Podcasts about Europe

Historian and author Tim Rayborn joins us for a deep look into the strange, frightening and often forgotten legends that live beneath the surface of the holiday season. From the rise of Krampus to centuries-old tales of winter demons, ghostly intruders and night-stalking creatures, Tim walks us through the darker side of Christmas tradition and what these stories reveal about survival, morality and the human imagination. We discuss how frightening folklore once served as teaching tools, why these tales flourished in cold, pre-industrial winters, and the surprising ritual of leaving food or clothing to avoid becoming a monster's next target. We also explore how Victorian ghost stories became a firmly rooted seasonal tradition, why The Nutcracker was once much more unsettling than the ballet we know today, and how cultures outside Europe developed their own chilling winter rituals. Tim shares his favorite creatures, the most shocking tales he uncovered, and how modern culture has reshaped these old fears into festivals, parades and pop-culture icons. If you thought Christmas was all candles and comfort, this conversation may change the way you see December forever. You can find Tim's book, The Scary Book of Christmas Lore: 50 Terrifying Yuletide Tales from Around the World, at Amazon: https://amzn.to/4rNjt8r --- HOLIDAY ORNAMENT CONTEST Get in on the holiday fun and maybe win a great prize with your own creation. Get all the details at ⁠⁠https://jimharold.com/holiday2025 This post contains Amazon affiliate links that benefit Jim Harold Media when you make a qualifying purchase. Thank you for your support!⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The guys are asked what great cars ended production before they got good, and what cars were on sale and stuck around way too long? They take on debates for Monica + Nugget in TX, who want an executive sedan for relaxed trips. Then, Alice and Bill ask if they're too old for a fun car? Social media questions ask what cars were one change away from greatness, does a manual transmission add to or detract from the driving experience, and what car sold in North America would be considered “forbidden fruit” in Europe? Audio-only MP3 is available on Spotify, Apple Podcasts and 10 other platforms. Look for us on Tuesdays if you'd like to watch us debate, disagree and then go drive again! 00:00 - Intro 00:49 - Toyota GR GT Teased; Full Reveal Coming! 02:51 - Topic Tuesday: Gone Too Soon, Stayed Too Long 04:55 - Gone Too Soon 24:17 - Stayed Too Long 49:17 - Hooked On Driving + EDD Adventures 2026 51:23 - Car Debate #1: Fighting For The Backseat 1:09:44 - Car Debate #2: Are We Too Old For A Fun Car? 1:23:26 - Car Conclusion #1: What's The Catch? 1:27:00 - Car Conclusion #2: Bless The Algorithm 1:32:39 - Audience Questions On Social Media Rate and review us on Apple Podcasts, and subscribe to our two YouTube channels. Write to us your Topic Tuesdays, Car Conclusions and those great Car Debates at everydaydrivertv@gmail.com or everydaydriver.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Gyrfalcons are circumpolar, nesting in the far north of Asia, North America, and Europe, including Iceland and Greenland. They evolved as a distinct species in the Pleistocene Era, around 100,000 years ago. Their large size and warm feathering gave them an edge for nesting high in the Arctic. Gyrfalcons reuse the same nesting site year after year, and some nests have been occupied for 2,500 years!More info and transcript at BirdNote.org.Want more BirdNote? Subscribe to our weekly newsletter. Sign up for BirdNote+ to get ad-free listening and other perks. BirdNote is a nonprofit. Your tax-deductible gift makes these shows possible.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From the BBC World Service: The U.K. government has hailed a deal with the United States to keep tariffs on U.K. pharmaceutical shipments into the U.S. at zero, but the agreement comes with a cost. Then, Hong Kong's leader said serious problems in the city's construction industry, as well as oversight, were exposed in last week's deadly high-rise fire. And, what's behind recruitment problems at Europe's air traffic control?

Vince brings back "El Loco" for Poch, but in a good way. Four players who weren't even involved in the last window had a great past week in Europe. Pepi's back in the XI for Eindhoven. The World Cup draw is coming up in four days and we talk through the options. Things are looking good, folks. Although there is some sad news from Thanksgiving dinner.Clip Notes: https://www.patreon.com/posts/144856270Malik v Man City comp: https://www.patreon.com/posts/tillman-v-man-144810442 Skip the ads! Subscribe to Scuffed on Patreon and get all episodes ad-free, plus any bonus episodes. Patrons at $5 a month or more also get access to Clip Notes, a video of key moments on the field we discuss on the show, plus all patrons get access to our private Discord server, live call-in shows, and the full catalog of historic recaps we've made: https://www.patreon.com/scuffedAlso, check out Boots on the Ground, our USWNT-focused spinoff podcast headed up by Tara and Vince. They are cooking over there, you can listen here: https://boots-on-the-ground.simplecast.comAnd check out our MERCH, baby. We have better stuff than you might think: https://www.scuffedhq.com/store Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From the BBC World Service: The U.K. government has hailed a deal with the United States to keep tariffs on U.K. pharmaceutical shipments into the U.S. at zero, but the agreement comes with a cost. Then, Hong Kong's leader said serious problems in the city's construction industry, as well as oversight, were exposed in last week's deadly high-rise fire. And, what's behind recruitment problems at Europe's air traffic control?

SED News is a monthly podcast from Software Engineering Daily where hosts Gregor Vand and Sean Falconer unpack the biggest stories shaping software engineering, Silicon Valley, and the broader tech industry. In this episode, they cover Jeff Bezos's unexpected return to the CEO seat with  Project Prometheus, the growing debate over whether AI investments are The post SED News: Bezos Returns to Building, AI's Reality Check, and Europe's Cloud Ambitions appeared first on Software Engineering Daily.

Right before results of a highly-contested election were due to be announced, Guinea-Bissau’s government fell to a military coup that leaders in West Africa are calling a sham. In a nation where most people rely on growing cashews for a living, cocaine trafficking casts a long shadow. Guinea-Bissau is often referred to as “Africa’s first narco-state.” What does the future hold now? In this episode: Shola Lawal, (@Shollytupe) Journalist Episode credits: This episode was produced by Marcos Bartolomé and Melanie Marich, with Diana Ferrero, Fatima Shafiq, Farhan Rafid, Tamara Khandaker, and our guest host, Kevin Hirten. It was edited by Noor Wazwaz and Kylene Kiang. Our sound designer is Alex Roldan. This episode was mixed by Rick Rush. Our video editors are Hisham Abu Salah and Mohannad al-Melhem. Alexandra Locke is The Take’s executive producer. Ney Alvarez is Al Jazeera’s head of audio. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

TV channels dedicated to them are shutting down around the world and some superstars have even stopped making them, so are music videos in decline, or are they more vital than ever to grab our attention? We hear from industry insiders in the US, Europe and in South Korea on how the streaming era has changed how we consume music - and shifted the way record labels make money. Produced and presented by Daniel Rosney(Image: Ne-Yo on set during the filming of a music video for his song "Closer" at the Santa Clarita Studios on 10 April 2008 in California (Credit: Matthew Simmons/WireImage)

