Podcasts about exa

Cuando pensamos en obesidad, normalmente imaginamos a una persona con mucho sobrepeso. Pero existe una realidad que pocas personas conocen: Puedes verte delgado por fuera y aun así tener una salud metabólica deteriorada por dentro. En este episodio hablamos sobre un fenómeno cada vez más común conocido como: TOFI (Thin Outside, Fat Inside) o lo que podríamos llamar: personas delgadas metabólicamente obesas. Hablaremos sobre: ✅ Qué significa realmente estar metabólicamente obeso ✅ La diferencia entre peso corporal y salud metabólica ✅ Grasa visceral y acumulación de grasa en órganos ✅ Hígado graso ✅ Resistencia a la insulina ✅ Prediabetes y diabetes ✅ Cómo medir tu composición corporal ✅ Por qué una báscula Omron puede ayudarte a detectar riesgos antes de que aparezcan síntomas Porque el objetivo no es solamente verse delgado. El objetivo es estar saludable por dentro y por fuera. Comunidad Dieta Flexible con Pepeles Pérez EXA 104.1 FM Pocket Coach Autor de “Por eso te dio diabetes” ⸻ FRASE DEL EPISODIO “Hay personas que parecen saludables cuando se miran al espejo… pero su metabolismo cuenta una historia completamente distinta.” ⸻ HASHTAGS #GrasaVisceral #Obesidad #SaludMetabolica #Diabetes #Prediabetes #ResistenciaALaInsulina #ComposicionCorporal #HigadoGraso #Nutricion #PodcastNutricion #PepelesPerez ⸻ ETIQUETAS DE YOUTUBE flaco pero obeso, delgado y obeso, grasa visceral, obesidad metabolica, thin outside fat inside, TOFI, resistencia a la insulina, diabetes tipo 2, prediabetes, higado graso, salud metabolica, composicion corporal, bascula omron, grasa abdominal, grasa interna, perder grasa visceral, nutricion saludable, podcast de nutricion, comunidad dieta flexible, pepeles perez, salud y bienestar

Muchas personas creen que mientras no se vean obesas, todo está bien. Pero existe un tipo de grasa mucho más peligrosa que la que vemos en el espejo. La famosa “pancita chelera” muchas veces es una señal de acumulación de grasa visceral, una grasa que rodea órganos como el hígado, el páncreas y los intestinos, y que se relaciona directamente con diabetes tipo 2, hígado graso, hipertensión y enfermedades cardiovasculares. En este episodio hablamos sobre: ✅ Qué es realmente la grasa visceral ✅ Por qué la pancita abdominal es una señal de alerta ✅ La diferencia entre grasa subcutánea y grasa visceral ✅ Cómo afecta la glucosa y la insulina ✅ El riesgo de hígado graso ✅ Por qué muchas personas no presentan síntomas ✅ Cómo medir tu progreso con una báscula Omron ✅ Cómo reducirla de forma gradual y sostenible Porque el problema no siempre es cuánto pesas. Muchas veces el verdadero problema es dónde está almacenada esa grasa. Blog completo: https://pocketcoach.fit ️ Comunidad Dieta Flexible con Pepeles Pérez EXA 104.1 FM Pocket Coach Autor de “Por eso te dio diabetes” ⸻ FRASE DEL EPISODIO “La grasa más peligrosa no es la que ves en el espejo. Es la que está rodeando tus órganos todos los días.” ⸻ HASHTAGS #GrasaVisceral #PancitaChelera #HigadoGraso #Diabetes #Glucosa #PerdidaDePeso #Nutricion #SaludMetabolica #HabitosSaludables #PodcastNutricion #PepelesPerez ⸻ ETIQUETAS DE YOUTUBE grasa visceral, pancita chelera, grasa abdominal, higado graso, diabetes tipo 2, glucosa alta, resistencia a la insulina, perder peso, bajar barriga, grasa en el abdomen, salud metabolica, composicion corporal, bascula omron, grasa visceral omron, obesidad abdominal, como bajar la grasa visceral, nutricion saludable, podcast nutricion, comunidad dieta flexible, pepeles perez, salud y bienestar

Paco Ánimas recibe en Jessie en Exa a David Bisbal para hablar de su nueva gira, entre anécdotas, emoción y todos los detalles que sus fans no se pueden perder. ¡No se lo pierdan!See omnystudio.com/listener for privacy information.

Una charla cargada de energía donde Paco Animas, en Jessie en EXA, conecta con Beleé para hablar de su nueva gira: sueños que se cumplen, retos en el camino y la emoción de vivir la música en vivo. ¡No se lo pierdan!See omnystudio.com/listener for privacy information.

¿Sientes que estás haciendo las cosas bien pero la báscula simplemente no se mueve? Tal vez el problema no sea tu metabolismo. Tal vez algunos de los alimentos que consumes todos los días y que consideras “saludables” están jugando en tu contra. En este episodio analizamos varios alimentos que suelen tener una excelente reputación, pero que en ciertas cantidades, contextos o frecuencias de consumo pueden dificultar la pérdida de grasa, aumentar el apetito o elevar la glucosa más de lo que imaginas. Hablaremos sobre: ✅ Alimentos que parecen saludables ✅ Pérdida de peso y control de calorías ✅ Hambre y saciedad ✅ Glucosa e insulina ✅ Errores comunes al intentar bajar de peso ✅ Composición corporal ✅ Cómo tomar mejores decisiones sin caer en extremos Porque muchas veces el problema no es lo que comes… sino la cantidad, la frecuencia y el contexto en el que lo consumes. Artículo completo: https://pocketcoach.fit/8-alimentos-que-seguro-comes-y-que-te-podrian-estar-engordando-o-generando-una-glucosa-elevada ️ Comunidad Dieta Flexible con Pepeles Pérez EXA 104.1 FM Autor de “Por eso te dio diabetes” ⸻ FRASE DEL EPISODIO “No existen alimentos mágicos para bajar de peso. Pero sí existen alimentos que muchas personas consumen pensando que ayudan… cuando en realidad podrían estar frenando sus resultados.” ⸻ HASHTAGS #PerdidaDePeso #Nutricion #Glucosa #ResistenciaALaInsulina #ComposicionCorporal #AlimentacionSaludable #BajarDePeso #Diabetes #HabitosSaludables #PodcastNutricion #PepelesPerez ⸻ ETIQUETAS DE YOUTUBE alimentos que engordan, perder peso, bajar de peso, glucosa alta, resistencia a la insulina, alimentos saludables, alimentacion saludable, composicion corporal, diabetes tipo 2, controlar glucosa, bajar glucosa naturalmente, hambre constante, perder grasa, errores al bajar de peso, metabolismo lento, nutricion flexible, podcast nutricion, podcast fitness, salud metabolica, comunidad dieta flexible, pepeles perez

