Podcasts about Education

Welcome to the Gospel in a Year on the Catholic Sprouts Podcast. This year we will walk together through all 4 Gospels. The fun officially starts next week. This week we are preparing by discussing what to expect from the Gospel in a Year.   On this episode we discuss how the Gospels were written. We also strive to understand that the Gospels were written to spread the Faith, not to be a history book.   To get the most out of this journey through the Gospels, we suggest you do the following two things to prepare: 1 PRINT THE GOSPEL IN A YEAR NOTEBOOK. It's free and ready for you right here ---> http://catholicsprouts.com/the-gospels-in-a-year-on-the-catholic-sprouts-podcast   2 LOCATE A BIBLE! We will be reading from the New American Bible Revised Edition (NABRE), so that is the best translation to follow along with for young Catholics. However, if you have older Catholics, it's fun to follow along in another great Catholic translation (we recommend either the Revised Standard Version, Catholic Edition (RSV-CE) and the New Revised Standard Version, Catholic Edition (NRSV-CE)).   Thank you for joining us! Come Lord Jesus!

Send us a textCourtney Spencer, BSN, RN, supervisor at St. Luke's Marion ER and Courtney McGreevy, RN, UnityPoint Health - Cedar Rapids ER Float pool nurse, join Dr. Arnold to give listeners a look into a day in the life of an ER nurse. They shares daily routines, education and training, why they love working as a nurse and so much more. If you're interested in a career at St. Luke's, visit joinuph.com.Do you have a question about a trending medical topic? Ask Dr. Arnold! Submit your question and it may be answered by Dr. Arnold on the podcast! Submit your questions at: https://www.unitypoint.org/cedarrapids/submit-a-question-for-the-mailbag.aspxIf you have a topic you'd like Dr. Arnold to discuss with a guest on the podcast, shoot us an email at stlukescr@unitypoint.org.

Online funding prop firms have captured the attention of traders in recent years. In this episode, the CEO of Trade The Pool, Michael Katz, joins the podcast to answer key questions and offer perspective from inside one of the leading firms. The conversation explores how these firms operate, what they mean for traders, and the common debates surrounding them.  The goal is not promotion of prop firms, but to pull back the curtain and provide a clearer understanding of the role prop firms play in today's trading landscape.   Links + Resources:  ●     Trade The Pool:  http://www.tradethepool.com   Sponsors of Chat With Traders Podcast: ●      Trade The Pool:  http://www.tradethepool.com ●       Plus500:  Try futures trading with Plus500 >> Start with a FREE demo or claim a bonus up to $200 with an open account 

Godfrey is joined by Ali Siddiq to about Jillian Michaels recent comments on CNN and so much more with Kenny Williams, Eva Evans and Akeem Woods. Legendary Comedian Godfrey is LIVE from New York, and joins some of his best friends in stand up comedy, Hip-Hop and Hollywood to talk current events, pop culture, race issues, movies, music, TV and Kung Fu. We got endless impressions, a white producer, random videos Godfrey found on the internet and so much more! We're not reinventing the wheel, we're just talking 'ish twice a week... with GODFREY on In Godfrey We Trust.Original Air Date: 8/22/25-------------------------------SUPPORT OUR SPONSORShttps://yokratom.com and get a $60 KILOCall American Financing today to find out how customers are saving an avg of $800/mo. 866-889-1776 or visit http://www.AmericanFinancing.net/Godfrey NMLS 182334, nmlsconsumeraccess.org-------------------------------

BASILISK, the first esports organization dedicated to promoting science, has teamed up with The Planetary Society and Caltech’s Institute for Quantum Information and Matter to bring the banner of “Science Victory” to gamers around the world. Their roster includes world champions in StarCraft II, chess, Magic: The Gathering, and fighting games, all united by a shared mission to inspire the next generation of scientists. Joining us to talk about this unique collaboration is Kyle Hill, award-winning science communicator and BASILISK’s head of science education and outreach. Kyle shares how his career in science communication led him from YouTube into the world of professional gaming, where science and play are coming together in powerful new ways. Then, stick around for What’s Up with Bruce Betts, our chief scientist, as we share our favorite space-themed video games and a new random space fact. Discover more at: https://www.planetary.org/planetary-radio/2025-basiliskSee omnystudio.com/listener for privacy information.

Welcome to the Gospel in a Year on the Catholic Sprouts Podcast. This year we will walk together through all 4 Gospels. The fun officially starts next week. This week we are preparing by discussing what to expect from the Gospel in a Year.   On this episode we discuss the authors of the Bible, how these 4 books are the 4 pillars that support our Faith, and the role of the apostles.   To get the most out of this journey through the Gospels, we suggest you do the following two things to prepare: 1 PRINT THE GOSPEL IN A YEAR NOTEBOOK. It's free and ready for you right here --->  http://catholicsprouts.com/the-gospels-in-a-year-on-the-catholic-sprouts-podcast   2 LOCATE A BIBLE! We will be reading from the New American Bible Revised Edition (NABRE), so that is the best translation to follow along with for young Catholics. However, if you have older Catholics, it's fun to follow along in another great Catholic translation (we recommend either the Revised Standard Version, Catholic Edition (RSV-CE) and the New Revised Standard Version, Catholic Edition (NRSV-CE)).   Thank you for joining us! Come Lord Jesus!