Smylie Kaufman is joined by golf analytics authority Rick Gehman, the creator of RickRunGood.com and host of CBS Sports' First Cut Podcast, for a deep dive into the world of golf data, modeling, betting edges, and modern player strategy. Rick breaks down how the PGA TOUR is evolving through analytics, why driving is more valuable than ever, how players misinterpret ShotLink data, and where fans can actually find a meaningful betting advantage. Smylie and Rick also get into: - Why baseball analytics paved the way for golf - How players should interpret their own ShotLink stats - Why proximity is one of the most misunderstood metrics - What really wins under pressure - The biggest Ryder Cup mistakes made by Team USA - Why the European model works — and how the U.S. can fix it - Which rising players are primed for breakout seasons - And the surprising ways modern players use (and misuse) data This episode is packed with insight for golf fans, bettors, stat nerds, and players alike. Don't forget to like, comment & subscribe to support the show! CHAPTERS: 00:32 Rick's background: baseball → data → golf 02:08 Building the golf database 03:27 Baseball analytics ⇄ golf analytics 04:38 How data changed modern golf 05:30 ShotLink: what players misunderstand 06:32 How younger players use tech + data 08:12 Why hitting driver is more valuable than ever 10:08 Misleading stats: Proximity explained 12:26 Real strategy: Driver vs. iron off the tee 14:06 Modeling golf courses & comp-course analysis 16:22 What pros ask Rick for (custom reports) 17:31 Predicting performance on new / unfamiliar courses 19:34 Ryder Cup breakdown: U.S. vs Europe strategy 21:03 Where Team USA went wrong 22:49 Pairing mistakes explained (Scheffler/Bryson, etc.) 24:59 Why Europe trusts data more effectively 27:15 If Rick ran Team USA strategy 29:20 Presidents Cup → How USA should use it better 31:36 Shot-shape & trajectory analytics (new radar data) 33:31 “Go-to shots” under pressure 35:02 Darts, proximity, and scoring insights 36:27 NEW stat idea: Strokes Gained Under Pressure 38:41 Bonus Putting metric 40:14 Rising talents who will break out 42:03 Players who maximize limited skillsets 45:06 The importance of speed in the modern game 49:05 Ben Griffin's leap explained 51:28 The Jordan Spieth question 54:11 Chris Gotterup's ceiling 56:00 Outro + In memoriam for Scott Hulme #TheSmylieShow #RickGehman #GolfAnalytics #PGATour #GolfBetting #GolfStats #RickRunGood #GolfPodcast #DataGolf #ShotLink #GolfStrategy

Real Madrid have now drawn three straight games in La Liga, and some Madridistas are already calling for Xabi Alonso to be sacked. Is he genuinely under pressure this early in his tenure? Meanwhile, Diego Simeone's Atlético Madrid have won seven in a row in all competitions. After parts of the fanbase questioned his future just weeks ago, could El Cholo actually turn things around and mount a serious title challenge? Gary & Alex also discuss La Liga clubs losing their grip on European football. English sides have beaten Spanish teams in 10 of the last 11 meetings. Is this the end of an era for La Liga's dominance in Europe? Join The Players Lounge: The official fantasy football club of The Rest Is Football. It's time to take on Gary, Alan and Micah for the chance to win monthly prizes and shoutouts on the pod.  It's FREE to join and as a member, you'll get access to exclusive tips from Fantasy Football Hub including AI-powered team ratings, transfer tips, and expert team reveals to help you climb the table - plus access to our private Slack community. Sign up today at: therestisfootball.com https://therestisfootball.com/?utm_source=podcast&utm_medium=referral&utm_campaign=episode_description&utm_content=link_cta For more Goalhanger Podcasts, head to www.goalhanger.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Why can't we build anything? We dig into the Dublin Metro being dragged back into court by the cavemen of Ranelagh and unpack how a tiny, well-lawyered minority can stall infrastructure for an entire city. From there, we bring in writer and analyst Dan Wang, whose book Breakneck argues that China is an engineering state, run by people who build, while America, Ireland and the wider Anglosphere have become lawyer states, run by people who litigate. China lays highways and high-speed rail at warp speed; common-law countries file objections and environmental reports. Europe, meanwhile, risks turning into a mausoleum economy with great croissants, beautiful cities, and a shrinking industrial base. We ask does China's engineering mindset can deliver both stunning bridges and harsh social controls? Does a world of tariffs, security fears and cyber-fragility forces us to rethink who we let run the show: the builders or the barristers? Hosted on Acast. See acast.com/privacy for more information.

Au Cœur de l'Histoire est un podcast Europe 1.- Auteure et Présentatrice : Virginie Girod - Production : Camille Bichler- Réalisation : Pierre Cazalot- Direction artistique : Julien Tharaud- Composition de la musique originale : Julien Tharaud et Sébastien Guidis- Edition et Diffusion : Nathan Laporte et Clara Ménard- Visuel : Sidonie Mangin Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Thierry Breton raconte les erreurs du passé et les rapports de force d'aujourd'hui.Dans un moment où la France doute, se cherche et s'inquiète de sa perte de maîtrise, Thierry Breton propose une lecture singulière : celle des renoncements.Ancien dirigeant d'entreprises, ancien ministre de l'Économie, puis commissaire européen en charge de l'industrie et du numérique, il publie Les 10 renoncements qui ont fait la France et relit quatre siècles d'histoire pour éclairer nos failles présentes.Dans cet épisode, on explore les questions qui traversent le pays aujourd'hui :– Quand un pays renonce-t-il vraiment ?– Qui décide : un homme, une élite, un système ?– Quels sont les ressorts qui mènent aux mauvaises décisions ?– À quoi la France a-t-elle perdu la maîtrise : finances, souveraineté, Europe, technologie ?– Peut-on encore tenir une ligne dans un monde de rapports de force ?

Why can't the US be like Europe, Japan or India—countries that all have extensive passenger train systems? On today's show, why the US chose not to. We learn why, despite this, US railroads could still be worth bragging about.Related episodes: What happens when railroads get hitchedHow three letters reinvented the railroad businessFor sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

1/3. The Peace Debate — In a Londinium wine bar during a storm in 91 AD, Gaius and Germanicus philosophize about service and contemporary geopolitics, centering on the modern concept of "peace," particularly regarding Ukrainedespite ongoing conflicts in Venezuela and Hezbollah rearmament. Germanicus asserts that "peace" functions as a euphemism for defeat, deployed by the side facing inevitable submission to avoid public humiliation. Germanicus argues that Russia's protracted attrition strategy is culminating, evidenced by recent media reports of meteoric desertions and massive irrecoverable casualties exceeding 40,000 Ukrainian soldiers monthly, suggesting Ukraine approaches structural collapse. Gaius emphasizes that Europe lacks deployable military capacity and sustained fighting capability, necessitating a negotiated peace settlement to avoid the humiliation of military defeat. Germanicus notes that neoconservatives remain unusually silent, lacking control of the current administration, establishment Democraticinfluence, and weakened by collateral damage from Israel's Gaza campaign to their "endless war" doctrine. Gaiuscontends that the United States' only viable leverage for Russia involves promises of economic investment, reestablishing European energy linkages, and modernizing resource extraction through joint ventures. Germanicusidentifies three conditions for a viable treaty: Ukrainian neutrality, Russian reintegration, and attractive arrangements regarding Donbass, coupled with Ukraine affirming non-discrimination toward Russian-speaking populations. 1968

