Podcasts about DNA

In a special crossover episode of RCP and BCWC, Jim, Maureen, and Kathy come together with special returning guest Bill Thomas and Kristen Dilley (of the podcast "Mind Over Murder"), to discuss breaking news regarding the Colonial Parkway Murders and other killings connected to it, which was discovered through DNA. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The word “terrorist” wasn't coined on September 11, 2001, but the defining event of the early 21st century ushered it in as the United States' go-to term for demonizing outsiders and dissenters alike. The so-called “war on terror” transformed the way the U.S. wields power at home and abroad, enabling mass surveillance and a crackdown on the right to free speech. It became reflexive for the U.S. to disparage immigrants and protesters as supporters of terrorism.President Donald Trump has embraced this model and manipulated it for his own ends, as author Spencer Ackerman points out. The Trump administration often peddles spurious accusations of terrorism against the targets of its immigration raids.“There's nothing about any of their action that's remotely anything at all like terrorism,” Ackerman says. “But that is the fire in which ICE, CBP, and the Department of Homeland Security was forged. You are going to find this in its DNA.”This week on the Intercept Briefing, host Jordan Uhl speaks with Ackerman, a leading expert on the concept of terrorism and its weaponization by the state. Ackerman's 2021 book, “Reign of Terror, How the 9/11 Era Destabilized America and Produced Trump,” traces the legal and cultural evolution of the last 25 years, and how the boomerang has come back home.“Before 9/11, not only was there no ICE, there wasn't really much in the way of a robust internal mechanism for finding and deporting people who were in the country illegally. When it did exist, it was for people who were serious criminals, traffickers, and so on,” says Ackerman. Now, he says, the contemporary terrorism paradigm has transformed immigration enforcement into something “operating like a death squad.”“What we are seeing on the streets of Minneapolis is what ICE has done to the undocumented for a very long time,” he says. “And now we're seeing this happen to white people on the streets of Minneapolis for little more than filming ICE.” With the recent killings of Renee Good and Alex Pretti, “I worry that a tremendous amount of our political system is geared toward either, on the Republican side, rationalizing it, justifying it, or on the Democratic side, pretending as if this is some kind of abuse that can be exceptionalized, rather than something that has to do with this 25-year history of coalescing immigration enforcement in the context of counterterrorism.”As Democrats in Congress struggle to leverage DHS funding for changes to ICE policy — like a ban on face masks for ICE agents, an idea on which they've already softened — Ackerman says the parallels with the early 2000s are clear.“We can't move in reformist directions when the thing talked about being reformed laughs at killing Americans,” advises Ackerman. “Reformist politics under two Democratic administrations got us to where we are now. These are accommodationist politics, and the thing being accommodated wants to kill you.”Listen to the full conversation of The Intercept Briefing on Apple Podcasts, Spotify, or wherever you listen. If you want to support our work, you can go to theintercept.com/join. Hosted on Acast. See acast.com/privacy for more information.

