Podcasts about IPhone

Apple had a very strong Q1 2026, thanks to iPhone 17 sales. Apple acquires an AI company, its second-largest acquisition behind Beats by Dre. An Apple-1 computer prototype board #0 sold for $ 2.75 million. And new leaks of Apple's potential iPhone Fold hit the web! Apple's record quarter: Is this what a hit iPhone looks like?. Apple reveals it has 2.5 billion active devices around the world. Apple's historic quarter doesn't change the need for AI reckoning. Apple revamps how you buy a Mac online, removes preconfigured options. Apple's second biggest acquisition ever is an AI company that listens to 'silent speech'. Apple Design Team gains Halide co-founder, but the pro camera app isn't going anywhere. Apple to soon take up to 30% cut from all Patreon creators in iOS app. Apple was fined a total of $851M last year for privacy and antitrust violations. Continuity Camera lands Apple in legal trouble for 'Sherlocking' Camo. Apple-1 computer prototype board #0 sold for $2.75M. Very first Apple check & early Apple-1 motherboard sold for $5 million combined. New iPhone Fold specs revealed, including design, cameras, more. Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model. New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut. Agentic coding comes to Xcode. Auto-resizing columns in Finder. iOS 26's Passwords app has a new feature that can save you a headache. Apple Maps gets a 'Drops of God' wine guide curated by actor Tomohisa Yamashita. Apple C-series modem enables new privacy-focused limit precise location feature. Today's Apple TV press day. New 'Humans of Apple TV' video debuts, watch it here. Apple TV launches F1 programming in app ahead of season kickoff. Two years after release, Apple still hasn't decided what to do with Apple Vision Pro. More Accessibility for Winter Olympics. Picks of the Week Shelly's Pick: Transit App Leo's Picks: AppleUnsold and Bugs Apple Loves Andy's Pick: ReelGood Mikah's Pick: Picky Pad Hosts: Leo Laporte and Andy Ihnatko Guests: Shelly Brisbin and Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit

Welcome to this week's episode of Fast. Feast. Repeat. Intermittent Fasting for Life, with Gin Stephens and Sheri Bullock.To make a submission for the podcast, go to fastfeastrepeat.com/submit.  We are a community-driven podcast, and we look forward to sharing your questions, success stories, non-scale victories, IF tweaks, motivational quotes (and more!) on each episode of the podcast. Resources used in today's episode:Flight attendant success story: https://www.intermittentfastingstories.com/episode-191-stacy-michalec/ Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.How to build muscle over 60: https://www.everydayhealth.com/workouts-activities/exercise-gain-muscle-over/#:~:text=No%20matter%20your%20age%2C%20you,of%20Building%20Muscle%20Over%2060 To get the books, go to https://www.ginstephens.com/get-the-books.html. The second edition of Delay, Don't Deny is now available in ebook, paperback, hardback, and audIo book.  This is the book that you'll want to start with or share with others, as it is a simple introduction to IF.  It's been updated to include the clean fast, a thorough description of ADF and all of your ADF options, and an all new success stories section.  When shopping, make sure to get the second edition, which has a 2024 publication date.  The audiobook for the second edition is also available now!Gin has a new YouTube Channel!  Visit https://www.youtube.com/channel/UC_frGNiTEoJ88rZOwvuG2CA and subscribe today so you never miss an intermittent fasting tip, a support session, or an interview with a past IF Stories guest or expert.Want to learn more about BiOptimizer's Magnesium Breakthrough? Visit www.bioptimizers.com/fastfeastrepeat and use code FFR15 to save 15% off any order. Go to fastfeastrepeat.com to see Gin's and Sheri's favorite things, and to shop with us.  Every purchase you make through links on our website help to support this podcast so we can keep bringing you episodes each week.  Are you ready to take your intermittent fasting lifestyle to the next level? There's nothing better than community to help with that.  In the Delay, Don't Deny community we all embrace the clean fast, and there's just the right support for you as you live your intermittent fasting lifestyle. Connect with both Gin and Sheri in the community, as well as thousands of other intermittent fasters who are there to support you along your journey.  If you're new to intermittent fasting or recommitting to the IF lifestyle, join the 28-Day FAST Start group.  After your fast start, join us for support in The 1st Year group.  Need tips for long term maintenance? We have a place for that!  There are many more useful spaces beyond these, and you can interact in as many as you like.Visit ginstephens.com/community to join us. An annual membership costs just over a dollar a week when you do the math.  If you aren't ready to fully commit for a year, join for a month and you can cancel at any time. If you know you'll want to stay forever, we also have a lifetime membership option available.  IF is free. You don't need to join our community to fast. But if you're looking for support from a community of like-minded IFers, we are here for you at  ginstephens.com/community.

Fr. Paul Kramer joins John-Henry Westen for an in-depth interview on the suppressed Third Secret of Fatima and the global crisis he believes it foretold. Drawing from prophecy, Church history, and emerging geopolitical trends, Fr. Kramer warns that a chastisement of unprecedented scale, marked by war, famine, persecution, and surveillance, is rapidly unfolding. He argues that civil liberties are collapsing as the world shifts toward a totalitarian synthesis of Orwellian control and Huxleyan moral decay. Within the Church, he warns of a coming counterfeit structure rooted in synodality and doctrinal ambiguity, replacing truth with unity at all costs.HELP SUPPORT WORK LIKE THIS: https://give.lifesitenews.com/?utm_source=SOCIAL 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.

Apple made a big acquisition this week, released some big numbers on their quarterly results, and updated the very big number of active devices worldwide this week. Amazon and Spotify also had some big numbers to share this week, one of them not so great. Plus plenty of other tech news, tips, and picks to help you tech better! Watch on YouTube! - Notnerd.com and Notpicks.com INTRO (00:00) Apple Vision Pro launched two years ago today (04:30) 'Reddit for bots' Moltbook (probably) isn't being used to plot an AI uprising (06:40) MAIN TOPIC: Apple's Billions (09:25) Apple acquires Q.ai for a reported $2 billion Apple reveals it has 2.5 billion active devices around the world Apple announces all-time record in revenue, iPhone sales Apple shares trailer for new Top Dogs immersive 'doguseries' coming to Vision Pro DAVE'S PRO-TIP OF THE WEEK: Persistent proxy icon finder windows (19:35) JUST THE HEADLINES: (25:30) The LEGO Group and Crocs enter multi-year global partnership Scientists create programmable, autonomous robots smaller than a grain of salt SoundCloud data breach impacts 29.8 million accounts Seven of the world's ten best=selling smartphones in 2025 were iPhones An AI toy exposed 50,000 logs of its chats with kids to anyone with a Gmail account Los Angeles aims to ban single-use printer cartridges 'Reverse Solar Panel' generates electricity at night TAKES: Amazon confirms 16,000 job cuts after accidental email (30:20) Amazon shuts down controversial payment method (33:15) Spotify paid out $11B in royalties to music industry in 2025 (37:25) BONUS ODD TAKE: One Minute Park (40:40) PICKS OF THE WEEK:  Dave: Twinings Earl Grey Black Tea Individually Wrapped Bags, 100 Count (Pack of 1), Flavoured with Citrus & Bergamot, Caffeinated, Enjoy Hot or Iced, 100 Teabags (45:00) Nate: Memory Foam Replacement Ear Tips Compatible with AirPods Pro 2nd/1st Generation,with Noise Reduction Hole & Built-in dust Guard Screen,for USB-C Charging Case with Cleaner kit -Black (51:10) RAMAZON PURCHASE OF THE WEEK (56:00)

After a tragic hit-and-run accident took the lives of two people, the driver went on trial. Please subscribe to our other podcast, CIVIL, which covers civil cases and trials. Listen to the trailer here - https://podcasts.apple.com/us/podcast/civil/id1634071998 Sponsors in this episode:Boll & Branch - Get 15% off your first order, plus free shipping at Bollandbranch.com/COURT.Ka'Chava -Go to kachava.com and use the code COURT for 15% off.Marley Spoon - Go to MarleySpoon.com/offer/COURT for 45% off your first order and free delivery. Pluto TV - Download the free Pluto TV app for Android, iPhone, Roku, and Fire TV and start streaming now.Post-Production for the show is provided by Jon Keur of Wayfare Recording Co. and this episode was researched and written by Gabrielle Russon.Please support Court Junkie with as little as $3 a month via Patreon.com/CourtJunkie to receive ad-free episodes. Help support Court Junkie with $6 a month and get access to bonus monthly episodes.Follow me on Instagram at CourtJunkieSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Comedian and listener favorite John Crist returns to ask if we're being too critical of the church right now. Has our cynicism gone too far?  Plus, we talk about finding hope and do a detailed breakdown of exactly what it takes to appear on the Tonight Show.

- Apple Buys Israel-Based Startup Q.ai - Counterpoint Research: iPhones Were Seven of 2025's Top-Ten Smartphones - Apple Makes Ordering Macs à la Carte - Apple Outs Older iOS and watchOS Versions with Certificate Updates - Apple Updates iOS 16 to Address Emergency Call Issues in Australia - Apple Studios to Develop "Cosmere" Books for Film, TV - Apple TV Orders Third Season of "Your Friends and Neighbors" Ahead of Second Season Premier - "F1" Soundtrack Track Picks Up a Country Grammy - "F1 The Movie" is the Most Watched Movie on Apple TV - Sponsored by NordLayer: Get an exclusive offer - up to 22% off NordLayer yearly plans plus 10% on top with coupon code: macosken-10-NORDLAYER at nordlayer.com/macosken - Sponsored by Copilot Money: Get a two months free trial with Offer Code MACOSKEN at try.copilot.money/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

We discuss the new Epstein revelations that show that jeevacation also had a day job as a kind of nefarious Forrest Gump, facilitating or gleefully observing a huge number of the events that made our world feel so irredeemable, connecting a world of post-Soviet and American oligarchs with European aristocrats, western financiers, and basically every intelligence agency. In the second half, we talk to sociologist Paolo Gerbaudo about Ellison and friends' acquisition of TikTok USDS and what that means for politics and social media going forward. Get more TF episodes each week by subscribing to our Patreon here!   TF Merch is still available here!   *MILO ALERT* Check out Milo's tour dates here: https://www.miloedwards.co.uk/liveshows Trashfuture are: Riley (@raaleh), Milo (@Milo_Edwards), Hussein (@HKesvani), Nate (@inthesedeserts), and November (@postoctobrist)

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Stuff: Stuff helps you get everything out of your head and into a simple, elegant system—closing open loops and reducing mental stress. Use code 9TO5 at checkout for 50% off your first year. New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: iPhone 18 isn't launching until next year, new report reaffirms Tim Cook didn't rule out price rises for Apple products, and here's why Studio Display refresh looms with three key upgrades Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

Burnie and Ashley discuss cutting conspiracies, SpaceX's one million satellities, flooding the zone, foldable iPhones, doubling by halving, losing the wallet, and single strap woes.

You draw on the board a series of links on a chain, "God's Perfect Jewelry," to illustrate the most important words of Romans 5; glory (boasting), tribulations, tribulation, worketh, patience (twice), experience (twice), hope, not ashamed & the love of God. There is divine rationale behind suffering and God has the perfect order to get you through. VF-1854 Romans 5:3-5 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. ©2026 Pastor Melissa Scott, Ph.D., All Rights Reserved

Episode 171 tells the story of Mark and Aaron spending time in Atlanta this past weekend. They talk about the Cavs big trade and possibly others that may come. They tell stories about Aaron's visit to Mark's house and the importance of strong friendships for men. 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

When Michael Ryan Burke posted an iPhone on Facebook Marketplace, he was just trying to find an honest buyer, maybe haggle, and move on. But instead, he became the target of a Facebook marketplace scam that began a few days earlier.  A buyer agreed to meet for the phone, and Ryan gave his home address. But when the buyer showed up, he came armed and with a posse. He intended to steal the iPhone, not pay for it. Within minutes, Ryan lay dying on the floor of his house, but he managed to dial 911 and text his mom and sister that he loved them. Sadly, he died from his injuries.  Dig in with Margot, as she walks you through the probable cause affidavit and the investigation that lead to the arrest of 4 individuals who now stand charged with the murder of Michael Ryan Burke, a Marine veteran who was loved by all. Reminder: All persons are innocent until proven guilty in a court of law.  —— Buy/Sell Group Safety Tips:  #1. Meet In a Public Location - Consider a Safe Trade Station Near You - https://www.safetradestations.com/safetrade-station-list.html #2. Buddy System - Never Go Alone. #3. Share Location with a Trusted Person (if you can't use the buddy system) #4. Consider Safe Payment Options (try not to travel with large amounts of cash) #5. Look at Buyer Profiles - Check for red flags. New Account? Fake Account? Rating? ⸻