The Rich Zeoli Show- Full Episode (12/01/2025): 3:05pm- The man allegedly responsible for shooting two National Guard members had been granted asylum from Afghanistan. While on Meet the Press, Department of Homeland Security Secretary Krisit Noem said initial investigations suggest the man became radicalized while in the United States. 3:10pm- In her latest editorial for The New York Post, Miranda Devine writes that a “damning report” labels the Federal Bureau of Investigation (FBI) as a “rudderless ship” and “all f*cked up” under the leadership of Director Kash Patel and Deputy Director Dan Bongino. The report alleges that Bongino has an “unfortunate obsession with social media.” 3:30pm- A report from Ernesto Londono of The New York Times documents rampant fraud plaguing Minnesota—dozens of people have been charged with stealing more than $1 billion in taxpayer money from programs meant to feed hungry children and provide therapy for autistic children. Critics of Governor Tim Walz say his administration allowed the fraud to persist “partly because state officials were fearful of alienating the Somali community” who were largely responsible for the scams. 3:50pm- It's finally here! “Be Nice to Matt DeSantis Week” kicks off. Earlier this year, Linda Kerns—Attorney & Pennsylvania Election Integrity Counsel for the Republican National Committee and Donald Trump—donated money to the Travis Manion Foundation during 1210 WPHT's fundraiser in exchange for Rich guaranteeing he would be nice to Matt for one full week before the end of the year. 4:05pm- A report from Ernesto Londono of The New York Times documents rampant fraud plaguing Minnesota—dozens of people have been charged with stealing more than $1 billion in taxpayer money from programs meant to feed hungry children and provide therapy for autistic children. Critics of Governor Tim Walz say his administration allowed the fraud to persist “partly because state officials were fearful of alienating the Somali community” who were largely responsible for the scams. 4:15pm- Is even Europe getting sick of far-left taxation policies? On Sunday, Switzerland rejected a referendum that would have placed a 50% inheritance tax on assets above 50 million Swiss francs, or about $62 million. 4:40pm- TV recommendations: Death by Lightning on Netflix—which is based on Candece Millard's book on the assassination of President James Garfield. 5:05pm- The man allegedly responsible for shooting two National Guard members had been granted asylum from Afghanistan. While on Meet the Press, Department of Homeland Security Secretary Krisit Noem said initial investigations suggest the man became radicalized while in the United States. National Guard member Sarah Beckstorm, sadly, died from her wounds. Meanwhile, Guardsman Andrew Wolfe remains in critical condition. West Virginia Gov. Patrick Morrisey said Wolfe was responsive on Monday. 5:25pm- Last month, while speaking from the House floor, Rep. Jasmine Crockett (D-TX) accused several Republicans including EPA Administrator Lee Zeldin of taking campaign donations from Jeffrey Epstein. However, her claim was horribly misleading. The donations were from a Dr. Jeffrey Epstein—a different Jeffery Epstein, with no relation to the predator. Astoundingly, Crockett recently doubled down on her outlandish claims during a segment on MS Now. 5:40pm- Linda Kerns calls in to outline the rules for “Be Nice to Matt Week”—so far, Rich has violated every instruction. 6:00pm- A Washington Post report states that Department of War Secretary Pete Hegseth authorized a series of deadly strikes on a drug trafficking boat in the Caribbean, ordering military officials to “kill everybody.” The directive, according to the report, led to a second strike killing several crew members that survived the initial assault on the vessel. 6:20pm- Food and Drug Administration (FDA) Commissioner, and Johns Hopkins surgeon, Dr. Marty Makary weighed in on a theory that ...

The Rich Zeoli Show- Hour 2: 4:05pm- A report from Ernesto Londono of The New York Times documents rampant fraud plaguing Minnesota—dozens of people have been charged with stealing more than $1 billion in taxpayer money from programs meant to feed hungry children and provide therapy for autistic children. Critics of Governor Tim Walz say his administration allowed the fraud to persist “partly because state officials were fearful of alienating the Somali community” who were largely responsible for the scams. 4:15pm- Is even Europe getting sick of far-left taxation policies? On Sunday, Switzerland rejected a referendum that would have placed a 50% inheritance tax on assets above 50 million Swiss francs, or about $62 million. 4:40pm- TV recommendations: Death by Lightning on Netflix—which is based on Candece Millard's book on the assassination of President James Garfield.

In Episode 451 of Hidden Forces, Demetri Kofinas speaks with author and long-time China analyst Dinny McMahon about the Chinese leadership's efforts to redesign China's economic model in the face of structural headwinds to growth, mounting trade barriers, and growing concerns in Western capitals about Chinese economic and military domination. The first hour is spent exploring why McMahon believes that China is at a transformational moment. He details the kind of economy that Beijing intends to build by 2035 and the internal debate over whether China should rebalance toward household consumption through welfare and redistribution or double down on its investment-driven growth model as the primary mechanism for raising household living standards. The second hour is devoted to understanding China's evolving industrial strategy that Dinny describes as a potential "China Shock 2.0" driven by legacy industry upgrading, innovation at the technological frontier in sectors like batteries and electric vehicles, flying cars, and humanoid robots, and import substitution in areas like machine tools and semiconductors all while pushing intermediate manufacturing offshore to circumvent Western trade barriers. McMahon lays out his best and worst case scenarios, as well as what China's economy is most likely to look like by the middle of the next decade; he and Demetri examine the risks of further deindustrialization and strategic dependency by the United States and Europe on Chinese manufacturing; and discuss how all of this collides with global climate goals, the energy transition, and a world in which China's state-driven capitalist model is increasingly setting the pace for innovation, growth, and material abundance. Subscribe to our premium content—including our premium feed, episode transcripts, and Intelligence Reports—by visiting HiddenForces.io/subscribe. If you'd like to join the conversation and become a member of the Hidden Forces Genius community—with benefits like Q&A calls with guests, exclusive research and analysis, in-person events, and dinners—you can also sign up on our subscriber page at HiddenForces.io/subscribe. If you enjoyed today's episode of Hidden Forces, please support the show by: Subscribing on Apple Podcasts, YouTube, Spotify, Stitcher, SoundCloud, CastBox, or via our RSS Feed Writing us a review on Apple Podcasts & Spotify Joining our mailing list at https://hiddenforces.io/newsletter/ Producer & Host: Demetri Kofinas Editor & Engineer: Stylianos Nicolaou Subscribe and support the podcast at https://hiddenforces.io. Join the conversation on Facebook, Instagram, and Twitter at @hiddenforcespod Follow Demetri on Twitter at @Kofinas Episode Recorded on 11/24/2025