In a special crossover episode of RCP and BCWC, Jim, Maureen, and Kathy come together with special returning guest Bill Thomas and Kristen Dilley (of the podcast "Mind Over Murder"), to discuss breaking news regarding the Colonial Parkway Murders and other killings connected to it, which were discovered through DNA.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Savannah Guthrie's 84-year-old mother Nancy was taken from her Tucson home against her will. Forced entry confirmed. DNA evidence recovered. Ransom notes demanding bitcoin sent to media outlets including TMZ. The FBI is now involved, and no suspects have been publicly identified.Criminal defense attorney Eric Faddis breaks down what investigators and prosecutors are likely building behind the scenes—and what a defense would look like if charges are ever filed.The ransom strategy is unusual. Whoever sent those notes went to media, not family. That decision creates immediate legal exposure regardless of whether the sender is the abductor. The notes reportedly contain details about the inside of Nancy's home, raising questions about authentication and chain of custody if this reaches trial.Bitcoin as a ransom vehicle changes the investigative playbook. Cryptocurrency is traceable but presents unique challenges. Faddis explains how prosecutors approach digital currency evidence and where defense attorneys find vulnerabilities.The DNA recovered from the home belongs to Nancy—but the sheriff won't confirm whether it's blood. That distinction shapes what charges can ultimately be brought. Evidence of presence differs from evidence of harm under Arizona law.Pacemaker data may be key. Investigators are reportedly using sync records to establish when Nancy went out of range of her home devices. Medical device evidence is emerging legal territory, and Faddis explains how it gets introduced—and challenged.The sheriff's public statements have already created problems. He told NBC Nancy "was harmed at the home" then walked it back. Defense attorneys pay attention to contradictions like that.Nancy requires daily medication described as potentially fatal to go without. Her age, mobility limitations, and medical dependence all elevate sentencing exposure for whoever is eventually charged.Eric Faddis breaks down the prosecution and defense angles in one of the highest-profile kidnapping cases in recent memory.#NancyGuthrie #SavannahGuthrie #TucsonKidnapping #EricFaddis #TrueCrime #FBI #HiddenKillers #Kidnapping #BitcoinRansom #CriminalDefenseJoin 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.