¿Y si algunos de los alimentos que consideras saludables fueran precisamente los que están dificultando tu pérdida de peso? Muchas personas hacen un enorme esfuerzo por comer mejor, pero sin darse cuenta consumen productos que pueden provocar picos de glucosa, aumentar el hambre horas después y dificultar el control de las calorías. En este episodio analizamos los primeros 4 alimentos de una lista que podría sorprenderte. Hablaremos sobre: ✅ Picos de glucosa y hambre ✅ Alimentos que parecen saludables ✅ Errores comunes al intentar bajar de peso ✅ Resistencia a la insulina ✅ Control del apetito ✅ Composición corporal ✅ Cómo elegir mejores alternativas Porque no siempre se trata de comer menos. Muchas veces se trata de entender mejor lo que estás comiendo. Artículo completo: https://pocketcoach.fit/8-alimentos-que-seguro-comes-y-que-te-podrian-estar-engordando-o-generando-una-glucosa-elevada ️ Comunidad Dieta Flexible con Pepeles Pérez EXA 104.1 FM Autor de “Por eso te dio diabetes” ⸻ HASHTAGS #PerdidaDePeso #Glucosa #Nutricion #ResistenciaALaInsulina #Diabetes #AlimentacionSaludable #ControlDePeso #HabitosSaludables #ComposicionCorporal #PodcastNutricion #PepelesPerez ⸻ ETIQUETAS DE YOUTUBE glucosa alta, alimentos que engordan, resistencia a la insulina, bajar de peso, perder grasa, nutricion saludable, control de glucosa, diabetes tipo 2, alimentos saludables, composicion corporal, hambre constante, picos de glucosa, dieta flexible, alimentacion saludable, bajar glucosa naturalmente, perder peso despues de los 40, podcast nutricion, pepeles perez, comunidad dieta flexible, salud metabolica, control de peso

Nos divertimos una mes más jugando el clásico Soundtrack en cabina de Exa fm.See omnystudio.com/listener for privacy information.

¿Te han dicho alguna vez que estás obsesionado con el gimnasio, con la nutrición o con cuidarte? Curiosamente, pocas personas utilizan esa misma palabra cuando alguien duerme mal, vive sedentario, consume ultraprocesados todos los días o lleva años ignorando su salud. En este episodio hablamos sobre una pregunta incómoda: ¿Realmente estamos obsesionados con cuidarnos o hemos normalizado tanto los malos hábitos que cualquier intento de mejorar parece exagerado? Hablaremos sobre: ✅ Alimentación saludable y presión social ✅ El sedentarismo como hábito normalizado ✅ Disciplina vs obsesión ✅ Por qué comer saludable parece un castigo para muchas personas ✅ El impacto de los hábitos diarios en la salud física y mental ✅ Cómo construir una vida con más energía, salud y bienestar ✅ La diferencia entre sentirse bien y buscar aprobación externa Porque tal vez no estás obsesionado con la salud. Tal vez simplemente dejaste de normalizar hábitos que te estaban destruyendo poco a poco. ️ Comunidad Dieta Flexible con Pepeles Pérez EXA 104.1 FM Autor de “Por eso te dio diabetes” Artículo completo: https://pocketcoach.fit/realmente-estoy-obsesionado-o-simplemente-me-gusta-sentirme-bien ⸻ HASHTAGS #Nutricion #HabitosSaludables #Salud #Fitness #Gym #PerdidaDePeso #Bienestar #Disciplina #Mentalidad #PodcastSalud #PepelesPerez ⸻ ETIQUETAS nutricion saludable habitos saludables obsesion con la salud obsesion con el gimnasio alimentacion saludable perder peso disciplina personal salud y bienestar fitness motivacion podcast de nutricion podcast fitness ⸻ PALABRAS CLAVE SEO salud metabólica, hábitos saludables, alimentación saludable, nutrición flexible, pérdida de peso sostenible, disciplina y motivación, salud física y mental, bienestar integral, ejercicio y salud, cómo crear hábitos, composición corporal, estilo de vida saludable

Inmigrantes toma el micrófono de Jessie en Exa. Acompaña a Paco Animas en una charla musical exclusiva con la banda. ¡No se lo pierdan!See omnystudio.com/listener for privacy information.

Sarah Wang speaks with Exa cofounder and CEO Will Bryk about building search infrastructure for the AI era. The conversation covers Exa's origins, why traditional search engines were not designed for AI agents, and how search changes when the user is no longer a human but an autonomous system. They discuss retrieval, agent workflows, coding agents, data access, and why search may become a foundational layer for the emerging agent economy. Along the way, Bryk shares his views on AI-native products, the future of information discovery, and why some of the most important problems in technology can ultimately be framed as search problems.   Resources: Find Will on X: https://x.com/WilliamBryk Find Sarah on X: https://x.com/sarahdingwang Stay Updated:Find a16z on YouTube: YouTubeFind a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sarah Wang speaks with Exa cofounder and CEO Will Bryk about building search infrastructure for the AI era. The conversation covers Exa's origins, why traditional search engines were not designed for AI agents, and how search changes when the user is no longer a human but an autonomous system. They discuss retrieval, agent workflows, coding agents, data access, and why search may become a foundational layer for the emerging agent economy. Along the way, Bryk shares his views on AI-native products, the future of information discovery, and why some of the most important problems in technology can ultimately be framed as search problems.   Resources: Find Will on X: https://x.com/WilliamBryk Find Sarah on X: https://x.com/sarahdingwang Check out everything a16z is doing with artificial intelligence here, including articles, projects, and more podcasts. Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

En este episodio de Jessie en Exa, Paco Ánimas platica en exclusiva con Reykon. El cantante colombiano abre el micrófono para contarnos todo sobre su trayectoria, sus más recientes proyectos musicales y los secretos detrás de sus grandes éxitos en el reggaetón.See omnystudio.com/listener for privacy information.

Escucha el podcast del programa Adana y Evo a través de Exa 96.9 FM, en Santo Domingo, República Dominicana correspondiente al lunes 25-mayo-2026.

¡La leyenda del rock en la cabina! Paco Ánimas en Jessie en EXA presenta una charla imperdible con El Haragán y Cía. Un recorrido por sus himnos callejeros, la realidad social en sus letras y el secreto para mantenerse vigentes en el corazón del público tras décadas de historia.See omnystudio.com/listener for privacy information.

¡El "pogo" se siente en la radio! Paco Ánimas recibe a los integrantes de Tan Biónica en un encuentro exclusivo para Jessie en Exa. Acompáñanos a repasar la trayectoria, los himnos y el gran regreso de una de las bandas más icónicas del rock pop actual.See omnystudio.com/listener for privacy information.