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Monday Headline Brief of The Wright Report, Bryan covers the nation's grief and anger after the Washington terror attack, the deepening crisis within America's immigration system, and President Trump's most sweeping border actions yet. He also examines the political backlash, the debate over assimilation, and the global pressures shaping events from Europe to Venezuela. America Mourns and Demands Answers: Staff Sgt. Andrew Wolfe remains in critical condition while Specialist Sarah Beckstrom is laid to rest after last week's terror attack in Washington. DHS confirmed the attacker, Rahmanullah Lakanwal, was a former CIA-backed Afghan Zero Unit fighter who was radicalized after arrival in the United States. Investigators say he drifted between Washington State, Arizona, and the East Coast with little oversight, revealing systemic vetting failures across multiple administrations.   Vetting Breakdown Exposed: Inspector General reports show that over two hundred thousand Afghans brought into the country during the 2021 evacuation were admitted with almost no reliable databases, poor ID verification, and limited interagency cooperation. None received continual vetting after entry. Bryan explains why "strict vetting" is a political myth and why U.S. systems remain unable to verify criminal history, ideology, or cultural fit for many migrants.   Trump Orders the Most Sweeping Immigration Freeze in Decades: The President has paused all asylum applications, halted Afghan visa processing, and instructed his team to permanently pause migration from Third World nations to reset the system. Green card and citizenship requests from nineteen countries are suspended. Trump is also considering the denaturalization of foreign-born citizens who fail loyalty or cultural compatibility standards. Legal scholars note that Section 212(f) of the Immigration and Nationality Act grants the President broad authority to take such steps.   Political Firestorm and Cultural Divide: Republicans and most Independents support a historic crackdown, while Democrats accuse Trump of racism and xenophobia. Some leaders, including Representative Jasmin Crockett and Representative Debbie Wasserman Schultz, blamed the National Guard deployments for the attack. Bryan argues that many progressive lawmakers reject assimilation because they reject the idea of American culture itself, pointing to recent examples in education, media, and politics.   College Degrees Lose Appeal: New polling shows only 33 percent of Americans believe a four-year degree is worth the cost. Interest in vocational training and maritime careers is rising as tuition increases outpace wages. Maritime academies report that graduates earn more than $200,000 a year after six months of work.   The Autopen Controversy: President Trump announced he is canceling all executive actions signed by Joe Biden through the autopen, citing concerns that Biden did not authorize their use. The Justice Department may soon bring cases that will force the Supreme Court to clarify the legality of autopen approvals.   Debate Over Unlawful Orders Heats Up: Reports claim Secretary of War Pete Hegseth ordered a second strike on a cartel boat. Hegseth denies it. Senator Mark Kelly suggested troops should rely on intuition when evaluating orders, which critics warn could lead to chaos and politicized discipline. The issue may shape U.S. operations in the Caribbean.   Global Flashpoints: Venezuela and Europe: Trump rejected demands from Venezuela's Nicolás Maduro for guaranteed amnesty and military control as part of an exit deal. Maduro may attempt a guerrilla resistance if forced out. In Europe, Islamist protests are disrupting Christmas markets in Belgium and Germany, where security costs have surged. France's populist movement is surging in polls as crime tied to migrants fuels public frustration. Portugal's populist party Chega is also now tied for first place in national polling.   Medical News: A major UK study finds that weight loss drugs like Mounjaro and Zepbound must be taken long-term to maintain results, with many patients regaining most of the weight after stopping treatment.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: Washington DC terror attack Afghan Zero Unit, Rahmanullah Lakanwal vetting failure, Trump asylum freeze Section 212f, de-naturalization debate immigration reform, Jasmin Crockett Guard criticism, Debbie Wasserman Schultz Trump blame, college degree value drop vocational training, autopen Biden executive actions, Hegseth double tap allegation, Venezuela Maduro exit talks, Belgium Germany Christmas market threats, France National Rally Bardella, Portugal Chega Ventura, GLP-1 weight loss drug study UK

Send us a textPeaches drops a fresh Daily Drop packed with real military updates, Special Warfare insight, and a full tour through what's happening across the DoD. From Army sensor tests in Europe to Marine fast-rope drills in the Caribbean, this episode hits every corner of the force. Peaches breaks down why attributes matter in Special Warfare selection, how every exercise ties directly to the job, and why candidates must show raw potential—not just speed on a run. He also dives into tank gunnery in Bulgaria, airborne night navigation, Navy refueling ops, Coast Guard rescues, Space Force silence, and a Silver Star story that actually deserves attention. Plus: the mystery of submarine navigation, political noise in the defense world, and why getting your news from credible sources matters more than ever.⏱️ TIMESTAMPS00:00 Daily Drop kickoff 00:40 What “attributes-based selection” really means 01:30 OTS updates and performance breakthroughs 02:55 Army sensor testing in Germany 03:40 Abrams gunnery in Bulgaria 04:25 Airborne night nav at Fort Bragg 05:10 Navy aerial refueling recap 06:00 Seahawk rescue training in Hawaii 07:15 Quantum navigation breakthroughs 08:30 Submarine navigation curiosity 09:40 Carrier flight ops in the Caribbean 10:20 Marine fast-rope readiness 11:10 Silver Star ceremony highlights 12:40 Coast Guard rescue and port response 13:30 DoD investigations and legal updates 14:30 POTUS message on lawful orders 15:30 Wrap-up and final thoughts

Day 1,376.Today, after a fresh round of talks between the Ukrainian and American delegations in Miami, we examine a new investigation exposing the Trump administration's profit motives behind the emerging proposals. We then assess the resignation of Andriy Yermak, formerly Zelensky's right-hand man, and the unexpected intervention of former Commander-in-Chief Valerii Zaluzhnyi – viewed as preparing for a presidential run after the war. Afterwards, we analyse Kyiv's decision to strike the Russian shadow fleet off the coast of Senegal, and how Europe – and France in particular – is positioning itself for this next, volatile phase.ContributorsAdélie Pojzman-Pontay (Journalist and Producer). @adeliepjz on X.Francis Dearnley (Executive Editor for Audio). @FrancisDearnley on X.Dominic Nicholls (Associate Editor of Defence). @DomNicholls on X.Joe Barnes (Brussels Correspondent). @Barnes_Joe on X.SIGN UP TO THE ‘UKRAINE: THE LATEST' WEEKLY NEWSLETTER:http://telegraph.co.uk/ukrainenewsletter Each week, Dom Nicholls and Francis Dearnley answer your questions, provide recommended reading, and give exclusive analysis and behind-the-scenes insights – plus maps of the frontlines and diagrams of weapons to complement our daily reporting. It's free for everyone, including non-subscribers.CONTENT REFERENCED:Valerii Zaluzhnyi: How to defeat Putin and build a better Ukraine (The Telegraph):https://tinyurl.com/582phz7bZelensky meets Macron in Paris (The Telegraph Live Blog):https://tinyurl.com/4vspzy8yUkrainian drone boats blow up Russian oil tankers (The Telegraph):https://tinyurl.com/5evypnz5Zelensky's chief of staff goes to front line after resigning over corruption scandal (The Telegraph):https://www.telegraph.co.uk/world-news/2025/11/29/zelensky-chief-of-staff-andriy-yermak-goes-to-front-line/ Kyiv's new peace talks chief caught in same corruption scandal as ousted predecessor (The Telegraph):https://www.telegraph.co.uk/world-news/2025/11/30/ukraine-make-or-break-week-survival-witkoff/ Antony Beevor: For Russia, conspicuous cruelty is a necessary weapon of war (The Telegraph):https://www.telegraph.co.uk/news/2025/11/30/antony-beevor-interview/ Make Money Not War: Trump's Real Plan for Peace in Ukraine (Wall Street Journal):https://www.wsj.com/world/russia/russia-u-s-peace-business-ties-4db9b290 Subscribe: telegraph.co.uk/ukrainethelatestEmail: ukrainepod@telegraph.co.uk Hosted on Acast. See acast.com/privacy for more information.