Mon, 02 Feb 2026 16:00:00 GMT http://relay.fm/upgrade/601 http://relay.fm/upgrade/601 Spreadsheet for Creators 601 Jason Snell and Myke Hurley We break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. We break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. clean 6064 Subtitle: Bright and Boring: Cupertino DriftWe break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. This episode of Upgrade is sponsored by: Sentry: Mobile crash reporting and app monitoring. New users get $100 in Sentry credits with code upgrade26. Fitbod: Get stronger, faster with a fitness plan that fits you. Get 25% off your membership. Squarespace: Save 10% off your first purchase of a website or domain using code UPGRADE. Links and Show Notes: Get Upgrade+. More content, no ads. Submit Feedback Ted Lasso Season 4 Imagery – Instagram Apple Signs Deal for Brandon Sanderson's 'Cosmere' Universe Movies and TV Shows - MacRumors Update From Brandon : r/Cosmere Apple Just Made Its Second-Biggest Acquisition Ever After Beats - MacRumors What made Q.ai worth $1.5 billion to Apple | Ctech “We sped research that should have taken 20 years”: Inside Q.ai's Apple exit | Ctech Apple announces all-time record in revenue, iPhone sales – Six Colors This is Tim: Complete transcript of Apple's Q1 2026 financial call – Six Colors Apple's record quarter: Is this what a hit iPhone looks like? – Six Colors Apple ‘looking at a range of options' to offset rising memory prices - 9to5Mac TSMC Risk – Stratechery by Ben Thompson Hands on with Apple Creator Studio: A bittersweet bundle – Six Colors Apple's Creator Studio has a rough App Store roll-out – Six Colors Picking up the missing pieces of Apple

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

In this powerful episode, Duane sits down with filmmaker Benjamin Flaherty to discuss his hard-hitting documentary, Shuffle. The film pulls back the curtain on the "Florida Shuffle"—a predatory cycle in the billion-dollar addiction treatment industry where vulnerable individuals are "brokered" between facilities for insurance payouts.Benjamin shares his own journey of recovery and explains how his personal experience allowed him to gain unprecedented access to a community often silenced or exploited. This conversation explores the dark intersection of greed and healthcare, the resilience of the human spirit, and why the current treatment system desperately needs transparency.Key Discussion PointsBenjamin's Recovery Journey: How a moment of clarity at age 41 led Benjamin from "professional alcoholism" to a transformative experience in treatment.The Origins of Shuffle: A chance conversation in an AA meeting revealed a disturbing trend: recovery call centers becoming a primary source of employment for those in early sobriety.What is the "Florida Shuffle"? Benjamin explains how the Affordable Care Act (ACA) unintentionally created a loophole where "patient brokers" poach insured individuals, profiting from their relapses.The Statistic that Shocks: There are currently more private substance abuse treatment centers in the U.S. than there are McDonald's restaurants.Witnessing the Cycle: The emotional weight of filming Corey and Nicole—two individuals caught in the cycle of being "bought and sold" by treatment facilities.The "Driveway Recordings": Why Benjamin chose to use raw, iPhone voice memos for the film's narration to maintain emotional authenticity.Maintaining Hope: Despite the systemic corruption, the film highlights the incredible resilience of those in recovery and the fact that healing is still possible.Notable Quotes"Stopping a substance is the entry card for admission. That's not the whole thing. There's a lot of work to do, and none of us know that until we find it out in our own way." — Benjamin Flaherty"We've now made relapse profitable. We've incentivized the struggle by providing substandard care because an insurance card is like a blank check." — Benjamin Flaherty"I approached my time with Corey not as a filmmaker first, but as a person in recovery. I had to witness it to make it impossible to ignore." — Benjamin FlahertyResources MentionedThe Documentary: Shuffle (also referred to as Stop the Shuffle)Website: stoptheshuffle.com — Find theater locations, tickets, and upcoming streaming info.Social Media: Follow the movement on Instagram @StopTheShuffle.Episode CreditsIf you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Stuff: Stuff helps you get everything out of your head and into a simple, elegant system—closing open loops and reducing mental stress. Use code 9TO5 at checkout for 50% off your first year. New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model CarPlay Ultra coming to at least one new car later this year, per report Apple revamps how you buy a Mac online New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