Claire Vo is the host of our sister podcast, “How I AI,” a former product executive and engineer, and founder of an AI startup called ChatPRD. Claire now runs her business, podcast, and family life with the help of nine OpenClaw agents running on multiple Mac Minis and old laptops. In this episode, Claire shares her journey from OpenClaw skeptic (it deleted her family calendar the first time she tried it) to true believer, and gives a masterclass in using AI agents in real life.We discuss:1. The exact step-by-step process to install and set up OpenClaw (it's easier than you think)2. How to avoid the biggest OpenClaw mistakes (don't install it on your main computer)3. Actual use cases that have changed Claire's life (e.g. family scheduling, inbound sales, podcast prep, and course management)4. Why multiple specialized agents beat one general-purpose agent5. The security risks everyone worries about—and how to handle them6. Browser limitations, memory issues, and practical workarounds—Brought to you by:Mercury—Radically different bankingOmni—AI analytics your customers can trustOrkes—The enterprise platform for reliable applications and agentic workflows—Where to find Claire Vo:• X: https://x.com/clairevo• LinkedIn: https://www.linkedin.com/in/clairevo• Podcast: https://www.youtube.com/@howiaipodcast• Website: https://clairevo.com• ChatPRD: https://www.chatprd.ai—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction to Claire and OpenClaw(08:00) The journey from OpenClaw skeptic to believer(11:50) What OpenClaw actually does that's useful(13:35) OpenClaw vs. other AI agent products(17:05) How to actually install OpenClaw: the basics(18:49) Setting up like you'd onboard a real assistant(20:41) Security and privacy considerations(24:53) Live demo: Installing OpenClaw step-by-step(28:47) Setting up Q: an agent for her kids' homework(34:08) Understanding “soul,” “identity,” and “memory”(40:40) The unlock: multiple agents, not just one(45:02) How to run multiple agents on one machine(47:28) Jesse Genet's homeschooling use case(49:58) Real examples and use cases(56:41) Finn, Claire's family agent(1:00:05) Sage the Course Bot(1:02:15) Common issues and workarounds(1:08:08) The Exa/Perplexity web search workaround(1:09:29) Memory management and context overload(1:12:09) Pro tip: Screen sharing to manage Mac Minis(1:14:18) Using Google Workspace for agent collaboration(1:16:24) What makes OpenClaw special(1:20:15) The “yappers API” and ramble mode(1:22:04) Using Claude Code as your OpenClaw brain surgeon(1:25:16) Bringing management skills to AI agents(1:29:32) Why this matters(1:32:37) Lightning round and final thoughts—Referenced:• OpenClaw: https://openclaw.ai• Claude Cowork: https://claude.com/product/cowork• Fry's Electronics: https://en.wikipedia.org/wiki/Fry%27s_Electronics• Peter Steinberger on LinkedIn: https://www.linkedin.com/in/steipete• Telegram: https://telegram.org• WhatsApp: https://www.whatsapp.com• Fin: https://fin.ai• Why OpenClaw feels alive even though it's not (this AI has a heartbeat but not a brain): https://x.com/clairevo/status/2017741569521271175• 5 OpenClaw agents run my home, finances, and code | Jesse Genet: https://www.youtube.com/watch?v=96Vl8s3EQhk• Executive Playbook for AI in Engineering, Product, and Design: https://maven.com/clairevo/ai-native-epd-org• Zach Davis on LinkedIn: https://www.linkedin.com/in/zach-m-davis/• ChatGPT Atlas: https://chatgpt.com/atlas• Perplexity Comet: https://www.perplexity.ai/comet• Browser (OpenClaw-managed): https://docs.openclaw.ai/tools/browser• Buffer: https://buffer.com• Brave: https://brave.com/search/api/• Exa: https://exa.ai• Hilary Gridley on X: https://x.com/yourgirlhils• How to become a supermanager with AI: https://www.lennysnewsletter.com/p/how-to-become-a-supermanager-with• How custom GPTs can make you a better manager | Hilary Gridley (Head of Core Product at Whoop): https://www.youtube.com/watch?v=xDMkkOC-EhI• How to debug a team that isn't working: the Waterline Model: https://www.lennysnewsletter.com/p/how-to-debug-a-team-that-isnt-working• Jensen Huang on LinkedIn: https://www.linkedin.com/in/jenhsunhuang• How I built a 1M+ subscriber newsletter and top 10 tech podcast | Lenny Rachitsky: https://www.lennysnewsletter.com/p/how-i-built-a-1m-subscriber-newsletter• Age of Attraction on Netflix: https://www.netflix.com/title/81779095• Oura Ring: https://ouraring.com/• Eight Sleep: https://www.eightsleep.com• Hoopsalytics: https://hoopsalytics.com• DJI Osmo smartphone gimbal: https://www.amazon.com/DJI-Stabilizer-Tracking-Extension-Stabilization/dp/B0FJ2L67HJ?ref_=ast_sto_dp• Silent basketball: https://www.amazon.com/Rzkipdy-Silent-Basketball-Size-27-5/dp/B0FHFSQWPP/ref=sr_1_9• Marc Andreessen: The real AI boom hasn't even started yet: https://www.lennysnewsletter.com/p/marc-andreessen-the-real-ai-boom—Recommended books:• Treasure Island: https://www.amazon.com/Treasure-Island-Robert-Louis-Stevenson/dp/1505297400• Alice's Adventures in Wonderland: https://www.amazon.com/Alices-Adventures-Wonderland-Illustrated-Illustrations/dp/991673268X• Charts for Babies: A Picture Book: https://www.amazon.com/Charts-Babies-Picture-Book/dp/1419785184—Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed. To hear more, visit www.lennysnewsletter.com

En este episodio de #LosStreameadores te platicamos de: La Novia, Bodas S.A, Si Pudiera Te Patearía, LOL 8, 56 Días, Nuremberg, Baki-Dou: El Samurái Invencible & Fórmula 1. Elenco del episodio: Freddy Gaitán, Ricardo Verástegui, Laura Aréchiga, Luis Bueno, Rubén Vidales, David Elizondo, Karina Díaz, Juan Carlos Mendiola & Yohana Góngora. ¡Podcast para #Streameadores de TIEMPO COMPLETO! Visita: https://www.freddygaitan.com.mx ¡Síguenos! https://www.instagram.com/losstreameadores/ https://www.instagram.com/rverastegui/ https://www.instagram.com/freddygaitan/ https://www.instagram.com/laura.arevi/ Producido en Inspiral México: http://www.inspiral.com.mx

Paco Animas recibe en cabina a la estrella internacional Kali Uchis en Jessie en EXA. Una charla muy breve y general sobre su ascenso en la escena musical, sus raíces latinas y el proceso creativo detrás de sus más grandes éxitos.See omnystudio.com/listener for privacy information.

Algo de lo que puedes escuchar en nuestras presentaciones y también todos los sábados en el 101.7 FM EXA Culiacán de 9 a 11 PM. Contrataciones al WhatsApp 6673032297. No olvides seguirnos en todas nuestras redes sociales como @djchekevargas. En todas partes, DJ Cheke está en EXA.