“Yes, we are a nation of immigrants.* “*We're a nation of legal immigrants whose first mission upon arrival in America was to be a better American than a native-born American. And many millions were. I don't think that is the case now, and the fault is not just with the immigrant, it's with us,” argues Victor Davis Hanson, following a string of high-profile, immigrant-related crimes, such as the brutal shooting of two National Guardsmen blocks away from the White House and a billion-dollar fraud scheme amongst the Somali diaspora in Minneapolis, on today's edition of “Victor Davis Hanson: In a Few Words.”

By late 1942, after the success of Operation Torch, the Allies had finally gained a foothold in North Africa. What followed was a hard-fought and often overlooked campaign in Tunisia. For six months, British, American, and French forces battled determined Axis troops for control of the last corner of Africa held by Germany and Italy. It was a campaign marked by tough lessons, uneasy cooperation, and moments of heroism — one that would shape how the Allies fought together for the rest of the war. In this episode, I'm joined by historian and author Saul David to discuss his latest book, 'Tunisgrad: How the Allies Won North Africa and Set the Stage for D-Day'. Saul brings to life the soldiers, commanders, and decisions that defined the Tunisia campaign and paved the way for the Allied invasion of Europe.   patreon.com/ww2podcast  

Clint and guest host Angelo Gonzalez break down the 1996 MTV Motherload promotion in both the US and Europe. They talk early MTV, seeing the Motherload in real time, Metallica's willingness to promote themselves, the current state of the music industry and whether or not something like this can ever happen again. Enjoy!Watch along with us HERE! If you think Metal Up Your Podcast has value, please consider taking a brief moment to leave a positive review and subscribe on iTunes here:https://podcasts.apple.com/us/podcast/metal-up-your-podcast-all-things-metallica/id1187775077You can further support the show by becoming a patron. All patrons of Metal Up Your Podcast at the $5 level receive volumes 1-4 of our Cover Our World Blackened EP's for free. Additionally, patrons are invited to come on the show to talk about any past Metallica show they've been to and are given access to ask our guests like Ray Burton, Halestorm, Michael Wagener, Jay Weinberg of Slipknot and members of Metallica's crew their very own questions. Be a part of what makes Metal Up Your Podcast special by becoming a PATRON here:http://www.patreon.com/metalupyourpodcastJoin the MUYP Discord Server:https://discord.gg/nBUSwR8tPurchase/Stream Lunar Satan:https://distrokid.com/hyperfollow/lunarsatan/lunar-satanPurchase/Stream VAMPIRE:https://distrokid.com/hyperfollow/clintwells/vampirePurchase/Stream our Cover Our World Blackened Volumes and Quarantine Covers:https://metalupyourpodcast.bandcamp.comFollow us on all social media platforms.Write in at:metalupyourpodcastshow@gmail.com

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

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The Minnesota Dept. of Human Service Employees SLAMS Gov. Tim Walz, blaming him OUT RIGHT for draining Billions from COVID-era taxpayer relief. Dana recaps the terror attack from Wednesday in Washington as an Afghan national opens fire at National Guard agents, killing one servicemember. Jasmine Crockett says she imagines what the GOP would have done to a little baby Jesus who showed up to their door. Muslims take over Christmas markets throughout Europe and call for Islamic jihad. The Council for American-Islamic Relations claims that revoking deportation protections for Somali fraudsters who funneled US taxpayer money to foreign terrorists is an “Israel first” policy. Actors Michael Douglas and Catherine Zeta-Jones are reportedly FURIOUS over their son getting humiliated on CNN. Conservative influencers pose for photos and accepted free trips from Qatar over Thanksgiving weekend. Stephen Yates from Heritage joins us.Thank you for supporting our sponsors that make The Dana Show possible…PreBornhttps://Preborn.com/DANAThis Christmas, for just $28 you can help save a life. Dial #250 and say “Baby,” or give securely online. Make your gift today.Relief Factorhttps://ReliefFactor.com OR CALL 1-800-4-RELIEFDon't let pain stop you from living the life you want with Relief Factor. Get their 3-week Relief Factor Quick Start for only $19.95 today! Fast Growing Treeshttps://FastGrowingTrees.comGet up to 50% off plus 15% off your next purchase with code DANA—visit and save today! Valid for a limited time, terms and conditions apply.Patriot Mobilehttps://PatriotMobile.com/Dana  OR CALL 972-PATRIOTWhat are you waiting for? Switch today. Use promo code DANA for a free month of service.Byrnahttps://Byrna.comSave 15% sitewide during Byrna's biggest Black Friday and Cyber Monday sale. Don't miss out!AmmoSquaredhttps://AmmoSquared.comDon't get caught without ammo and be sure to tell them you heard about Ammo Squared on this show. Keltechttps://KelTecWeapons.comKelTec builds every KS7 GEN2 right here in the USA with American materials and workers—upgrade your home defense today.  KelTec Peacekeepershttps://KelTecWeapons.com/DanaThe KelTec Peacekeepers Program supports those who protect our communities.  Learn more about the program today. HumanNhttps://HumanN.comStart supporting your cardiovascular health with SuperBeets, now available at your local Walmart.Noblehttps://NobleGoldInvestments.com/DanaOpen a new qualified IRA or cash account with Noble Gold and get a FREE 10-ounce Silver Flag Bar plus a Silver American Eagle Proof Coin. 

