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Taylor, dad of a newly diagnosed three-year-old, shares year-one lessons: Omnipod 5, Dexcom/daycare coordination, treating lows without overcorrection, mastering settings over gadgets, and facing GLP-1 stigma. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED or call 888-721-1514 Tandem Mobi twiist AID System Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Use code JUICEBOX to save 40% at Cozy Earth Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan. If the podcast has helped you to live better with type 1 please tell someone else how to find it!
In this episode of the HVAC School podcast, Bryan sits down with Ray Wohlfarth, a seasoned HVAC contractor and prolific author who has dedicated over 30 years to mastering the art and science of boiler systems. What began as a competitive disadvantage—competitors claiming he knew nothing about boilers—became Ray's driving passion. Through daily reading, countless mistakes, and an unwavering commitment to learning, Ray transformed himself into one of the industry's most respected voices on hydronics and steam systems. Ray shares the personal story of how legendary author Dan Holohan literally "saved his marriage" with his book on one-pipe steam systems. When Ray and his wife moved into their first house with steam heat, mysterious banging sounds threatened domestic harmony until Dan's book provided the answers Ray desperately needed. This experience inspired Ray to pay it forward, eventually authoring 14 technical books himself—all written with the vision of a technician stuck in a boiler room at 9 PM on a Friday night, frantically searching for solutions. The conversation dives deep into practical wisdom earned through experience. Ray emphasizes the critical importance of safety in boiler rooms, recounting a harrowing story of a hospital engineer who bypassed safety controls and manually lit a boiler with a flaming broom—resulting in dangerous explosions. He stresses that technicians should always identify escape routes before beginning work, as a lifting relief valve can quickly fill a room with steam, displacing oxygen and eliminating visibility. Beyond safety, Ray shares diagnostic techniques like listening for dripping, hissing, or the "Rice Krispies" sound that indicates scaling, and visually inspecting for soot streaks that reveal combustion problems and potential carbon monoxide issues. Throughout the episode, Ray's philosophy shines through: humility, continuous learning, and the joy of solving complex problems. Whether discussing the holistic nature of steam system troubleshooting, the importance of water quality treatment, or the surprising efficiency of properly designed steam systems (like the LEED Gold-certified Empire State Building), Ray's expertise and passion are evident. His advice for aspiring boiler techs is simple but profound: read 15 minutes daily about your industry, engage with online communities like HeatingHelp.com, and never stop learning from every service call. Topics Covered Ray's Journey: Transitioning from Carrier air conditioning to boiler expertise over 30+ years The Writing Process: Creating 14 technical books designed specifically for technicians in the field Dan Holohan's Influence: How Dan's books and mentorship shaped Ray's career and literally saved his marriage Boiler Room Safety: Critical importance of identifying escape routes and recognizing dangerous practices Diagnostic Techniques: Using your senses—listening for dripping, hissing, and scaling sounds; looking for soot, leaks, and discoloration Near-Boiler Piping: Why 90% of steam boiler installations have incorrect piping and the importance of proper insulation Steam vs. Hydronic Systems: Key differences in troubleshooting approaches and why steam operates more like air conditioning than hydronic One-Pipe vs. Two-Pipe Steam: Fundamentals of steam system design, traps, and venting behavior Condensing Boilers: The reality of "conditional condensing" and why 95% efficiency requires specific return water temperatures Radiant Heat Comfort: Why hydronic radiant heating provides superior comfort compared to forced air Water Quality Issues: The critical importance of water treatment, the mystery of deteriorating fittings, and potential chlorine impacts Learning Resources: The value of HeatingHelp.com, reading 15 minutes daily, and engaging with online communities Ray's Book Series: Overview of his "Lessons Learned" series and specialized books on brewery boilers and wiring diagrams Common Mistakes: Real-world troubleshooting stories including the mystery of the 2-degree delta T and lessons in humility Check out some of Ray's boiler books on Amazon HERE. His latest book, Lessons Learned: Understanding Boiler Wiring Diagrams, is available HERE. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.
Looking back at the Seahawks prime-time victory over the Washington Commanders, was there anything that could have made it better? During the game, Greg Olsen had some intriguing praise (or criticism) about the Seahawks offense. Was it a backhanded compliment or simply an analysis of how defenses are stacking the box based on our offensive personnel. Are the Seahawks rushing woes a result of effective defensive strategies, and could the addition of Rashid Shaheed actually open up the run game? Looking ahead to the game against the Arizona Cardinals, Kyler was benched and then put on injured reserve. Seattle was able to get after the mobile quarterback earlier in the season, so can it actually benefit the Cardinals to have someone more stationary taking over for Murray? Plus, we take some live questions and comments from those who joined us live on Youtube Wednesday evening. Join our Sea Hawkers Podcast Pickem League - free prizes for weekly winners. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation
Teaching from Jeremiah showing God's divine delight, His disgust and distress with His people, and the application to the modern church. Begin taking the steps back, acknowledge your guilt before God, turn back to Him. The message is the same: God's grace to an unfaithful people, His call of repentance and the promise, partake of the living waters and you'll never thirst again. Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D. All Rights Reserved
The BIG Squeezum is upon us as they rapidly cram us all into a digital prison of absolute compliance. What are their methods acting upon you in your own home, and personal devices? What can we do to sidestep these measures being taken against your right to privacy?Your LINKS:Get Dr Monzo's Whole Food Supplements for your 90 Essential Revitalizing Nutrients here: https://SemperFryLLC.comClick His Picture on the Right for the AZURE WELL products and use code BB5 for your discount.Join Dr. Glidden's Membership site:https://leavebigpharmabehind.com/?via=pgndhealthCode: baalbusters for 25% OffFind clickable portals to Dr Monzo and Dr Glidden on Dan's site, and it's the home of the best hot sauce, his book, and Clean Source Creatine-HCL.Subscribe to the NEW dedicated channel for Dr Glidden's Health Solutions Showhttps://rumble.com/c/DrGliddenHealthShowPods & Exclusives AD-FREE! Just $5/mohttps://patreon.com/c/DisguisetheLimitsDon't be a schmoe, Support the Show!Become a supporter of this podcast: https://www.spreaker.com/podcast/ba-al-busters-broadcast--5100262/support.
00:00: ☀️ Bom dia Tech!00:24:
Google opens up its version of Android worldwide, and AI beats the world at forecasting hurricanes this season.Starring Tom Merritt and Sarah Lane.Links to stories discussed in this episode can be found here. Hosted on Acast. See acast.com/privacy for more information.