Nothing in the world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan, ‘press on' has solved, and always will solve, the problems of the human race. — Calvin Coolidge Yesterday's today's Trade Execution Summary Grid: Receive today's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin, as well as our Trade Execution Instructions by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: “Using Trend Lines to Visualize Price Movement.” If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!” and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text “chartingwealth” to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

In this episode, you will learn 10 popular English expressions with speak and talk. These idioms are used every day in real conversations by native speakers. I explain each expression with clear examples so you can understand the meaning and start using them yourself.Learning these English idioms will help you speak English more naturally, sound more fluent, and understand native speakers better. These are important expressions for advanced English speaking, useful for IELTS, TOEFL, or any exam, but also in daily conversation. If you want to improve English vocabulary, learn English phrases for speaking, and sound more confident in English, this video is for you.Share Your ThoughtsSupport the showImprove your English step by step. My online courses cover grammar, vocabulary, and speaking practice — prices start from just €7.99. Enrol today and start improving your English ➡️ https://www.englishlessonviaskype.com/online-learning-courses/

Why are companies firing Gen Z employees — and what can be done to help them succeed?In August, I attended the 2025 Association for Education in Journalism and Mass Communication conference in San Francisco.  My colleague, Dr. Nandini Bhalla of Texas State University, led a stellar panel titled “Why are companies firing Gen Z employees? Workforce Strategies and Solutions for PR's Next Generation.”The panel featured an all-star lineup of experts:Caitlin Haskins – Vice President of AI, Big Data & Cloud at 10Fold CommunicationsMichelle Galey – Washington State UniversityJeffrey Ranta – Coastal Carolina UniversityCaitlin Cieslik-Miskimen – University of IdahoModerator - Nandini Bhalla, Texas State UniversityAfter the panel, I pulled out my iPhone and asked Caitlin Haskins a couple of questions about what she sees in the workplace.  In this short interview, Caitlin shared practical strategies that every Gen Z professional can use to thrive in today's workplace. Caitlin's tips are clear and actionable.  Listeners will walk away with 3 strategies they can use immediately. Reliability — show up, meet deadlines, and build trustProactive communication — keep projects and teams alignedGrowth mindset — turn feedback into a tool for long-term successYou can learn more about Caitlin Haskins from her LinkedIn profile and in this Ragan PR Daily article. Hi Friend - If you're enjoying Stories of Change and Creativity, make sure to follow, rate, and leave a 5-star review—it helps more people discover the show. Check out my TEDx talk. Why you should take action - then figure it out.

Eileen Keleghan, Central Applications Office Head of Communications, explains what students and parents should know ahead of the release of CAO 1st round offers.

Education experts contend advancements in artificial intelligence are changing how we value traditional measures of human intelligence.

House lawmakers are considering a variety of "school choice" policies for next year's legislative session.Then, the Mississippi Department of Transportation explains what goes into safely evacuating residents when a catastrophic storm is bearing down on the Gulf Coast. Remembering the 20th anniversary of Hurricane Katrina this week--we take a look at the program. It saved thousands of lives before the storm made landfall.Plus, how Katrina affected one of the state's largest employers on the coast. Hosted on Acast. See acast.com/privacy for more information.

This week on World Ocean Radio we're discussing the "Mind Map of Blue Ocean Leadership,” a chart developed by a global constituency of business experts, graphed to show existing leadership design while suggesting changes that are different from conventional approaches, charted as a “mind map” intended to fix, clarify, and establish an effective process to get the job done. If the world response to the challenge of climate change is characterized as “too little, too late,” it would seem clear that the old "mind map" has failed, and that a new approach might be a valuable shift toward "more than enough, in time."World Ocean Radio: 5-minute weekly insights in ocean science, advocacy, education, global ocean issues, challenges, marine science, policy, and solutions. Hosted by Peter Neill, Founder of W2O. Learn more at worldoceanobservatory.org

Having a job during school to help ends meet is pretty typical, but UNL PhD student Linda Pawlenty's side job was on a different level of different. Pawlenty drove a concrete mixer truck while earning her PhD. Her experiences being a woman in construction, and a working-class laborer in academia, is the subject of her first book “Clutch” An Education at Work”

Creating nurturing spaces for cancer patients, survivors, and their allies is crucial. Let's ensure these healing resourcesreach everyone! Together, we can extend a helping hand to those who prefer to stay in the shadows—those unsure about sharing their experiences. Join us next week on 

The International Biology Olympiad is one of the most prestigious science competitions for pre-university students in the world. This year it was held in July in Quezon City in the Philippines, and four Kiwi students went along to represent New Zealand. Astonishingly, all four returned as medallists, including Oren Dabbach who won silver, ranking him 73rd globally. Oren joins Jesse.