It's Friday, February 6th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus 21 of 22 churches destroyed in Christian town in Myanmar since coup On January 30, the Burma Research Institute released a scathing report detailing destructive attacks, murders, and harassment of Christians and churches since the military coup in 2021 that forcefully took control of Myanmar, reports International Christian Concern. Some of the key findings include: 21 out of 22 churches in Thantlang Town, a majority-Christian town, have been destroyed and the town's population displaced since 2021. More than 340 churches and Christian buildings have been destroyed. 149 Christians murdered and 218 imprisoned from 2022 to 2025. One unnamed church leader, who is still living inside Myanmar, testified powerfully that the faithful are now scattered across jungles, remote areas, and informal shelters, struggling to preserve their faith and communal life under constant threat and insecurity. Pastor in India forced to eat cow dung After accusing a pastor in Odisha, India of forcefully converting Hindus to Christianity, a group of Hindu nationalists forced him to eat cow dung and drink sewer water, reports International Christian Concern. The incident occurred on January 4th, but only became widely known in recent days, prompting nationwide outrage and criticism. A mob of 40 people, reportedly affiliated with the Bajrang Dal — the militant wing of the Hindu nationalist Rashtriya Swayamsevak Sangh — stormed a home during a prayer meeting in Parjang village, and accused the pastor of conducting “forced religious conversions.” Pastor Bipin Bihari Naik was dragged from the house and beaten with sticks. His face was smeared with red vermilion. Sandals were hung around his neck. He was then paraded through the village for nearly two hours. Pastor Naik was eventually taken to a local Hindu temple, where his hands were tied to a metal rod, and he was forced to consume cow dung and drink water from a sewer. They also tried to force the pastor to chant Hindu slogans, but he refused to do so. In a statement on X, Pinarayi Vijayan, the chief minister of Kerala, wrote, “Forcing a human being to eat cow dung is a deeply inhuman act, emboldened by the silence and complicity of BJP-led governments.” Landslide in Congo kills 200 miners A landslide last week collapsed several tunnels at a major coltan mine in eastern Congo, leaving at least 200 people dead in the rebel-controlled site, reports the Associated Press. The collapse occurred  Wednesday at the Rubaya mines, controlled by the Rwanda-backed M23 rebels, after heavy rains caused several hand-dug tunnels in the unregulated mine to cave. The M23 rebels and the Congolese government traded accusations over responsibility as reports from the remote region began to emerge. The collapse is one of the deadliest disasters in years in an area already facing a humanitarian crisis and ongoing conflict. Trump announced prayer gathering to rededicate America to God Appearing at the National Prayer Breakfast, President Donald Trump explained that the Department of Education will protect the right of public school students to pray. TRUMP: “Today, I'm also pleased to announce that the Department of Education is officially issuing its new guidance to protect the right to prayer in our public schools. That's a big deal.” (applause) President Trump also announced that Americans are invited to attend a special prayer event on the 250th birthday of America in our nation's capital. TRUMP: “In the last 12 months, young Americans attended church at nearly twice the rate as they did four years ago to support this exciting renewal. This morning, I'm pleased to announce that on May 17, we're inviting Americans from all across the country to come together on our National Mall to pray. We're going to rededicate America as one nation under God.” (applause) Psalm 33:12 says, “Blessed is the nation whose God is the Lord, the people He chose for His inheritance.” NBC anchor Savannah Guthrie addresses kidnappers of her mother In a tearful video posted Wednesday on Instagram, “Today” co-anchor Savannah Guthrie — flanked by her sister, Annie Guthrie, and her brother, Camron Guthrie, pleaded for more information from the possible kidnapper of her 84-year-old mother, saying her family is “ready to talk,” reports NBC News. GUTHRIE: “Our mom is our heart and our home. She is 84 years old. Her health, her heart is fragile. She lives in constant pain. She is without any medicine. She needs it to survive. We need to know, without a doubt, that she is alive and that you have her. We want to hear from you. And we are ready to listen.” In the Instagram video, Savannah thanked the public for “the prayers for our beloved mom,” Nancy Guthrie, who was last seen Saturday night in her home outside Tucson, Arizona. She was reported missing after she did not show up for church.  Nancy had no cognitive issues, and her disappearance was not linked to dementia. Blood was found on the front porch of Guthrie's house. DNA analysis has confirmed the blood belongs to Nancy Guthrie. A doorbell camera to her home was disconnected and removed at 1:47 local time and at 2:28, Guthrie's pacemaker was disconnected from her phone, an app shows. Fox10 TV reports that investigators are taking seriously a ransom note sent to a handful of media outlets connected to her disappearance. Heith Janke, the FBI chief in Phoenix, announced that they have arrested Derrick Callella in Hawthorne, California. Shocking lessons taught on college campuses today And finally, according to Students for Life's January newsletter, college students are being taught shocking lessons – often paid for by our tax dollars. * Harvard University has a class called, "Come hammered. Get Nailed: Safe Sex Under the Influence.” * Ohio State University features a class entitled, "Fighting Abortion Stigma with Planned Parenthood." * And Grand Valley State University has one called “Breaking Up with Purity Culture.” If that's not enough, they'll be encouraged to write Valentine's Day “thank you” cards to abortionists! The truth is many colleges have turned into little more than recruitment centers for Planned Parenthood's bloody business by first encouraging students to experiment sexually and then funneling vulnerable young women to abortionists to “take care of” or murder the natural consequences of sex – precious little babies. Campus missionaries with Students for Life are confronting the Culture of Death with three outreaches. First, setting up Cemetery of Innocents displays that visually expose the gruesome reality of abortion featuring 1,102 bright pink crosses commemorating the preborn babies aborted by Planned Parenthood every day. Second, hosting table events that spark one-on-one conversations with pro-abortion college students. And third, screening the pro-life movie Unplanned which tells the incredible conversion story of Abby Johnson, who was a Planned Parenthood director-turned-staunch-pro-life-activist, after she witnessed a preborn child squirming for its life away from an abortionist's tools during an abortion. Learn more about the great work of Students for Life at StudentsForLife.org. Proverbs 31:8 says, “Speak up for those who cannot speak for themselves.” Close And that's The Worldview on this Friday, February 6th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Creation Ministries International brought in Dr. Robert Carter, a marine biologist, to talk about geology. He doesn't seem to be familiar with it.Cards:Soft Tissue Found Inside a Dinosaur Bone!:https://www.youtube.com/watch?v=bSaOS7erEOkHot Slabs Penetrate My Mantle