Part two: Scott and Kirby dive into fat/protein bolusing, gaps in clinical guidance, parenting/language around food, online noise, and real-life T1D pragmatism—with laughs, candor, and Buffalo Bills jabs. Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** twiist AID System Drink AG1.com/Juicebox Use code JUICEBOX to save 40% at Cozy Earth CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof. ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan. If the podcast has helped you to live better with type 1 please tell someone else how to find it!
Operation “Chargeback” takes down global fraud networks. An investigation reveals the dangers of ADINT. M&S profits plunge after a cyberattack. Google patches a critical Android flaw. Asian prosecutors seize millions from an accused Cambodian scam kingpin. Ohio residents are still guessing water bills months after a cyberattack. Houston firefighters deny blame in city data breach. Nikkei reports a slack breach exposing 17,000 records.The Google–Wiz deal clears DOJ review. Ann Johnson welcomes her Microsoft colleague Frank X. Shaw to Afternoon Cyber Tea. Norway parks its Chinese Bus in a cave, just in case. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. Afternoon Cyber Tea On this month's segment from Afternoon Cyber Tea, host Ann Johnson welcomes Frank X. Shaw, Chief Communications Officer at Microsoft, to explore the critical role of communication in cybersecurity. They discuss how transparency and trust shape effective response to cyber incidents, the importance of breaking down silos across teams, and how AI is transforming communication strategies. You can listen to Ann and Frank's full conversation here, and catch new episodes of Afternoon Cyber Tea every other Tuesday on your favorite podcast app. Selected Reading Operation Chargeback: 4.3 million cardholders affected, EUR 300 million in damages - Three criminal networks suspected of misusing credit card data from cardholders across 193 countries; 18 suspects arrested (Europol) Databroker Files: Targeting the EU (Netzpolitik) M&S profits almost wiped out after cyber hack left shelves empty (BBC News) Google releases November 2025 Android patch, fixes critical zero-click flaw (Beyond Machines) Prosecutors seize yachts, luxury cars from man accused of running Cambodia cyberscams (NPR) Cyberattack that crippled Middletown's systems shows how hackers target smaller cities (Cincinnati.com) Houston data breach exposes firefighters' personal info, union says they're being blamed (Click2Houston) Japanese publishing company Nikkei suffers Slack compromise exposing data of over 17,000 people (Beyond Machines) Google Clears DOJ Antitrust Hurdle for $32 Billion Wiz Deal (Bloomberg) Dybt i et norsk fjeld blev en kinesisk bybus splittet ad. En status på vores frygt (Zetland) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices
This is a quantum and magical exploration of ancient Avalon, the power of the apple, and the Garden of Eden as a representation Home within. Across ancient texts and mystical traditions, we find the same message — everything points back to the heart, to love, to the true purpose of our incarnation. I share a dream I had of Avalon on July 14, 2020, and how it awakened again through a powerful experience on October 21. Even the numbers hold a code : 7 + 14 = 21, a reflection of divine order. This episode is about remembering wholeness, healing the feminine, balancing the left side of the heart, and learning to see beyond — to return to the Garden within. * * * * * * * * * * * * APPLY for the Soul Awakening Mentorship Follow Light of the Way on Substack BOOK Journey Home Akashic Records Reading with Faith O'Higgins Dancing with the Fire: A Kundalini Workshop Path to Home on iOS Path to Home on Android How to do the Line Activation Receive a FREE Line Activation Join us in GUIDED — our living sanctuary of support, weekly Satsangs, monthly Line Activations, workshops, community and more. A Line Within Mission + Vision Donate to A Line Within SHOP Juuso's Paintings DOWNLOAD OUR APP on iOS DOWNLOAD OUR APP on Android Learn more about our work, offerings, and upcoming events at alnwithin.com Follow on Instagram @alnwithin and TikTok @alnwithin
In 3 IN, 3 OUT this week, we're breaking down the Seahawks' dominant victory over the Commanders. We start by celebrating standout performances, including Tory Horton's breakout game with two touchdowns and Nick Emmanwori's incredible playmaking. The recap also covers significant contributions from other young talents like Drake Thomas and Tyrice Knight who stepped up following the injury to Ernest Jones. We also get into your insights and reactions from the Flock that highlight all of the biggest moments from the game. Join our Sea Hawkers Podcast Pickem League - free prizes for weekly winners. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation
Having It ALL: Conversations about living an Abundant Loving Life
How healthy would you say your attachment is with your partner? In today's episode I share an email from a listener who opens up on her relationship attachment. I appreciate her vulnerability and courage in this one because it gives us all a chance to heal and grow. STRUGGLING WITH CONSISTENCY? Download the free "trust account" app from the YourDay Balance Game, and start building trust with YOURSELF today! Android: https://play.google.com/store/apps/details?id=com.balancegame.ydbg iPhone: https://apps.apple.com/us/app/ydbg-watch-play-discover/id1489276659 WANT TO FEEL MORE CLARITY, CONFIDENCE AND PURPOSE? Get the "Having It A.L.L. Blueprint", my self-paced online program for designing and living your greatest life! https://hia.ck.page/products/blueprint GET IN TOUCH WITH MATTHEW matthew@matthewbivens.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Dynasty Fantasy Football | Married to The Game | The FF Dynasty
The FF Dynasty, Season 9, Episode 102: Week 10 RB rankings, tiers, and projections—start/sit for every matchup plus my must-start locks, high-upside sleepers, and trap plays. (Rico Dowdle/Breece Hall/Travis Etienne/Kyle Monangai/Jaylen Warren/D'Andre Swift/David Montgomery/Quinshon Judkins/Chuba Hubbard/RJ Harvey/Kimani Vidal/Jacory Croskey-Merritt/Woody Marks) -- Analytical Models + Predictions powered by @KoalityStats https://koalatystats.substack.com -- • SIGN UP TODAY FOR up to $200 in Prophet Cash BACK -USE CODE: FFD WHEN SIGNING UP AT https://prophetx.onelink.me/E5Yi/FFD or DOWNLOAD THE PROPHETX APP #ProphetX -- Fantasy Football Survivor (NEW GAME!) Free Patreon + Discord 5 Star Contest here! YouTube - Twitter - Insta - TikTok --
