to the most important things. Those deep values, whether like that should be of course, faith and family. So, getting clear on your values is really important. Like what is most important to your family faith? Maybe it's community generosity. Maybe it's physical health, mental health, all these things do better. And we have more time to tend to them when we first make room and space for rest.   Laura Dugger: (14:04 - 16:28) And now a brief message from our sponsor.    With over 1,700 apartment units available throughout Pekin, Peoria, Peoria Heights, Morton and Washington. And with every price range covered, you will have plenty of options when you rent through Leman Property Management Company.   They have townhomes, duplexes, studios, and garden style options located in many areas throughout Pekin. And make sure you check out their newest offering, the McKinley located in Pekin is a new construction addition to their platinum collection featuring nine foot ceilings, large spacious layouts, beautiful finishes, such as courts, countertops, and garages. You won't want to miss this outstanding new property in Peoria, a historic downtown location and apartments adjacent to OSF Medical Center provide excellent choices.   Check out their brand new luxury property in Peoria Heights, overlooking the boutique shops and fine dining on prospect. And in Morton, they offer a variety of apartment homes with garages, a hot downtown location, and now a brand new high-end complex near Idlewood Park. If you want to become part of their team, contact them about open office positions.   They're also hiring in their maintenance department. So, we invite you to find out why so many people have chosen to make a career with them. Check them out on Facebook today or email their friendly staff at leasing@lemanprops.com. You can also stop by their website at lemanproperties.com, check them out and find your place to call home today.   It never ceases to amaze me how God's economy and his math are just different. Sometimes upside down from ours, but I feel like when you're speaking, it reminds me of Matthew 6:33, “But seek first the kingdom of God and His righteousness, and all these things will be added unto you.” So, if we actually obey, I think there are so many blessings that we can enjoy from this gift of rest. So, you're talking about our values. Then what can this look like to daily align our activities with our deepest values?   Eryn Lynum: (16:30 - 18:30) Yes, this is an ongoing practice because the enemy is always trying to distract us from what is most important. And that word there is key distract. And so, first we have to learn to identify those distractions, the things that are pulling us away from what is most important, but you know, getting to those core values and on my website, I have, my husband and I developed a family values guide that helps you step by step to really figure out what are our deepest values.   So, that's erinlynum.com/values. But really what it is, is this practice of getting clear on God's best for, for us and for our families and for those around us and, and making sure that we are aligning and realigning because it's going to get out of alignment, those values with God's agenda. You know, a lot of days I just start my day with a restful pause.   I call them in the book, Selah pauses. And I am quite literally, I am sitting before the Lord, my eyes closed and my hands just up in this posture of surrender and receiving. And I will say, Lord, I am surrendering my own agenda, my own expectations for this day. And I want to receive your power, your presence, your peace. And then throughout the day, just taking those checks.   Like I practice these daily Selah pauses and moments of rest because think about Selah in the Psalms. It can mean to pause, to contemplate, to redirect. And we need to do that often because as a day goes on, I think we lose energy and focus. You know, at the beginning of the day, we might feel really like focused. And this is what I'm getting done today. And that can waver like that can wane out as the day goes on. And so, constantly just checking back in.   Okay, Lord, what is it you have for me to do today? And how do I tend to those most important things? But you have to take that restful pause to be able to do that.   Laura Dugger: (18:31 - 18:46) That's good reminder. Okay. So, to check back in with the Lord and then can you give another example of one family and what their value is and how they live that out in their daily life. And maybe even what requires us to say no to.   Eryn Lynum: (18:47 - 20:15) Ooh, that's a fantastic question. Hmm. Can it be for my own family or do you want me to give them love it from your own family?   Okay. I was asked this question recently. Someone asked me, how do you make time to be outside as a family? One of our core family values is to be out exploring in God's creation. And this has been harder in different seasons. And we have two middle schoolers now, you know, we are, we have a lot going on.   