Austin Campbell runs Zero Knowledge Group, a consulting and advising firm in the digital assets space and is an adjunct professor at New York University's Stern School of Business. In Austin's first appearance on the show, he discusses what comes next after the GENIUS Act, the debate with interest-on-reserves when it comes to stablecoins, the future of Tether, Governor Waller's proposal of skinny master accounts, the larger macro implications of stablecoins in Europe and the global South, and much more. Check out the transcript for this week's episode, now with links. Recorded on November 14th, 2025 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow Austin on X: @CampbellJAustin Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel  Timestamps 00:00:00 - Intro 00:01:38 - Austin's Career 00:04:10 - What Comes After GENIUS? 00:7:26 - Interest and Stablecoins 00:12:30 - Tokenized Deposits 00:17:01 - Future of Tether 00:29:27 - Skinny Master Account 00:35:23 - Stablecoin Regulation 00:48:46 - Macro Implications 00:54:58 - Future of the Financial System 00:57:58 - Outro

The Halifax International Security Forum always includes a sizable and bi-partisan group of United States Senators who were suddenly put on the spot: Did they think Ukraine should accept this ultimatum? By Saturday afternoon, several senators issued a joint statement condemning this plan. Then something extraordinary happened. A couple hours after this joint statement was released, an even larger and more bi-partisan group of senators gave a press conference in which Republican Senator Mike Rounds said that he and two other senators had just got off the phone with Marco Rubio, who was en route to Geneva to meet with Ukrainian officials and European allies. According to Senator Rounds, Rubio said this stridently pro-Russian 28 point plan was not an American plan at all, but rather a Russian proposal that was improperly leaked to the press. But then, about two hours later, Rubio publicly disavowed that disavowal! He posted on Twitter that "The peace proposal was authored by the U.S." So what the heck is going on here? I caught up with Toronto Star columnist and fellow Substacker Justin Ling to try to make sense of this bizarre turn of events. We kick off discussing the back and forth on this plan, but then have a deeper conversation about what this episode reveals about American global leadership and what the conversations in Halifax revealed about how America's traditional middle power allies, like Canada and Europe, are adjusting to a world order in which the United States is an unreliable ally and unstable international actor.  

Staff shortages and strikes are leaving passengers and airlines frustrated. So why are there such problems in recruitment? Industry bodies estimate over the next decade we could be short of 70,000 air traffic controllers around the world. We hear what is luring some controllers out of Europe and why others are leaving the sector all together. And what could the financial and safety implications be for passengers and airlines?Presenter: Will Bain Producer: Josh Martin(Photo: NATS Swanwick ops room,. NATS is a UK-based air traffic control company. Credit: NATS)

In this deep-dive conversation, Swedish UFO researcher and AFU archivist Clas Svahn joins Martin Willis to explore newly declassified documents from Sweden's security police and military— including a major 1970s operation to intercept unknown craft crossing into Norway. Clas also discusses a rare 1971 humanoid encounter, Sweden's most compelling historic UFO cases, and new scientific insights into strange lights (will-o'-the-wisps). We take a broader look at mysterious sightings across Russia, China, and Europe, and get updates on AFU's latest collections and its growing global role in preserving UFO history. A must-watch for anyone fascinated by Scandinavian UFO research, credible witnesses, and revelations emerging from long-sealed archives.SHOW NOTES

In this episode of the HVAC Know It All Podcast, host Gary McCreadie talks with Jeff Ponce, Senior Product Manager at RectorSeal, about Clear Drain PVC and the science behind better condensate management. Jeff explains how traditional PVC drain lines develop clogs caused by bacteria and biofilm buildup and how Clear Drain PVC solves this with a hydrophobic surface that prevents growth. They discuss why zinc is used in the product, how it creates a slippery surface instead of killing bacteria, and the research and development behind its creation. Jeff also shares how the product was first used in grocery store refrigeration systems in Europe and how it is now helping HVAC contractors prevent costly water damage and maintenance issues. This episode discusses the challenges HVAC technicians face with condensate drain management and how new technology can prevent common clogs. Jeff Ponce from RectorSeal explains how Clear Drain PVC was created to stop bacteria and slime from sticking inside pipes. He shares how the zinc mixed into the PVC fills tiny pores, creating a smooth, slippery surface that keeps drains clean. Jeff also talks about how the product was first used in grocery store refrigeration systems in Europe and later tested for HVAC use in the United States. His focus is on helping contractors reduce maintenance issues, prevent water damage, and keep systems running efficiently. Expect to Learn: How condensate drain problems start and why they cause major HVAC issues. Why do traditional PVC pipes allow bacteria and biofilm to grow inside? How Clear Drain PVC from RectorSeal prevents buildup with a smooth, hydrophobic surface. The role of zinc in creating a safer and more effective drain solution. How this technology was developed, tested, and proven in real-world HVAC and refrigeration systems. Episode Highlights:  [00:00] - Intro to Jeff Ponce [02:09] The problem with condensate drain lines [04:11] Why Perfect Systems Still Get Clogged [06:09] Copper vs. aluminum coils and drain pan solutions [10:06] Clear Drain PVC: The "Slip & Slide" Solution [13:04] The Science of Biofilm and How Clogs Form [18:36] The Grocery Store Origin Story [24:35] Water damage from clogged drains This Episode is Kindly Sponsored by: Master: https://www.master.ca/ Cintas: https://www.cintas.com/ Cool Air Products: https://www.coolairproducts.net/ property.com: https://mccreadie.property.com SupplyHouse: https://www.supplyhouse.com/tm Use promo code HKIA5 to get 5% off your first order at SupplyHouse! Follow the Guest Jeff Ponce on: LinkedIn: https://www.linkedin.com/in/ponce-jeff-12109/ RectorSeal: https://www.linkedin.com/company/rectorseal/  Follow the Host: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/ Website: https://www.hvacknowitall.com Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/  Instagram: https://www.instagram.com/hvacknowitall1/

We pull on a few loose threads from recent episodes, and some of them unravel into way more than we expected.Sponsored By:Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. 1Password Extended Access Management: 1Password Extended Access Management is a device trust solution for companies with Okta, and they ensure that if a device isn't trusted and secure, it can't log into your cloud apps. CrowdHealth: Discover a Better Way to Pay for Healthcare with Crowdfunded Memberships. Join CrowdHealth to get started today for $99 for your first three months using UNPLUGGED.Unraid: A powerful, easy operating system for servers and storage. Maximize your hardware with unmatched flexibility. Support LINUX UnpluggedLinks:

Exploring behavioral design without shaming? Let's chat → professorgame.com/chat In this episode, we break down the wild world of "confirm shaming": manipulative, guilt-driven prompts apps use to push you into saying yes. From hilarious to downright unethical examples, we unpack why these dark patterns harm long-term loyalty and how to use motivation ethically to build real engagement and retention. Rob Alvarez is Head of Engagement Strategy, Europe at The Octalysis Group (TOG), a leading gamification and behavioral design consultancy. A gamification strategist and TEDx speaker, he founded and hosts Professor Game, the #1 gamification podcast, and has interviewed hundreds of global experts. He designs evidence-based engagement systems that drive motivation, loyalty, and results, and teaches LEGO® SERIOUS PLAY® and gamification at top institutions including IE Business School, EFMD, and EBS University across Europe, the Americas, and Asia.   Links to episode mentions: Confirmshaming.tumblr.com deceptive.design Ethics in Game-Based Solutions and Gamification | Episode 153 Andrzej Marczewski Doing Ethics In Gamification | Episode 161 Lets's do stuff together! Let's chat about your gamification project 3 Gamification Hacks To Boost Your Community's Revenue Start Your Community on Skool for Free Game of Skool Community YouTube LinkedIn Instagram Facebook Ask a question