En este episodio de #LosStreameadores te platicamos de: Primate, Familia en Renta, The Pitt, Miss Carbón, Amor de Oficina, Los Colorado, La Influencer Siniestra y Final de Stranger Things. Elenco del episodio: Freddy Gaitán, Ricardo Verástegui, Laura Aréchiga, Luis Bueno y Alexis Bastiere. ¡Podcast para #Streameadores de TIEMPO COMPLETO! Visita: https://www.freddygaitan.com.mx ¡Síguenos! https://www.instagram.com/losstreameadores/ https://www.instagram.com/rverastegui/ https://www.instagram.com/freddygaitan/ https://www.instagram.com/laura.arevi/ Producido en Inspiral México: http://www.inspiral.com.mx

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Rudy Tercero.See omnystudio.com/listener for privacy information.

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Tamara Vargas.See omnystudio.com/listener for privacy information.

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Pontón con tecnología.See omnystudio.com/listener for privacy information.

01 22Bullets - My Pulse 02 Blackcode, NONIK & Jordan Grace - Can't Back Down 03 KILIMANJARO 'SENTA' 04 Sam Smith, Kim Petras - Unholy (Mr. StarZ Remix) 05 Brazi - Esa Mami (Extended Mix) 06 Armin van Buuren & Punctual feat. Alika - On & On (JOA Extended Remix) 07 GAWP, Saxton - PROPANE 08 A7S x HEADER - Dreaming (Club Mix) 09 EXA & Eva Shaw - Space Jungle 2026 10 Blasterjaxx - Unfaithful 11 Alison Wonderland 'Floating Away' 12 Indecent Noise x Artento Divini - Right Here, Right Now 13 Lilly Palmer & DANNY AVILA - Morals 14 Mauro Picotto - Komodo (Gabry Ponte Extended Remix) 15 Eli Brown - Wavey (Charlie Sparks Extended Remix) 16 THOMM - Give It Hard 17 Maddix & TMPL - The Ultimate Seduction 18 01 LYNSY - Fast Beat

01 22Bullets - My Pulse 02 Blackcode, NONIK & Jordan Grace - Can't Back Down 03 KILIMANJARO 'SENTA' 04 Sam Smith, Kim Petras - Unholy (Mr. StarZ Remix) 05 Brazi - Esa Mami (Extended Mix) 06 Armin van Buuren & Punctual feat. Alika - On & On (JOA Extended Remix) 07 GAWP, Saxton - PROPANE 08 A7S x HEADER - Dreaming (Club Mix) 09 EXA & Eva Shaw - Space Jungle 2026 10 Blasterjaxx - Unfaithful 11 Alison Wonderland 'Floating Away' 12 Indecent Noise x Artento Divini - Right Here, Right Now 13 Lilly Palmer & DANNY AVILA - Morals 14 Mauro Picotto - Komodo (Gabry Ponte Extended Remix) 15 Eli Brown - Wavey (Charlie Sparks Extended Remix) 16 THOMM - Give It Hard 17 Maddix & TMPL - The Ultimate Seduction 18 01 LYNSY - Fast Beat

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Liliana Olivares. See omnystudio.com/listener for privacy information.

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Sebastián Chacón.See omnystudio.com/listener for privacy information.

Escucha el podcast del programa Adana y Evo a través de Exa 96.9 FM, en Santo Domingo, República Dominicana correspondiente al jueves 01-enero-2026.

Le mix de Showtek dans 103 Klubb le 27 Décembre 2025 de 18H à 19H Tracklist: Alex Cecil - Bump It *** Chapter & Verse - Night Pulse *** Diego San Diego , Alec Monopoly - Tequila *** Fafaq X Dj Kuba & Neitan - Spread Love *** Tujamo , Plastik Funk - WHO (Brandon Remix) *** Skytech - All I Wanna Do *** Costel Van Dein & Avi Sic - No Tears *** Tiesto & Sevenn - Boom (Mr Black remix) *** Exa & Waztoo - $$$ *** Showtek - Braincrackin’ (Mike Enzo Remix) *** David Gravell - Wonderland *** Bassjackers - Kids *** Joey Dale, Maski & Banga - Outer Space *** Diabeat & Nibu - Echotek *** DION - Traffic *** Restricted, Anderex - WTF *** Dark Punk Hippies - Madre Mia

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Tamara VargasSee omnystudio.com/listener for privacy information.

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Cathy Calderón.See omnystudio.com/listener for privacy information.

Lo Mejor de Jessie en EXA. Además, nuestro gran equipo de colaboradores: Gil Barrera con espectáculos, Poncho Vera con los deportes,El Borrego Nava y Rudy Tercero. See omnystudio.com/listener for privacy information.

.EXA and Waztoo show the cash with their newest big room sound '$$$'. Classic big room leads meet the raw German techno sound. track made for the mainstage, loud, bold, and full of power. Listen / Download ▶︎ https://skink.ffm.to/sk383 Follow our 'Bass Music' playlist ▶︎ https://open.spotify.com/playlist/4ZMLnMoO4gdMOscI8OutYZ?si=751b3b6b34004773 Connect with us: Instagram → https://www.instagram.com/skinkrec/ TikTok → https://www.tiktok.com/@skinkrecords Facebook → https://www.facebook.com/skinkofficial Soundcloud → https://soundcloud.com/skinkofficial For demo's and more info → https://skinkrecords.com/ Connect with .EXA: Spotify → open.spotify.com/artist/4fCHA6Os4QKfn5UngdAf3i Soundcloud → @exa_thedj Instagram → www.instagram.com/exa_thedj/ Connect with Waztoo: Spotify → open.spotify.com/artist/0MP4QHK5B…YpTmmLi2c-FZ0jvQ Soundcloud → @waztoo Instagram → www.instagram.com/waztoo_ofc/ Facebook → www.facebook.com/WazToo TikTok → www.tiktok.com/@waztoo

Search is shifting to intelligent, context-rich answers from static links. You.com CEO Richard Socher joins Bloomberg Intelligence senior software analyst Sunil Rajgopal on this episode of the Tech Disruptors podcast to discuss how You.com powers AI search for companies such as DuckDuckGo, while differentiating from enterprise peers like Glean and Exa through its web indexing, real-time accuracy and privacy-first design. “The biggest factor to get LLMs to give accurate, non-hallucinated answers is the search infrastructure layer,” Socher says. The discussion also covers the market opportunity, competitive landscape and future initiatives.

¡No te pierdas la visita de La La Love You con Jessie Cervantes en Exa! La banda española, conocida por sus éxitos de power pop como 'El Fin del Mundo' y 'Más Colao Que el Colacao', se sienta a conversar sobre sus inicios, la clave de su éxito internacional y su conexión especial con el público mexicano.See omnystudio.com/listener for privacy information.