My guest today is Joe Liemandt. Joe is the Principal at Alpha School and the founder of Triliogy Software and ESW Capital. He became the youngest member of the Forbes 400 in the 1990s before vanishing from public view for two decades—only to emerge with a $1 billion bet that he can make kids learn 10x faster using AI. Joe has built an AI tutoring system so effective that students at his Alpha School literally beg not to take summer breaks, achieving 2x learning outcomes in just 2 hours with standardized test results that compete with the best of them. We dive deep into why this could be the most valuable product he's ever built, his contrarian thesis that traditional SaaS is facing AI-driven obsolescence, and how his experience buying 100+ software companies prepared him for this moonshot in a trillion-dollar market that hasn't innovated in 200 years.  For investors, this is a masterclass in deploying patient capital to rebuild broken systems from first principles, with insights on everything from regulatory moats to the intersection of AI and human psychology. As your excited skeptic, I push hard on the technology readiness, parental adoption hurdles, and whether this audacious vision can actually scale to a billion kids. Additionally, in a Colossus Profile released last week, our editor-in-chief Jeremy Stern reported, for the first time, Joe as the product guy behind Alpha School in a can't miss piece of writing. And now please enjoy my conversation with Joe Liemandt.  Joe Liemandt's Colossus Profile by Jeremy Stern. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠ ----- This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ramp's mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp.com/invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to sign up for free and get a $250 welcome bonus. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ridgeline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Head to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ridgelineapps.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more about the platform. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ AlphaSense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. AlphaSense has completely transformed the research process with cutting-edge AI technology and a vast collection of top-tier, reliable business content. Invest Like the Best listeners can get a free trial now at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Alpha-Sense.com/Invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and experience firsthand how AlphaSense and Tegus help you make smarter decisions faster. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Show Notes: (00:00:00) Welcome to Invest Like the Best(00:06:08) How Alpha School Is Revolutionizing Learning(00:12:47) Personalized Tutoring with AI(00:19:59) Measuring the Impossible: 2x Learning Outcomes(00:25:39) All Educational Content Is Obsolete(00:35:51) Motivating Students: The Key to Success(00:42:06) Life Skills Workshops: Real-World Lessons(00:47:47) The Key to Happiness: High Standards(00:52:33) The Role of Guides and Coaches(00:58:22) Feedback Loops and AI in Education(01:04:20) The AI-Powered Classroom Experience(01:18:06) From Self-Doubt to Limitless Learning(01:28:20) Challenges in Public School Systems(01:41:56) Gamified Learning and Technology(01:49:46) From Trilogy to Trillion-Dollar Markets(01:55:05) Why Software Companies Fail(02:01:21) Trilogy University(02:10:39) Lessons from Mentors(02:17:25) Pushing Limits and Finding Passion(02:27:12) Joe's Kindest Thing

This bonus episode was originally posted on Patreon on February 14, 2024 titled "Minions. Commentary. + Announcement."Original Patreon description: Besties, Followers, Fangents, we've been so busy putting the final touches on this GLORIOUS Minions Movie Commentary and planning for our time on the Project for Awesome livestream, that we won't be able to do a bonus podcast episode this month. You'll probably be too busy queueing up your copy of the Minions movie to enjoy one anyway, but we seriously hope the shenanigans of the livestream make up for how much you'll miss us this month and we'll be back to our regular programming next month.SciShow Tangents is on YouTube! Go to www.youtube.com/scishowtangents to check out this episode with the added bonus of seeing our faces! And go to https://complexly.store/collections/scishow-tangents to buy some great Tangents merch!While you're at it, check out the Tangents crew on socials:Ceri: @ceriley.bsky.social@rhinoceri on InstagramSam: @im-sam-schultz.bsky.social@im_sam_schultz on InstagramHank: @hankgreen on X

Welcome to the Gospel in a Year on the Catholic Sprouts Podcast. This year we will walk together through all 4 Gospels. The fun officially starts next week. This week we are preparing by discussing what to expect from the Gospel in a Year.   On this episode we discuss why the Gospels hold such an important place in our Faith and in the Liturgy of the Mass.   We suggest you do two things to prepare. :one: PRINT THE GOSPEL IN A YEAR NOTEBOOK. It's free and ready for you right here :arrow_right:: http://catholicsprouts.com/the-gospels-in-a-year-on-the-catholic-sprouts-podcast   :two: LOCATE A BIBLE! We will be reading from the New American Bible Revised Edition (NABRE), so that is the best translation to follow along with for young Catholics. However, if you have older Catholics, it's fun to follow along in another great Catholic translation (we recommend either the Revised Standard Version, Catholic Edition (RSV-CE) and the New Revised Standard Version, Catholic Edition (NRSV-CE)).   Thank you for joining us! Come Lord Jesus!

Insurance Agent Reacts to George Kamel's “Agents Will Hate This Video”. Caleb Guilliams breaks down which ones are a waste of money and which one's are actually beneficial for your financial strategy.Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

This week, the Justice brothers dive deep into Jerome Powell's Jackson Hole speech and what it means for the future of monetary policy. Is the Fed finally ready to cut rates—or is Powell once again too cautious, earning the nickname “Too Late Powell”? Matt and Mark break down Powell's dovish tone, the shift from inflation risk to labor market fragility, and how traders should interpret the Fed's pivot back to flexible inflation targeting. Then, the conversation moves into one of the most important technical developments of the year: multiple-time frame breakouts across the Dow, Russell 2000, and the Equal-Weight S&P. Breadth has returned to the market, strengthening the bull case beyond the mega-caps.  In “Stock It or Drop It,” the guys bring analysis and setups on some of the week's biggest movers: Nvidia, Zoom, Palo Alto, Walmart, Estee Lauder, and more. And in this week's Coaches Corner, they tackle trader lifestyle questions—from how much time you really need to dedicate to trading, to whether copying others' strategies can work, to the eternal debate of luck vs. skill. Insightful, actionable, and always entertaining —don't miss this episode of the Trading Justice Podcast.