And so, it can very quickly happen where at the end of the day, we're like, wow, we really didn't spend much time outdoors today, but how we prioritize this is you do have to say no to other things. So, we're a homeschooling family. And just as an example, it can be very tempting to feel like, am I doing enough? Am I teaching them enough? We need to check off all these boxes and get the lessons done. And it's constantly surrendering that and realizing, you know, I know that our value of being outdoors is important to God. I know that he is meeting my children there. He is meeting me there. He is giving us rest and rejuvenation there.   So, trusting with that, again, going back to the Israelites, stop gathering, stop checking off all the boxes, stop trying to provide and meet your own expectations. And instead stay super focused on what God has called you to and ruthlessly get rid of the rest, anything that's keeping you from that.   Laura Dugger: (20:16 - 20:36) I love that personal example. Thank you for sharing. And how can we also in our own families or in our own life, how can we distinguish which activities are vital for the abundant life in Christ that he offers so that we don't settle for less?   Eryn Lynum: (20:38 - 22:46) I love that you bring up that, that term, the abundant life. In John 10:10, that Christ came, that we might have life and life abundantly overflowing to the fullest, like brimming over is what that word means. And that scripture also says the enemy comes to steal and kill and destroy.   And I believe that one of the enemy's biggest schemes and methods for that is to send us into hurry and hustle mode. And he does that through distraction and discontent. And so, so much of this is pressing back against distraction and discontent and getting back to how God created us to thrive.   And again, I believe that that is through this, this gift of rest. You know, you talk about, you asked about settling for less. The enemy is going to put a million things in our life that would cause us to want to settle for less.   Let me give you an example of him trying to distract us. There was a recent weekend where we were coming up on the weekend, and I had several friends reach out and ask about me doing these things like these different opportunities coming our way. Like, do you want to do this? Do you want to do this? And each of them were for on Saturday and that's usually when our family Sabbaths. And so, I had this tension because these were good things.   It's hard to say no to a good thing, but I kept feeling again and again, the Lord saying, no, rest with your family, rest with your family. And it was so sweet because come Saturday morning, I was out on our back deck sipping coffee with my husband for hours, having incredible conversations, reading great books. The kids are playing in the yard.   Several times I caught myself thinking, I almost said no to this by saying yes to other things. And again, they were good things. This life is full of good things, but God's rest is one of the best things for our families. So, it's learning to be okay with saying no to those good things. So, you can say yes to that better thing.   Laura Dugger: (22:48 - 23:17) Examples are so helpful. And that requires a level of discernment and going to the Lord to ask him, but I'm wondering if you even have a system in place for how you discern that, or is it a gut piece that you follow or any practical ways that each of us can discern what's the right kind of busy that's good. And what's the wrong kind of busy and the things that we want to say no to.   Eryn Lynum: (23:18 - 25:05) Yeah. Going back to, again, busy is not bad. God created us for fruitful work, but I think, you know, when we are following Christ and God's spirit is within us, he's going to give us that sense of this is the right kind of busy.   This is the wrong kind of busy. And practically, you know, if it has any notion of distraction, like if you're doing this thing to just distract you or to procrastinate on better things, if it has a note of busyness, you know, some people will be like, well, some people, the enemy makes us want to think that sitting on our phones can be restful because you're not technically doing much of anything, but that distraction is stealing God's true gift of rest for us.   And so, you know, our family, as we practice Sabbath throughout the week, I know that come Saturday, we have a full day of rest. And sometimes it's tempting to add a little work into there, to let it seep out of those edges of the work week and kind of into our Sabbath. And as you practice this more and more and begin just ruthlessly protecting that time, whether it's a full day, whether you start with a half day, God is going to make you more sensitive to those things. Because sometimes I'll like work it out in my mind, like, oh, this isn't work. And really like it's definitely, it's definitely trying to serve my work during the work week.   And God is saying, no, like step away from that and allow me to refresh and rejuvenate your spirit so that when you go back to the work, you do so much more powerfully energized, restful, and ready to do that work to the very best of your ability with God's power.   Laura Dugger: (25:07 - 25:36) That reminds me of a previous guest I'll link to. He did two episodes, but Jeff Henderson just said he's a pastor too. And he said, sometimes the most spiritual thing you can do is take a nap.   I would agree on that, which you've kind of been sharing a little glimpses of your family's experience with Sabbath, but let's just zero in on Sabbath and I'll just try and go through a series of questions. But first what's the importance of Sabbath?   