Trigger Panic, Blown Hunts, and the Truth About Deer Scoring | 100% Wild Podcast Ep.449 Matt and Tim catch up during the heart of the rut to talk blown hunts, swirling thermals, and the kind of mistakes that keep every bowhunter humble. Matt owns up to battling trigger panic, why upping poundage backfired, and how even a perfect setup can go sideways when the wind flips. The guys trade "Would You Rather" scenarios every hunter can relate to, unpack why score doesn't always tell the story, and share laughs over raccoons, box blinds, and internet critics. It's a loose, honest look at real-world hunting frustrations and the moments that make it all worth it. 00:00 – Pulling up in the Tacoma at fancy neighborhood 00:15 – Podcast intro / Powered by DeerCast & Mtn Ops warm energy 00:29 – Early mornings + time change grind 00:47 – Tagged out vs still grinding 01:36 – Small property hunting challenges 02:01 – "There is no pattern right now" (Rut chaos) 02:20 – Big buck encounter begins 02:52 – Watching rut behavior & scrape activity 03:30 – Buck at 18 yards but won't clear for a shot 03:53 – Trying calls (grunt vs snort-wheeze) 04:52 – Appreciating close encounters during rut 05:11 – Why "you just go anyway" even when exhausted 05:32 – "Trophy Dad" jokes 05:55 – Illinois hunt: warm weather vs beans vs food plot strategy 07:25 – Taking Lola on her first youth hunt 08:13 – Trail cameras showing shooters early 08:55 – Blind & food plot setup decisions 09:29 – Deer movement picking up early 11:18 – Doe parade starts 12:31 – Spikes blow up the field 13:10 – Switching to live cam mode to watch shooters 13:51 – Decision moment: any deer is now on the menu 14:18 – Missed opportunity on a buck 14:45 – Reflecting: Should have let her shoot a doe 15:28 – Family / birthday schedule blocking next sit 15:33 – Segment sponsor shoutout – Leupold 15:41 – Tim takes Sophie out w/ crossbow 16:15 – Hunting from the saddle + setup advantages 17:05 – Rattling brings a buck right in 19:11 – Sophie shoots; blood trail looks good 21:20 – Deer crosses onto neighbor property 22:04 – Trying to get recovery permission 23:00 – Accepting likely coyote outcome 23:45 – "Big Chungus" shows up afterward 24:48 – Why Tim won't shoot a big deer with a crossbow 25:47 – How much harder vertical bow shots really are 26:03 – Sophie already hooked on hunting 28:07 – Shooting platforms, sticks, & crossbow handling 29:13 – Shoutouts to Mark & Terry's giants 30:08 – YouTube comment review (shenanigan rating) 31:00 – Sponsor: Tracker Off Road 31:35 – "Would You Rather" hunting edition begins 33:20 – Thermals busting hunts 34:57 – Punching the trigger / release habits 36:21 – Blind hunting vs tree stand judgment 38:44 – Small buck vs forgetting to record debate 39:56 – Passing 160s vs defending 120s online Join the Rack Pack Facebook Group : https://www.facebook.com/share/g/n73gskJT7BfB2Ngc/ Get ahead of your Game with DeerCast available on iOS and Android devices App Store: https://itunes.apple.com/us/app/deercast/id1425879996 Play Store: https://play.google.com/store/apps/details?id=com.druryoutdoors.deercast.app Don't forget to stock up for your next hunt! 1st Phorm has you covered! Protein Sticks: https://1stphorm.com/products/protein-sticks-15ct?a_aid=DruryOutdoors Level-1 Bars: https://1stphorm.com/products/level-1-bar-15ct?a_aid=DruryOutdoors Energy Drinks: https://1stphorm.com/products/1st-phorm-energy?a_aid=DruryOutdoors Hydration Sticks: https://1stphorm.com/products/hydration-sticks?a_aid=DruryOutdoors Send us a voice message on Speakpipe! https://www.speakpipe.com/100PercentWild?fbclid=IwY2xjawHG5cpleHRuA2FlbQIxMAABHS-OqetdhlMV6LGrV5KfUBO7fjYcduyut_LzgxrQnEgBbe_vPXGCMgF1Sw_aem_ZmFrZWR1bW15MTZieXRlcw For exciting updates on what's happening on the field and off, follow us on social Facebook: http://www.facebook.com/OfficialDruryOutdoors Instagram: @DruryOutdoors Twitter: @DruryOutdoors Be sure to check out http://www.druryoutdoors.com for more information, hunts, and more! Music provided by Epidemic Sound http://player.epidemicsound.com/
Today's show features: Kable Derrow, Owner of Findlay Chrysler Dodge Jeep Ram Will Holleman, Automotive Sales at Equifax Devin Kaulback, GM of Subaru of Niagara This episode is brought to you by: CR Stream – Put the power of multiple auctions in your hand! CR Stream multi-lists your inventory to OVE, SmartAuction, and Copart simultaneously. Capture vehicle photos, damage, details and pricing start to finish in under 10 minutes with the CR Stream iPhone and Android mobile apps. Pay only $150 sell fee when you vehicles sells at auction! visit https://crstream.com/ to learn more. Equifax – Fund More Auto Loans, Faster. Auto loan applicants are 40% more likely to be funded when instantly verified by The Work Number. You can get the data you need to know your borrower better and make fast, smart decisions. Equifax provides instant, secure access to verified borrower identity, address, income, and employment information, helping you move deals forward quickly. Visit https://carguymedia.com/3Lplzue to learn more. CDG Circles – A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit https://cdgcircles.com/ to learn more. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! — Check out Car Dealership Guy's stuff: CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com
A study of three biblical prophets: Abraham, Moses and Jeremiah. The difference between a true and a false prophet is illustrated by contrasting Jeremiah's prophecy with Hananiah's false prophecy. Know God's word and you'll be able to discern the difference between the true and false prophecy. Jeremiah 27-28 VF-1827 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved
Alice Irizarry and Patrick Woodward share about the works of Argentinian writer, Jorge Luis Borges and how blindness influences his writing.https://spotlightenglish.com/biography/the-limitless-stories-of-jorge-luis-borges/Download our app for Android at http://bit.ly/spotlight-androidDownload our app for iOS at http://bit.ly/spotlight-appleFacebook: https://www.facebook.com/spotlightradioAre you learning English? Are you looking for a way to practice your English? Listen to Spotlight to learn about people and places all around the world. You can learn English words, and even practice English by writing a comment.Visit our website to follow along with the script: http://spotlightenglish.com
The Bills took down the Chiefs to secure their 6th win of the season. Erik and Anthony dive into the tape to see how the Bills out-schemed a talented Chiefs team.▶️ Hit subscribe for weekly X's & O's film sessions!