In this week's episode, Matthew and Eleanor talk to Texas Tribune climate reporter Emily Foxhall about the emotional pleas Camp Mystic parents made to state lawmakers and analyze the proposed new laws in response to the Kerrville floods.

How can hospitality education keep pace with the evolving workforce, shrinking attention spans, and the rise of AI? In this #NoVacancyNews, I'm joined by Dr. Suzanne Bagnera and Dr. Peter Ricci. We're tackling one of the most pressing issues in our industry: attracting and preparing the next generation of hospitality leaders.

Molly and Weston prep for the school year on Teaching Keating, offering educator shortcuts to smooth starts and cut tension. Weston outlines ideas like emergency-plan bins, review slots, and student-soundtracked transitions, as Molly recalls streamlined designs and kid-picked tunes. They capture the buzz of fresh groups, home no-work areas, and grading restraint for progress. Via tricks such as backup attire and optimal-hour pinpointing, they spotlight wellness and ops. Audiences are prompted to set limits, opt for simplicity, and pick aids that boost education minus overload. In this episode: - Weston and Molly break down hacks like sub tubs, pause days, and no-work zones for better work-life balance. - Tips on playlists, secret student games, and not grading everything to foster engagement and reduce guilt. - Personal anecdotes on forgetting coffee, ugly comfy shoes, and the honeymoon period of new classes. - Their "he said, she said" game reveals first-day outfits, classroom setup time, and signs of school mode. Connect with Us: Follow us for updates and more episodes. Share your thoughts in the comments below about your strategies for building habits rather than setting resolutions. Learn more at: westonkieschnick.com   About Weston and Molly: Weston is a former high school teacher and administrator who now works as a Senior Fellow with the International Center for Leadership in Education. His work as a keynote speaker and instructional coach has allowed him to learn alongside teachers and administrators from all 50 states and more than 30 countries around the world. Molly is a former elementary and middle school teacher who now works with teens and young adults in parochial education programs around Colorado. She and Weston are the parents of children who provide additional fodder for Teaching Keating.

Students are getting ready to head back to school next week. Some have already started classes.As teachers kick off the new school year, they may ask themselves, “Will I be able to reach that one struggling student? Will I make the difference they need?”MPR News host Angela Davis talks with a former secretary of the U.S. Department of Education who says teachers saved his life. Join Angela when she talks with John B. King Jr., who says the best teachers didn't just teach him subjects — they taught him that he mattered, that his voice had value and that his dreams were worth pursuing. Guest:John B. King Jr. is the chancellor of the State University of New York. He was secretary of the U.S. Department of Education during President Barack Obama's administration. He has been a high school social studies teacher, a middle school principal and a college professor. He served as New York State Education Commissioner and was the president and CEO of the Education Trust, a national education civil rights organization. And he is the author of "Teacher By Teacher: The People Who Change Our Lives.”

Feeling overwhelmed by homeschool chaos? You're not alone—and there's hope! Delise and Lisa chat with experienced homeschool mom Emily Phillip about the reality of creating sustainable rhythms for your homeschool family. Whether you're managing littles or navigating the challenge years, discover practical strategies for building routines that work—from morning flags that anchor your day to teaching teens independence through scheduling. Learn why "anything worth doing is worth doing poorly at first," how to give yourself grace during overwhelming seasons, and why slowing down might be the secret ingredient your family needs. Perfect for moms at every stage of the homeschool journey who want to move from surviving to thriving.   Resources: Emily's YouTube: https://www.youtube.com/@emilythehomeschooler Blessings and Motherhood episode with Emily: https://www.youtube.com/watch?v=rJGep_dcueU   This episode of Everyday Educator is sponsored by: Judson College: Judson College, North Carolina's only four-year accredited confessional Christian institution, equips passionate students with over 25 majors and exceptional faculty to pursue God's calling in ministry, missions, or the workplace while experiencing vibrant community through our unique House System. We're committed to making your divine calling affordable through extensive scholarships and special SBC church member discounts, so you can give your life for Christ's cause without overwhelming financial burden. Ready to answer your calling? Find out what makes Judson College experience different. https://judsoncollege.com/distinctives/   CC Plus Concurrent Enrollment: The Concurrent Enrollment Program is a flexible opportunity to earn college credit from an accredited Christian university while honoring homeschool families and program parameters contained in the Challenge Guide. Your student can remain in community while earning college credit for the work they are already doing which means community and mentoring stay in place while practicing the skills of learning through college!  Register now or learn more by going to classicalconversationsplus.com/concurrent-enrollment-program.

The post Soundography Special: You Gotta Listen to This, feat. Brian Ibbott appeared first on Soundography | A Crash Course in Music, One Band at a Time!.