Eryn Lynum: (25:37 - 26:55) Well, first God commands it. Like if God commanded it, then surely it's important, but that can also sometimes cause us to get a little legalistic about it. What is it? What isn't it? Well, it is meant to be a gift, meant to be a blessing. It's meant to empower us and what God created us for and calls us to.   And so, keeping that just center, this is meant to be a gift, but we see it all throughout scripture, the importance of rest and rest in God's design. It's celebration. Like it's not idleness. It's not doing nothing. Although sometimes like that's the most beneficial way that we can rest. Like you talked about a nap.   I love a good nap on Sabbath, but also it can be energizing activities, inspiring activities. I also love a good long walk on Sabbath. Sometimes I love cooking with fresh ingredients and working on a meal during Sabbath because I don't get much opportunity to do that during the week. Sometimes I love going out and working in the garden because that's life giving and I don't have time to do that throughout the week. And so, getting back to this concept, this idea of Sabbath and rest are celebratory. Like when we do it well as a family, it feels like a mini vacation every week.   Laura Dugger: (26:56 - 27:15) Ooh, I love that. My husband said that before about date night and I connect with that, that it's a little mini reprieve, a mini vacation each week. But then that leads me to the question because I bet so many people share their Sabbath activities with you. What do families actually do on this day of rest?   Eryn Lynum: (27:16 - 31:46) Yeah, that's a great question. And first I'll say that it should look different from family to family. We are all in unique seasons. We have different stories, different scenarios. Again, if you can't start with the full day, now I strongly believe strive and work toward that full day. That's God's design.   And we've seen the most blessing from that. But if you have to start smaller with a half day with four hours, start there. So, it's going to look different. If you have newborns, like a newborn child, it's going to look different and that's okay. No going into it, that it's going to be messy. Hebrews says strive toward rest, work toward rest. It's so counter-cultural. We have to work toward it. So, just going in, knowing these things is very helpful.   It's also going to grow, adapt, and change throughout the seasons. Our family has seen that. But a typical Sabbath for our family right now is we follow the traditional Friday evening to Saturday evening for the most part. Some people ask me, why not Sunday? Isn't Sunday the Sabbath? Well, for us, Sunday is set aside for church community and fellowship and corporate worship. And that's so life-giving to our souls. But by the time I get home from church and I'm making lunch for the family, like I'm not rested physically. So, we needed a separate day set aside for rest.   And so, Friday afternoon, we start preparing where we're going to band together and just pick up the house, get it ready, wash all the dishes and just start preparing our hearts, our minds, our bodies, our home for rest. And then we start Friday evening with communion as a family, just breaking bread and celebrating what Christ did on our behalf. And again, that, that idea of celebrate, and this marks it as special. Okay. We're heading into Sabbath. Some families will like light a white candle for Sabbath, just really marking it. And then we have, we toast to the week. So, we'll pour sparkling juice and just toast and say, “Hey, what did we see God do this week?” Like going back to that idea of stop and delight, we are setting a hard stop to the week. We are delighting. What did we see God do? What did he help us overcome? What can we thank Him for from this past week? And then we'll do an easy dinner. Think tacos, take and bake pizza spaghetti.   We use paperware, which is a bit controversial since I work as a master naturalist, but it has been an easy button for Sabbath that I'm not worried about like dishes piling up on the counter. And then we'll, we'll wrap it up with a sweet treat like ice cream and then our kids go to bed, or they'll listen to audio books. Audio books have been massive for our Sabbath because they're screen-free because we do put away all screens and work like devices on Sabbath, but they can listen to good books.   And my husband and I, we read, like people ask me, when do you find time to read? You don't find time to read. You have to make time to read. And for us, that's on the Sabbath mostly. And then Saturday we sleep in, we get up pretty early during the week and the kids just know like you don't wake mom and dad on the Sabbath. Like that's their day to sleep in.   Again, if you have a newborn or young children, that's gonna look different and that's okay. But for us, that's the season that we're in and our kids, they'll make themselves first breakfast and then eventually we'll get up and we'll join them for a second breakfast or some Sabbath. I don't want to cook at all. And so, it's just take and forage. And you know, I usually have a grocery delivery the day before or go to the grocery store and make sure we just have a ton of good stuff in the house. So, no one's, you know, everyone has what they need.   