¡No te pierdas las mejores recomendaciones de cine para este fin de semana con Dani Gómez en El Podcast con Jessie Cervantes en Exa!See omnystudio.com/listener for privacy information.

It has been a couple of weeks but the gang finally got back together to devote an entire episode to one of our favorite, and longest lived camera brands, the Ihagee Exakta.  If you are familiar with the Exakta name, you probably know them as a maker of high end, but very quirky 35mm SLRs, however there were far more Exaktas produced in the 20th century using three different forms of film and nine different lens mounts.  In Episode 98, the Camerosity Podcast hosts do their best to try and corral all those models and history into a single episode. Joining Anthony, Stephen, Paul, and Mike are returning and first time callers Daniel from Chicago, Eric Lorenz, Fernando Villava, Howard Sandler, Ira Cohen, Michael Boudreau, Mike Toppo, Pat Casey, and Phil Clark. We were unable to find an expert who could speak intelligently on the history and wide range of Exakta models made, so Mike did his best to cover the history, starting with how the company formed, and we go (mostly) in chronological order from the first 127 Vest Pocket Exaktas, the Night Exaktas, the early Kine Exaktas, into the Varex models, the redesigned VX1000 and Elbeflex models, and into the weeds with uncommon cameras like the Exakta Real, Exakta Twin TL, and some other Japanese and Chinese made models. In addition to the Ihagee Exakta, we also dedicate a bit of time to the Exakta's little brother, the Exa, covering that models strengths and weaknesses.  We attempt to explain how the shutter on early Exas work, and Mike tells a story of a hard to find "System Exa" that's not even made by Ihagee at all. Many questions were asked with varying levels of good answers, including how many lens mounts can be found on an Exakta camera, how many different companies produced Exakta cameras, what is the best introduction to the Exakta lineup, and whether or not Exaktas are good for shooting or just for collecting.  We even spend some time on the infamous Exaka with 400mm Kilfitt lens found in the Hollywood classic movie, Rear Window. And just to round it all off, we spend the end of the episode on the Topcon SLRs which use the Exakta mount, including whether all lenses are fully compatible between the two company's models. As always, the topics we discuss on the Camerosity Podcast are influenced by you!  Please don't feel like you have to be an expert on a specific type of camera, or have the level of knowledge on par with other people on the show.  We LOVE people who are into shooting or collecting cameras, no matter how long you've been doing it, so please don't consider your knowledge level to be a prerequisite for joining! The guys and I rarely know where each episode is going to go until it happens, so if you'd like to join us on a future episode, be sure to look out for our show announcements on our Camerosity Podcast Facebook page, the Camerosity Discord server, and right here on mikeeckman.com. We usually record every other Monday and announcements, along with the Zoom link are typically shared 2-3 days in advance. The last several episodes of the show have been wonderfully exciting and informational.  We've had a huge number of guests, many of whom are first time callers who joined a long list of people who have contributed to this show.  And while all the hosts enjoy chatting with all of you, we haven't had an episode to ourselves in a while, so for Episode 99, we are not taking any callers.  We want to spend this time to get caught up on what we've been doing, share with you some of the private discussions we have behind closed doors, but mostly, we're looking for an episode that's easier to edit. Don't worry though, for the next, next episode, we hit triple digits, episode number 100.  It gives me chills just typing that here.  We will be looking for something special for our centennial episode and once we know what that is, and what date we are recording it, we will be sure to let you all know!  Until then, Episode 99 will be recorded sometime in early October. In This Episode Exaktas Are an Accidental Collection / Mike Had Wanted to Do an Exakta Show with Hugo Ruys Did Ihagee Ever Make Their Own Lenses? / Canon Once Made a Lens Using the Exakta Mount Did Other Companies Make Cameras that Use the Exakta Mount? Topcon R / Mamiya Prismat / Tokiwa Seiki Firstflex 35 Differences Between a Night Exakta and a Regular Vest Pocket Exakta What is a "Kine Exakta"? / Identifying All the Different Exaktas / Mike Mirrors wrotniak.net Captain Jack's Exakta Website / Exakta Books and other Sites What is the Difference between Varex, VX, and non Varex? Paul's Tip for Cleaning an Exakta Ground Glass The Exakta VX1000 Signaled a Big Change in Exakta Design / Mike Thinks the VX1000 Is the Perfect First Exakta A Kickstarter to Revive the Elbaflex / The Real Elbaflex Using the Exakta's Film Cutter / Cassette to Cassette Film Transport / Exakta and Exa Take Up Spools Differences Between Exaktas and Exas The Ihagee Exa that Wasn't Made By Ihagee / System Exa / How Does the Shutter Work on the Exa? How Likely Are you to Find Working Exaktas and Exas? / Cloth Shutter Curtains What was the Lens and Camera Used in the Movie Rear Window? / Kilfitt Lenses / Adapting Exakta Lenses Olympus Made a 4cm f/3.5 Zuiko Lens in Exakta Mount / Exa and Exaktas Advance Film Opposite of Each Other It's Spelled Ihagee, not Jhagee or Thagee The Horizontal and Vertical Exakta 66 Medium Format SLRs The Exakta Real Was an Attempt to Re-Launch the Exakta With More Modern Features Exakta Twin TL and Twin TL 42 / How Many Lens Mounts Can Be Found on Exakta Cameras? Are Exaktas Good for Shooting or Just for Collectors? / The Exakta Self-Timer and Slow Speed Escapement Do Topcon SLRs Have the Same Mount as the Exakta? / Lens Compatibility Links The Camerosity Podcast is now on Discord! Join Anthony, Paul, Theo, Stephen, and Mike on our very own Discord Server. Share your GAS and photography with other listeners in the Lounge or in our dedicated forums. If you have questions for myself or the other guys, we have an “Ask the Hosts” section as well where you can get your question answered on a future show! Check it out! https://discord.gg/PZVN2VBJvm. If you would like to offer feedback or contact us with questions or ideas for future episodes, please contact us in the Comments Section below, our Camerosity Facebook Group, Instagram page, or Discord server. Order Your Very Own Camerosity Podcast T-Shirt! - https://www.zazzle.com/z/tbykl0hg The Official Camerosity Facebook Group - https://www.facebook.com/groups/camerositypodcast Camerosity Instagram - https://www.instagram.com/camerosity_podcast/ Theo Panagopoulos - https://www.photothinking.com/ Paul Rybolt - https://www.ebay.com/usr/paulkris - https://thisoldcamera.net/ Anthony Rue - https://www.instagram.com/kino_pravda/