Artificial intelligence (AI) has quickly transitioned from something to expect in the future to the here and now today. The potential for AI in health information is both exciting and daunting. Reporting the lead story during the next live edition of Talk Ten Tuesday will be longtime RACmonitor and ICD10monitor contributing author Sharon Easterling.Sharon Easterling will continue her editorial series on artificial intelligence and medical record coding.The popular Internet broadcast will also feature these additional instantly recognizable panelists, who will report more news during their segments:• MyTalk: Angela Comfort, veteran healthcare subject-matter expert, will co-host the long-running and popular weekly Internet broadcast. Comfort is the Assistant Vice President of Revenue Integrity for Montefiore Health.• CDI Report: Cheryl Ericson, Senior Director of Clinical Policy and Education for the vaunted Brundage Group, will have the latest clinical documentation integrity (CDI) updates.• Social Determinants of Health: Tiffany Ferguson, CEO for Phoenix Medical Management, Inc., will report on the news that is happening at the intersection of medical record auditing and the SDoH.• The Coding Report: Christine Geiger, Assistant Vice President of Acute and Post-Acute Coding Services for First Class Solutions, will report on the latest coding news.• News Desk: Timothy Powell, ICD10monitor national correspondent, will anchor the Talk Ten Tuesdays News Desk.

Rick and Doug are joined by Dr. Jen Wertalik of Georgia Southern University and Dr. Pam Wolfe, retired from Penn State University, to discuss their groundbreaking new book on sexuality education for individuals with disabilities. The conversation explores why sexuality education is essential, the heightened risks of abuse faced by this population, and how comprehensive instruction extends far beyond physiology to include relationships, self-advocacy, and decision-making. The guests highlight both the challenges and opportunities of preparing teachers, parents, and caregivers to navigate an often-taboo topic with empirical, practical strategies. Listeners will come away with a deeper understanding of how sexuality education empowers individuals with disabilities to live safer, more fulfilling lives.   To earn CEUs for listening, click here, log in or sign up, pay the CEU fee, + take the attendance verification to generate your certificate! Don't forget to subscribe and follow and leave us a rating and review.   Show Notes: Coming Soon!

Ray is here as we talk about the Claremont School District's money issues, Ray not paying as much attention to politics these days, diferent orders in Catholic life, Dept of Education in NH and more.

This is the full show for August 25, 2025. We ask the American Mamas what they think of the no cell phones in schools policy. We Dig Deep into the crack down on crime in Washington D.C. Plus, AI concluded that the climate crisis narrative isn't valid, and that's a Bright Spot. And we finish off with a lost ring that will make you say, “Whoa!” 

Our guest today is a plastic surgeon in the middle of his career. He is celebrating his financial security that has allowed him to take time to write a book. He spent the earlier part of his career saving, paying off his mortgage, and pouring money into his childrens 529 accounts. Education is hugely important to this doc and he wants to be sure his children have the opportunity to pursue any education at any institution they desire. Once those goals were met he wanted to create something inspiring and he wrote a book that he hopes will help both patients and doctors. After the interview will we will be talking about the debt dilemma for dentists. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://WhiteCoatInvestor.com/Protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 

The formal academic school year is underway in most places in a United States facing accelerated fascist overtures from elements in federal and state governments. Memories of Anti-Black state action evoked at the 20th anniversary of the Hurricane Katrina disaster can be juxtaposed against current attacks on both state and African memory and education to remind us that we live in a moment demanding more of us than compliance. We must look to ourselves, both to survive and to grow. Other anniversaries we consider this week include the birthday of Asa G. Hilliard III, a pioneering educator who used his platform to remind us of our best practices in education across time and space. As we continue our work of jailbreaking the Black University, this week we continue to pose more essential questions: What is education? What should it be? How do we meet the challenge of both defending hard-won political victories and of building institutions that can sustain us against escalating fascism, white nationalism and cultural amnesia. Strengthening the Momentum of Memory provides an action that reminds us that, when we have grounded ourselves in our Ways of Knowing, we have transformed ourselves and the Social Structures we have found ourselves in in recent memory. The challenge before us is to do it again. It is time to go Black to School.JOIN KNARRATIVE: https://www.knarrative.com it's the only way to get into #Knubia, where these classes areheld live with a live chat.To shop Go to:TheGlobalMajorityMore from us:Knarrative Twitter: https://twitter.com/knarrative_Knarrative Instagram: https://www.instagram.com/knarrative/In Class with Carr Twitter: https://twitter.com/inclasswithcarrSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to the Gospel in a Year on the Catholic Sprouts Podcast. This year we will walk together through all 4 Gospels. The fun officially starts next week. This week we are preparing by discussing what to expect from the Gospel in a Year. We suggest you do two things to prepare. :one: PRINT THE GOSPEL IN A YEAR NOTEBOOK. It's free and ready for you right here :arrow_right:: http://catholicsprouts.com/the-gospels-in-a-year-on-the-catholic-sprouts-podcast :two: LOCATE A BIBLE! We will be reading from the New American Bible Revised Edition (NABRE), so that is the best translation to follow along with for young Catholics. However, if you have older Catholics, it's fun to follow along in another great Catholic translation (we recommend either the Revised Standard Version, Catholic Edition (RSV-CE) and the New Revised Standard Version, Catholic Edition (NRSV-CE)).     Thank you for joining us!     Come Lord Jesus!    

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   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 in 188 world nations. He has a list show guests and key 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  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   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 prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

The Prism of America's Education with Host Karen Schoen – Although it is hard to swallow, it is important for us to understand. No matter what you say, or how many facts you provide, you are demonized because you are the enemy, a NAZI, following HITLER. You are a White Supremacist, even if they can't find one thing that you do that a minority can't do. It doesn't matter. You are evil incarnate because you believe in...

(August 25,2025)What to know about vaccines, meals and DEI changes at school. Adults are struggling to hit 4 ‘milestones,' census says. The was in Israel over serving in the war. 