In this episode of The Reformed Brotherhood, Tony and Jesse continue their deep dive into the Parable of the Prodigal Son by examining the often-overlooked character of the elder brother. While the younger son's rebellion is obvious, the elder brother's self-righteous moralism represents a more subtle—and perhaps more dangerous—form of lostness. Through careful exegesis of Luke 15:25-32, the hosts explore how religious performance, resentment of grace, and merit-based thinking can keep us far from the Father's heart even while we remain close to the Father's house. This conversation challenges listeners to examine their own hearts for traces of elder brother theology and calls us to celebrate the scandalous grace that restores sinners to sonship. Key Takeaways Two ways to be lost: The parable presents both flagrant rebellion (the younger son) and respectable self-righteousness (the elder son) as forms of spiritual lostness that require God's grace. The elder brother's geographic and spiritual position: Though physically near the house and faithful in service, the elder brother was spiritually distant from the father's heart, unable to celebrate grace extended to others. Moralism as a subtle distance: Self-righteous religion can be more deceptive than open rebellion because it appears virtuous while actually rejecting the father's character and values. The father pursues both sons: God's gracious pursuit extends not only to the openly rebellious but also to the self-righteous, demonstrating that election and grace are sovereign gifts, not earned rewards. The unresolved ending: The parable intentionally leaves the elder brother's response unstated, creating narrative tension that challenges the original audience (Pharisees and scribes) and modern readers to examine their own response to grace. Adoption as the frame of obedience: True Christian obedience flows from sonship and inheritance ("all that I have is yours"), not from a wage-earning, transactional relationship with God. Resentment reveals our theology: When we find ourselves unable to celebrate the restoration of repentant sinners, we expose our own need for repentance—not from scandal, but from envy and pride. Key Concepts The Elder Brother's Subtle Lostness The genius of Jesus' parable is that it exposes a form of lostness that religious people rarely recognize in themselves. The elder brother never left home, never squandered his inheritance, and never violated explicit commands. Yet his response to his brother's restoration reveals a heart fundamentally opposed to the father's character. His complaint—"I have served you all these years and never disobeyed your command"—demonstrates that he viewed his relationship with the father transactionally, as an employer-employee arrangement rather than a father-son bond. This is the essence of legalism: performing religious duties while remaining distant from God's heart. The tragedy is that the elder brother stood within reach of everything the father had to offer yet experienced none of the joy, fellowship, or security of sonship. This form of lostness is particularly dangerous because it wears the mask of righteousness and often goes undetected until grace is extended to someone we deem less deserving. The Father's Gracious Pursuit of the Self-Righteous Just as the father ran to meet the returning younger son, he also went out to plead with the elder brother to come into the feast. This detail is theologically significant: God pursues both the openly rebellious and the self-righteous with the same gracious initiative. The father's response to the elder brother's complaint is not harsh correction but tender invitation: "Son, you are always with me, and all that is mine is yours." This reveals that the problem was never scarcity or the father's favoritism—the elder brother had always possessed full access to the father's resources and affection. The barrier was entirely on the son's side: his inability to receive sonship as a gift rather than a wage. This mirrors the historical situation of the Pharisees and scribes who grumbled at Jesus for receiving sinners. They stood adjacent to the kingdom, surrounded by the promises and covenant blessings of God, yet remained outside because they could not accept grace as the principle of God's dealing with humanity. The invitation still stood, but it required them to abandon their merit-based system and enter the feast as recipients of unearned favor. The Unresolved Ending and Its Challenge to Us Luke deliberately leaves the parable unfinished—we never learn whether the elder brother eventually joined the celebration. This narrative technique places the reader in the position of the elder brother, forcing us to answer for ourselves: will we enter the feast or remain outside in bitter resentment? For the original audience of Pharisees and scribes, this unresolved ending was a direct challenge to their response to Jesus' ministry. Would they continue to grumble at God's grace toward tax collectors and sinners, or would they recognize their own need and join the celebration? For contemporary readers, the question remains equally pressing. When we hear of a notorious sinner coming to faith, do we genuinely rejoice, or do we scrutinize their repentance with suspicion? When churches extend membership to those with broken pasts, do we celebrate restoration or quietly question whether they deserve a place at the table? The parable's open ending is not a literary flaw but a pastoral strategy: it refuses to let us remain passive observers and demands that we examine whether we harbor elder brother theology in our own hearts. Memorable Quotes The father's household is a place where grace produces joy, not just merely relief. The elder brother hears the joy before he sees it. That's often how resentment works, isn't it? We're alerted to the happiness of others and somehow there's this visceral response of wanting to be resentful toward that joy, toward that unmerited favor. — Jesse Schwamb There is a way to be near the house, church adjacent, religiously active, yet to be really far from the father's heart. The elder brother is not portrayed as an atheist, but as a moralist. And moralism can be a more subtle distance than open rebellion. — Jesse Schwamb God doesn't keep sinners from repenting. The reprobate are not prohibited or prevented by God from coming to faith. They're being kept out by their own stubborn refusal to come in. That's where this punchline hits so hard. — Tony Arsenal Full Transcript [00:00:44] Jesse Schwamb: Welcome to episode 477 of The Reformed Brotherhood. I'm Jesse.  [00:00:51] Tony Arsenal: And I'm Tony. And this is the podcast with ears to hear. Hey brother.  [00:00:55] Jesse Schwamb: Hey brother.  [00:00:56] Parables and God's Word [00:00:56] Jesse Schwamb: Speaking of ears to hear, it struck me that this whole thing we've been doing all this parable talk is really after the manner of God's words. And one of the things I've really grown to appreciate is how God speaks to the condition of those whom he addresses. He considers our ability, our capacity as his hearers to process what he's saying, and that leads into these amazing parables that we've been talking about. He doesn't speak as he is able to speak. So to speak, but I didn't mean that to happen. But as we were able to hear, and that means he spoke in these lovely parables so that we might better understand him. And today we're gonna get into some of the drama of the best, like the crown jewel as we've been saying, of maybe all the parables. The Parable of the Lost Son. We spoke a little bit about it in the last episode. Definitely want to hit that up because it's setting you up for this one, which is the definitive episode. But now we're gonna talk about this first, this younger lost son. Get into some of all of these like juicy details about what takes place, and really, again, see if we can find the heart of God. Spoiler. We can and we'll,  [00:02:04] Tony Arsenal: yeah,  [00:02:04] Affirmations and Denials [00:02:04] Jesse Schwamb: but before we do both of those things, it's of course always time at this moment to do a little affirming with or denying against. Of course, if you haven't heard us before, that's where we take a moment to say, is there something that we think is undervalued that we wanna bring forward that we'd recommend or think is awesome? Or conversely, is there something that's overvalued that's just, we're over it. The vibe is done. We're gonna deny against that. So I say to you, as I often do, Tony, are you affirming with or deny against?  [00:02:31] Tony's Nerdy Hobby: Dungeons and Dragons [00:02:31] Tony Arsenal: I'm affirming tonight. Um, I don't know how much the audience realizes of a giant ridiculous nerd I am, but we're about to go to entirely new giant nerd depths. [00:02:43] Jesse Schwamb: All right. I  [00:02:43] Tony Arsenal: think,  [00:02:44] Jesse Schwamb: let's hear it.  [00:02:44] Tony Arsenal: So, um, I was a huge fan of Stranger Things. Some, there's some issues with the show, and I understand why some people might not, um, might not feel great about watching it. You know, I think it falls within Christian liberty. But one of the main themes of the show, this is not a spoiler, you learn about this in episode one, is the whole game. The whole show frames itself around Dungeons and Dragons, right? It's kind of like a storytelling device within the show that the kids play, Dungeons and Dragons, and everything that happens in the Dungeons and Dragons game that they're playing, sort of like, um, foreshadows what's actually gonna happen in the show. Which funny if, you know Dungeons and Dragons lore, you kind of learn the entire plot of the story like ahead of time. Um, but so I, stranger Things just finished up and I've kind of been like itching to get into Dungeons and Dragons. I used to play a little bit of tabletop when I was in high school, in early college and um, I just really like the idea of sort of this collaborative storytelling game. Um, whether it's Dungeon Dragons or one of the other systems, um, Dungeons and Dragons is the most popular. It's the most well published. It's the most well established and it's probably the easiest to find a group to play with. Although it is very hard to find a group to play with, especially, uh, kind of out in the middle of nowhere where I live. So this is where the ultra super nerdy part comes in.  [00:04:02] Jesse Schwamb: Alright, here we  [00:04:03] Tony Arsenal: go. I have been painstakingly over the last week teaching Google Gemini. To be a dungeon master for me. So I've been playing Dungeons and Dragons more or less by myself with, uh, with Google Gemini, and I'm just having a lot of fun with it. Um, you can get a free copy of the rules online if you, I think it's DND, the letter NDND beyond.com. They have a full suite of like tools to create your character. Access to a basic set of the core rules. Um, you can spend a lot of money on Dungeons and Dragons, uh, and if you want to like really get into it, the books are basically textbooks. Like you're buying $300 or 300 page, $300, 300 page textbooks, um, that are not all that differently costs than like college textbooks. You'll buy a 300 page Dungeon master guide that's like $50 if you want a paper copy. So, but you can get into it for free. You can get the free rolls online, you can use their dungeon, the d and d Beyond app and do all your dice rolls for free. Um, you, you can get a free dice roller online if you don't want to do their, their app. Um, but it's just a lot of fun. I've just been having a lot of fun and I found that the, I mean. When you play a couple sessions with it, you see that the, the um, the A IDM that I've created, like it follows the same story beats 'cause it's only got so much to work with in its language model. Um, but I'm finding ways to sort of like break it out of that model by forcing it to refer to certain websites that are like Dungeons and Dragons lore websites and things like build your, build your campaign from this repository of Dungeons and Dragons stuff. So. I think you could do this with just about any sort of narrative storytelling game like this, whether you're playing a different system or d and d Pathfinders. I mean, there's all sorts of different versions of it, but it's just been a lot of fun to see, see it going. I'm trying to get a group together. 'cause I think I would, I would probably rather play Dungeons and Dragons with people, um, and rather do it in person. But it's hard to do up here. It's hard to get a, get a group going. So that's my super nerdy affirmation. I'm not just affirming Dungeons and Dragons, which would already be super nerdy. I'm affirming playing it by myself on my phone, on the bus with Google Gemini, AI acting like I'm not. Just this weird antisocial lunatic. So I'm having a lot of fun with it.  [00:06:20] Jesse Schwamb: So there are so many levels of inception there. Yeah. Like the inception and everything you just said. I love it.  [00:06:27] Tony Arsenal: Yeah. Well, what I'm learning is, um, you can give an, and, and this is something I didn't realize, what ai, I guess I probably should have, you know, it's not like an infinite thing. Um, you can give an AI instructions and if your chat gets long enough, it actually isn't referring back to the very beginning of the chat most of the time. Right. There's a, there's like a win context window of about 30 responses. So like if you tell the AI, don't roll the dice for me, like, let me roll dices that are related to my actions, eventually it will forget that. So part of what I've been doing is basically building, I'm using Google Gemini when the AI does something I don't want it to do, I say, you just did something I don't want it to do. Gimme a diagnostic report of why you did that. It will explain to me why it did what it did. Right. Why it didn't observe the rules. And then I'm feeding that into another. Prompt that is helping me generate better prompts that it refers back to. So it's kind of this weird iterative, um, yeah, I, I don't, I'm like, I maybe I'm gonna create the singularity. I'm not sure. Maybe this is gonna be possible. We should sit over the edge. It's gonna, it's gonna learn how to cast magic spells and it's gonna fire bolt us in the face or something like that. Right. But, uh, again, high risk. I, I, for one, welcome our AO AI dungeon masters. So check it out. You should try it. If you could do this with chat GPT, you could do it with any ai. Um, it, it, it is going to get a little, I have the benefit because I have a Google Workspace account. I have access to Google Pro or the Gemini Pro, which is a better model for this kind of thing. But you could do this with, with chat GPT or something like that. And it's gonna be more or less the same experience, I think. But I'm having a, I'm having a ton of fun with it. Um. Again, I, I, there's something about just this, Dungeons and Dragons at its core is a, it's like a, an exercise in joint storytelling, which is really fascinating and interesting to me. Um, and that's what most tabletop RPGs are like. I suppose you get into something like War Hammer and it's a little bit more like a board. It's a mixture of that plus a board game. But Dungeons and Dragons, the DM is creating the, I mean, not the entire world, but is creating the narrative. And then you as a player are an actor within that narrative. And then there's a certain element of chance that dice rolls play. But for the most part, um, you're driving the story along. You're telling the story together. So it's, it's pretty interesting. I've also been watching live recordings of Dungeons and Dragon Sessions on YouTube. Oh,  [00:08:50] Jesse Schwamb: wow.  [00:08:51] Tony Arsenal: Like, there's a, there's a channel called Critical Role. Like these sessions are like three and a half hours long. So, wow. I just kinda have 'em on in the background when I'm, when I'm, uh, working or if I'm, you know, doing something else. Um, but it's really interesting stuff. It's, it's pretty cool. I think it's fun. I'm a super nerd. I'm, I'm no shame in that. Um, I'm just really enjoying it.  [00:09:09] Jesse Schwamb: Listen, nerdery is great. That's like part of the zeitgeist now. Listen to culture. It's cool to be a nerd. I don't know much about d and d. I've heard a lot about this idea of this community that forms around. Yeah. The story, correct me if I'm wrong, can't these things go on for like years, decades?  [00:09:25] Tony Arsenal: Oh yeah, yeah. Like, you can do there. There, some of this has made its way into the official rule books, but basically you could do what's called a one shot, which is like a self-contained story. Usually a single session, you know, like you get a Dungeon master, game master, whichever you wanna call the person. Three to four, maybe five characters, player characters. And one session is usually about two hours long. So it's not like you sit down for 20 minutes, 30 minutes at a time and play this right. And you could do a one shot, which is a story that's designed to, to live all within that two hour session. Um, some people will do it where there isn't really any planned like, outcome of the story. The, the DM just kind of makes up things to do as they go. And then you can have campaigns, which is like, sometimes it's like a series of one shots, but more, it is more like a long term serialized period, you know, serialized campaign where you're doing many, um, many, many kinds of, uh, things all in one driving to like a big epic goal or battle at the end, right? Um, some groups stay together for a really long time and they might do multiple campaigns, so there's a lot to it. Game's been going on for like 50, 60, 70 years, something like that. I don't remember exactly when it started, but  [00:10:41] Jesse Schwamb: yeah.  [00:10:41] Tony Arsenal: Um, it's an old game. It's kinda like the doctor who of of poor games and it's like the original tabletop role playing game, I think. [00:10:47] Jesse Schwamb: Right. Yeah, that makes sense. Again, there's something really appealing to me about not just that cooperative storytelling, but cooperative gameplay. Everybody's kind of in it together for the most part. Yeah. Those conquest, as I understand them, are joint in nature. You build solidarity, but if you're meeting with people and having fun together and telling stories and interacting with one another, there's a lot of good that comes out of that stuff there. A lot of lovely common grace in those kind of building, those long-term interactions, relationships, entertainment built on being together and having good, clean, fun together.  [00:11:17] Tony Arsenal: Yeah. Well, and it's, you know, it's, um. It's an interesting exercise. It's it, in some ways it's very much like improv. Like you, you think of like an improv comedy like show I've been to somewhere. Like, you know, you go to the show and it's an improv troupe, but they're like calling people from the crowd up and asking them for like different scenarios they might do. It's kind of like that in that like the GM can plan a whole, can plan a whole thing. But if I as a player character, um. And I've done this to the virtual one just to see what it does, and it's done some interesting things. One of the campaigns I was playing, I had rescued a merchant from some giant spiders and I was helping, like, I was helping like navigate them through the woods to the next town. And we kept on getting attacked and just outta nowhere. I was like, what if I sort of act as though I'm suspicious of this merchant now because why are we getting attacked all the time? And so I, I typed in sort of like a little. A mini role play of me accusing this guy. And it was something like, Randall, we get, we're getting attacked a lot for a simple merchant, Randall merchant. What happens if I cast a tech magic? What am I gonna find? And he's like, I don't know what I'm gonna find. I know I don't know anything. And then I cast a tech magic and it shifted. I mean, I don't know where the campaign was gonna go before that, but it shifted the whole thing now where the person who gave him the package he was carrying had betrayed him. It was, so that happens in real life too in these games, real life in these games. That happens in real, in-person sessions too, where a player or a group of players may just decide instead of talking to the contact person that is supposed to give them the clue to find the dungeon they're supposed to go to, instead they ambush them and murder them in gold blood. And now the, the dungeon master has to figure out, how do I get them back to this dungeon when this is the only person that was supposed to know where it is? So it, it does end up really stretching your thinking skills and sort of your improvisational skills. There's an element of, um, you know, like chance with the dice, um, I guess like the dice falls in the lot, but the lot is in the handle. Or like, obviously that's all ordained as well too, but there is this element of chance where even the DM doesn't get to determine everything. Um, if, if I say I want to, I want to try to sneak into this room, but I'm a giant barbarian who has, you know, is wearing like chain mail, there's still a chance I could do it, but the dice roll determines that. It's not like the, the GM just says you can't do that. Um, so it's, it's a, I, I like it. I'm, I'm really looking forward to trying to, getting into it. It is hard to start a group and to get going and, um, there's a part of me that's a little bit. Gun shy of maybe like getting too invested with a group of non-Christians for something like this. 