Grand Duchess Anastasia of Russia was executed by the Bolsheviks in 1917 - yet, on 6th February, 1928, a mentally troubled Polish factory worker claiming to be her was welcomed to New York by Romanov associates. Anna Anderson's claim to be the Tsar's daughter climaxed in a 32-year legal saga, the longest in German history. But posthumous DNA testing debunked her claim, revealing no connection to the Royal family.  In this episode, Arion, Rebecca and Olly uncover how decades of Soviet misinformation contributed to the conspiracy; reveal how Prince Philip himself became involved in debunking it; and consider a reboot of the animated version of her life…  Further Reading: • ‘Did Anastasia Survive The Romanovs Massacre? The Real History Explained' (HistoryExtra, 2023): https://www.historyextra.com/period/20th-century/did-anastasia-survive-massacre-romanovs-real-history-facts-conspiracy/ • ‘How Anna Anderson Became The Grand Duchess Anastasia of Russia' (All That's Interesting, 2018): https://allthatsinteresting.com/anna-anderson • ‘Royal Runaway? Ultimate Fate of Duchess Anastasia REVEALED' (History, 2020): https://www.youtube.com/watch?v=WYRMHKC9xMA We'll be back on Monday - unless you join CLUB RETROSPECTORS, where we give you ad-free listening AND a full-length Sunday episode every week!Plus, weekly bonus content, unlock over 70 bonus bits, and support our independent podcast.Join now via Apple Podcasts or Patreon. Thanks!The Retrospectors are Olly Mann, Rebecca Messina & Arion McNicoll, with Matt Hill.Theme Music: Pass The Peas. Announcer: Bob Ravelli. Graphic Design: Terry Saunders. Edit Producer: Ollie Peart.Copyright: Rethink Audio / Olly Mann 2026. This episode originally aired in 2024. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The kidnapping of Nancy Guthrie—Savannah Guthrie's 84-year-old mother—remains unsolved. Investigators have confirmed forced entry at her Tucson home, DNA evidence belonging to Nancy, and ransom notes demanding bitcoin payment. Those notes went to media outlets, not the family. The FBI is involved. No suspects have been identified publicly.Defense attorney Eric Faddis joins Hidden Killers Live to analyze what we know and what it means for any future prosecution.Start with the ransom notes. Sending demands to TMZ and local news stations instead of family is an unusual play. Faddis breaks down the legal exposure that creates—even if the person who sent them isn't the abductor.The DNA confirmation raises as many questions as it answers. The sheriff says it belongs to Nancy but won't say whether it's blood. That matters. Evidence showing someone was present in their own home is different from evidence showing they were harmed there. The distinction affects charging decisions.Medical device evidence may prove critical. Investigators are using Nancy's pacemaker sync data to establish she went out of range around 2 a.m. This type of evidence is relatively new in courtrooms. Faddis explains how it gets introduced and where defense attorneys push back.The sheriff's public statements have already created complications. He told NBC Nancy "was harmed at the home" and later said he misspoke. Defense attorneys file that away for later.Jurisdiction remains unclear. Arizona has kidnapping statutes, but FBI involvement opens the door to federal charges. Faddis explains what determines venue—and which court typically delivers harsher outcomes.Nancy's age, limited mobility, and dependence on daily medication the sheriff described as potentially fatal to miss all factor into sentencing exposure.A high-profile victim, unusual ransom tactics, and emerging evidence technology. Eric Faddis breaks down the legal landscape.#NancyGuthrie #SavannahGuthrieMother #Kidnapping #EricFaddis #TrueCrime #FBI #HiddenKillersLive #TucsonCrime #BitcoinRansom #CriminalDefenseJoin 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.