What if you could fly your family to Europe in first class, stay at luxury resorts for $400 a week, and spend less on vacation than you do at home? Chelsey from Camouflage Perks shares how military families are using fee-waived credit cards and exclusive military discounts to travel the world. Today's guest is Chelsey from Camouflage Perks - Military spouse and travel expert with 45,000+ Instagram followers sharing military-exclusive travel benefits and points strategies. Key Takeaways Exclusive military travel benefits save thousands - from $200 Epic Passes to free Atlantis nights, many perks require in-person verification and aren't advertised online Fee-waived credit cards eliminate travel costs - Military spouses and service members get annual fees waived on premium cards, making $500+ in annual credits completely free Stack benefits for maximum impact - combine credit card points with military discounts to cover flights, hotels, and daily expenses Cards work without travel - streaming services, dining credits, and shopping perks can save hundreds monthly even if you never take a vacation Discipline is essential - this strategy only works if you pay balances in full every month; credit card debt disqualifies you from participating Resources & Links Mentioned: Instagram: @camouflage.perks Website: camouflageperks.com Grand Hyatt Deer Valley: Google "Deer Valley Salute to Service" Epic Pass military: epicpass.com Armed Forces Vacation Club: afvclub.com Use Your Credits (Resy restaurant finder): useyourcredits.com Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

En pleine guerre de Cent Ans, l'intervention d'une jeune paysanne qui se dit guidée par Dieu renverse le conflit en faveur du roi de France, Charles VII. Faite prisonnière, Jeanne d'Arc est condamnée à être brûlée vive pour hérésie en 1431. Mais saviez-vous que la Pucelle d'Orléans a fait l'objet, n'ont pas d'un seul, mais de multiples procès, y compris après sa mort ? Dans un récit inédit, Virginie Girod vous raconte les procès de Jeanne d'Arc. (rediffusion)Au Cœur de l'Histoire est un podcast Europe 1. - Présentatrice : Virginie Girod - Auteure du récit : Sandrine Brugot- Production : Caroline Garnier- Réalisation : Nicolas Gaspard- Direction artistique : Julien Tharaud- Composition de la musique originale : Julien Tharaud et Sébastien Guidis- Edition et Diffusion : Nathan Laporte et Clara Ménard- Visuel : Sidonie Mangin Sources : - https://www.stejeannedarc.net/ - https://parolesdhistoire.fr/index.php/2023/01/30/272-les-proces-de-jeanne-darc-avec-claude-gauvard/ - https://www.justice.gouv.fr/actualites/actualite/proces-jeanne-darc - https://jeanmarieborghino.fr/jeanne-darc-brulee-vive-sur-le-bucher/ Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Tosin and Coach round up the Top 5 leagues in Europe starting off with the:English Premier League including:Chelsea 1 - 1 ArsenalCrystal Palace 1- 2 Man UtdSunderland 3-2 Bournemouth  and the rest of the weekends fixtures Serie A: Milan 1 - 0 Lazio Juve 2 -1 CagliariPisa 0 -2 InterAtalanta 2 -0 Fiorentina Roma 0 -1 Napoli La LigaBarcelona 3-1 AlavesLevante 0 -2 Bilbao Atleti 2 - 0 Real OviedoReal Sociedad 2 - 3 VillarrealGirona 1 - 1 Real MadridBundesliga Leverkusen 1 - 2  Dortmund Bayern 3 -1 St Pauli Ligue 1Monaco 1- PSG 0Marseille 2 - 2 ToulouseStrasbourg 1- 2 Brest Lorient 3- 1 NiceAngers 1- 2 Le Harve 0- 1 LilleLyon 3- 0 NantesWe discuss some other happenings including our Winners and Losers.Tap In!

Max speaks with Michael Kimmage about his immediate reactions to the new 28-point peace plan for Ukraine, and the rapid-fire diplomacy taking place in response to its release. This conversation was recorded on November 24, 2025.

This week, I welcome Joshua Harrell, Chief Revenue Officer at WorldVia Travel Network, to the show to discuss the latest trending news in travel, including a new record for TSA, a new campaign from the DOT, and more. Later, Harrell provides insights on how travel advisors can boost their business. Hear his thoughts on what advisors should be doing on social media and why they shouldn't overlook e-mail. Harrell gives his top tips for how travel advisors can improve as we get ready for a new year. The discussion on boosting your travel business begins after the 14-minute mark. Today's episode sponsor: Air France KLM Royal Dutch Airlines serves more than 180 destinations worldwide including over 50 in Europe, Africa and India that are a convenient one stop via our convenient Amsterdam hub from Portland, Oregon or 14 other U.S. gateways. Your customers can choose from World Business Class flat-beds, a dedicated Premium Comfort Class or Economy with on demand entertainment, in-seat power, and complimentary wine and Beer. Visit the Air France KLM Business Solutions trade portal at AFKL.biz to find everything you need and sign-up to get our news right to your inbox. Have any feedback or questions? Want to sponsor the show? Contact us at Podcast@TravelPulse.com and follow us on social media @TravelPulse.See omnystudio.com/listener for privacy information.

Send us a textDownload study notes for this chapter.Download study notes for this entire book.**********Scriptures taken from the Holy Bible, New International Version ®, NIV ® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc. Used with permission. All rights reserved worldwide.The “NIV”, “New International Version”, “Biblica”, “International Bible Society” and the Biblica Logo are trademarks registered in the United States Patent and Trademark Office by Biblica, Inc.  Used with permission.BIBLICA, THE INTERNATIONAL BIBLE SOCIETY, provides God's Word to people through Bible translation & Bible publishing, and Bible engagement in Africa, Asia Pacific, Europe, Latin America, the Middle East, and North America. Through its worldwide reach, Biblica engages people with God's Word so that their lives are transformed through a relationship with Jesus Christ.Support the show