Send us a textDobar Dan!We made it, it's the end of summer and we have the final chapter of our Croatian Summer Destination Series (CSDS). Uncle Mike and Tony D have a great lesson lined up for you, some essential words and phrases for your next visit to Split.In the Super Slatko Report, DJ MOE will go over key Split destinations so that when you visit, you'll know exactly where to go.Enjoy!_LLC TeamVisit our website: https://www.letslearncroatian.com/We have a YouTube channel: https://youtube.com/c/LetsLearnCroatianLLC Merch Store: https://www.letslearncroatian.com/llc-storeKeep the content flowing, donate to the LLC: https://www.letslearncroatian.com/llc-supporters-pageBuy the LLC a Cup of Coffee: https://www.buymeacoffee.com/infoKX Collaborate with LLC: https://www.letslearncroatian.com/become-a-sponsorDo you FaceBook, we do: https://www.facebook.com/llcpod/?__tn__=-UC*FWe even do Instagram: https://www.instagram.com/llcpod/?hl=enTeeDee's Soapshttps://www.teedeessoaps.comHello LLC Prieteljie!We launched a Buy Me a Coffee supporters page. Here's your opportunity to become an LLC Members. Lots of incentives, including: an LLC Members Only Magnet, automatic entrance to any LLC Member Only raffles & prizes and access to the LLC Members Only page on our website, where we upload new content monthly.Click on the link below.https://www.buymeacoffee.com/infoKXHvala, Bog!Support the show

https://multiplysound.com/products/chptrs-film-score-collection - 30% off the new sound pack starting August 26th with promo code John30: https://multiplysound.com/?ref=evenpbbx In this episode of the Shifting Focus podcast, host John Bunn interviews Boomer from Multiply Sound and the duo Josh and Jerad from CHPTRS. They discuss their unique collaboration in creating a new sound pack tailored for filmmakers, emphasizing the importance of music in storytelling. The conversation covers Boomer's transition from wedding filmmaking to music creation, the challenges and risks involved in pursuing one's passion, and the educational components of their new product. The episode highlights the innovative approach to music for filmmakers and the excitement surrounding the launch of their sound pack. Follow Multiply Sound: https://www.instagram.com/multiply.sound/  Follow CHPTRS: https://www.instagram.com/wearechptrs/ Takeaways Boomer transitioned from music to videography and back to music. The collaboration between Chapters and Boomer aims to revolutionize sound for filmmakers. Music is a powerful tool for storytelling in film. Boomer's sound packs offer customization for filmmakers. The importance of education in using music effectively in filmmaking. Creativity often requires taking risks and following one's passion. The sound pack includes unique, human-performed sounds. Filmmakers can use the sound pack to create cohesive musical stories. The collaboration emphasizes quality and intentionality in sound design. The launch of the sound pack is an exciting opportunity for filmmakers.

Mick Hoffman has been the Executive Director of the Washington Interscholastic ActivitiesAssociation since the spring of 2019. He is the Association's fifth executive director.Serving at virtually every level of the WIAA, Mr. Hoffman most recently held the role of AssistantSuperintendent and Chief Operations Officer for Vancouver Public Schools. Before taking overas an Assistant Superintendent, he served as the District Athletic Director for Vancouver PublicSchools from 2007-15. Mr. Hoffman also represented WIAA District IV on the WIAA ExecutiveBoard from 2016-18 where he was a member of the Classification Committee and chaired theWIAA Recruiting Committee.Mr. Hoffman got his start as a language arts and social studies teacher at Fort Vancouver HighSchool and Hudson's Bay High School in Vancouver, Washington. He has head coachingexperience with boys' basketball as well as boys' and girls' golf.Mr. Hoffman graduated with a Bachelor of Science in Education before earning a Master's ofEducation all from the University of Portland

Can your students spot misinformation before it spreads?In 5 Questions for Any Text, educator and author Marilyn Pryle shares a practical framework to help students read more critically in today's media-saturated world.In episode three of this four-part series, we explore the concept of suspicious sources through real student responses, from a 10th-grader's critique of a news segment to an eighth-grader's analysis of a conspiracy theory video. You'll hear how Marilyn guides students from emotional reactions to thoughtful inquiry. Helping them ask, "What makes a source trustworthy?" The episode includes an excerpt from the audiobook, followed by a reflection and a few prompting questions from Marilyn.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, we close our series celebrating the release of Quint Studer and Dr. Janet Pilcher's book, The Extraordinary Gift: Our Teachers. In this moving episode, Dr. Pilcher shares two more powerful stories about the educators who shape our lives. First, hear from Dr. Pat Greco as she recalls how the simple moments of connection from caring educators helped her find belonging during a childhood of frequent moves. Then, a story from chapter 3 of the book, as Dr. Charlotte Boling shares her personal experience with a fifth-grade teacher who went above and beyond to meet both her academic and emotional needs after a family tragedy.This episode addresses questions such as:Why are a teacher's "little moments" often the ones that leave the most lasting impression?How can educators create a sense of security and belonging for students during times of change?Recommended Resources:  Beyond the Ordinary: A 400th Episode Reflection, The Extraordinary Gift: Our Teachers, The Lasting Impact of a Caring EducatorPurchase The Extraordinary Gift: Our Teachers at https://studereducation.com/books.