Since 2011, the at-home DNA testing company 23andMe has invited its users to “celebrate your ancient DNA” with its Neanderthal report, which tells users whether their prehistoric genes predispose them to certain behaviors, like hoarding or not getting hangry. In the 1880s, Neanderthals were not being celebrated at all—they were depicted as little more than troglodytes with tools—and the 1980s weren't much better: rough hair, swarthy skin, dull eyes, jutting foreheads … an evolutionary dead end. Today, armed with recently decoded Neanderthal DNA, researchers are reconstructing these archaic people as lighter-skinned, blue-eyed, and blond. For historian Stefanos Geroulanos, however, this new account raises difficult questions. “Are Neanderthals now smart because they are no longer depicted as dark-skinned? Or, conversely, have they become blond and white because they are now believed to have been smart, able, quintessentially human?” Questions like these form the heart of his book, The Invention of Prehistory: Empire, Violence, and Our Obsession with Human Origins, which has just won Phi Beta Kappa's Ralph Waldo Emerson Book Award. Geroulanos contends that our claims about the deep past—whether made in 1726 or 2026—tell us more about the moment we propose them than anything else.Go beyond the episode:Stefanous Geroulanos's The Invention of Prehistory: Empire, Violence, and Our Obsession with Human OriginsListen to Geroulanos in conversation at the Phi Beta Kappa 2025 Book AwardsReconstructed ancient languages like Proto-Indo-European have been similarly weaponized for political ends, as Laura Spinney describes on an earlier episodeAnd our understanding of the more recent past—like Viking history, similarly prone—has been challenged by recent archaeological discoveries too, as Eleanor Barraclough explains in Embers of the HandsTune in every (other) week to catch interviews with the liveliest voices from literature, the arts, sciences, history, and public affairs; reports on cutting-edge works in progress; long-form narratives; and compelling excerpts from new books. Hosted by Stephanie Bastek and sponsored by the Phi Beta Kappa Society.Subscribe: iTunes/Apple • Amazon • Google • Acast • PandoraHave suggestions for projects you'd like us to catch up on, or writers you want to hear from? Send us a note: podcast [at] theamericanscholar [dot] org. And rate us on iTunes! Hosted on Acast. See acast.com/privacy for more information.

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.

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.

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.