'cause it can get a little weird sometimes. But I think that, I think that'll work out. It'll be fun. I know there's actually some people in our telegram chat. Bing, bing, bing segue. There we go. There's some people in our telegram chat actually, that we're already planning to do a campaign. Um, so we might even do like a virtual reform brotherhood, Dungeons and Dragons group. So that might be a new sub channel in the telegram at some point.  [00:14:13] Jesse Schwamb: There you go. You could jump right in. Go to t.me back slash reform brotherhood.  [00:14:18] Tony Arsenal: Yeah. Jesse, what are you affirming since I just spent the last 15 minutes gushing about my nerdy hobby?  [00:14:23] Jesse Schwamb: Uh, no, that was great. Can I, can I just say two things? One is, so you're basically saying it's a bit like, like a troll shows up and everybody's like, yes. And yeah. So I love that idea. Second thing, which is follow up question, very brief. What kind of merchant was Randall.  [00:14:39] Tony Arsenal: Uh, he was a spice trader actually.  [00:14:42] Jesse Schwamb: Yeah. I don't trust that.  [00:14:43] Tony Arsenal: And, and silk, silk and spices.  [00:14:45] Jesse Schwamb: Yeah. That's double, that's too strict.  [00:14:47] Tony Arsenal: He was actually good guy in the, in the story that developed out of this campaign. He actually became part of my family and like, like, like got adopted into the family because he lost everything on his own. Randy we're  [00:15:00] Jesse Schwamb: talking about Randy.  [00:15:01] Tony Arsenal: Randy Randall with one L. Yeah. The AI was very specific about  that.  [00:15:05] Jesse Schwamb: There's, there's nothing about this guy I trust. I, is this still ongoing? Because I think he's just trying to make his way deeper in,  [00:15:11] Tony Arsenal: uh, no, no. It, I'll, I'll wait for next week to tell you how much, even more nerdy this thing gets. But there's a whole thing that ha there was a whole thing out of this That's a tease. Tease. There was a, there was a horse and the horse died and there was lots of tears and there was a wedding and a baby. It was, it's all sorts of stuff going on in this campaign. [00:15:27] Jesse Schwamb: Yeah. And I'm sure. Randy was somewhere near that horse when it happened. Right?  [00:15:32] Tony Arsenal: It was his horse.  [00:15:33] Jesse Schwamb: Yeah, exactly. That's  [00:15:35] Tony Arsenal: exactly, he didn't, he didn't kill the horse. He had no power to knock down the bridge The horse was standing on.  [00:15:40] Jesse Schwamb: Listen, next week, I'm pretty sure that's what we're gonna learn is that it was all him. [00:15:45] Tony Arsenal: Alright, Jesse, save us from this. Save us from this, please. Uh,  [00:15:49] Jesse Schwamb: no.  What  [00:15:50] Tony Arsenal: you affirming, this is  [00:15:50] Jesse Schwamb: great.  [00:15:50] Jesse's Affirmation: Church Community [00:15:50] Jesse Schwamb: It's possible that there is a crossover between yours and mine if we consider. That the church is like playing a d and d game in the dungeon Masters Christ, and the campaigns, the gospel. So I was thinking maybe is it possible, uh, maybe this is just the, the theology of the cross, but that sometimes, like you need the denial to get to the affirmation. Have we talked about that kind of truth? Yeah,  [00:16:14] Tony Arsenal: yeah,  [00:16:15] Jesse Schwamb: for sure. So here's a little bit of that. I'll be very, very brief and I'm using this not as like just one thing that happened today, but what I know is for sure happening all over the world. And I mean that very literally, not just figuratively when it comes to the body of Christ, the local church. So it snowed here overnight. This was, this is the Lord's Day. We're hanging out in the Lord's Day, which is always a beautiful day to talk about God. And overnight it snowed. The snow stopped relatively late in the morning around the time that everybody would be saying, Hey, it's time to go and worship the Lord. So for those in my area, I got up, we did the whole clearing off the Kai thing. I went to church and I was there a little bit early for a practice for music. And when I pulled in, there weren't many there yet, but the whole parking lot unplowed. So there's like three inches of snow, unplowed parking lot. So I guess the denial is like the plow people decided like, not this time I, I don't think so. They understood they were contracted with the church, but my understanding is that when one of the deacons called, they were like, Ooh, yeah, we're like 35 minutes away right now, so that's gonna be a problem. So when I pulled in, here's what I was. Like surprise to find, but in a totally unexpected way, even though I understand what a surprise is. And that is that, uh, that first the elders and the deacons, everybody was just decided we're going to shovel an entire parking lot. And at some point big, I was a little bit early there, but at some point then this massive text change just started with everybody, which was, Hey, when you come to church, bring your shovel. And I, I will tell you like when I got out of the car. I was so like somebody was immediately running to clear a path with me. One of those like snow pushers, you know what I mean? Yeah. Like one, those beastly kind of like blade things.  [00:17:57] Tony Arsenal: Those things are, those things are the best.  [00:17:59] Jesse Schwamb: Yeah. You just run. And so you have never met a group of people that was more happy to shovel an entire large asphalt area, which normally shouldn't even be required. And. It just struck me, even in hindsight now thinking about it, it was this lovely confluence of people serving each other and serving God. It was as if they got up that morning and said, do you know what would be the best thing in the world for me to do is to shovel. And so everybody was coming out. Everybody was shoveling it. It was to protect everyone and to allow one into elaborate, one access. It was just incredible. And so I started this because the affirmation is, I know this happens in, in all of our churches, every God fearing God, loving God serving church, something like this is happening, I think on almost every Lord's day or maybe every day of the week in various capacities. And I just think this is God's people coming together because everybody, I think when we sat down for the message was exhausted, but. But there was so much joy in doing this. I think what you normally would find to be a mundane and annoying task, and the fact that it wasn't just, it was redeemed as if like we, we found a greater purpose in it. But that's, everyone saw this as a way to love each other and to love God, and it became unexpected worship in the parking lot. That's really what it was, and it was fantastic. I really almost hope that we just get rid of the plow company and just do it this way from now on. Yeah, so I'm affirming, recognize people, recognize brothers and sisters that your, your church is doing this stuff all the time and, and be a part of it. Jump in with the kinda stuff because I love how it brings forward the gospel.  [00:19:35] Tony Arsenal: Yeah. Yeah. That's a great story. It's a great, uh, a great example of the body of Christ being, what the body of Christ is and just pulling together to get it done. Um, which, you know, we do on a spiritual level, I think, more often than a physical level these days. Right, right. But, um, that's great. I'm sitting here going three inches of snow. I would've just pulled into the lot and then pulled out of the lot. But New Hampshire, it hits different in New Hampshire. Like we all d have snow tires and four wheel drive.  [00:20:02] Jesse Schwamb: It's, it's enough snow where it was like pretty wet and heavy that it, if, you know, you pack that stuff down, it gets slick. You can't see the people, like you can't have your elderly people just flying in, coming in hot and then trying to get outta the vehicle, like making their way into church.  [00:20:14] Tony Arsenal: Yeah.  [00:20:15] Jesse Schwamb: So there was, there was a lot more of that. But I think again, you would, one of the options would've been like, Hey, why don't we shovel out some sp spaces for the, for those who need it, for, you know, those who need to have access in a way that's a little bit less encumbered. Oh, no, no. These people are like, I see your challenge and I am going to shovel the entire parking lots.  [00:20:35] Tony Arsenal: Yeah. Yeah. It used to happen once in a while, uh, at the last church, uh, at, um, your dad's church. We would, where the plow would just not come on a Sunday morning or, or more often than not. Um, you know, what happens a lot of times is the plows don't want to come more than once. Right. If they don't have to. Or sometimes they won't come if they think it's gonna melt because they don't want to deal with, uh, with like customers who are mad that you plowed and that it all melts. But either way, once in a while. The plow wouldn't come or it wouldn't come in time. And what we would do is instead of trying to shovel an entire driveway thing, we would just went, the first couple people who would get there, the young guys in the church, there was only a couple of us, but the younger guys in the church would just, we would just be making trips, helping people into the, yeah. Helping people into the building. So, um, it was a pretty, you know, it was a small church, so it was like six trips and we'd have everybody in, but um, we just kind of, that was the way we pulled together. Um, yeah, that's a great, it's a great story. I love, I love stuff like that. Yeah, me too. Whether it's, whether it's, you know, plowing a, a parking lot with shovels instead of a plow, or it's just watching, um, watching the tables and the chairs from the fellowship, you know, all just like disappear because everybody's just, uh, picks up after themselves and cleans and stuff. That's, that's like the most concrete example of the body of Christ doing what the body of Christ does. Um, it's always nice, you know, we always hear jokes about like, who can carry the most, the most chairs,  [00:22:04] Jesse Schwamb: most  [00:22:04] Tony Arsenal: chairs. Uh, I think it's true. Like a lot of times I think like I could do like seven or eight sometimes. [00:22:10] Jesse Schwamb: Uh, you, that's, so, one more thing I wanna say. I, I wanted to tell you this privately, Tony, 'cause it just cracked me up 'cause I, you'll appreciate this. But now I'm realizing I think the brothers and sisters who listened to us talk for any length of time and in the context of this conversation, but the church will appreciate this too. On my way out, I, I happened because I was there early and the snow was crazy. I parked way further out, way on the edge of the lot to just allow for greater access because of all the shoveling that was happening. And by the way, I really hope there were a ton of visitors this morning because they were like, wow, this, this church is wild. They love to shovel their own lot and they're the happiest people doing it. Some sweaty person just ushered me in while they were casting snow. Like,  [00:22:47] Tony Arsenal: is this some new version of snake handling? You shovel your own lot and your impervious to back injuries.  [00:22:53] Jesse Schwamb: Uh. So I was walking out and as I walked past, uh, there was a, uh, two young gentlemen who were congregating by this very large lifted pickup truck, which I don't have much experience with, but it looked super cool and it was started, it was warming up, and they were just like casually, like in the way that only like people with large beards wearing flannel and Carhartt kind of do, like casually leaning against the truck, talking in a way that you're like, wow, these guys are rugged. And they sound, they're super cool, and they're probably like in their twenties. And all I hear as I pass by is one guy going, yeah, well, I mean that's, I was, I said to them too, but I said, listen, I'd rather go to a church with God-fearing women than anywhere else.  [00:23:36] Tony Arsenal: Nice.  [00:23:37] Jesse Schwamb: I was just like, yep. On the prowl and I love it. And they're not wrong. This is the place to be.  [00:23:42] Tony Arsenal: It is.  [00:23:43] Jesse Schwamb: Yeah. This is the place to be. Yeah. So all kinds of, all kinds of good things I think going on in that in the house of the Lord and where wherever you're at, I would say be happy and be joyful and look for those things and participate in, like you said, whether it's physical or not, but as soon as you said like the, our young men, our youth somehow have this competition of when we need to like pack up the sanctuary. How many chairs can I take at one time? Yeah. It's like the classic and it just happens. Nobody says like, okay, everybody line up. We're about to embark on the competition now. Like the strong man usher competition. It's just like, it just happens and  [00:24:17] Tony Arsenal: it's  [00:24:17] Jesse Schwamb: incredible.  [00:24:18] Tony Arsenal: I mean, peacocks fan out their tail feathers. Young Christian guys fan out. All of the table chairs, chairs they can carry. It's uh, it's a real phenomena. So I feel like if you watch after a men's gathering, everybody is like carrying one chair at a time because they don't wanna hurt their backs and their arms. Oh, that's  [00:24:36] Jesse Schwamb: true. That's  [00:24:37] Tony Arsenal: what I do. Yeah. But it's when the women are around, that's when you see guys carrying like 19 chairs. Yeah. Putting themselves in the hospital.  [00:24:42] Jesse Schwamb: That's what I, listen, it comes for all of us. Like I, you know, I'm certainly not young anymore by almost any definition, but even when I'm in the mix, I'm like, oh, I see you guys. You wanna play this game? Mm-hmm. Let's do this. And then, you know, I'm stacking chairs until I hurt myself. So it's great. That's, that is what we do for each other. It's  [00:25:01] Tony Arsenal: just, I hurt my neck getting outta bed the other day. So it happens. It's real.  [00:25:05] Jesse Schwamb: The struggle. Yeah, the struggle is real.  [00:25:07] The Parable of the Lost Son [00:25:07] Jesse Schwamb: Speaking of struggle, speaking of family issues, speaking of all kinds of drama, let's get into Luke 15 and let me read just, I would say the first part of this parable, which as we've agreed to talk about, if we can even get this far, it's just the younger son. [00:25:24] Tony Arsenal: Yeah.  [00:25:25] Jesse Schwamb: And again, don't worry, we're gonna get to all of it, but let me read beginning in, uh, verse 11 here. This is Luke chapter 15. Come follow along as you will accept if you're operating heavy machinery. And Jesus said, A man had two sons and the younger of them said to his father, father, give me the share of the estate that falls to me. So he divided his wealth between them. And not many days later, the younger son gathered everything together and went on a journey into a distant country. And there he squandered his estate living recklessly. Now, when he had spent everything, a severe famine occurred in that country and it began to be impoverished. So he went and hired himself to one of the citizens of that country, and he sent him into his fields to feed swine. So he went and as he was desiring to be fed with the pods that the swine were eating because no one was giving anything to him. But when he came to himself, he said, how many of my father's men have more than enough bread, but I am dying here with hunger. I'll rise up and go to my father, and I'll say to him, father, I have sinned against heaven and before you, I'm no longer worthy to be called your son. Make me as one of your hired men. So he rose up, came to his father, but while he was still a long way off. His father saw him and felt compassion and ran and embraced him. And the son said to him, father, I've sinned against heaven and before you, I'm no longer worthy to be called your son. But the father said to his slaves, quickly, bring out the best robe and put it on him, and put a ring on his hand and sandals on his feet and bring the fat in calf and slaughter it and let us celebrate. For the son of mine was dead and has come to life again. He was lost and he has been found and they began to celebrate.  [00:27:09] Tony Arsenal: Yeah. Yeah. This is such a, um, such a, I don't know, like pivotal seminal parable in the Ministry of Christ. Um, it's one of those parables and we, we mentioned this briefly last week that even most. It, it hasn't passed out of the cultural zeitgeist yet. A lot of biblical teaching has, I mean, a lot, I think a lot of things that used to be common knowledge where, where you could make a reference to something in the Bible and people would just get it. Um, even if they weren't Christian or weren't believers, they would still know what you were talking about. There's a lot of things in the Bible that have passed out of that cultural memory. The, the parable of the prodigal son, lost son, however you wanna phrase it, um, that's not one of them. Right. So I think it's really important for us, um, and especially since it is such a beautiful picture of the gospel and it has so many different theological touch points, it's really incumbent on us to spend time thinking about this because I would be willing to bet that if you weave. Elements of this parable into your conversations with nonbelievers that you are praying for and, and, you know, witnessing to and sharing the gospel with, if you weave this in there, you're gonna help like plant some seeds that when it comes time to try to harvest, are gonna pay dividends. Right. So I think it's a really, it's a really great thing that we're gonna be able to spend, you know, a couple weeks really just digging into this. [00:28:40] Jesse Schwamb: Yeah, and to define the beginning, maybe from the end, just slightly here, I like what you said about this cultural acknowledgement of this. I think one of the correctives we can provide, which is clear in the story, is in the general cultural sense. We speak of this prodigal as something that just returns comes back, was lost, but now is found. And often maybe there is this component of, in the familial relationship, it's as if they've been restored. Here we're gonna of course find that this coming to one senses is in fact the work of God. That there is, again, a little bit of denial that has to bring forward the affirmation here that is the return. And so again, from the beginning here, we're just talking about the younger son. We have more than youthful ambition.  [00:29:19] The Essence of Idolatry and Sin [00:29:19] Jesse Schwamb: This heart of, give me the stuff now, like so many have said before, is really to say. Give me the gifts and not you, which is, I think, a common fault of all Christians. We think, for instance of heaven, and we think of all the blessings that come with it, but not necessarily of the joy of just being with our savior, being with Christ. And I think there's something here right from the beginning, there's a little bit of this betrayal in showing idolatry, the ugliness of treating God's gifts as if there's something owed. And then this idea that of course. He receives these things and imme more or less immediately sometime after he goes and takes these things and squanderers them. And sin and idolatry, I think tends to accelerate in this way. The distance from the father becomes distance from wisdom. We are pulled away from that, which is good. The father here being in his presence and being under his care and his wisdom and in his fear of influence and concern, desiring then to say, I don't want you just give me the gifts that you allegedly owe me. And then you see how quickly like sin does everything you, we always say like, sin always costs more than you want to pay. And it always takes you further than you want to go. And that's exactly what we see here. Like encapsulated in an actual story of relationship and distance.  [00:30:33] Tony Arsenal: Yeah. Yeah. And I, you know, I think, um. It's interesting to me.  [00:30:39] The Greek Words for Property [00:30:39] Tony Arsenal: You know, I, I, I'm a big fan of saying you don't need to study Greek to understand your Bible, but I'm also a big fan of saying understanding a little bit of Greek is really helpful. And one of the things that I think is really intriguing, and I haven't quite parsed out exactly what I think this means, but the word property in this parable, it actually is two different Greek words that is translated as property, at least in the ESV. And neither one of them really fit. What our normal understanding of property would be. And there are Greek words that refer to like all of your material possessions, but it says, father, give me the share of property. And he uses the word usia, which those of us who have heard anything about the trinity, which is all of us, um, know that that word means something about existence. It's the core essence of a person. So it says, father, give me the share of usia that is coming to me. And then it says, and he divided his bias, his, his life between them. Then it says, not many days later, the younger son gathered all that he had took a journey into the far country. There he squandered his usia again. So this, this parable, Christ is not using the ordinary words to refer to material, uh, material accumulation and property like. I think probably, you know, Christ isn't like randomly using these words. So there probably is an element that these were somehow figuratively used of one's life possessions. But the fact that he's using them in these particular ways, I think is significant. [00:32:10] The Prodigal Son's Misconception [00:32:10] Tony Arsenal: And so the, the, the younger son here, and I don't even like calling this the prodigal sun parable because the word prodigal doesn't like the equivalent word in Greek doesn't appear in this passage. And prodigal doesn't mean like the lost in returned, like prodigal is a word that means like the one who spends lavishly, right? So we call him the prodigal son because he went and he squandered all of his stuff and he spent all of his money. So it doesn't even really describe the main feature or the main point of why this, this parable is here. It's just sort of like a random adjective that gets attached to it. But all of that aside, um. This parable starts off not just about wasting our property, like wasting our things, but it's a parable that even within the very embedded language of the parable itself is talking about squandering our very life, our very essence, our very existence is squandered and wasted as we depart from the Father. Right? And this is so like, um, it's almost so on the head, on the on the nose that it's almost a little like, really Jesus. Like this is, this is so like, slap you in the face kind of stuff. This is right outta like Romans, uh, Romans one, like they did not give thanks to God. They did not show gratitude to God or acknowledge him as God. This is what's happening in this parable. The son doesn't go to his father and say, father, I love you. I'm so happy to stay with you. I'm so happy to be here. He, he basically says like. Give me your very life essence, and I'm gonna go, I'm gonna go spend it on prostitutes. I'm gonna go waste your life, father, I'm gonna waste your life, your existence, your bias. I'm gonna go take that and I'm gonna squander it on reckless living. And I guess we don't know for sure. He, it doesn't say he spends it on prostitutes. That's something his brother says later and assumes he did. So I, I don't know that we do that. But either way, I'm gonna take what's yours, your very life, your very essence. And also that my life, my essence, the gift you've given me as my father, you've given me my life. In addition now to your life or a portion of your life. And I'm gonna go squander that on reckless living, right? Like, how much of a picture of sin is that, that we, we take what we've been given by God, our very life, our very essence, we owe him everything, and we squander that on sinful, reckless living. That that's just a slap in the face in the best way right out of the gate here.  [00:34:28] Jesse Schwamb: Yes, that, that's a great point because it's, it would be one thing to rebel over disobedience, another thing to use the very life essence that you've been given for destructive, self-destructive purposes. And then to use that very energy, which is not yours to begin with, but has been imbued in yours, external, all of these things. And then to use that very thing as the force of your rebellion. So it's double insult all the way around. I'm with you in the use of Greek there. Thank you. Locus Bio software. Not a sponsor of the podcast, but could be. And I think that's why sometimes in translations you get the word like a state because it's like the closest thing we can have to understanding that it's property earned through someone's life more or less. Yeah. And then is passed down, but as representative, not just of like, here's like 20 bucks of cash, but something that I spent all of me trying to earn and. And to your point, also emphasizing in the same way that this son felt it was owed him. So it's like really bad all around and I think we would really be doing ourselves a disservice if we didn't think that there's like a little bit of Paul washer saying in this, like I'm talking about you though. So like just be like, look at how disrespectful the sun is. Yeah. Haven't we all done this? To God and bringing up the idea of prodigal being, so that, that is like the amazing juxtaposition, isn't it? Like Prodigal is, is spent recklessly, parsimonious would be like to, to save recklessly, so to speak. And then you have the love the father demonstrates coming against all of that in the same way with like a totally different kind of force. So.  [00:36:02] The Famine and Realization [00:36:02] Jesse Schwamb: What I find interesting, and I think this is like set up in exactly what you said, is that when you get to verse 14 and this famine comes, it's showing us, I think that like providence exposes what Sin conceals.  [00:36:16] Tony Arsenal: Yeah.  [00:36:16] Jesse Schwamb: And want arrives. Not just because like the money ran out, but because again, like these idols, what he's replaced the father with, they don't satisfy. And repentance then often begins when God shows the emptiness of light apart life apart from him. That's like the affirmation being born out of the denial. And so I think that this also is evolving for us, this idea that God is going to use hardship, not as mere punishment, but as mercy that wakes us up and that the son here is being woken up, but not, of course, it's not as if he goes into the land, like you said, starts to spend, is like, whoa, hold on a second. This seems like a bad idea. It's not until all of that sin ever, like the worship of false things collapses under its own weight before it, which is like the precursor of the antecedent, I think, to this grand repentance or this waking up.  [00:37:05] Tony Arsenal: Yeah. Yeah. And you know, I also think it's, um.  [00:37:08] The Depths of Desperation [00:37:08] Tony Arsenal: A feature of this that I haven't reflected on too deeply, but is, is worth thinking about is the famine that's described here only occurs in this far country that he's in. [00:37:17] Jesse Schwamb: Yeah.  [00:37:17] Tony Arsenal: Right. So even that's right. And this is like a multitude of foolish decisions. This is compounding foolish decisions that don't, don't make any sense. Like they don't really actually make any sense. Um. There's not a logic to this, this lost son's decision making. He takes the property. Okay. I guess maybe like you could be anxious to get your inheritance, but then like he takes it to a far country. Like there's no reason for him to do that. If at any point through this sort of insane process he had stopped short, he would not have been in the situation he was in. Yes. And that, I love that phrase, that providence, you know, reveals, I don't know exactly how you said it, but like providence reveals what our sin can bring to us. Like he first see sins against his father by sort of like demanding, demanding his inheritance early. Then he takes it and he leaves his country for no reason. He goes to this far country, then he spends everything and then the famine arises. Right? And the famine arises in this other country.  [00:38:13] Jesse Schwamb: Right.  [00:38:13] Tony Arsenal: And that's, I think that is still again, like a picture of sin. Like we. We don't just, we don't just take what the father has and, and like spend it like that would be bad enough if we weren't grateful for what we have and what we've been given, and we just waste it. But on top of that, now we also have taken ourselves to a far country. Like we've gone away from the good, the good land of the Lord, as those who are not regenerate. We've gone away from the, the Lord into this far country. And it's not until we start to have this famine that we recognize what we've done. And again, this is, this is where I think we get a picture. There's so many theological, like points in this parable particular that it almost feels a little bit like a, like a. Parable that's intended to teach some systematic theology about for sure, the oral salus, which I think there's probably a lot of like biblical theology people that are ready to just crawl through the screen and strangle me for saying that. But this is such a glorious picture of, of regeneration too. [00:39:16] The Journey Back to the Father [00:39:16] Tony Arsenal: Like he comes to himself, there's nothing, there's nothing in the story that's like, oh, and the servant that he was, the other servant he was talking to mentioned that the famine, like there's nothing here that should prompt him to want to go back to his home, to think that his father could or would do anything about it, except that he comes to himself. He just comes to the realization that his father is a good man and is wise and has resources, and has takes care of his, of his servants on top of how he takes care of his sons. That is a picture of regeneration. There's no, yeah. Logical, like I'm thinking my way into it, he just one day realizes how much, how many of my father's servants have more than enough bread. Right. But I'm perishing here in this, this foolish other country with nothing. Right. I can't even, and the, the pods that the pigs ate, we can even, we can get into the pods a little bit here, but like. He wants to eat the pods. The pods that he's giving the pigs are not something that's even edible to humans. He's that destitute, that he's willing to eat these pods that are like, this is the leftover stuff that you throw to the pigs because no, no, nobody and nothing else can actually eat it. And that's the state he's in at the very bottom, in the very end of himself where he realizes my father is good and he loves me, and even if I can never be his son again, surely he'll take care of me. I mentioned it last week, like he wasn't going back thinking that this was gonna be a failing proposition. He went back because he knew or he, he was confident that his father was going to be able to take care of him and would accept him back. Right. Otherwise, what would be the point of going back? It wasn't like a, it wasn't like a, um, a mission he expected to fail at. He expected there to be a positive outcome or he wouldn't have done it. Like, it wouldn't make any sense to try that if there wasn't the hope of some sort of realistic option.  [00:41:09] Jesse Schwamb: And I think his confidence in that option, as you were saying, is in this way where he's constructed a transaction. Yeah. That he's gonna go back and say, if you'll just take me out as a slave, I know you have slaves, I will work for you. Right. Therefore, I feel confident that you'll accept me under those terms because I'll humble myself. And why would you not want to remunerate? Me for the work that I put forward. So you're right, like it's, it's strange that he basically comes to this, I think, sense that slavery exists in his life and who would he rather be the slave of,  [00:41:38] Tony Arsenal: right? [00:41:39] Jesse Schwamb: Yeah. And so he says, listen, I'm gonna come to the father and give him this offer. And I'm very confident that given that offer and his behavior, what I know about how he treats his other slaves, that he will hire me back because there's work to do. And therefore, as a result of the work I put forward, he will take care of me. How much of like contemporary theology is being preached in that very way right now?  [00:41:58] Tony Arsenal: Yeah.  [00:41:59] Jesse Schwamb: And that's really like why the minimum wages of sin is all of this stuff. It's death. It's the consequences that we're speaking about here. By the way, the idea about famine is really interesting. I hadn't thought about that. It is interesting, again, that sin casts him out into this foreign place where the famine occurs. And that famine is the beginning of his realization of the true destruction, really how far he's devolved and degraded in his person and in his relationships and in his current states. And then of course, the Bible is replete with references and God moving through famine. And whereas in Genesis, we have a local famine, essentially casting Joseph brothers into a foreign land to be freed and to be saved.  [00:42:39] Tony Arsenal: Right.  [00:42:40] Jesse Schwamb: We have the exact opposite, which is really kind of interesting. Yeah. So we probably should talk about, you know, verse 15 and the, and the pig stuff. I mean, I think the obvious statement here is that. It would be scandalous, like a Jewish hero would certainly feel the shame of the pigs. They represent UNC cleanliness and social humiliation. I'm interested again, in, in this idea, like you've started us on that the freedom that this younger brother sought for becomes slavery. It's kind of bondage of the wills style. Yeah. Stuff. There's like an, an attentiveness in the story to the degrading reversal in his condition. And it is interesting that we get there finally, like the bottom of the pit maybe, or the barrel is like you said, the pods, which it's a bit like looking at Tide pods and being like, these are delicious. I wish I could just eat these. So I, I think your point isn't lost. Like it's not just that like he looked at something gross and was so his stomach was grumbling so much that he might find something in there that he would find palatable. It, it's more than that. It's like this is just total nonsense. It, this is Romans one. [00:43:45] Tony Arsenal: Yeah. Yeah. And these pods, like, these aren't, um, you know, I guess I, I don't know exactly what these are. I'm sure somebody has done all of the historical linguistic studies, but the Greek word is related to the, the word for keratin. So like the, the same, the same root word. And we have to be careful not to define a Greek word based on how we use it. That's a reverse etymology fallacy. Like dunamis doesn't mean dynamite, it's the other direction. But the Greek word is used in other places, in Greek literature to describe like the horns of rhinoc, like,  [00:44:21] Jesse Schwamb: right,  [00:44:21] Tony Arsenal: this, these aren't like. These aren't pea pods. I've heard this described like these are like little vegetable pods. No, this is like they're throwing pieces of bone to the pigs.  [00:44:31] Jesse Schwamb: Yeah.  [00:44:31] Tony Arsenal: And the pigs, the pigs can manage it. And this is what this also like, reinforces how destitute and how deep the famine is. Like this isn't as though, like this is the normal food you give to pigs. Like usually you feed pigs, like you feed pigs, like the extra scraps from your table and like other kinds of like agricultural waste. These are, these are like chunks of bony keratin that are being fed to the pigs. So that's how terrible the famine is that not even the pigs are able to get food.  [00:45:00] Jesse Schwamb: Right?  [00:45:00] Tony Arsenal: They're given things that are basically inedible, but the pigs can manage it. And this, this kid is so hungry, he's so destitute that he says, man, I wish I could chew on those bony, those bony pods that I'm feeding them because that's how hungry and starved I am. You get the picture that this, um. This lost son is actually probably not just metaphorically on the brink of death, but he's in real risk of starvation, real risk of death that he, he can't even steal. He can't even steal from the pigs what they're eating, right? Like he can't even, he can't even glean off of what the pigs are eating just to stay alive. He, he's literally in a position where he has no hope of actually rescuing himself. The only thing that he can do, and this is the realization he has, the only thing he can do is throw himself back on the mercy of his father.  [00:45:50] Jesse Schwamb: That's  [00:45:50] Tony Arsenal: right. And, and hope, again, I think hope with confidence, but hope that his father will show mercy on him and his, his conception. I wanna be careful in this parable not to, I, I think there's something to what you're getting at or kinda what you're hinting at, that like his conception of mercy is. Not the full picture of the gospel. Yes. His conception of mercy is that he's going to be able to go and work and be rewarded for his laborers in a way that he can survive. And the gospel is so much broader and so much bigger than that. But at the same time, I think it's, it's actually also a confident hope, a faith-filled hope that his father's mercy is going to rescue him, is going to save him. So it is this picture of what we do. And, and I think, I think sometimes, um, I want to be careful how we say this 'cause I don't wanna, I don't want to get a bunch of angry emails and letters, but I think sometimes we, um, we make salvation too much of a theology test. And there's probably people that are like, Tony, did you really just say that? I think there are people who trust in the Lord Jesus thinking that that means something akin to what. This lost son thinks  [00:47:03] Jesse Schwamb: Right.  [00:47:03] Tony Arsenal: Exactly. They trust. They trust that Jesus is merciful and, and I'm not necessarily thinking of Roman Catholics. I'm not thinking of Roman Catholic theology for sure. I do think there are a fair number of Roman Catholic individuals that fall into this category where they trust Jesus to save them. Right. They just don't fully understand exactly what Jesus means, what that means for them to be saved. They think that Christ is a savior who will provide a way for them to be saved by His grace that requires them to contribute something to it. Arminians fall into that category. Right. I actually think, and I, I think there's gonna be if, if there's, if the one Lutheran who listens to our show hears this is gonna be mad, but I actually think Lutheran theology kind of falls into this in a sort of negative fashion in that you have to not resist grace in order to be saved. So I think. That is something we should grapple with is that there are people who fit into that category, but this is still a faith-filled, hope-filled confidence in the mercy of the father in this parable that he's even willing to make the journey back. Right? This isn't like right, he walks from his house down the street or from the other side of town. He's wandering back from a far country. He, he went into a far country. He has to come back from a far country. And yes, the father greets him from afar and sees him from afar. But we're not talking about like from a far country. Like he sees him coming down the road, it, he has to travel to him, and this is a picture of. The hope and the faith that we have to have to return to God, to throw ourselves on the mercy of Christ, trusting that he has our best interest in mind, that he has died for us, and that it is for us. Right? There's the, the knowledge of what Christ has done, and then there's the ascent to the truth of it. And then the final part of faith is the confidence or the, the faith in trust in the fact that, that is for me as well, right? This, this is a picture of that right here. I, I don't know why we thought we were gonna get through the whole thing in one week, Jesse. We're gonna spend at least two weeks on this lost son, or at least part of the second week here. But he, this is, this is also like a picture of faith. This is why I say this as like a systematic theology lesson on soteriology all packed into here. Because not only do we have, like what is repentance and or what does regeneration look like? It's coming to himself. What does repentance look like? Yes. Turning from your sins and coming back. What is, what is the orde solis? Well, there's a whole, there's a whole thing in here. What is the definition of faith? Well, he knows that his father is good. That he has more than enough food for his servants. He, uh, is willing to acknowledge the truth of that, and he's willing to trust in that, in that he's willing to walk back from a far country in order to lay claim to that or to try to lay claim to it. That's a picture of faith right there, just in all three parts. Right. It's, it's really quite amazing how, how in depth this parable goes on this stuff,  [00:49:54] Jesse Schwamb: right? Yeah. It's wild to note that as he comes to himself, he's still working. Yeah, in that far off country. So this shows again that sin is this cruel master. He hits the bottom, he wants the animal food, but he's still unfed. And this is all the while again, he has some kind of arrangement where he is trying to work his way out of that and he sees the desperation. And so I'm with you, you know, before coming to Christ, A person really, I think must come to themselves and that really is like to say they need to have a sober self-knowledge under God, right? Yeah. Which is, as we said before, like all this talk about, well Jesus is the answer. We better be sure what the question is. And that question is who am I before God? And this is why, of course, you have to have the law and gospel, or you have to have the the bad news before you can have the good news. And really, there's all of this bad news that's delivered here and this repentance, like you've been saying, it's not just mere regret, we know this. It's a turning, it's a reorientation back to the father. He says, I will arise and go to my father. So yeah, also it demonstrates to me. When we do come to ourselves when there's a sober self-knowledge under God, there is a true working out of salvation that necessarily requires and results in some kind of action, right? And that is the mortification of sin that is moving toward God again, under his power and direction of the Holy Spirit. But still there is some kind of movement on our part. And so that I think is what leads then in verse 19, as you're saying, the son and I do love this 'cause I think this goes right back to like the true hope that he has, even though it might be slightly corrupted or slightly wa