In this episode, Matt Paige and Thais Castello Branco discuss the evolving landscape of search technologies, focusing on the shift from traditional SEO to new disciplines like Generative Engine Optimization (GEO) and Answer Engine Optimization (AEO).They explore how Long Language Models (LLMs) are transforming search behavior, causing consumers to pivot from traditional tools like Google to AI applications such as ChatGPT and Perplexity.They delve into how businesses are adapting their content strategies for AI consumption, the importance of context in AI queries, and the emerging trends in consumer and B2B search ecosystems. --Key Moments:01:17 Is SEO Dead?01:24 The Importance of SEO in AI Searches02:02 Optimizing Content for AI03:46 Exa's Unique Approach to Search06:31 Emerging Trends in GEO12:38 The Future of Internet Content18:13 Competitive Landscape in AI Search21:15 Consumer Trust in AI and Ads22:43 The Future of Search and Consumer Behavior25:19 The Importance of Context in AI Queries26:49 Introducing the Web Sets Tool28:21 Live Demonstration of Web Sets33:34 AI's Impact on Efficiency and Proactivity36:57 Favorite AI Tools and Future Prospects--Key Links:ExaConnect with Thais on LinkedInMentioned in this episode:AI Opportunity FinderFeeling overwhelmed by all the AI noise out there? The AI Opportunity Finder from HatchWorks cuts through the hype and gives you a clear starting point. In less than 5 minutes, you'll get tailored, high-impact AI use cases specific to your business—scored by ROI so you know exactly where to start. Whether you're looking to cut costs, automate tasks, or grow faster, this free tool gives you a personalized roadmap built for action.

On this episode of the ThinkData Podcast, I sit down with Thais Branco, Head of Strategy & Marketing at Exa, the AI-first search engine reshaping how humans and agents explore the web.We dive into what sets Exa apart from competitors like Perplexity and Bing, the bold strategies behind its rapid growth, and Thais' perspective on where AI agents are truly moving the needle.Discussion PointsHow Exa positions itself differently from Perplexity and Bing.The GTM tactics that helped Exa grow sign-ups 8× in just five months.The story behind the balloon-box campaign and its impact.How Exa uses AI daily across marketing, content, and GTM execution.Insights from analyzing 500+ AI agent companies, top trends, and standout use cases.

En este episodio de #LosStreameadores te platicamos de: La Hermanastra Fea, Dreams, Wednesday T2, Autos, Mota y Rocanrol, Leonora & Demon Slayer: Castillo Infinito. • Elenco del episodio: Freddy Gaitán, Laura Aréchiga, Ricardo Verástegui, Luis Bueno, Karina Díaz, Juan Carlos Mendiola y Alexis Bastiere. ¡Podcast para #Streameadores de TIEMPO COMPLETO! Visita: https://www.freddygaitan.com.mx ¡Síguenos! https://www.instagram.com/losstreameadores/ https://www.instagram.com/rverastegui/ https://www.instagram.com/freddygaitan/ https://www.instagram.com/laura.arevi/ Producido en Inspiral México: http://www.inspiral.com.mx

An epidemic has swept Camerosity HQ along with a large swath of the camera collector groups.  It seems a cheap Chinese toy camera has made its way into the homes of all of us and resulted in us sharing images from it online.  Have we gone mad?  Do you dream of tiny TLRs at night?  In Episode 97 we tackle the controversial Chuzhao mini-TLR digital camera.  This $35 camera available worldwide through Amazon and Alibaba is selling like crazy now and each of the hosts ask our listeners what their thoughts are on it. In addition to Chuzhao talk, we spend a good portion of the show on a completely unrelated topic, which is what to do with your cameras when you die.  Mike and Paul both share their stories of picking up large estates of vintage cameras and what we ended up doing with them.  If you think the prospect of being asked to tackle a 4500 piece collection sounds awesome, you should definitely listen to this episode as we have some thoughts on what its like. Joining Anthony, Paul, Stephen, Theo, and Mike are returning callers A.J. Gentile, Ed Gabe, Greg McCreash, Ira Cohen, Larry Effler, Pat Casey, Phil Clark, Will Pinkham, and first time callers Doug Doyle, Rob Latimer, and William Ponder. In addition to Chuzhao and Camera Estate talk, Ira shares some selections from his tiny TLR collection including a couple rare Hit film models, Paul shares his thoughts on what you should do in preparation for what happens to your collection after you die, Mike briefly talks about an uncommon 1950s 35mm SLR called the Tokiwa Seiki Pentaflex, and Rob shares his thoughts on the Zeiss-Ikon Super Nettar. Meet Paul and Mike: If you are in the vicinity of Cincinnati, Ohio on Saturday, September 6th, come to the Ohio Camera Swap at the Hilton Garden Inn Cincinnati/West Chester and say hi to us.  Both Paul and I will have a lot of Miranda cameras to sell!  Who knows, maybe even some other Camerosity Podcast regulars will show up as well.  While you're there, maybe you can buy something from us! As always, the topics we discuss on the Camerosity Podcast are influenced by you!  Please don't feel like you have to be an expert on a specific type of camera, or have the level of knowledge on par with other people on the show.  We LOVE people who are into shooting or collecting cameras, no matter how long you've been doing it, so please don't consider your knowledge level to be a prerequisite for joining! The guys and I rarely know where each episode is going to go until it happens, so if you'd like to join us on a future episode, be sure to look out for our show announcements on our Camerosity Podcast Facebook page, the Camerosity Discord server, and right here on mikeeckman.com. We usually record every other Monday and announcements, along with the Zoom link are typically shared 2-3 days in advance. For our next episode we are devoting a whole show to the Ihagee Exakta and Exa cameras.  As one of the earliest 35mm SLRs and also one of the most successful, millions of Exakta cameras were made over several decades of the 20th century, so there are a great deal of them to talk about.  As usual, we'll cover some history about the brand, go over their use, and cover some of the more interesting or collectible models.  If we have time, we will even cover the "other" Exaktas like the Exakta Real and the Pentacon produced RTL1000.  Will we stay on track or end up finally discussing large format?  You'll only know if you turn into Episode 98 which will be recorded on Monday, September 8th at 7pm Central Daylight Time and 8pm Eastern Daylight Time. In This Episode Everyone Lost their Minds and Bought a Chuzhao / Many Chuzhao Resellers are Scams / Beware Where You Buy! The Chuzhao is Only Worth it if You get it for the Equivalent of USD$40 or Less / Hacking the Chuzhao Blown Out Highlights / The Chuzhao Is Great for Children or for Having Fun / Battery Life Small Cameras Like the Chuzhao Break Down Barriers when Photographing People Ira Cohen Has Many Other Really Small TLRs / Babyflex, Museflex, and Gemflex / Japanese Hit Film Cameras Constructor and Blackbird Camera / Other Toy Cameras / Lego 3-in-1 Camera 5 Years Ago, Paul Picked Up a 4500 Piece Collection Why Do Some Collectors Have Multiples of the Same Camera Mike Goes to Texas to Get a Large Miranda Collection The Many Variations of the Vest Pocket Kodak Camera / World War I Soldier's Camera Ira Has Negative Niches in His Collection Inheriting a Large Collection is Fun But Overwhelming Advice On What Should Happen With Your Collection After You Die / Tell Someone / Keep Records / Don't Lie How Do You Sell High Value Cameras from a Collection? Mike Recommends Shipping Large Collections with U-Haul U-Boxes Packing Cameras / Estimating the Value of a Collection More Tips for Preparing Your Collection For After Your Demise Tokiwa Seiki Pentaflex / Zeiss-Ikon Super-Nettel / Donating Cameras Yashicaflex TLRs / Do You Get More Satisfaction Getting an Image from a More Difficult Camera? Coated vs Uncoated Lenses / The Non-Rangefinder Version of the Kodak 35 / Canon VI-T Links The Camerosity Podcast is now on Discord! Join Anthony, Paul, Theo, Stephen, and Mike on our very own Discord Server. Share your GAS and photography with other listeners in the Lounge or in our dedicated forums. If you have questions for myself or the other guys, we have an “Ask the Hosts” section as well where you can get your question answered on a future show! Check it out! https://discord.gg/PZVN2VBJvm. If you would like to offer feedback or contact us with questions or ideas for future episodes, please contact us in the Comments Section below, our Camerosity Facebook Group, Instagram page, or Discord server. Order Your Very Own Camerosity Podcast T-Shirt! - https://www.zazzle.com/z/tbykl0hg The Official Camerosity Facebook Group - https://www.facebook.com/groups/camerositypodcast Camerosity Instagram - https://www.instagram.com/camerosity_podcast/ Theo Panagopoulos - https://www.photothinking.com/ Paul Rybolt - https://www.ebay.com/usr/paulkris - https://thisoldcamera.net/ Anthony Rue - https://www.instagram.com/kino_pravda/