In this episode of Disguised Coverage, Anthony is joined by Kendall Mirsky to dive into the lack of activity for the Buffalo Bills at the 2025 Trade Deadline, and what it means for the season going forward. What deals needed to be made? What position groups needed reinforcements the most? And more in this episode0:00 | Opening thoughts4:54 | Would you consider this trade deadline a failure for the Buffalo Bills?18:54 | What moves did you want to see?56:01 | Concern level for the roster going forward and player returning1:12:16 | One Pie Pizza1:14:16 | Closing thoughtsPresenting Sponsor - One Pie Pizza https://www.onepiepizza.com/ Elevated Catering of Buffalo https://elevatedcateringbuffalo.com/Tell them Cover 1 and Disguised Coverage sent you!!Follow on Twitter: https://twitter.com/Pro__AntFollow on Bluesky: https://bsky.app/profile/proant.bsky.socialCover 1 would love to hear your thoughts on this topic and the show in general. Comment below and let us what you think!One Pass Premium Membership - https://www.cover1.net/onepass/Don't miss out on our PREMIUM CONTENT-Access to detailed Premium Content.-Access to our video library.-Access to our private Slack channel.-Sneak peek at upcoming content.-Exclusive group film room sessions & much more.Thank you for watching this video, we can't do it without the support of our fans. If you have any ideas for content you'd like to see from us, comment below. -DOWNLOAD THE COVER 1 MOBILE APP!► Android: https://play.google.com/store/apps/details?id=com.coverapp► iOS: https://apps.apple.com/us/app/id1532587486► Subscribe to our YouTube channel - https://www.youtube.com/channel/UClL6eJS1s8xmRoYRQbYgxQQ?sub_confirmation=1► Subscribe to our Cover 1 Network channel - https://podcasts.apple.com/us/podcast/cover-1-sports/id1370162953 -Cover 1 provides a multi-faceted analysis of the NFL and NFL Draft including Podcasts, Video blogs, Commentary, Scouting Reports, Highlights, and Video Breakdowns. NFL footage displayed is not owned by Cover 1. -Follow Us HereTwitter: https://twitter.com/Cover1Instagram: https://www.instagram.com/@Cover_1_Facebook: https://www.facebook.com/Cover1NFL/Official Merchandise:https://teespring.com/en-GB/stores/cover-1The Cover1.net website and associated Social Media platforms are not endorsed by, directly affiliated with, maintained, authorized, or sponsored by the NFL or any of its clubs, specifically the Buffalo Bills. All products, marks, and company names are the registered trademarks of their original owners. The use of any trade name or trademark is for identification and reference purposes only and does not imply any association with the trademark holder of their product brand.
00:00: ☀️ Bom dia Tech!00:25:
Anthony and John Pompliano break down today's markets — from Scott Bessent's U.S. outlook and Tom Lee's bullish call to Jordi Visser's take on Bitcoin's “IPO moment.” They also cover job growth, mega themes, the New York City mayoral race, and Anthony's latest thoughts on bitcoin and stocks.======================Check out my NEW show for daily bite-sized breakdowns of the biggest stories in finance, technology, and politics: http://pompdesk.com/======================Bitwise is one of the largest and fastest-growing crypto asset managers, with more than $15 billion in client assets across an expanding suite of investment solutions—including the world's largest crypto index fund—plus products spanning Bitcoin, Ethereum, DeFi, and crypto equities. In addition to managing assets, Bitwise helps investors stay informed about the fast-moving crypto market. Every week, CIO Matt Hougan breaks down what's happening in crypto in five minutes or less. Read the latest at https://experts.bitwiseinvestments.com/cio-memos. Certain Bitwise investment products may be subject to the extreme risks associated with investing in crypto assets. Visit https://bitwiseinvestments.com/disclosures to learn more.======================In this episode, Pomp spotlights easyBitcoin.app—the app that pays you 1% extra on recurring buys, 2% annual bitcoin rewards, and 4.5% APY on USD. Download it now for iOS or Android at https://easybitcoin.onelink.me/F1zP/klc4v1p8 and start earning today. Your capital is at risk. Crypto markets are highly volatile. This content is informational and not financial advice.======================Timestamps: 0:00 – Intro1:17 – Are we in a recession?5:16 – Powell vs Bessent: interest rate politics8:29 – The case for an economic boom12:45 – Tom Lee's $200K Bitcoin prediction15:20 – Jordi Visser and Bitcoin's “IPO moment”19:01 – AI, data centers, and compute as the new commodity24:40 – New York City mayoral election discussion
Scott and Kirby trade stories about kids, chaos, and humor before diving into Kirby's son's type 1 diagnosis and the need for better education and support after the "don't-die" stage. Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** twiist AID System Drink AG1.com/Juicebox Use code JUICEBOX to save 40% at Cozy Earth CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof. ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan. If the podcast has helped you to live better with type 1 please tell someone else how to find it!
In this short podcast episode, Bryan explains how duct tape got its name and why it shouldn't actually be used on ducts. Duct tape is a versatile home DIY-fix tool, but despite its name, it wasn't initially made to seal ducts at all. In 1943, we were in the thick of World War II, and ammo shipments were sealed with wax and paper tape. These were often not durable or difficult to open. Johnson & Johnson developed a tape with rubber adhesive on a cotton duck cloth backing (which was already widely used for military uniforms and tent fabrics). This new tape was nicknamed "duck" tape due to the material and its waterproof abilities (like the waterfowl). A woman named Vesta Stoudt informed President FDR about duct tape, and the War Production Board began using it in wartime supply packaging. After the war, America had a housing boom in the 1950s, which included the demand for forced-air heating and cooling systems. Marketers thought the tape could seal the ducts in those homes, so they changed the color to match sheet metal and rebranded it as "duct tape." In the 1960s, this tape was available in retail outlets with the "duct tape" branding. Unfortunately, in tests by the Lawrence Berkeley National Lab, duct tape failed miserably at sealing the ducts because the rubber adhesive dries out under heat, and dust weakens the adhesive. As a result, many building codes ban duct tape on ducts (spearheaded by California). Instead, UL-listed foil tape and mastic are approved for sealing ducts. However, duct tape still became famous for its versatility as a patching material. It's prevalent in pop culture and has been used in television shows and even in space. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.