Todd and Paul travel to the National Museum of the Czech Republic to see the first exhibition of the Lucy skeleton in Europe! They stood in line with throngs of other people to witness this seminal Australopithecus skeleton firsthand. In this first in a series of three episodes recorded in Czechia, Paul and Todd describe what they saw and what it was like to view the original bones. What surprised them about seeing them in person? What religious overtones did the exhibit take on? Were the bones even real??? Find out in the latest episode of Let's Talk Creation, and be sure to come back in two weeks for part two of Todd and Paul's Czech Adventure!Materials for this EpisodePictures from the episode are found in the show noteshttps://letstalkcreation.org/wp-content/uploads/2025/11/LTC_Episode125_ShowNotes.pdfDoes Lucy Prove Evolution? (Todd's Blog)https://toddcwood.blogspot.com/2025/01/does-lucy-prove-evolution.htmlPaul and Todd's Czech Anthropology Adventurehttps://toddcwood.blogspot.com/2025/10/paul-and-todds-czech-anthropology.htmleLucy - an evolutionary resource with scans of some of her boneshttps://elucy.org/National Museum of the Czech Republichttps://www.nm.cz/Episodes mentioned in this episodeEpisode 97: Paul, Todd, and the Lucy Skeleton Part 1https://youtu.be/AL0DtPB7xvYEpisode 98: Paul, Todd, and the Lucy Skeleton Part 2https://youtu.be/NkHHI5ZIA30Playlist of Paleoanthropology Episodeshttps://www.youtube.com/playlist?list=PLOzn-NecEi8EQEPL-CsmVZRo--osOXXFf

To cap off Julius Caesar season (Julius Caeson?) Milo and Phoebe are discussing the 1953 Marlon Brando movie of the Shakespeare play. It's black and white, it's available in full on Facebook and it's VERY slutty. Listen to the full episode for discussions of the socio-political context of the 1590s, the 1950s and the teleology of auto-erotic asphyxiation. Get this episode and more on Patreon here: https://www.patreon.com/posts/144598229/ Check out Milo on tour in Bristol, Bath, Europe and Ireland: https://www.miloedwards.co.uk/liveshows

Whether it's voluntary recruitment or a form of military draft, it's happening in different parts of Europe as fear of war with Russia mounts.  Ukraine was the tipping point here but the moves are taking place, and the question is will the same concerns become apparent in Canada. Dr Janice Stein from the Munk School at the University of Toronto joins us for her regular Monday session, "Our Changing World".   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tough issues have yet to be resolved following U.S.–Ukrainian talks in Florida, Ukrainian President Volodymyr Zelenskyy said on Monday, as he and other Ukrainian officials toured Europe to rally their allies. Meanwhile, U.S. President Donald Trump's envoy is heading to Moscow to brief the Kremlin. Zelenskyy arrived in Paris to rally support from French President Emmanuel Macron, and will travel to Ireland tomorrow. Ukraine's defense minister attended an EU counterparts meeting in Brussels today.Luigi Mangione is due in New York state court today. He's accused of killing UnitedHealthcare CEO Brian Thompson a year ago. His attorneys are seeking to have evidence thrown out of court, including a notebook and a nine-millimeter handgun that prosecutors say matches the one used in the killing. The prosecution says the notebook contains passages describing Mangione's intent to “wack” a health insurance executive. His lawyers argue that investigators seized the items illegally from the 27-year-old's backpack without a warrant.

In this episode of Wonderland on Points, we sit down with German Samvel to talk about his recent trip to Prague and why it's quickly becoming one of the best budget-friendly destinations in Europe. German shares what surprised him most about the city, especially the incredible food scene, from traditional Czech dishes to one of the best tapas meals he's ever had. We chat about what dinners actually cost, why two people can eat a full meal with drinks for under $35, and how Prague delivers major European charm without the major European prices.We also dive into German's favorite experiences, including paddle boating on the river, exploring Prague Castle, wandering through historic neighborhoods, and checking out the famous “mini Eiffel Tower” viewpoint. He talks through what it's really like to get around the city, why it's so easy for first-time visitors, what weather to expect in the summer, and how surprisingly comfortable the city is for English speakers.Of course, we couldn't resist talking points and miles. German shares his favorite welcome offer right now, why Prague is such a beginner-friendly city for award travelers, and the realities of flying intra-Europe “business class.” If you're dreaming of a European weekend getaway that's beautiful, affordable, and easy to book with points, this episode will put Prague firmly on your list.Find Us On OnlineMary Ellen | JoFacebook GroupWonderland On Points BlogFind German OnlineInstagramTikTokYoutubeAffiliate LinksRakuten- Mary Ellen (Get 5000 AMEX or Bilt POINTS)Rakuten- Joanna (Get 5000 AMEX or Bilt POINTS)Chase/Capital One/Amex Card Links30% off the CardPointers subscription!FlyKitt- the BEST Jet Lag Solution!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!

There has been a renewed focus on tobacco and nicotine products across Europe. Just as countries seek to speed up the process to a smoke-free future, through measures like generational smoking bans and increased regulations on packaging and advertising, there has been a sharp increase in young people using alternative nicotine products like vapes and pouches.Philip Morris International (PMI) expects to see two-thirds of its revenue come from smoke-free products by 2030 – including its product, Zyn. Dr Moira Gilchrist, chief communications officer at PMI, and Charlie Weimers MEP, a member of the Swedish Democrats, join The Spectator's Lara Brown to talk about how nicotine pouches can help the transition away from tobacco to a smoke-free future. While this podcast was sponsored by PMI, The Spectator retained full editorial control, with no subject off-limits. Is PMI's concern genuine or purely for future-proofing their business? What lessons can the UK take from Sweden, which expects to be declared the first ‘smoke-free' country? And what does the science say?This podcast is sponsored by Philip Morris International. Hosted on Acast. See acast.com/privacy for more information.

durée : 00:11:21 - Le Fil de l'histoire - par : Stéphanie DUNCAN - 24 février 2022. L'Ukraine était réveillée par les bombes russes et les sirènes d'alerte. L'invasion russe de l'Ukraine, que jusqu'à la dernière minute beaucoup d'observateurs ont cru impossible, provoquait la stupeur en Europe en paix depuis 1945. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Could U.S. public companies shift from quarterly to semiannual reporting? Jonathan Johnson, former chairman and CEO of Overstock and current member of various boards, joins the show to unpack one of the most debated proposals to SEC reporting. They explore whether fewer formal filings would help management teams stay focused on long-term enterprise value instead of reacting to quarterly earnings swings. In this episode: • How a semiannual cadence could affect a company's time horizon • Whether companies would still feel pressure to share quarterly updates • The gap between GAAP metrics and the metrics leaders actually use to run the business • Why the growing length of 10-Qs and 10-Ks is fueling this debate • The role XBRL® tagging plays in machine and AI analysis—and what could shift • Whether board oversight and accountability would meaningfully change Jonathan also points out that semiannual reporting already works in markets like Europe and Australia. Catch this episode for a candid executive view on one of the biggest potential shifts in public-company reporting. Timestamps 00:00 Introduction 01:15 Why semi-annual reporting is back in the spotlight 03:10 CEOs vs. CFOs: What the WSJ poll revealed 06:30 How quarterly reporting shapes internal rigor 08:00 Jonathan Johnson joins the conversation 08:20 Does quarterly reporting really drive short-term thinking? 13:00 Why internal reporting cadences won't change 15:20 Are 10-Qs simply too long? 18:00 Board oversight: What would actually change? 20:00 Should executives rethink their processes? 21:50 Semi-annual reporting around the world Subscribe to The Pre-Read for more conversations at the intersection of finance, reporting, and leadership.