In this episode of On the Brink with Andi Simon, I sit down with Dr. Philip A. Glotzbach, former President of Skidmore College, philosopher, and passionate advocate for the liberal arts, to talk about how students can get the most out of their college experience — and why it's about far more than getting a job. His latest book, Embrace Your Freedom: Winning Strategies to Succeed in College and in Life, is both a practical guide and a philosophical invitation to use higher education as a launchpad for a meaningful life. His message: Embrace freedom. Your college years are a time to be curious, explore ideas, build relationships, and learn to love freedom. A Life in Education and Leadership Dr. Glotzbach's journey began at the University of Notre Dame, where he discovered a love for philosophy, and continued at Yale University, where he earned his Ph.D. and fell in love with teaching. After 15 years as a philosophy professor at Denison University, he moved into administration, eventually becoming President of Skidmore College for 17 years. Throughout his career, one question has guided him: What can we do to give students the best chance at a meaningful life? The answer, for him, blends intellectual development, personal responsibility, and civic engagement — themes woven into his convocation talks to new students, which eventually became the foundation for Embrace Your Freedom. Why College Is a One-Time Opportunity to Embrace Freedom College, Dr. Glotzbach says, is a singular moment in life — “you get one shot at being an undergraduate.” It's a time for “test-driving your adult self,” exploring big questions, and deciding what kind of person you want to be, as well as what kind of world you want to help create. Too often, students see college only as a steppingstone to employment. While preparing for a career matters, narrowing your focus too early shortens the shelf life of your skills. Today's graduates will likely change not just jobs but entire careers multiple times. The broader your education, the better equipped you'll be to adapt to an unpredictable future. Watch our podcast on YouTube here: From Negative Freedom to Positive Freedom One of the book's central ideas is the shift from “negative freedom” — the absence of external constraints — to “positive freedom,” which is about deciding what you will do with that freedom. Positive freedom requires embracing structure and responsibility to pursue meaningful goals. Dr. Glotzbach compares it to training for a marathon: you give up certain freedoms (like sleeping late) in exchange for the discipline that makes your goal achievable. In college, that means setting intentional objectives — for your courses, your extracurriculars, your relationships — and committing fully to them. Begin Now — And Begin Again If there's one mantra Dr. Glotzbach wants every student to remember, it's Begin now. Your college career doesn't start “later” — it starts the moment you arrive on campus. Don't wait for the second semester or sophomore year to get serious. That doesn't mean you won't face setbacks. Everyone stumbles. The key is to begin again — to get back up, recommit, and move forward. “The most important thing is not how many times you get knocked down,” he says, quoting Vince Lombardi, “but how many times you get back up.” The Liberal Arts Advantage for Embracing Freedom As a philosopher and liberal arts leader, Dr. Glotzbach believes deeply in the value of studying broadly. Liberal arts disciplines develop critical thinking, ethical reasoning, and the ability to synthesize perspectives — skills essential for solving the “wicked problems” of our time. One of his favorite quotes, from Horace Mann, is a call to action: “Be ashamed to die until you have won some victory for humanity.” For Dr. Glotzbach, college is a privilege held by a small percentage of the global population, and with that privilege comes a responsibility to contribute to the greater good. Relationships Over Transactions Dr. Glotzbach warns against treating college as an “educational ATM,” where you deposit tuition and withdraw a diploma. That transactional mindset robs you of the deeper value of the experience. College is about relationships — with people, with ideas, and with the skills you are developing. Friendships formed during college often become lifelong connections. These relationships — your first as an independent adult — are a key part of the transformation that happens during these years. Learning in the Age of AI Today's students must also navigate the opportunities and challenges of new technologies, including AI. While AI can be a powerful tool, relying on it too heavily during your studies can short-circuit the development of critical thinking and analytical skills. Dr. Glotzbach stresses the importance of reading and thinking critically — whether the material was written by a human 200 years ago or generated by AI yesterday. Advice for Students and Parents For students: approach college as a unique opportunity for growth. Be open to new ideas, seek out mentors, engage in campus life, and treat every class, project, and relationship as a chance to find meaning. For parents: remember that your child's education is not only about employment prospects but also about becoming a thoughtful, engaged, and adaptable human being. Get the Book Embrace Your Freedom: Winning Strategies to Succeed in College and in Life is available on Amazon, Barnes & Noble, Target, and other major booksellers, as well as through Dr. Glotzbach's website: www.philipglotzbach.com. Whether you're a student, parent, educator, or simply someone who values lifelong learning, this book offers a thoughtful, inspiring, and practical guide to making the most of one of life's most important chapters.  Connect with me: Website: www.simonassociates.net Email: info@simonassociates.net Books:  Learn more about our books here: Rethink: Smashing the Myths of Women in Business Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success On the Brink: A Fresh Lens to Take Your Business to New Heights Listen + Subscribe: Available wherever you get your podcasts—Apple, Spotify, Stitcher, YouTube, and more. If you enjoyed this episode, leave a review and share with someone navigating their own leadership journey. Reach out and contact us if you want to see how a little anthropology can help your business grow.  Let's Talk!    