In this trade deadline edition of the show, we break down the Seahawks' acquisition of wide receiver Rashid Shaheed from the New Orleans Saints. The Seahawks give up a 2026 fourth and fifth-round pick to make the deal. Is the compensation is worth the immediate impact Shaheed will have on the team and the potential benefits for the Seahawks' offense? We talk about how this move helps address the lack of a dynamic WR2 while also providing insurance for the team's injuries. Beyond the trade, we look at how the Seahawks stand out among the NFC's top teams and their chances of going deep into the postseason. But could they have done more? We get into all of it and more! Join our Sea Hawkers Podcast Pickem League - free prizes for weekly winners. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation
This week we salute Movistar, relive the highlights of Rui Costas career and look at some old Fignon photos. Pretty standard stuff. This podcast is also supported by the generous and amazing donors to the Wide Angle Podium Network, and buy Hammerhead cycling! Visit hammerhead.io to check out the Karoo cycling computer, and use code SLOWRIDE at checkout to get a Heart Rate strap for free! Find us, and other fantastic cycling podcasts on the Wide Angle Podium Network, at wideanglepodium.com! Check out the brand new WAP app available in the Apple and Android app stores! You can email us at theslowridepodcast@gmail.com
Dynasty Fantasy Football | Married to The Game | The FF Dynasty
The FF Dynasty, Season 9, Episode 101: We're back breaking down the Dynasty Fantasy Football Buy/Sell/Hold decisions for Week 10. -- Analytical Models + Predictions powered by @KoalityStats https://koalatystats.substack.com -- • SIGN UP TODAY FOR up to $200 in Prophet Cash BACK -USE CODE: FFD WHEN SIGNING UP AT https://prophetx.onelink.me/E5Yi/FFD or DOWNLOAD THE PROPHETX APP #ProphetX -- Fantasy Football Survivor (NEW GAME!) Free Patreon + Discord 5 Star Contest here! YouTube - Twitter - Insta - TikTok --
After 900 days in solitary confinement, J6 political prisoner Jake Lang reveals how faith carried him through what he calls “psychological torture.” Lang discusses his Trump pardon, lawsuit against the FBI, and Senate run. He calls for a Christian revival in America rooted in courage, truth, and unshakable belief.U.S. residents! Create a will with LifeSiteNews: https://www.mylegacywill.com/lifesitenews ****PROTECT Your Wealth with gold, silver, and precious metals: https://sjp.stjosephpartners.com/lifesitenews +++SHOP ALL YOUR FUN AND FAVORITE LIFESITE MERCH! https://shop.lifesitenews.com/ ****Download the all-new LSNTV App now, available on iPhone and Android!LSNTV Apple Store: https://apps.apple.com/us/app/lsntv/id6469105564 LSNTV Google Play: https://play.google.com/store/apps/details?id=com.lifesitenews.app +++Connect with John-Henry Westen and all of LifeSiteNews on social media:LifeSite: https://linktr.ee/lifesitenewsJohn-Henry Westen: https://linktr.ee/jhwesten Hosted on Acast. See acast.com/privacy for more information.
Kris and David are back this week as we discuss the week that was October 28-November 3, 2002. Topics of discussion include:Hulk Hogan leaving WWE again due to "creative issues" with Vince McMahon over the plans for him to job to Brock Lesnar a second time.The aftermath of the Katie Vick angle and the total disaster of an opening segment on Raw the next week where HHH did terrible “comedy” with an alleged mannequin in a cheerleader uniform.Randy Orton debuts "RNN” on Raw.SmackDown has its famous Halloween party episode where John Cena basically has a career saving performance dressed as Vanilla Ice and Eric Bischoff kisses Stephanie McMahon.Keiji Muto shakes up the foreign crew in AJPW.NOAH holds their first annual Halloween show at Differ Ariake.Dustin "Screech" Diamond showing up at an ECWA show.IWA Mid-South holds the first "Ted Petty Invitational,” taking the place of the existing Sweet Science 16 tournament.The Ultimate Warrior goes off on Bill Goldberg in a wacky blog.Panda Energy officially taking over NWA-TNA, including what that means for Jerry Jarrett and Vince Russo as far as their futures in the company.Some wacky clips from the week's TNA PPV, including Brian Lawler "assaulting a fan" and Don West losing his mind shilling the next show.Really fun show and we hope you enjoy!!!!Timestamps:0:00:00 WWE1:50:06 Eastern Hemisphere: AJPW, NJPW, NOAH, Zero-One, BJPW, DDT, Goto-Ippa, Osaka Pro, Toryumon, WEW, AJW, JWP, NEO Ladies, AustralianWF, All-Star, & RSW2:16:49 Classic Commercial Break2:21:02 Halftime3:06:06 Other North America: Stampede, AAA, CMLL, IWRG, Monterrey, & IWAPR3:21:18 Other USA: Nicole Bass, SSCW, DDP, ECWA, PWF (PA), NWA Wildside, IPW (FL), IWAMS, Jimmy Hart, & Ultimate Warrior3:48:46 NWA-TNATo support the show and get access to exclusive rewards like special members-only monthly themed shows, go to our Patreon page at Patreon.com/BetweenTheSheets and become an ongoing Patron. Becoming a Between the Sheets Patron will also get you exclusive access to not only the monthly themed episode of Between the Sheets, but also access to our new mailbag segment, a Patron-only chat room on Slack, and anything else we do outside of the main shows!If you're looking for the best deal on a VPN service—short for Virtual Private Network, it helps you get around regional restrictions as well as browse the internet more securely—then Private Internet Access is what you've been looking for. Not only will using our link help support Between The Sheets, but you'll get a special discount, with prices as low as $1.98/month if you go with a 40 month subscription. With numerous great features and even a TV-specific Android app to make streaming easier, there is no better choice if you're looking to subscribe to WWE Network, AEW Plus, and other region-locked services.For the best in both current and classic indie wrestling streaming, make sure to check out IndependentWrestling.tv and use coupon code BTSPOD for a free 5 day trial! (You can also go directly to TinyURL.com/IWTVsheets to sign up that way.) If you convert to a paid subscriber, we get a kickback for referring you, allowing you to support both the show and the indie scene.You can also use code BTSPOD to save 25% on your first payment — whether paying month to month or annually — when you subscribe to Ultimate Classic Wrestling Network at ClassicWrestling.net!To subscribe, you can find us on iTunes, Google Play, and just about every other podcast app's directory, or you can also paste Feeds.FeedBurner.com/BTSheets into your favorite podcast app using whatever “add feed manually” option it has.Support this podcast at — https://redcircle.com/between-the-sheets/donationsAdvertising Inquiries: https://redcircle.com/brands