Todos los sábados en punto de las 9pm no te pierdas las mejores mesclas de musica con Dj Cheke en EXA 101.7 FM Sigueme en mis redes sociales @djchekevargas

Escucha el podcast del programa Adana y Evo a través de Exa 96.9 FM, en Santo Domingo, República Dominicana correspondiente al viernes 08-agosto-2025.

In this episode of the Azizi Podcast, host Samir Azizi is joined by developer Kirill Spitsyn to explore the development journey behind Bespoke Beaver — a fun and functional AI-powered app created by the Toronto DAO team. This tool scrapes your Twitter persona and recommends 5 tailored locations in Toronto based on your online traits, using Exa and ChatGPT.

MaRLo, Lockdown & .EXA bring their unique styles together for Bigroom/Mainstage record 'Don't Stop'. Loaded with everything the crowds ask for: rolling basslines, edgy rave sounds, and a selection of the finest hard-hitting kicks. .EXA's hypnotic vocals on top, turning into chops that play an unforgettable melody, made to ignite festival crowds worldwide. Listen / Download ▶︎ https://skink.ffm.to/sk364 Follow our 'Bass Music' playlist ▶︎ https://open.spotify.com/playlist/4ZMLnMoO4gdMOscI8OutYZ?si=751b3b6b34004773 Connect with us: Instagram → https://www.instagram.com/skinkrec/ TikTok → https://www.tiktok.com/@skinkrecords Facebook → https://www.facebook.com/skinkofficial Soundcloud → https://soundcloud.com/skinkofficial For demo's and more info → https://skinkrecords.com/ Connect with MaRLo: Spotify → https://open.spotify.com/artist/2kd1zg9ZyGG6WjZO2dAsFd Soundcloud → https://soundcloud.com/marlomusic Instagram → https://www.instagram.com/marlomusic/ Connect with Lockdown: Spotify → https://open.spotify.com/artist/11ESC6KI0jpdML0CijeROt Soundcloud → https://soundcloud.com/lockdown-aus Instagram → https://www.instagram.com/lockdownmusic_/ TikTok → https://www.tiktok.com/@lockdownmusic_?lang=en Connect with .EXA: Spotify → https://open.spotify.com/artist/4fCHA6Os4QKfn5UngdAf3i Soundcloud → https://soundcloud.com/exa_thedj Instagram → https://www.instagram.com/exa_thedj/

In today's episode, I sit down with Will Bryk, co-founder of Exa.ai and former robotics lead at Harvard, to talk about the future of search, the limits of human understanding, and how AI can help us push past them. Will shares how his background in physics led him to build search tools focused on meaning rather than keywords. We talk about what makes Exa.ai different, how it's helping people surface better information, and why designing for complexity creates more useful results. For anyone looking to make sharper decisions or grow with more clarity, this conversation offers a look at what's possible when AI actually understands what you're asking.

224 | Samuels Startup ist von Trumps Visa-Politik betroffen. Die beiden brainstormen Ideen aus der Misere. Alex hat ein neues Playbook für AI-Geschäftsmodelle gefunden, das Samuel aus der Krise führen kann und erklärt, worin Airbnb mittlerweile besser ist als Apple. Und natürlich gibt's frische Geschäftsideen, über die du abstimmen kannst.Mach das 1-minütige Quiz und finde die perfekte Geschäftsidee für dich: digitaleoptimisten.de/quiz.Kapitel:(00:00) Intro(05:04) Samuel geht mit einer kleinen Gründer-Krise um(16:10) Rezept für einen AI Gold Rush? (ca. 17:00)(25:44) Das macht Airbnb besser als Apple (ca. 26:00)(43:44) Post von Optimisten: Gen Z braucht Life Coaches (ca. 42:00)(49:29) Samuels Geschäftsidee: rentatool(56:10) Alex' Geschäftsidee: WhatsAssistantTools, die wir in diesem Podcast nennen:Exa.ai: "Most Powerful Search"Instantly.ai: Leads findenMehr Kontext:In dieser Episode diskutieren Samuel und Alex die aktuellen Trends in der Tech-Szene, die Herausforderungen, mit denen Unternehmen konfrontiert sind, und Strategien zur Krisenbewältigung. Sie beleuchten die Rolle von KI in Geschäftsmodellen und erörtern, wie Unternehmen sich anpassen können, um in einem sich schnell verändernden Markt erfolgreich zu sein. In dieser Episode diskutieren Alex Mrozek und Samuel über die Möglichkeiten der Automatisierung im Handwerk, die Herausforderungen bei der Implementierung von AI, die Bedeutung von Fokus in Geschäftsstrategien und ziehen Vergleiche zwischen Apples Entwicklerkonferenz und der Strategie von Airbnb. Sie reflektieren auch über die Zukunft der Kreativität und Ideenfindung durch den Einfluss von AI. In dieser Episode diskutieren Alex Mrozek und Samuel über die Rolle des menschlichen Faktors in der Technologie, die Zukunft des Smartphones, die Integration von Künstlicher Intelligenz in den Arbeitsalltag und die Bedeutung von Feedback von Hörern. Sie beleuchten auch, wie Jugendliche KI nutzen, um Alltagsprobleme zu lösen, und erörtern innovative Geschäftsideen wie Rent-a-Tool und WhatsApp Assistant, die darauf abzielen, alltägliche Herausforderungen zu bewältigen und die Effizienz zu steigern.Keywords: Tech-Szene, Geschäftsstrategien, Krisenbewältigung, KI, Innovation, Unternehmertum, Networking, Markttrends, Startups, Digitalisierung, Automatisierung, AI, Handwerk, Geschäftsexperimente, Apple, Airbnb, Entwicklerkonferenz, Kreativität, Ideen, Zukunft, Technologie, Künstliche Intelligenz, Smartphone, Geschäftsideen, Podcast, Feedback, Jugendliche, Lernen, Werkzeugverleih, WhatsApp