James and John discuss eBay finds: Apple Computer Racing press items, Mac Picasso accessories kit, and Apple Computer rainbow wall art. James and John declare Retrolutions for 2026, and news includes an iMac G3 inspired shell for your Mac mini, classic Mac inspred case for iPhone, new Macintosh book, Lego Apple Calculators, and Apple items for auction. Join our Facebook page, follow us on X (Twitter), watch us on YouTube, and visit us at RetroMacCast.  

God narrowed down Gideon's band to a few hundred and armed them with a pitcher, a lamp and a trumpet. He has also done the same for this church.  We are earthen vessels that, when broken, will reveal the Light of God and sound the trumpet of His Word. 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. ©2026 Pastor Melissa Scott, Ph.D., All Rights Reserved

Mon, 02 Feb 2026 16:00:00 GMT http://relay.fm/upgrade/601 http://relay.fm/upgrade/601 Jason Snell and Myke Hurley We break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. We break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. clean 6064 Subtitle: Bright and Boring: Cupertino DriftWe break down Apple's latest financial results (including the potential supply-chain storm brewing on the horizon) and then discuss the difficult roll-out of Apple's new Creator Studio bundle. This episode of Upgrade is sponsored by: Sentry: Mobile crash reporting and app monitoring. New users get $100 in Sentry credits with code upgrade26. Fitbod: Get stronger, faster with a fitness plan that fits you. Get 25% off your membership. Squarespace: Save 10% off your first purchase of a website or domain using code UPGRADE. Links and Show Notes: Get Upgrade+. More content, no ads. Submit Feedback Ted Lasso Season 4 Imagery – Instagram Apple Signs Deal for Brandon Sanderson's 'Cosmere' Universe Movies and TV Shows - MacRumors Update From Brandon : r/Cosmere Apple Just Made Its Second-Biggest Acquisition Ever After Beats - MacRumors What made Q.ai worth $1.5 billion to Apple | Ctech “We sped research that should have taken 20 years”: Inside Q.ai's Apple exit | Ctech Apple announces all-time record in revenue, iPhone sales – Six Colors This is Tim: Complete transcript of Apple's Q1 2026 financial call – Six Colors Apple's record quarter: Is this what a hit iPhone looks like? – Six Colors Apple ‘looking at a range of options' to offset rising memory prices - 9to5Mac TSMC Risk – Stratechery by Ben Thompson Hands on with Apple Creator Studio: A bittersweet bundle – Six Colors Apple's Creator Studio has a rough App Store roll-out – Six Colors Picking up the missing pieces o

Skip the banter: 00:07:41 In 2014, Russell and Shirley Dermond were living out their retirement in a quiet lakeside community—until neighbors made a discovery that would shake the entire area. What followed was a case marked by contradictions, clean surfaces, and missing evidence. Allison brings the full context, including one detail that was easy to miss at the time. Support us and become a Patron! Over 150 bonus episodes: https://www.patreon.com/crimeandcoffeecouple   Our Amazon Shop (stuff we like that we share on the show): https://www.amazon.com/shop/crimeandcoffee2 All our links (YouTube, Instagram, TikTok, Merch, etc): https://linktr.ee/crimeandcoffee Facebook Group to discuss episodes: www.facebook.com/groups/crimeandcoffeecouplepodcast/ References available at https://www.crimeandcoffeecouple.com a few days after this podcast airs. Case Suggestions Form: https://forms.gle/RQbthyDvd98SGpVq8   Remember to subscribe to our podcast in your favorite podcast player. Do it before you forget!   If you're listening on Spotify please leave us a 5-star review, and leave a comment on today's episode!   If you're on an iPhone, review us on Apple Podcasts please! Scroll to the bottom of the page and hit the stars ;)   Ma and Pa appreciate you more than you know.   Reminder: Support us and become a Patron! Over 100 bonus episodes: https://www.patreon.com/crimeandcoffeecouple   Podcast Intro and Outro music: Seductress Dubstep or TrippinCoffee by Audionautix http://audionautix.com Creative Commons Music by Jason Shaw on Audionautix.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dennis Prager- What if You Had a Year to Live. Timeless Wisdom: Happiness Hour: A Year To Live Dennis Prager explores the importance of living life with intention and gratitude. He shares a thought-provoking idea: what if you had a year to live? How would you change your priorities and focus on what truly matters? Dennis delves into the concept of appreciating life's simple joys and letting go of trivial worries. He takes calls from listeners who share their personal stories and insights, including a caller who had a near-death experience and another who learned to appreciate life after a serious health scare. https://youtu.be/roL0RmF9mKc?si=My4COlY3C_O_uN35 The Dennis Prager Show 81.2K subscribers 429 views Jan 16, 2026 Timeless Wisdom with Dennis Prager ------------------------------------------------------------------------ For a great archive of Prager University videos visit- https://www.youtube.com/user/PragerUniversity/featured   Donate today to PragerU! http://l.prageru.com/2eB2p0h Get PragerU bonus content for free! https://www.prageru.com/bonus-content Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/2aozfkP JOIN our Educators Network! http://l.prageru.com/2aoz2y9 -------------------------------------------------------------------- The Rational Bible: Exodus by Dennis Prager   NATIONAL BESTSELLER "Dennis Prager has put together one of the most stunning commentaries in modern times on the most profound document in human history. It's a must-read that every person, religious and non-religious, should buy and peruse every night before bed. It'll make you think harder, pray more ardently, and understand your civilization better." — Ben Shapiro, host of "The Ben Shapiro Show" "Dennis Prager's commentary on Exodus will rank among the greatest modern Torah commentaries. That is how important I think it is. And I am clearly not alone... It might well be on its way to becoming the most widely read Torah commentary of our time—and by non-Jews as well as by Jews." — Rabbi Joseph Telushkin, bestselling author of Jewish Literacy Why do so many people think the Bible, the most influential book in world history, is outdated? Why do our friends and neighbors – and sometimes we ourselves – dismiss the Bible as irrelevant, irrational, immoral, or all of these things? This explanation of the Book of Exodus, the second book of the Bible, will demonstrate that the Bible is not only powerfully relevant to today's issues, but completely consistent with rational thought. Do you think the Bible permitted the trans-Atlantic slave trade? You won't after reading this book. Do you struggle to love your parents? If you do, you need this book. Do you doubt the existence of God because belief in God is “irrational?” This book will give you reason after reason to rethink your doubts. The title of this commentary is, “The Rational Bible” because its approach is entirely reason-based. The reader is never asked to accept anything on faith alone. As Prager says, “If something I write does not make rational sense, I have not done my job.” The Rational Bible is the fruit of Dennis Prager's forty years of teaching the Bible to people of every faith, and no faith. On virtually every page, you will discover how the text relates to the contemporary world and to your life. His goal: to change your mind – and then change your life.   Highly Recommended by ACU. Purchase his book at- https://www.amazon.com/Rational-Bible-Exodus-Dennis-Prager/dp/1621577724   The Rational Bible: Genesis by Dennis Prager  USA Today bestseller Publishers Weekly bestseller Wall Street Journal bestseller Many people today think the Bible, the most influential book in world history, is not only outdated but irrelevant, irrational, and even immoral. This explanation of the Book of Genesis, the first book of the Bible, demonstrates clearly and powerfully that the opposite is true. The Bible remains profoundly relevant—both to the great issues of our day and to each individual life. It is the greatest moral guide and source of wisdom ever written. Do you doubt the existence of God because you think believing in God is irrational? This book will give you many reasons to rethink your doubts. Do you think faith and science are in conflict? You won't after reading this commentary on Genesis. Do you come from a dysfunctional family? It may comfort you to know that every family discussed in Genesis was highly dysfunctional! The title of this commentary is “The Rational Bible” because its approach is entirely reason-based. The reader is never asked to accept anything on faith alone. In Dennis Prager's words, “If something I write is not rational, I have not done my job.” The Rational Bible is the fruit of Dennis Prager's forty years of teaching the Bible—whose Hebrew grammar and vocabulary he has mastered—to people of every faith and no faith at all. On virtually every page, you will discover how the text relates to the contemporary world in general and to you personally. His goal: to change your mind—and, as a result, to change your life.   The Rational Bible: Deuteronomy: God, Blessings, and Curses by Dennis Prager Is the Bible, the most influential book in world history, still relevant? Why do people dismiss it as being irrelevant, irrational, immoral, or all of these things? This explanation of the Book of Deuteronomy, the fifth book of the Bible, will demonstrate how it remains profoundly relevant - both to the great issues of our day and to each individual life. Do you doubt the existence of God because you think believing in God is irrational? This book will cause you to reexamine your doubts. The title of this commentary is The Rational Bible because its approach is entirely reason-based. The listener is never asked to accept anything on faith alone. In Dennis Prager's words, “If something I write is not rational, I have not done my job.” The Rational Bible is the fruit of Prager's forty years of teaching to people of every faith and no faith at all. In virtually every section, you will discover how the text relates to the contemporary world in general and to you on a personal level. His goal: to change your mind - and, as a result, to change your life.