In this conversation, Tricia Friedman and LeeAnne Lavendar discuss the evolving landscape of service learning and education. They explore the importance of experiential learning, community engagement, and the need for transformative teaching practices that resonate with students. LeeAnne shares practical examples and insights on how educators can adapt their approaches to foster curiosity, joy, and meaningful connections in the classroom. The discussion also touches on the significance of future-proofing education by equipping students with essential skills for the complexities of the modern world. Chapters 00:00 The Future of Service Learning 05:52 Transformative Learning Experiences 11:33 Future-Proofing Education 14:30 Community Engagement in Education 19:16 Practical Approaches to Curriculum Design 22:39 Embracing Change in Education   Thank you to our amazing show sponsor: Alongside

In this introductory episode, Jon discusses the concept of direct instruction with four experienced educators. They explore the definition of direct instruction, its effectiveness, common misconceptions, and actionable tips for teachers looking to implement these strategies in their classrooms. The conversation emphasizes the importance of clarity, engagement, and the role of the teacher as a content expert in facilitating student learning. Follow on Twitter: @MmeLockhartLDS @beanie0597 @StamStam193 @mrzachg @jonHarper70bd @bamradionetwork Beanie Geoghegan is the Manager of Solutions and a Co-Founder of Freedom in Education. She works closely with educators to develop and implement solutions that align with the organization's mission to restore excellence in K–12 education. With over two decades of experience as a teacher, parent, volunteer, and advocate, Beanie brings a deep understanding of classroom dynamics and instructional effectiveness. Zach Groshell, PhD is a highly distinguished teacher, instructional coach, and education consultant. Zach is based in Seattle, WA and works with schools nationwide and internationally to develop high quality instruction based on the science of how kids learn. Zach is the author of the book Just Tell Them, hosts the podcast, Progressively Incorrect, and is active on Twitter (@mrzachg). Laura Stam is a 3rd-grade teacher in Thermopolis, Wyoming. She is a 2024-2025 Goyen Fellow and a founding board member of The Reading League Wyoming. Kim Lockhart is an elementary classroom teacher and Special Education Teacher, with a passion for helping students with reading and writing difficulties through science-based instruction. Following the completion of her Master of Education, Kim worked for the Ontario Ministry of Education to revise the Langauge curriculum document to align with the reading research and then began working, part-time, as a course instructor at Vancouver Island University where she teaches the evidence-based strategies she wishes she'd been taught in Teachers College. Kim lives by the words “prevention before intervention” and aims to ensure as many teachers as possible graduate from their Teacher training program with the knowledge they need to be knowledgeable, confident and successful classroom teachers.

Protecting homeschool freedom takes constant vigilance, strategic action, and strong relationships with lawmakers. In this episode of Homeschool Talks, HSLDA Attorney and Director of HSLDA International, Kevin Boden, joins HSLDA President Jim Mason to share how HSLDA's advocacy is making a difference. From opposing harmful bills to building trust in state legislatures to rallying constituents at the grassroot level, you'll discover why the work HSLDA is doing today (and the last 40+ years!) is essential to preserving hard-won freedoms while advancing homeschool liberty for generations to come. “I don't know where my kids will live when they're educating their own children. But what I do hope is that the freedom that they have is greater than the freedom I have now. And I personally have an opportunity potentially to shape the future of home education that my own kids may operate in. And so, when I wake up in the morning and you're tired and you go, “okay, here's another day, another set of issues to deal with”—you realize that there's a whole generation of kids that will benefit from the work that we're doing. And so that's really, to me, I'll do this another day, I'll this another week, I will send out another alert, I'll make another phone call, I'll drive to another meeting. Because the freedom that I want to hand my kids—I hope—is greater than the one that was handed to me.”—Kevin Boden

Scott R. Levy, an Adjunct Lecturer at the Harvard Graduate School of Education, joins Paul E. Peterson to discuss Levy's new book, Why School Boards Matter: Reclaiming the Heart of American Education and Democracy.

The Ministry of Education suspects that some schools are closing for more days than they're legally allowed to. Documents released under the Official information act claim it remains an area of "misunderstanding" and the "reasons for closing have become increasingly diverse and frequent, with inadequate notice given to whanau". President of the Secondary School Principal's Association and Principal of Kaitaia College, Louise Anaru spoke to Lisa Owen.

Have you ever wondered how one writer could change French literature and politics at the same time? That's the story we tell in Émile Zola: The Life, Legacy, and Scandal of France's Most Influential Writer. In this episode of the Join Us in France Travel Podcast, host Annie Sargent sits down with Elyse Rivin to explore the extraordinary life of Émile Zola. Zola was not just a novelist. He was a social critic, a scandal-maker, and a public voice for justice. His Rougon-Macquart series, including the famous novel Germinal, revealed the lives of miners, shopkeepers, and workers in 19th-century France. His friendship with Paul Cézanne shaped his early years. His relationship with Jeanne Rozerot brought private scandal. And his article J'Accuse made him a hero during the Dreyfus Affair, even though it forced him into exile in England. Annie and Elyse take you through the highlights of an Émile Zola biography in plain language. You'll learn about his role in shaping the Naturalist movement, his courage to stand up against injustice, and why he rests today in the Panthéon in Paris alongside France's greatest figures. This episode isn't just about books. It's about history, politics, scandal, and courage. It's about how one man's words still echo in France today. If you're curious about French literature, Paris history, or the Dreyfus Affair, this episode is for you. You'll walk away with stories you can share and a deeper understanding of France's cultural heritage.