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

For decades, scholars have debated where the Book of Mormon took place. Could it be on the Baja Peninsula? Or in the narrow necks of Central America, or the heartland of the United States? But what if the internal map of the text—where ‘east’ is truly east and seeds from Jerusalem flourish—points to a location largely ignored by archaeologists? In this comprehensive interview, David Rosenvall details how a simple question from his father, a university geography professor, led to a decade of research identifying the Baja Peninsula as the most plausible setting for Lehi's journey. Rosenvall challenges the dominant theories by distinguishing between ‘human geography’—culture that moves with people—and ‘physical geography,’ the immovable features of land, climate, and mineral deposits that he claims uniquely match the Baja landscape. https://youtu.be/o9vbr0j4o0U Check out our other conversations on DNA & Book of Mormon: https://gospeltangents.com/lds_theology/dna-book-of-mormon/ 0:00 Hofmann Explosion 2:55 Background 5:31 BAJA 7:46 Evaluating Meso 19:27 2 Cumorah Theory 24:12 Rusty Swords 30:49 DNA & Book of Mormon 47:20 Strengths of Baja Baja Hypothesis: An Engineering Approach to Scripture In this 2017 series, host Rick Bennett interviews David Rosenvall, the technologist responsible for creating the foundational scriptures.lds.org. Collaborating with his father, a university geography professor, Rosenvall presents a controversial theory that locates the Book of Mormon narrative on the Baja Peninsula. Unlike traditional models based on archaeological artifacts (“human geography”), Rosenvall's approach utilizes an engineering methodology, modeling the text's 33,000 geographical statements against the immovable features of the physical world. Part 1: The Climate Conundrum A single question was posed by David Rosenvall's father: Where would seeds from Jerusalem actually grow? As a geographer, his father noted that the text claims seeds brought from Jerusalem “grew exceedingly” in the Promised Land. • The Climate Argument: Seeds are climate-specific. Jerusalem seeds require a Mediterranean climate (wet winters, dry summers) to flourish, rather than the tropical climate of Mesoamerica or the cold winters of New York. This climatological requirement pointed them directly to the Baja California peninsula. • The Initial Insight: David admits that years prior, while serving as a missionary in Sweden, he had looked at a map and intuitively felt the geography fit Baja, a thought he shelved until his father's research confirmed it decades later. Baja vs. Mesoamerica (Physical vs. Cultural Geography) Rosenvall critiques the dominant Mesoamerican theory (popularized by John L. Sorenson) by distinguishing between human geography (culture, buildings, artifacts) and physical geography (mountains, rivers, coastlines). • Culture Moves, Land Does Not: Rosenvall argues that Mesoamerican theorists have successfully identified cultural similarities (human geography) but struggle with physical geography, often having to rotate maps to make “north” fit “east.” He posits that Nephite culture likely migrated to Mesoamerica after the destruction of the Nephite nation, explaining the cultural remnants found there today. • The Compass Problem: The Baja model accepts the text literally—north is north and east is east—without requiring a directional shift, whereas other models must reconcile the “narrow neck” running east-west rather than north-south. Part 3: Rusted Swords, Elephants, and the Two Cumorahs Rosenvall addresses specific scientific and historical challenges to the Book of Mormon, arguing that Baja solves problems that other theories cannot. • Evidence of Steel: While Mesoamerican theories rely on obsidian (which does not rust), the Book of Mormon describes swords that “cankered with rust.” Rosenvall notes that Baja museums display ancient, rusted metal swords and knives found in local burials, and the peninsula contains the necessary raw deposits of iron, gold, and silver. • The Animals: Addressing the criticism regarding elephants and horses, Rosenvall points to the La Brea Tar Pits (just north of Baja). He argues these pits contain every animal mentioned in the Book of Mormon, including elephants and camels, proving their biological plausibility in the region. • Trek to New York: Rosenvall proposes a “Two Hill” theory. The final battles occurred at a Hill Cumorah in Baja. Moroni then spent 36 years traveling northward to bury the plates in New York (the “hill north of Manchester”). Rosenvall calculates that Moroni would only have to walk the distance from Provo to Ogden once a year to make the journey, possibly dedicating the temple site in Manti, Utah, along the way. Part 4: Solving the DNA Problem (The Asian Connection) Rosenvall offers a unique solution to the lack of Middle Eastern DNA in Native American populations by focusing on the Book of Ether. • The Jaredite Route: He theorizes that the Jaredites traveled from the Tower of Babel through China, launching vessels from the eastern seaboard of Asia. Ocean currents would naturally carry them to the North American west coast in roughly 345 days, matching the text's timeline. • Asian Ancestry: Because the Jaredites (and potentially others from Asia) arrived thousands of years before Lehi and dispersed across the continent, the dominant DNA profile of the Americas is Asian. The Lehite colony was a small, isolated group whose genetic signature was likely diluted or lost over centuries of intermixing. Part 5: The “Narrow Neck” and Isolation Strongest geographical arguments for the Baja Peninsula: isolation and line-of-sight. • A Land Apart: The text frequently describes the Nephites as being isolated from other civilizations. Baja is naturally isolated by the Sea of Cortez, distinct from the mainland where other cultures (like the Jaredite descendants) might have been spreading. • Visualizing the Neck: Rosenvall identifies a specific location in Baja where high mountains allow a person to see the ocean on both sides—a physical reality that matches the “narrow neck” and “narrow strip” descriptions in the scripture. • Chaparral Terrain: He argues the “wilderness” described in the text matches the Baja “chaparral” (dense, thorny brush) where it is difficult to follow tracks, rather than a jungle environment. Rosenvall concludes by directing listeners to his website, achoiceland.com, emphasizing that while geography is fascinating, the spiritual intent of the book remains paramount.      

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.