A top Russian archaeologist is currently under arrest in Poland. Alexander Butyagin is waiting for courts to decide on a request from Ukraine for him to be extradited. He is a scholar at the Hermitage, Russia's largest art museum in St Petersburg, and has been digging in an ancient site in Crimea since 1999. Ukrainian authorities claim that he is criminally damaging and looting the site, making the most of Russian occupation, Butyagin himself denies all charges. It is a story that Grigor Atenesian of BBC Russian has been looking into.The Kalbeliya community is a nomadic tribe from Rajasthan in India, known for its distinctive folk music and the Kalbeliya dance form. Traditionally, Kalbeliya families have led a nomadic life, though some have settled permanently over the years. They follow a type of Hinduism in which burial, rather than cremation, is a religious requirement after death. Community members say that even those who are settled often do not have legal access to land for burial, leaving families struggling to perform last rites. Ashay Yegde, who reports for the BBC in India, recently travelled to meet the Kalbeliya to hear their story. AI-generated caricatures of middle-aged men decked out in street wear, clutching an iPhone have gone viral on social media in South Korea. They are being called 'Young 40s' by younger generations. Teasing of an older person is very unusual in South Korea, where age difference, even by a year, forms the basis of social hierarchy. But the Young 40 memes also represent Korean youth's growing scepticism of this reverence for elders. Hyojung Kim of BBC Korean has been looking into the internet phenomenon, and shares what it tells us about South Korean society today. This episode of The Documentary comes to you from The Fifth Floor, the show at the heart of global storytelling, with BBC journalists from all around the world. Presented by Faranak AmidiProduced by Laura Thomas and Caroline Ferguson (Photo: Faranak Amidi. Credit: Tricia Yourkevich.)

In this episode, Scott Becker covers Apple's $143 billion quarter powered by record iPhone sales, while the stock slipped amid concerns about margin pressure and slowing growth.

This week, the crew sits down to talk about everything from new Apple AirTags to TikTok now being partially owned by the U.S government. Along the way they throw in some talk about the weather and Khaby Lame before wrapping it all up with a fun game that Andrew came up with! It's a long one but we hope you enjoy! Shop the merch: https://shop.mkbhd.com Links: PR Newswire - Khaby Lame press release: https://www.prnewswire.com/news-releases/rich-sparkle-holdings-closes-acquisition-of-tiktok-icon-khaby-lames-core-company-302658017.html Verge - TikTok banning words: https://www.theverge.com/news/868362/tiktok-epstein-ban-hoax-rumor-not-true-stop-it Verge - The TikTok deal is done: https://www.theverge.com/tech/866437/tiktok-usds-bytedance-sale-oracle-mgx Verge - Samsung Trifold pricing: https://www.theverge.com/news/868190/samsung-galaxy-z-trifold-us-price-release-date-availability Apple - New AirTag: https://www.apple.com/newsroom/2026/01/apple-introduces-new-airtag-with-expanded-range-and-improved-findability/ TechCrunch - TikTok infrastructure story: https://techcrunch.com/2026/01/27/tiktok-says-its-still-working-to-recover-its-u-s-infrastructure/ Music provided by: Epidemic Sound Social: Waveform Threads: https://www.threads.net/@waveformpodcast Waveform Instagram: https://www.instagram.com/waveformpodcast/?hl=en Waveform TikTok: https://www.tiktok.com/@waveformpodcast Hosts: Marques: https://www.threads.net/@mkbhd Andrew: https://www.threads.net/@andrew_manganelli David: https://www.threads.net/@davidimel Adam: https://www.threads.net/@parmesanpapi17 Ellis: https://twitter.com/EllisRovin Mariah: https://www.instagram.com/totallynotabusinessacc Join the Discord: https://discord.gg/mkbhd Intro/Outro music by 20syl: https://bit.ly/2S53xlC Waveform is part of the Vox Media Podcast Network. Learn more about your ad choices. Visit podcastchoices.com/adchoices

A.M. Edition for Jan. 30. President Trump is reportedly planning to announce his choice to succeed Jerome Powell as Fed chair today: former Fed governor Kevin Warsh. WSJ finance editor Alex Frangos tells us it's unclear which version of the central bank insider-turned-critic Trump would get. Plus, OpenAI says its hotly-anticipated public offering may come in the fourth quarter. And despite massive iPhone 17 sales, Apple investors are focussed on rising component costs that could hit the company's bottom line. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 769: Neal and Toby recap Apple's latest earnings which turned out to be one of its strongest quarters yet, buoyed by the iPhone. Then, Melania Trump's documentary hits wide release today and some are wondering if there's enough buzz around it to fill seats in a theatrical release. Also, with Southwest ending its open-seating model, it's a new day for the budget airline and the new challenge is profitability. Plus, Zoom's stock quietly pops – making it our Stock of the Week. And the US dollar hits a new low – making it our Dog of the Week. Finally, Congress is scrambling to avoid another shutdown.  Get your tickets for the Morning Brew Variety Show! https://tinyurl.com/MBvariety  Learn more about Sandals at sandals.com  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Apple announced big gains for the iPhone 17 last quarter while its services slowed, and Rabbit is back, teasing a specialized device designed for vibe coding.Starring Jason Howell and Jenn CutterShow notes can be found here. Hosted on Acast. See acast.com/privacy for more information.

Sometimes, there comes a moment in your life when everything changes. You might have a little warning ahead of time, or it might come as a complete surprise. It might be a surprise that makes your whole life better, or it could be news that's devastating. We never know – that's just how life works. Justin had a moment like that. He was adopted the day after he was born, so he never knew his birth mother. He had a wonderful childhood, and he loves his family, but he always wondered about the woman who actually gave birth to him. Then, that moment came – they found each other. Justin told this story on the podcast more than 7 years ago. And one of the things that I love about this episode is a surprise I had for him during our conversation. You'll hear it right after the second ad break. I hope you love this story as much as I do. Full show notes and pictures for this episode are here: https://WhatWasThatLike.com/244 Graphics for this episode by Bob Bretz. Transcription was done by James Lai. Want to discuss this episode and other things with thousands of other WWTL listeners? Join our podcast Facebook group at WhatWasThatLike.com/facebook (many of the podcast guests are there as well) Get every episode ad-free, AND get all the Raw Audio exclusive episodes to binge, by joining the other listeners at What Was That Like PLUS. Try What Was That Like PLUS free: iPhone: at the top of the What Was That Like podcast feed, click on “Try free” Android: on your phone, go to WhatWasThatLike.com/PLUS and click to try it free on any app Sponsor deals: Visit AuraFrames.com and use promo code WHATWAS at checkout to get $45 off. If you're 21 or older, get 25% OFF your first order + free shipping @IndaCloud with code [WHATWAS] at https://inda.shop/[WHATWAS]! #indacloudpod Go to ThriveMarket.com/WHATWAS to get 30% off your first order, plus a FREE $60 gift just for signing up. Go to Quince.com/whatwas for free shipping on your order and 365-day returns! Get 15% off OneSkin with the code [WHATWAS] at https://www.oneskin.co/ #oneskinpod Try Mint Mobile for 3 months, for just 15 bucks a month - MintMobile.com/WHAT Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a text!This week:A deep dive into Apple's new Creator Studio and whether it's actually a good value for creative professionalsEverything you need to know about AirTag 2!Not one but TWO new MacBook Pros are likely coming this year.A rundown of 20+ Apple products expected to launch this year, from Macs and iPads to totally new stuff.Google's new $7.99 AI Plus plan and what it says about the rapidly heating AI arms raceRevelations from my trip to Stockholm using my $2K mirrorless vs my iPhone 17 Pro cameraOur sponsorssupport.thecultcast.comunfork.thecultcast.comCultClubJoin us in the CultClub (it's totally free!)This week's storiesApple Creator Studio review: Incredible value for most creative proshttps://appleinsider.com/articles/26/01/28/apple-creator-studio-review-incredible-value-for-most-creative-pros10+ Things to Know About the New AirTag 2https://www.macrumors.com/2026/01/26/10-things-to-know-about-the-new-airtag-2/Apple Reportedly Aiming to Upgrade the MacBook Pro Twice This Yearhttps://www.macrumors.com/2026/01/25/macbook-pro-two-upgrades-in-2026-rumor/Apple to Launch These 20+ Products This Yearhttps://www.macrumors.com/2026/01/25/rumored-apple-products/Google Brings Cheaper $7.99 'AI Plus' Plan to 35 Countries, Including U.S.https://www.macrumors.com/2026/01/27/google-ai-plus-plan-expansion/

Plus: Apple struggles to meet iPhone demand. And LG Electronics reports its first net loss in a year. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

At last the Apple Creator Studio is here, and we're slowly learning what's actually new in it, what's different, and asking Apple about some launch oddities. Plus there are more iPhone 18 rumors, and more reasons to not give your health data to ChatGPT.Contact your hosts:@williamgallagher_ on Threads@WGallagher on TwitterWilliam's 58keys on YouTubeWilliam Gallagher on email@hillithreads on Threads@Hillitech on TwitterWes on BlueskyWes Hilliard on emailSponsored by:Copilot Money: Take control of your finances with the easy to use Copilot Money and a one month free trial at copilot.money/appleinsiderSquarespace: go to squarespace.com/APPLEINSIDER for a free trial and then 10% off your first purchase with coupon code APPLEINSIDERTempo: Get 60% off your first box of fresh, chef-crafted meals at tempomeals.com/appleinsiderLinks from the Show:Apple AirTag 2 improve battery, tracking, and safetyAirTag 2 has a thinner motherboard, bigger speaker coil, and lots of glueApple Creator Studio review: Incredible value for most creative prosRemember: Cancel Final Cut Pro iPad subscriptions when you set up Apple Creator StudioJohn Ternus solidifies his role as Apple CEO-apparent amid design team shakeupApple Design Team gains Halide co-founder, but the pro camera app isn't going anywhereiPhone 18 Pro Max smaller Dynamic Island dimensions detailed in new leakIf you give ChatGPT your health data, have your doctor on speed-dialMoral low ground: App Store is rife with AI 'nudify' appsApple's unusual OS 27 code name shift could reflect AI strategy changes, or nothing at allTim Cook slammed for attending 'Melania' screening on night of Alex Pretti killingApple CEO Tim Cook 'heartbroken' after repeated ICE killings in MinneapolisApple C-series modem enables new privacy-focused limit precise location featureSupport the show:Support the show on Patreon or Apple Podcasts to get ad-free episodes every week, access to our private Discord channel, and early release of the show! We would also appreciate a 5-star rating and review in Apple PodcastsMore AppleInsider podcastsTune in to our HomeKit Insider podcast covering the latest news, products, apps and everything HomeKit related. Subscribe in Apple Podcasts, Overcast, or just search for HomeKit Insider wherever you get your podcasts.Subscribe and listen to our AppleInsider Daily podcast for the latest Apple news Monday through Friday. You can find it on Apple Podcasts, Overcast, or anywhere you listen to podcasts.Those interested in sponsoring the show can reach out to us at: advertising@appleinsider.com (00:00) - Intro (02:32) - AirTags (14:15) - Apple Creator Studio (47:38) - Apple Design and Halide (55:31) - iPhone 18 (01:02:16) - ChatGPT health warning (01:03:49) - Controversy Corner (01:11:18) - Modem privacy ★ Support this podcast on Patreon ★