On this episode of Daily Detroit, host Jer talks with Mike Burton, co-founder and CEO of Lockstop, to discuss an innovative solution for bike security now available in Detroit. Learn how this technology is making cycling more accessible and secure in Corktown's Transportation Innovation Zone, and how data from bike locks could help shape the future of urban mobility. Episode highlights Lockstop's Innovation: A retrofit bike locking system that provides both security and valuable mobility data Detroit Deployment: 25 Lockstop devices installed throughout Corktown, focusing on Michigan Central and key amenities Transportation Innovation Zone: How Corktown serves as a testing ground for mobility startups Data-Driven Insights: Understanding cyclist demographics and patterns to improve urban planning The Goal: Getting more "booties on bikes" by making cycling a viable transportation option What to know Half of daily car trips in the US are within three miles — the perfect cycling distance Detroit has grown 25% on the "People for Bikes" score and has more than 400 miles of trails Lockstop devices are strategically placed near coffee shops, restaurants, and workplaces along Michigan Avenue The Lockstop app (available on iOS and Android) helps cyclists locate devices and secure their bikes Guest Mike Burton - Co-founder and CEO of Lockstop Links & Resources Download the Lockstop app: https://www.lockstop.co/ Visit Corktown and Michigan Central to try Lockstop devices Contact Daily Detroit: DailyDetroit@gmail.com Support Daily Detroit Daily Detroit is made possible by our members on Patreon. Join us to get exclusive swag, including our brand new sticker pack, at patreon.com/DailyDetroit Feedback as always - dailydetroit -at- gmail -dot- com or leave a voicemail 313-789-3211. Follow Daily Detroit on Apple Podcasts: https://podcasts.apple.com/us/podcast/daily-detroit/id1220563942
The Church of England has been in the news for labeling God "gender neutral." What a tragedy considering this church's rich history, and how completely blasphemous! We don't need to change scripture. The doctrine of the Holy Spirit teaches us that God made provision for all His children when He gave the third person of the Godhead which is neutral, meaning He can inhabit both men and women. VF-2380 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved
We are back with a new episode, and we cover a lot of ground. We start with talking about Georgia Tech football but quickly move to the start of the NCAA basketball season. We throw in a little MLB World Series conversation and close out segment two, talking about the Cavs as always. We wrap up the episode discussing "becoming" both as an athlete and in our faith. Good one today. Check out The Rivalry Podcast on Spotify, Apple Podcasts, or anywhere you listen to Podcasts! Visit Rivalpod.com for more behind the scene access! Download for iPhone and Android or stream at riverradio.com
Spencer Raxter and EZ are LIVE reacting to the Lions divisional loss against the Vikings, debate who's to blame, if the Lions need to make a move and more! #DetroitLions #NFL #WoodwardSports #NFLDraft #NFLPlayoffs #Playoffs #OnePride #SuperBowl #mlbb #mlb #mlbplayoffs #mlbbaseball #detroittigers #tigers Become a #WoodwardSports Member! https://www.youtube.com/channel/UC8sY... Watch Our Shows Live on YouTube 7 Days a Week! Sean Baligan In The Morning with Maz | Monday-Friday 8am-10am Big D Energy | Monday-Friday 11am-1pm Braylon Edwards Show with Shep | Monday-Friday 2pm-4pm Woodward Heavyweights | Monday-Friday 5pm-7pm + Additional LIVE Content The College Football Show | Tuesday 7:15pm-9:00pm Fantasy Jerks | Wednesday 7:15pm-9:00pm Woodward Wings | Saturday 10am-11am Woodward Ringside Follow The Woodward Sports Network! Twitter: https://twitter.com/woodwardsports TikTok: https://www.tiktok.com/@woodwardsport... Instagram: https://www.instagram.com/woodwardspo... Facebook: https://www.facebook.com/WoodwardSports/ Download Our App for Apple: https://apps.apple.com/us/app/wsn-liv... Download Our App for Android: https://play.google.com/store/apps/de...
Deacon Steve Greco is a permanent deacon of the Diocese of Orange. He is founder of Spirit Filled Hearts Ministry, and host of Empowered by the Spirit. In this episode from 2016, Deacon Steve talks with evangelist and singer Renee Bondi.Empowered by the Spirit airs live weekdays at 10:00am and Fridays at 5pmPacific Time go to https://www.spiritfilledevents.com/empowered-by-the-spirit website or download our Spirit Filled Radio App for Android or Apple Devices.APPLE LINK FOR APPGOOGLE PLAY LINK FOR APPArchives of shows from Spirit Filled Radio are available on podcast at https://www.spiritfilledevents.com/empowered-by-the-spirit Support the show
Peter Herbeck is the Vice President and Director of Missions for Renewal Ministries. Peter oversees the work of lay mission teams throughout the world who work to equip Catholic lay people, bishops, priests, and religious to respond to Blessed Pope John Paul II's call for a new evangelization. He has traveled extensively in the U.S., Canada, Africa, and Eastern Europe for the past thirty years, assisting and training local churches in proclaiming the gospel of Jesus Christ and ministering through the exercise of spiritual gifts. In this episode, Peter shares some reflections on the Book of Romans.Fire On the Earth Airs weekdays at 5am and 2pm Pacific Time go to Spiritfilledevents.com you can also get our free app for your Android and Apple devices. Search Spirit Filled Radio to access our radio app. Support the show
Release physical tension and restore your body's natural state of calm with this 20-minute guided meditation for deep relaxation. Using progressive muscle relaxation and mindful body scanning techniques, this practice helps you identify areas of tension and consciously let them go. Perfect for unwinding after a stressful day, improving sleep quality, or simply giving your body the rest it deserves. Learn to activate your parasympathetic nervous system and develop a healthier relationship with physical sensations through gentle awareness and breath work. This guided meditation practice is from our app, Declutter The Mind. You can see our full library on our web app or download it for iOS and Android for free. Web app available at declutterthemind.com. Consider joining Declutter The Mind Plus on YouTube for $5/mo and support the channel, get access to guided meditation courses, and more.