Then the rest of the day, it is just a day of delight. Reading books, playing games, being out in creation, visiting with neighbors, having great conversations together. Sabbath is this space where you get to do all those things during the week that you're like, oh, I wish I had time for that and you just don't get to them. Like recently my daughter during the week, she really wanted me, she's seven. She wanted me to sit down and watercolor paint with her, which I love doing, but it was a really busy week. And I just didn't have the space.   And so, I told her like, “Hey, I would love to do that. Can we do that on Sabbath?” And she was so happy with that answer. And come that Sabbath a few days later, she remembered, she came up to me. She's like, mom, it's time to paint. And she got all the supplies, and we went and sat outside at our picnic table and painted for the afternoon.   You know, Sabbath does so much for me as a mom to remove that guilt of the things I don't feel like I have time for because I know, and my kids know, Sabbath is coming and that's our day to be together and do those things.   Laura Dugger: (31:47 - 31:57) Hmm. Okay. That makes me curious. Then to how much of a vote does everyone in the family get for what Sabbath will look like?   Eryn Lynum: (31:57 - 34:02) Oh, that is a great question. No one's ever phrased it to me like that before. I love that. What we found that's been important to keep in mind is that we all individually find different things, restful and inspiring. I'll give you an example. One Sabbath, my husband, especially in the spring, he loves to work in the yard on Sabbath because he spends most of his week. He runs a construction company on the computer or on the phone. And so, in the spring, he wants to be out in the yard and trimming his fruit trees and just working with God's creation. And so, one Sabbath he comes and he has like the clippers in his hand and he's like, “Hey, let's go work on the yard.”   And I was like, that's great. You do that. I'm going to go read my book in the hammock. And I fell asleep for two hours while he worked on the yard. And so, a lot of this is being okay that yes, a lot of it's going to be together. Like I talked about, we did, we do communion together and we do meals together. And a lot of times we'll be out on a hike together. That's a favorite Sabbath activity. But a lot of times we're also doing separate activities.   The kids are enjoying their books or their audio books or their painting or their, uh, visiting the neighbor kids. And my husband and I are reading books on the back deck. And so, it's okay that there's going to be some together time and some separate time, you know, just being flexible with it. Like our first year of Sabbath, we went, we had to go like hardcore. We had to learn to stay. I think about in the book, I talk about the word abide meno in the Greek and it can mean to stay, to dwell, to remain.   So, we've spent our first year of Sabbath, not getting in the car. We stayed home and learned to just be home together. And after that year, we started to miss our time. We live in Colorado, missing our time hiking in the mountains. And so, we changed it. We said, okay, well, toward the end of Sabbath Saturday afternoon, Saturday evening, let's go hike or let's go have a picnic in the wilderness. And just being open to that, that God's going to change you as a family and change you individually. And just growing up in a Sabbath practice together.   Laura Dugger: (34:03 - 34:20) I like the freedom that you're communicating there. And then when you mentioned the neighborhood kids, it makes me curious. Do you encourage community for some of those who recharge with other people? Would you recommend Sabbath thing with others or just keeping it your family?   Eryn Lynum: (34:21 - 36:16) Absolutely. We love inviting others into Sabbath. And it actually started with, we started our Sabbath practice. It was so sweet because God convinced us to do this. And then our first Sabbath was on January 1st. That happened to be the first Saturday that we did it. So, it was like this fresh start. And right around that time, we had moved to a new neighborhood. And our neighbors near us are Messianic Jews.   And they follow Shabbat, the traditional Shabbat. And they invited us into that. It was the sweetest evening, and they have children, young children, like we do. So, like there's chaos and there's mess. And then there's sweet times of singing together and scripture reading. And they follow it much more the traditional method than our family has.   But it was so sweet to be invited into that and to get a picture for how to invite others into this rest. And so, absolutely, we encourage, especially our kids having friends over. And we do usually ask parents, hey, can you drop them off? And then we can bring them back maybe like later that day toward the end of our Sabbath. Or if you want to come pick them up. Because again, we like to just stay home if we can.   But our kids are to the point now too where they can ride their bikes over to friends' houses. And we're fine with that. They might not be home on Sabbath once in a while. It's not a regular thing. But they're getting fed. And we know that the people they're with are people who share our values, people that we do life together.   