ANG, .EXA - Claim This [Mainstage] ANG & .EXA joined forces for Hard Techno anthem 'Claim This'. A striking Rave sound creates the energy before the drop, opened up by a slamming kick and pumping bassline. Electronic sounds giving the melody an extra twist. Followed up by .EXA's self-written and recorded vocals. Listen / Download ▶︎ https://skink.ffm.to/sk366 Follow our 'Bass Music' playlist ▶︎ https://open.spotify.com/playlist/4ZMLnMoO4gdMOscI8OutYZ?si=751b3b6b34004773 Connect with us: Instagram → https://www.instagram.com/skinkrec/ TikTok → https://www.tiktok.com/@skinkrecords Facebook → https://www.facebook.com/skinkofficial Soundcloud → https://soundcloud.com/skinkofficial For demo's and more info → https://skinkrecords.com/ Connect with ANG: Spotify → https://open.spotify.com/artist/3iGTIdf1fn9YmiiZiODGTl?si=dvBznqe1S4yOfLIeU3JuRg Apple Music → https://music.apple.com/us/artist/ang/1346073808 Soundcloud → https://soundcloud.com/weareang YouTube → https://www.youtube.com/@ANGdjs Instagram → https://www.instagram.com/angdjs/?hl=en Facebook → https://www.facebook.com/ANGofficial/ TikTok → https://www.tiktok.com/@angdjs Connect with .EXA: Spotify → https://open.spotify.com/artist/4fCHA6Os4QKfn5UngdAf3i?si=hFGqhO Apple Music → https://music.apple.com/fi/artist/exa/1739604727 Instagram → https://www.instagram.com/exa_thedj TikTok → https://www.tiktok.com/@.exa___ #skinkrecords #mainstage #newrelease #dancemusic

Hi beauties! This week, Naked Beauty is headed to Austin as a nominee for Best Beauty Podcast at the iHeartMedia Podcast awards. I can't wait to share more updates from Austin, but today we have an incredible conversation for you with Annie Jackson, co-founder of Credo Beauty. We discuss the importance of transparency in beauty products, the harmful impacts of certain ingredients, and how Credo Beauty's stringent standards ensure safer, environmentally-friendly products. Annie also shares insights into her career journey from Estee Lauder to Sephora and eventually Credo Beauty, along with tangible steps we can take as consumers to be more eco-conscious in our beauty choices.Tune in to hear…Key steps any beauty consumer can take to be more sustainable How Credo beauty has removed sheet masks from their store and how consumers reacted Annie's journey in the beauty industry from administrative assistant to founder and sustainability trailblazerLearn more about PACTCredo Beauty's Dirty List Shop the Naked Beauty Fragrance at Credo Other Black-Owned beauty products at Credo I love: klur serum, Ourside fragrance, moodeaux, Sienna Naturals Shop Annie's Favorites: Ilia Mascara, Josh Rosebrook Moisturizer, True Botanicals Cleanser, Exa foundation,Shop this episode on ShopMyShelfSend your burning beauty questions to nakedbeautypodcast@gmail.com subject line ‘ask Brooke' and I'll answer on the show! Rate, Subscribe & Review the Podcast on AppleThanks for all the love and support. Tag me while you're listening @nakedbeautyplanet & as always love to hear your thoughts :) Check out nakedbeautypodcast.com for all previous episodes & search episodes by topicShop My Favorite Products & Pod Discounts on my ShopMyShelfStay in touch with me: @brookedevard Hosted on Acast. See acast.com/privacy for more information.

Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits.  Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education.   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests 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  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat.    Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type.   Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge,   Caeli Ridge  9:06   Keith, thank you for having me.    Keith Weinhold  9:08   There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction.    Caeli Ridge  9:51   I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows?    Keith Weinhold  10:29   Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note.    Caeli Ridge  10:47   I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it.    Keith Weinhold  12:33   Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries?    Caeli Ridge  13:37   It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road.   Keith Weinhold  15:05   you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop?   Caeli Ridge  15:15   Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number.   Keith Weinhold  15:35   Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created?   Caeli Ridge  15:58   I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years.   Keith Weinhold  16:36   What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much.   Caeli Ridge  16:47   not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin.   Keith Weinhold  17:26   What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com   Rick Sharga  19:48   this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:06   Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture.   Caeli Ridge  21:05   Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment,   Keith Weinhold  22:34   it drops your loan balance, but your minimum payment amount is the exact same the next month,   Caeli Ridge  22:38   right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off   Keith Weinhold  22:45   you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow,   Caeli Ridge  22:52   very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens?   Keith Weinhold  25:19   You're defaulting, you're in trouble. You become delinquent,   Caeli Ridge  25:23   right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause   Keith Weinhold  29:30   so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this?   Caeli Ridge  29:43   Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one   Keith Weinhold  30:36   and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean?   Caeli Ridge  30:48   So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed   Keith Weinhold  31:40   and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan.    Caeli Ridge  31:53   Exa  ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first.   Keith Weinhold  32:18   That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you,   Caeli Ridge  32:30   exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest.   Keith Weinhold  33:39   So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account.   Caeli Ridge  34:20   And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose    Keith Weinhold  36:13   if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow.   Caeli Ridge  36:43   Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes.   Keith Weinhold  36:50   now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question.   Caeli Ridge  38:03   Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick.    Keith Weinhold  40:00    And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan?   Caeli Ridge  40:24    Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one.   Keith Weinhold  41:33   Who is this for? And who is it not for?   Caeli Ridge  41:36   It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage   Keith Weinhold  42:12   that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it.   Caeli Ridge  42:22   Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step   Keith Weinhold  42:36   and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start?   Caeli Ridge  42:44   Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge   Keith Weinhold  42:54   and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge.   Caeli Ridge  43:23    So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse.    Keith Weinhold  44:03   It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you.   Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  45:31   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  45:59   The preceding program was brought to you by your home for wealth, building, getricheducation.com.