The Wilderness E10 — Throughout ancient Israel's long history of wandering in the wilderness, failing in the garden land, being exiled to the nations, and then continuing to struggle after their return to the land, one thing has been clear. The people need a faithful shepherd like Moses who can guide them into God's provision and wisdom. So after Jesus is baptized in the wilderness and succeeds in his own wilderness tests, you can probably guess where Jesus goes to feed, heal, and teach people! In this episode, Jon and Tim explore stories in the gospels where Jesus provides for Israelites and non-Israelites in the wilderness, acting as a new Moses-like shepherd.CHAPTERSRecap of Theme and Setup for Jesus as a New Moses Figure (0:00-14:03)The People's Need for a Shepherd (14:03-24:04)Bread in the Wilderness for Israel (24:04-38:12)Discussing Bread With Pharisees and a Canaanite Woman (38:12-47:35)Bread in the Wilderness for the Nations (47:35-1:02:37)OFFICIAL EPISODE TRANSCRIPTView this episode's official transcript.REFERENCED RESOURCESYou can view annotations for this episode—plus our entire library of videos, podcasts, articles, and classes—in the BibleProject app, available for Android and iOS.Check out Tim's extensive collection of recommended books here.SHOW MUSIC“Be Like Water” by Lofi Sunday, Zairis TéJion “Holy” by Lofi Sunday, Just Derrick “It's Gonna Be Alright-22” by Lofi Sunday, Marc Vanparla “jazz club” by Lofi Sunday, PAINT WITH SOUNDBibleProject theme song by TENTSSHOW CREDITSProduction of today's episode is by Lindsey Ponder, producer, and Cooper Peltz, managing producer. Tyler Bailey is our supervising engineer, who also edited today's episode and provided the sound design and mix. JB Witty does our show notes, and Hannah Woo provides the annotations for our app. Our host and creative director is Jon Collins, and our lead scholar is Tim Mackie. Powered and distributed by Simplecast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
How do we interpret the crisis, resistance, and chaos in our lives? Find out as Blaine joins John and Allen for Part 4 of this series on “I just don't understand how people can survive without...” In this conversation, Blaine provides a helpful tool kit for processing the questions, pushback, and struggles that keep us stuck.Show Notes: Access Blaine's hand-written diagram with the four categories here._______________________________________________There is more.Got a question you want answered on the podcast? Ask us at Questions@WildatHeart.orgSupport the mission or find more on our website: WildAtHeart.org or on our app.Apple: Wild At Heart AppAndroid: Wild At Heart AppWatch on YouTubeThe stock music used in the Wild at Heart podcast is titled “When Laid to Rest” by Patrick Rundblad and available here.More pauses available in the One Minute Pause app for Apple iOS and Android.Apple: One Minute Pause AppAndroid: One Minute Pause App
Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** twiist AID System Drink AG1.com/Juicebox Use code JUICEBOX to save 40% at Cozy Earth CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof. ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan. If the podcast has helped you to live better with type 1 please tell someone else how to find it!
Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education, Keith Weinhold 0:28 since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:13 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 I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018 Keith Weinhold 1:51 Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to Keith Weinhold 2:01 Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around. Keith Weinhold 4:45 And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom. Keith Weinhold 6:22 Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner. Keith Weinhold 6:49 5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015 Keith Weinhold 8:09 But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue Keith Weinhold 10:41 the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14% Keith Weinhold 11:17 next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting. Keith Weinhold 12:13 Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29% Keith Weinhold 12:43 and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29% Keith Weinhold 13:09 the numbers don't lie. They just don't get enough attention on CNBC. Keith Weinhold 13:16 Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here. Keith Weinhold 14:16 Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something. Keith Weinhold 15:33 All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic. Keith Weinhold 16:06 A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon. Keith Weinhold 17:44 Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in. Keith Weinhold 18:21 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989, Keith Weinhold 19:32 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com Kathy Fettke 20:05 this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. Keith Weinhold 20:14 I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show. Adam Schroeder 20:48 Thanks for having me on. I really appreciate it. Keith Weinhold 20:50 Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape? Adam Schroeder 21:30 Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market. Keith Weinhold 23:55 It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs? Adam Schroeder 24:55 We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC. Keith Weinhold 26:17 Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type. Adam Schroeder 26:30 A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can. Keith Weinhold 28:53 There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties. Adam Schroeder 29:20 Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there. Keith Weinhold 30:20 Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of. Adam Schroeder 31:09 Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life. Keith Weinhold 32:16 Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam. Adam Schroeder 33:29 one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050 Keith Weinhold 34:55 everyone's asking, when is it going to pass? California is the most populous state in the nation. Adam Schroeder 35:01 Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are. Keith Weinhold 36:46 100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive. Adam Schroeder 37:18 Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again Keith Weinhold 37:42 right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam Adam Schroeder 38:51 yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it. Keith Weinhold 39:41 This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week. Keith Weinhold 40:00 Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there Keith Weinhold 41:42 if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Unknown Speaker 43:17 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 you Keith Weinhold 43:45 The preceding program was brought to you by your home for wealth building, getricheducation.com
The Seattle Seahawks cruised to a 38-14 victory over the Washington Commanders in front of a national audience on Sunday night. The gruesome injury late in the game to Jayden Daniels soured the win and we hope Ernest Jones and Josh Jobe come out of the game ok for our Seahawks. Sam Darnold was on point for Seattle and Jaxon Smith-Njigba continued to dominate, supported by a well-balanced offense orchestrated by Klint Kubiak. The defense stifled Washington's offense and controlled the game from start to finish. Mike Macdonald made the right call on defense with Devon Witherspoon and Josh Jobe getting the start and Nick Emmanwori demonstrating why he should never be on the bench. Without Cooper Kupp on the field, Tory Horton hauled in a couple touchdowns to make his case for future WR2 on the team and Cody White jumped up from the practice squad to add a long touchdown of his own. Join our Sea Hawkers Podcast Pickem League - free prizes for weekly winners. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation
Today's show features: Liza Borches, President & CEO of Carter Myers Automotive Jake Hales, Digital Operations Manager at Gee Automotive Companies This episode is brought to you by: CR Stream – Put the power of multiple auctions in your hand! CR Stream multi-lists your inventory to OVE, SmartAuction, and Copart simultaneously. Capture vehicle photos, damage, details and pricing start to finish in under 10 minutes with the CR Stream iPhone and Android mobile apps. Pay only $150 sell fee when you vehicles sells at auction! visit https://crstream.com/ to learn more. CDG Circles – A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit https://cdgcircles.com/ to learn more. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! — Check out Car Dealership Guy's stuff: CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com
Episode 255New drop alert: We just launched 12 new Sleep Stories in the CHANI app — one for each sign of the zodiac. Open your app and head to the Listen tab to refresh your favorite bedtime ritual, reset your rest, and reconnect with the cosmos as the nights get longer in the Northern Hemisphere.In this podcast, New York Times best-selling author and astrologer Chani Nicholas discusses the astrology of the week and what it might mean for us all.The astrology of the week of November 3rd, 2025, is jam-packed. Mars (the warrior planet) moves into Sagittarius and faces off with Uranus (the cosmic disruptor), the Full Moon in Taurus raises important questions about wealth and security, and Venus (the planet of desire) slips into Scorpio, revealing our hidden wants and unmet needs. It's time to buckle up and dig deep — into our relationships, our resources, and our shadows. You ready?This episode covers:Mars' trine to Neptune on Monday, November 3rdMars' entrance into Sagittarius on Tuesday, November 4thMars' opposition to Uranus on Tuesday, November 4thThe Full Moon in Taurus on Wednesday, November 5thMars' sextile to Pluto on Thursday, November 6thVenus' entrance into Scorpio on Thursday, November 6thUranus' re-entry into Taurus on Friday, November 7thVenus' square to Pluto on Friday, November 7thThe start of Mercury's retrograde on Sunday, November 9thThis episode was recorded on 10/28/2025.For more, check out your free daily horoscope on the homepage of the CHANI app — now on iOS and Android.The music featured in the podcast was created by Latashá.