We love having bonfires in the backyard on Sabbath. Now one thing I have to be careful of is I don't want to invite people over and feel like I need to host or clean up first. And so, for one, we don't have full families over a whole lot on Sabbath because I just don't want any sort of self-induced, self-imposed pressure.   But sometimes it's so much fun to just be like, hey, let's go meet at a park and have a picnic dinner. Or let's have a family over and do a bonfire. Just making sure that you're keeping it really, really simple if you are going to incorporate community.   Laura Dugger: (36:17 - 37:54) Guess what? We are no longer an audio-only podcast. We now have video included as well. If you want to view the conversation each week, make sure you watch our videos. We're on YouTube, and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com.   Some of these things, like you said, “They do require forethought where you have the groceries coming or certain things in place. And I think you even refer to it as a sacred striving.” So, it's important for us to learn more about that. And here's a quick story.   I just remember we've moved states quite a few times in marriage. But when I was a young mom, there was a mom in the next season of life, and she had more kids than we did. And we went to church together, and she was just like, “Oh, we learned about Sabbath. That's not a thing for moms with multiples.” And I always wrestled with that, and I love her. She's a wonderful person. Maybe she's even changed her stance on that, so it's not to speak ill of her. But I do think that we can struggle with that because that's not an actual truth. I do think that's a message from the enemy.   So, I guess this is a two-part question. How do we protect ourselves from buying into a storyline that is not true that may hold us back from Sabbath? And then also, what is kind of the both and? It's both restful, and it requires a lot of work up front to make this a reality.   Eryn Lynum: (37:55 - 41:19) It does, and knowing that, that it is going to take work, but God's going to bless it. Think about Isaiah 55:10-11, that says, “Just like the rain and the snow go forth and produce life and bring forth life from the land, so my work goes out and does not return void or empty. It produces that which I sent it out for.”.   That is true for Sabbath and rest because, again, we find it all throughout scripture. So, know that it's going to take hard work, but God will not allow it to return void. He will bless our efforts as we step into His design that He created us for.   I talk about in the book a few ways that you have to prepare mentally, physically, and spiritually. So, mentally, for me, I have to just totally remove anything mentally that's going to distract me from rest. So, I own a business, and so a lot of my work is on the computer and on the phone. I will answer, so this is like Friday, I'll answer any lingering emails, those ones that are going to be on my mind if I don't get to them. And then I put an away message on my email. So, if anyone emails me on our Sabbath, it sends an automatic reply that says, hey, thanks for your message. My family's resting. It has a little blurb in there about Sabbath. I'll get back to you in the new week.   That gives me permission to not even look at my email. In fact, people expect that I'm not looking at my email if I'm keeping my word. And so, this has just freed me up mentally to step away, and then I literally put my laptop in my closet.   With my phone, I set it to a Sabbath mode, and you can create these different focus modes if you have a smartphone, so that I can only receive messages from my mom in case of emergency. And our people, our friends, they all know this now. Like, oh, I'm not going to hear back from Erin because it's Saturday for the most part.   And so, these little things that you might just need to mentally prepare yourself. And then physically, that goes back to preparing our home. So, this is not a deep clean that we do prior to Sabbath. It's just tending to the things that are going to distract me if we don't get to them beforehand. So, again, washing all the dishes and having the kitchen clean, vacuuming. Like, that's like just a hack to make the house feel clean is I feel like it's clean if it's vacuumed.   So, just these little things, and then physically also doing that grocery order. And I have a free Sabbath guide on my website, erinlynum.com/family-sabbath. And it walks you through creating your Sabbath grocery list so that every week you have what you need in the house. These little things that truly make it, Sabbath easier and more successful.   And then preparing spiritually, going into this, like a lot of times I'll know, okay, I'm going to study this on Sabbath. For our first year, I just had like this stack of books on Sabbath that I would work through on our Sabbath. Right now, I am parked in Genesis 1 and have been for weeks. And so, just preparing spiritually, you know, this is a time of communion with our creator, with our heavenly father. And so, just having an idea of, you know, this is how I want to spend time delighting in God on the Sabbath.   