We have exciting finished projects to talk about and updates on current projects. Our Home-A-Long and Winter Weave-A-Long are in full swing and we have project ideas to share Full notes with photos and links can be found in the podcast section of our shop website: TwoEwesFiberAdventures.com Join the community on Ravelry or become a patron and support the show on our Patreon Page. Subscribe on Apple Podcasts or Subscribe on Android. Marsha's Projects Deer Scarf: Finished! Ben and his roommates rescued a concrete deer lawn ornaments. I made a red scarf for the deer to wear this holiday. Including fringe, the scarf is about 9' long. Socks: Using Red Heart Heart and Sole in colorway Black Jack. Finished first sock and knitting on leg of the second sock. Mountain High: Heidi Kirrmaier. Using my handspun Flowers From My Garden. I decided to put the body on waste yarn and knit the sleeves. Of course color work is different because sleeve circumference is smaller than body. Occasionally breaking yarn to manage color. Sheridan Flats Spinning: Purchased 24 oz of 80/15/6 wool/mohair/silk roving in the colorway Kaleidoscope. The owner said to spin at a worsted weight for best results. Mill is Olympic Yarn & Fiber located in Cosmopolis, WA. I've filled two bobbins to date. Rag Rugs: Wound warp for four rag rugs and yesterday started warping loom. Warp will be 4" and 6" stripes in royal blue, green, and orange. Weaving Studio: It's a work in progress. Kelly's Projects Natural Dyeing Experiments I started spinning the orange CA Red fiber dyed with toyon that had been steeped for 24 hours. Spirit Yarn Hat #9 is finished. I did some free style color work with the rest of the white and the bright pink. Made Xs and Os and some border designs. Solid pink hat #8 and color work hat #9 were both gone in two days. Finished two chenille rugs. Still have warp, but no more chenille. I need to figure out the best way to use up the remaining warp (weft-faced rug, resley for towels?) and then make more chenille for more of these rugs. Started my Sleeveless Vest by Lone Kjeldsen with handspun from Jazzman, "Judith says perfect fleece." I've finished the bottom ribbing, the lateral stitch and I'm a couple inches into the body ribbing. Home-A-Long October 1st to December 31st Make a home decor item in your craft of choice…knitting, crocheting, weaving, or any way "you can think of to play with string." Recent ideas: pumpkins in the bundle, lots of gnomes in the thread, two Lindas in PA are both making Christmas ornaments, and Autumn is making a bunting with swatches. WEFT magazine has a whole issue out devoted to items for the table. Winter Weave-a-long Now through March 31
Alice Irizarry and Patrick Woodward share about the works of Argentinian writer, Jorge Luis Borges and how blindness influences his writing.https://spotlightenglish.com/biography/the-limitless-stories-of-jorge-luis-borges/Download our app for Android at http://bit.ly/spotlight-androidDownload our app for iOS at http://bit.ly/spotlight-appleFacebook: https://www.facebook.com/spotlightradioAre you learning English? Are you looking for a way to practice your English? Listen to Spotlight to learn about people and places all around the world. You can learn English words, and even practice English by writing a comment.Visit our website to follow along with the script: http://spotlightenglish.com
The church is under attack from people trying to bring in their own ideological baggage. All are welcome in church, but the point is for God's word to open people's eyes, equip them, and change them. We are not to dictate the terms on which we come to God. The church must stand firm and hold fast to the word we have received. VF-2378 Philippians 1:27; 2Thessalonians 2:15; Ephesians 6:10 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved
Post football zoomies. The Notes: Will's wife, Jaq, is a known fibber! Who wants to marry us!? Negotiations are open for Will's hand! More jousting, please! No time to joust, Doctor Jones! The fine print of getting the grail out of that cave! Billy Mills! What we're watching, kind of! Beats and vibes! 90's – 00's disaster movies! What if everything was on fire!? Can you handle it, grandpa!? Go to Will's book party this Tuesday at Maceli's at 7pm! What if it never gets better than this!? Coming from your phones and/or moms! Your dad, who was killed by robots! #MyMomsNumberIs! Summer blockbustering! Goldilocks porridge, in a legal sense! Contact Us! Follow Us! Love Us! Email: doubledeucepod@gmail.com Twitter & Instagram: @doubledeucepod Bluesky: @doubledeucepod.bsky.social Facebook: www.facebook.com/DoubleDeucePod/ Patreon: patreon.com/DoubleDeucePod Also, please subscribe/rate/review/share us! We're on Apple, Android, Libsyn, Stitcher, Google, Spotify, Amazon, Radio.com, RadioPublic, pretty much anywhere they got podcasts, you can find the Deuce! Podcast logo art by Jason Keezer! Find his art online at Keezograms! Intro & Outro featuring Rob Schulte! Check out his many podcasts! Brought to you in part by sponsorship from Courtney Shipley, Official Superfans Stefan Rider, Amber Fraley, Nate Copt, and listeners like you! Join a tier on our Patreon! Advertise with us! If you want that good, all-natural focus and energy, our DOUBLEDEUCE20 code still works at www.magicmind.com/doubledeuce for 20% off all purchases and subscriptions. Check out the Lawrence Times's 785 Collective at https://lawrencekstimes.com/785collective/ for a list of local LFK podcasts including this one!
Today's guest is David Petrou, Founder & CEO at Continua AI. Founded in 2023, Continua has brought the power of LLMs to group chat. Most AI tools today operate in “single-player” mode, but we're social creatures, inspired and motivated through group conversation. So Continua asked: what if AI could be a quiet, helpful member of the group? That question led to Social AI - technology that fades into the background, acting not as a demanding interface but as a shared layer of intelligence that strengthens human connection.David and his team are building AI that helps people feel more connected, not less. He believes technology should strengthen empathy and relationships, not compete for attention. Previously, David was a Distinguished Software Engineer (L9) at Google, where he helped create Google Goggles and Google Glass, and led efforts to bring machine intelligence to Pixel and Android. His career centers on exploring how technology can understand context and quietly enhance meaningful human connection.In this episode, David talks about:0:00 His journey from Google veteran to AI entrepreneur founding Continua AI2:20 How AI has evolved from single-user tools to collaborative group intelligence5:58 How Continua adds socially intelligent AI to everyday group chats10:23 Expanding from group chat AI to real-time group collaboration13:10 Simplifying coordination and strengthens real-world social connections15:51 Building complex group-AI tech through strong, collaborative teamwork18:41 How Continua pursues social AI toward AGI, with strong team and hiring