That might be a long walk. That might be time in the word or time of worship but making sure that that is a keystone part of your Sabbath practice.   Laura Dugger: (41:20 - 41:45) And, you know, it really is possible. I just think so many of us celebrate holidays and we do the same thing where we plan, prepare, prioritize ahead of time so that we can delight in that day. And what a gift to get to do that weekly. So, with all of these amazing benefits, why do we still resist God's design for rest?   Eryn Lynum: (41:46 - 43:00) Because we live in a fallen world, broken by sin, and the enemy wants to do everything he can to keep us from this. This is God's design and our faith, and our souls and our families flourish in this design. And so, the enemy is going to do whatever he can to keep us from it.   He's going to insert fear. He's going to insert distraction. He's going to insert doubt. You know, when we started this practice coming up to it, I was thinking, there's no way, like how are we going to get everything done in one last day a week, all these doubts. And yet what we found so quickly is that as we took this step of faith, we quickly became so much more productive and effective and creative during the work week, because we were starting from rest and following God's design.   We resist this because it is counter-cultural. Everything in society is set up against us doing this and succeeding in this. So, again, going and knowing that our war is not against flesh and blood. It is against the powers of the spheres, like things unseen. The enemy is against us, but God is on our side. And as we step into his design, he's going to make much of it.   Laura Dugger: (43:01 - 43:12) Okay. So, if we are convinced and we want to give this a try, what is a practical first step to just obeying this and receiving this gift of rest?   Eryn Lynum: (43:13 - 45:23) Yeah, super practical here. Two first steps. The first is to set a day and time. Now you're not committing to this forever. And again, if you, if a big hesitancy here is I can't do a full day. Okay. Work and pray toward that but start smaller. If it's four hours on a Wednesday, guard that time. Ruthlessly guard it. Don't let anything be written on the schedule besides that.   So, set a day in time and then write two lists. This is going back to the idea of stop and delight, right? Your stop list. These are things that send you into hurry and hustle mode, things that are related to normal work, things that feel heavy. Some of them are so important.   Again, our work is important, but this is going to be things like devices, media, regular work, answering emails, phone calls. It might be driving in traffic. It might be spending money. Write down those things that feel heavy. That's your stop list. The things you're not going to entertain on that day or that time.   And then write your delight list. This might be hard at first because what I've found with myself, with many of us is that we forget what we delight in but causes that childlike sense of play and wonder. This is learning to be human again, coming back to those things.   So, it might be playing music or listening to music, working with fresh ingredients, reading a good book, writing by hand, watercolor painting, going for a walk. What we find is that a lot of people who spend time during the week in front of a computer want to be outdoors on the Sabbath, but people who run a landscaping company might want to be inside with a great book. So, just writing down those things that are, again, those things that you think during the week, oh, I really wish I could get to that.   Only we don't. Those are your delight list. So, now you have a day and a time. You know what you're not going to do, what you're setting aside, even physically, that should probably most definitely be your phone. Stick it in a drawer. I have my Sabbath drawer where I put my phone, and then you know what you're going to do and spend that day on.   Laura Dugger: (45:24 - 45:47) That's so good. And for those who have been listening for a while, they could even put their phone in their RO box, and I could link to that episode as well with Joey Odom. That's incredible about where our phone could be in its right place.   But Eryn, are there any other practical benefits that we might be missing out on that you've seen as a result of this Sabbath rest?   Eryn Lynum: (45:48 - 49:44) One of my favorite benefits is how it unlocks our creativity. Whether you work in a career or position that you consider creative or not, God designed all of us to be creative, to produce. And so, what I have found is that my work, my work is very in that creative sphere, writing books, creating podcast lessons for children.   It's very creative work. And I've found that Sabbath is this day where God gives my mind rest. It's so incredible thinking about how he wired our brains to thrive through rest, and science points to that that a restful mind is better at problem-solving, connecting ideas, remembering details.   And so, as my mind is allowed to rest on Sabbath, and I'm out on a walk in nature, or I'm reading a good book, or I'm writing by hand, when it comes time to sit down at the computer Monday morning, I am ready. I am flowing with ideas. They are there.   And I'll give you an example. This one isn't from Sabbath. It's from one of my daily rest rhythms that I call Selah Pause, and that's a walk in the morning. And this might be a little controversial, but this is not an easy stroll. I have my rucking pack on, and I'm trekking up a hill, which is not physically restful, of course, but it's mentally restful for me. I love it.   And so, it was in January, so it's frigid out, and everything's covered in snow, and I'm in all my snow gear, and I'm trudging up this hill. And at the time, I was dealing with a problem in my podcast where it was a good problem. We had spent the month teaching about God's designs in the human body. So, we had taught kids about God's designs in cells and DNA and the heart and the brain, but I didn't want to just let this series end. I wanted to wrap it up in some powerful way, and I didn't know how. So, I could have stayed home that morning and hashed this out and been at the computer, and how should I end this thing?   Instead, I went on this walk, and God just dropped this idea in my mind. And it was this idea. He said, ask the kids how they are wonderfully made. And that was the top. The theme was wonderfully made. And so, I put it out there to my email list. When I got back from that walk, I said, hey, I would love to hear how you kids believe you are wonderfully made by the creator. And I opened up this little voice mailbox on our website, and I didn't know if anyone would respond. And then I'm like, what if they don't? And then I don't know what to do because I said I'm going to do this thing.   I tell you, message after message came in from children from ages. I think it was three or four up to 14 from all over the world. And I was weeping as I edited that episode. I had planned to add something at the beginning and the end to build out this episode. I didn't do that because it was, I believe it's 22 minutes straight of children saying, this is my name.   I'm five years old. I live in England and I'm wonderfully made because God made me to read well or God made me fast. Or one little boy shared, he said, I know I'm wonderfully made because my mama lost a baby before me. And I'm here and I'm wonderfully made. And I'm weeping.   And this idea that God gave me, I would have missed it if I hadn't taken that pause to be out in his creation walking that day. And so, that's a very roundabout way to get back to your question of what are the other benefits? We hear from God when we make time for rest. And if we keep just rushing and hurrying, I'm concerned that we are walking by so many opportunities to hear from his spirit and to let him unlock that potential within us.   Laura Dugger: (49:45 - 50:22) Oh, I love that. And I'm even reminded of one other thing that you write in your book that today, one way we can practically experience his original design of rest is by stepping outside. And you're full of tips and ideas like that, but I so appreciate those stories.   So, you've equipped us with this foundation of rest and ways that we can prepare for it, how we can enjoy and delight in it. And so now, Eryn, how can we reflect well on our rhythms of work and rest?   Eryn Lynum: (50:25 - 53:19) So, much of this is reflection. So, much of this is stopping to consider where God is at work in our lives, where we need to recalibrate, where we need to realign, where we need to step back into his pace because we're trying to run ahead of him. And one way that we can see it, you know, like you might ask the question, am I at rest? Even me sometimes on Sabbath, I'm like, am I doing this right? Like, is this actually restful? Is this what I'm supposed to be doing?   I think we can answer that question by the fruit in our lives, the fruit inside of us that God is producing and the fruit that we are producing. So, one thing I kind of sum up the book on is this question of, are you growing in truth and love? Because the enemy, when he gets us away from God's rest and into hustle, into distraction and hurry, we are not fully experiencing God.   And so, our levels of experiencing his love and offering it to others is going to suffer. Our experience of hearing his truth and living that truth out in our lives is going to suffer. And so, the opposite is true that as we live at rest, this whole concept of abide, that is living at rest, not just these rest practices, but living at rest in God's restful presence, we are going to be producing more love and more truth.   So, that's like a key visual. And then I love on that idea of abide. We spent a whole week on abide in the book and, you know, John chapter 15 being the abide passage. And what we see there is there's these 11 mentions of that word abide. And they all refer to us abiding in Christ, Christ abiding in us, God's word abiding in us. So, all this connectivity between Christ and God and us and his word.   But then it's, I think it's verse 16. There's a different mention of meno, abide. And it says that he wants us to go out and produce fruit that abides. So, this is different. It relates to our fruit and that word abide. Yes, it can mean dwell, remain, stay, but it can also mean continue and endure.   God created us to produce fruit and fruit that endures. Doesn't rot, doesn't fade, but continues into eternity. So, we can look at, okay, am I personally in my spirit? Am I growing in truth and love? Because God's spirit actually has the space to minister to me when I rest. And is that rest directly affecting the fruit of my life?   These are key things that we can look at and ask to see. Are we truly living from God's rest?   Laura Dugger: (53:19 - 53:53) I love questions so much. And that's so good to reflect then on the fruit that's being produced. And a mentor many years ago said, you never reap what you sow in the same season. So, that's a great place to even begin just reflecting. What did we do in the past season and what fruit are we reaping now? And where do we want to go then from here?   And one place we could go from here after this chat is to follow you. And you've mentioned your podcast. Do you want to elaborate on all the places that you're available?   Eryn Lynum: (53:54 - 55:03) Yes, thank you. So, the new book, The Nature of Rest is available wherever you get your books, along with my second book, Rooted in Wonder: Nurturing Your Family's Faith Through God's Creation. And that's all about taking our kids or grandkids, the next generation outside and reconnecting the dots between creation and creator. Really returning nature study and time outdoors to its proper place as theology and the study of God.   So, those are available anywhere, including Amazon or my website, which is my name, erynlynum.com. And then my podcast is Nat Theo, short for Natural Theology. It's nature lessons rooted in the Bible. It's a podcast for kids and families where we dive deep into science and all the design and intelligence we see in creatures and plants. And we tie it all back to biblical truth so that our kids are learning science and theology at the same time.   And that's available on any podcast platform, Apple Podcasts, Spotify, Amazon Music, right on my website, erinlynum.com, as well as YouTube. We actually provide visuals so you can watch what you're learning about as well.   Laura Dugger: (55:04 - 55:22) So, incredible. We will add links to that in the show notes for today's episode. And Eryn, you may already be familiar. We're called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for you today, what is your savvy sauce?   Eryn Lynum: (55:24 - 56:34) I love this question. And this is one that actually I was like, oh, I'm not asked this much. I'm going to have to really think deeply on this one.   It's get outside every day. That seems so simple, even though it's not really simple in practicality. But one thing I've learned through rest and through time outdoors is that 10 minutes matters. Like if you think I don't have time for this, but you have a 10 minute slot, go for a walk and see how God just communes with your spirit. Even in the dead of winter, if you live somewhere cold, like if it's safe to do so. For me, I had to buy like the best pair of snow pants I could find because I used to really dislike the winter. And I would just become like really down in those winter months.   And so, God just convinced me, don't go outside every single day if it's for 10 minutes. And then pretty often he just extends that. Like I think I'm going out for 10 minutes. And sure enough, I'm like playing with my kids outside. It's much longer.   But yeah, as best as you can, just prioritize that. If you have to do it first thing in the morning to make sure it happens, go for a walk and watch the sunrise. And God is going to minister to your soul through his creation.   Laura Dugger: (56:35 - 56:54) Amen. Amen. That is so good.   And this conversation has been so rich. Eryn, it is just very clear you have filled up on the Lord Jesus Christ, and you have just poured out goodness and love and truth for all of us, all over all of us today. So, thank you for all that you shared. And thank you for being my guest.   Eryn Lynum: (56:55 - 57:03) Thank you. Thank you so much for that encouragement. That means a whole lot to me. So, thank you. And for the opportunity for a great conversation.   Laura Dugger: (57:03 - 1:03:10) I really enjoyed it.    One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin.   This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”   So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you.   Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray.   Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him.   And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started.   First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

Ryan and Brant check into the Residential Suite, with guest J. Ghaphery! . . . YOU DON'T KNOW MOJACK is a podcast dedicated to exploring the entire SST catalogue, in order, from start to finish. During the podcast we will discuss all the releases that are part of our core DNA, as well as many lesser-known releases that deserve a second chance, or releases that we are discovering for the very first time (we actually don't know Mojack!). First and foremost we are fans, and acknowledge that we are not perfect and don't know everything – sometimes the discussion is more about a time, place, feeling, personal experience or random tangents, and less about the facts (but we will try to get to the facts too). Facebook: www.facebook.com/mojackpod/ Twitter: @mojackpod Instagram: www.instagram.com/mojackpod/ Blog: www.mojackpod.com/ Tumblr: www.tumblr.com/blog/mojackpod Theme Song: Shockflesh