On today's show we go through the top streamers and how you can get their services for free or reduced price. We also read your emails and take a look at the week's news. News: YouTube TV launching new plans, better multiview in 2026 Free TV startup Telly only had 35,000 units in people's homes last fall Netflix added nearly half a million subs thanks to NFL games UFC Defends Ad-Heavy Paramount+ Debut Free Streaming Perks With the cost of streaming constantly going up the HT Guys are here to try and save you money. Almost all streamers offer some sort of discount via perks through Credit Cards, Cable and TV Providers, or Mobile Phone plans. On today's show we go through the top streamers and how you can get their services for free or reduced price.  Neflix T-Mobile: Netflix on Us is included with many of their higher-tier unlimited plans. It provides Netflix Standard with Ads for free.  Other carriers occasionally bundle it, but T-Mobile is currently the most consistent and prominent in the US. Xfinity (Comcast): Adding their "StreamSaver" bundle ($15/mo) includes Netflix Standard with Ads alongside Peacock Premium with ads and Apple TV+.   Similar occasional perks appear with Spectrum, Verizon Fios, or others during promotions, but they're not guaranteed long-term. Peacock Instacart+ If you subscribe to Instacart+ about $99/year, you can get Peacock Premium included at no extra cost. Xfinity Internet customers on Gigabit or higher plans can get up to 2 years of Peacock Premium free. Xfinity NOW TV streaming service subscribers get Peacock Premium included. Xfinity Rewards members (especially higher tiers like Diamond/Platinum) can claim Peacock Premium as a perk at no extra cost. Walmart+ membership often bundles Peacock Premium for free as part of the subscription benefits. Promotional deals or bundles — These pop up from time to time, and can save money. Student/Young Adult discounts — heavily reduced  about $5.99/month for students via verification or young adult offers. AppleTV+ When you buy a new iPhone, iPad, Mac, or Apple TV 4K, you get 3 months of Apple TV+ free.  Apple One bundle trial — Plans start around $19.95/month (Individual) after the trial, making Apple TV+ effectively part of a discounted bundle compared to subscribing separately. T-Mobile (US) — With qualifying Magenta or Magenta MAX plans, you can get Apple TV+ included at no extra cost. Some carriers (like Verizon or others in the past) have occasionally bundled Apple TV+ free or discounted with phone plans, but T-Mobile is the most consistent.  Peacock + Apple TV+ bundle — In some regions, you can bundle Apple TV+ with Peacock for around $14.99/month (saving over 30% compared to separate subscriptions).  Paramount+ Walmart+ subscribers ($12.95/month or $98/year) get Paramount+ Essential (the ad-supported plan) included at no extra cost. You can choose between Paramount+ Essential or Peacock Premium (with ads) as a streaming benefit.  DirecTV (top-tier/Ultimate packages) may offer complimentary Paramount+. Other providers like Hulu (as a Paramount+ with SHOWTIME add-on) sometimes have free trials or bundled access for eligible subscribers. Verified U.S. military members get 50% off any plan for life (via SheerID verification). This is a permanent discount. Teachers Discount — Teachers may get 50% off any plan. Hulu Eligible U.S. service members, veterans, and families can get 25% off Hulu (With Ads) through The Exchange (shopmyexchange.com).  Select T-Mobile plans include ad-supported Hulu for free. Some plans also bundle Netflix or other services. This can make Hulu effectively $0 if you already have or switch to a qualifying plan. Occasional promotions  from American Express Platinum and some other credit cards may offer free access to Hulu, Disney+, or HBO/Max bundles, but these are niche and time-limited. Bundles for Disney+, ESPN+ and Hulu start around $9.99–$12.99/mo  can save from $5 to $15 when compared to separate subscriptions.  ESPN+ Verizon: Select Unlimited 5G plans include the Disney+, Hulu, and ESPN Bundle (often Disney+ Premium, Hulu with ads, and ESPN Select with ads) at no extra charge. T-Mobile: Offers Hulu "ON US" with select plans, but ESPN+ inclusion is less direct—some bundles or promotions tie in Disney/Hulu/ESPN elements. It's more Hulu-focused, but check T-Mobile's streaming perks for any ESPN-related deals. Other carriers like AT&T may have occasional streaming bundles—verify your plan. Provider-included access: If you have cable/satellite/streaming TV services like DIRECTV, Fubo, Hulu + Live TV, Spectrum, Verizon FiOS, Cox, etc., you may get ESPN Unlimited or Select access included. Disney+ | Hulu Bundle - see above Disney+ Verizon: Several eligible Unlimited mobile plans (or certain home internet plans) include the Disney Bundle for free or at no extra cost. Disney+ | Hulu Bundle - see above Some cards (e.g., American Express Blue Cash Everyday) offer statement credits toward Disney+/Hulu (up to $7/month or similar). HBO Max If you have HBO through a cable/satellite package like DirecTV, or select plans from providers like Spectrum, internet service, or a wireless plan, you may get Max access at no extra cost. Sign in via the Max app with your provider credentials. Some older AT&T Unlimited plans or specific bundles still include it. Certain mobile carriers or services bundle Max for free or as part of a higher-tier plan. Examples include occasional Verizon or AT&T promotions (though many shifted to Disney bundles). Check your carrier's perks section—some offer limited-time free months.

Plus: OpenAI plans a fourth-quarter IPO in the race to beat Anthropic to market. And investor concerns over future component costs overshadow Apple's blowout iPhone sales. Luke Vargas hosts. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fr. Charles Murr's journey to the priesthood was not a clean, pious narrative; it was a collision with the scandal and confusion simmering inside the Church. After early encounters with clerical corruption nearly shattered his faith, he turned to law and philosophy, searching for a foundation that wouldn't crumble. What he found in Rome, however, was a Church divided: between timeless truth and ideological drift, between real fraternity and institutional decay.A question that changed Fr. Murr's life forever: “Where do you think the devil is going to be?” The answer reframes the entire crisis: evil clusters where grace should flow strongest, not because the Church is false, but because she is true. Corruption near the pope doesn't disprove the papacy; it confirms its spiritual significance.HELP SUPPORT WORK LIKE THIS: https://give.lifesitenews.com/?utm_source=SOCIAL 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.

President Trump finally announcing his pick for Fed chair: Kevin Warsh. Carl Quintanilla, Sara Eisen, and David Faber are all over the news this hour - with a deep-dive spanning his public comments as Fed governor back in 2008, to more on what it means for stocks with Apollo Global's Chief Economist. Plus: 2 Wall Street veterans who have worked with Warsh also gave their take - before the team caught up with one guest who was even seen as a front-runner in the race previously, NEC Director Kevin Hassett. Also in focus: what's driving Sandisk shares surging, Chevron's CEO on the company's fate in Venezuela, and why Apple shares are falling post-results despite strong iPhone sales.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Carl Quintanilla, Jim Cramer and David Faber led off the show with a long-awaited decision from President Trump: He named Fed governor Kevin Warsh as his pick to succeed Jerome Powell as Fed chair. The anchors explored market reaction to the news, as well as what a Warsh-led Fed could mean for rate policy and investors. Apple shares failed to get a lift despite a Q1 earnings beat and strong iPhone sales. Hear what Jim had to say about investing in Apple now. Chevron CEO Mike Wirth joined the program to discuss the energy giant's better-than-expected quarterly results and reviving oil production in Venezuela.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

All-time records for total company revenue and EPS.iPhone and Services revenue reach new all-time highs.

E hoje é dia de MacMagazine no Ar!

In this sixth installment, James shares a collection of clips focused on using whole life insurance for equipment financing. He highlights real-world examples of acquiring assets with policy loans, emphasizing control, access to capital, and long-term flexibility over traditional financing. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Gideon built an altar, calling it Jehovah-shalom, to memorialize what God had spoken to him in preparation for the upcoming battle. The same is true for the believer who is tethered to this memorial: The Lord is our peace as we go into battle. VF-1861 Judges 6  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. ©2026 Pastor Melissa Scott Ph.D. All Rights Reserved

In this episode of Trending in Education, host Mike Palmer welcomes Tara Chklovski, the founder and CEO of Technovation, a global nonprofit that has been at the intersection of AI and education since 2016. Tara shares her journey from growing up in India to pursuing a PhD in aerospace engineering and eventually launching a mobile entrepreneurship program just two years after the iPhone debuted. The conversation dives into the Technovation accelerator model, a three-month program for girls and young women ages 8 to 24. Tara explains how the program empowers students to identify real-world problems in their communities and build tech-based startups to solve them. We discuss the importance of fostering a problem-solving mindset, the critical role of human mentorship in an AI-driven world, and why the "personalized learning" trend might be too narrow a lens for the future of education. Key Insights:

The emergence of Moltbot, an open source AI agent designed to operate across various messaging platforms and automate tasks through local device execution, is creating new risk vectors for MSPs and IT providers. Functioning with admin-level access and connecting to services like OpenAI and Google, Moltbot's deployment has raised direct concerns around authority delegation without sufficient governance. Security researchers identified hundreds of exposed Moltbot instances, often due to misconfiguration, increasing the possibility of breaches and unauthorized data access. The episode underscores that these agents, treated as productivity tools, actually represent operational infrastructure capable of independent action, with potential impacts on client trust and regulatory liability.Expert sources cited in the discussion, including Cisco and Hudson Rock, have labeled Moltbot a security risk due to its storage of sensitive information in plain text and broad access permissions. The narrative warns that vendors and providers may underestimate the risks by normalizing deployment before establishing proper controls. Once these agents are embedded into workflows, reversing their use becomes difficult due to client reliance on perceived efficiency. The lack of mature governance frameworks, as shown by studies from Drexel University, means that many organizations lack even basic oversight of these autonomous agents.Adjacent industry developments highlight additional layers of operational complexity. Apple posted a 16% revenue increase, led by iPhone demand, and acquired Q AI to deepen its ambient automation capabilities, while shifting defaults that providers cannot easily influence or control. Simultaneously, the Linux community's succession planning and Microsoft's ongoing struggles with Windows 11 reliability further demonstrate systemic issues around authority, trust, and transparency in technology ecosystems.The episode's analysis signals clear expectations for MSPs and technology leaders: explicit approval protocols for AI agents are necessary, akin to traditional admin controls. Providers must proactively define governance boundaries, anticipate non-billable labor resulting from automation failures, and assess vendor behavior in terms of roadmap rigidity and escalation pathways. Teaching clients about authority in automated environments, not just managing installations, will reduce exposure and clarify accountability as agentic technologies become standard.Three things to know today00:00 Moltbot's Rise Highlights How AI Agents Are Becoming High-Risk Operators Without Governance03:49 Record iPhone Sales and a $2 Billion AI Acquisition Signal Apple's Long-Term Control Strategy06:04 Leadership Succession, Software Trust, and AI Agents Reveal a Shared Governance ProblemThis is the Business of Tech.   Supported by:  ScalePad 

We all know Siri can be frustrating, but Dave has a story about shoveling snow and trying to use Siri at the same time that had me laughing. I probably should feel bad about it, but it was just too good. More news from Mark Gurman this week on Apple's plans to run their AI efforts using Google's Gemini. Brought to you by: Copilot Money: For a limited-time, when you sign up at copilot.money (new users only, web only) you can get two months free with code DALRYMPLE. Start the new year with clarity. Your money, beautifully organized, now across every device. Show Notes: Apple reportedly replacing Siri interface with actual chatbot experience for iOS 27 Gurman on Apple's AI Sebastiaan de With joins design team at Apple Apple introduces new AirTag with expanded range and improved findability Apple's 'Creator Studio' App Bundle Now Available for $12.99 Per Month Apple Updates Keynote, Numbers, and Pages Apps With New Free and Paid Features Should you update to the new Pages, Numbers, Keynote, and Freeform on Mac? Search Your Apple Account Purchase History on iPhone Apple turning to Intel for future iPhone chips, analyst reaffirms Shows and movies we're watching Prime Target, Apple TV Springsteen: Deliver Me from Nowhere, Disney+

In this episode of Intermittent Fasting Stories, Gin talks to Miiko Anderson, who is from Shaker Heights, OH but now lives in Europe with her family.Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.Are you ready to take your intermittent fasting lifestyle to the next level? There's nothing better than community to help with that. In the Delay, Don't Deny community we all embrace the clean fast, and there's just the right support for you as you live your intermittent fasting lifestyle. You can connect directly with Gin in the Ask Gin group, and she will answer all of your questions personally. If you're new to intermittent fasting or recommitting to the IF lifestyle, join the 28-Day FAST Start group. After your fast start, join us for support in The 1st Year group. Need tips for long term maintenance? We have a place for that! There are many more useful spaces beyond these, and you can interact in as many as you like. Visit ginstephens.com/community to join us. An annual membership costs just over a dollar a week when you do the math. If you aren't ready to fully commit for a year, join for a month and you can cancel at any time. If you know you'll want to stay forever, we also have a lifetime membership option available. IF is free. You don't need to join our community to fast. But if you're looking for support from a community of like-minded IFers, we are here for you at ginstephens.com/community. Miiko shares her journey with intermittent fasting, discussing how it transformed her health and lifestyle. She reflects on her initial struggles, cultural differences in eating habits, and the importance of listening to one's body. Miko emphasizes the benefits of BHRT and the significance of making informed choices about nutrition. She encourages others to embrace their journey and highlights the empowerment that comes with understanding one's body and health.Takeaways:• Miiko started intermittent fasting about eight years ago.• She experienced immediate health benefits, including increased energy and reduced inflammation.• Incorporating exercise, especially strength training, is crucial for overall health.• Listening to your body's needs is essential for effective fasting and nutrition.• Miiko debunks myths about aging and muscle loss, showcasing her own experience. She is now at 19% body fat, feels amazing, and has been able to build muscle easily as a post-menopausal intermittent faster. • BHRT has played a vital role in Miko's health and well-being as she ages.• Eating like a grown-up means making your own informed choices about nutrition and health.At the end of the episode Miiko encourages listeners to do their own homework before getting started and also listen to the podcasts to remain motivated.Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.Get Gin's books at: https://www.ginstephens.com/get-the-books.html. Good news! The second edition of Delay, Don't Deny is now available in ebook, paperback, hardback, and audiobook. This is the book that you'll want to start with or share with others, as it is a simple introduction to IF. It's been updated to include the clean fast, an easier to understand and more thorough description of ADF and all of your ADF options, and an all new success stories section. When shopping, make sure to get the second edition, which has a 2024 publication date. The audiobook for the second edition is available now! Join Gin's community! Go to: ginstephens.com/communityDo you enjoy Intermittent Fasting Stories? You'll probably also like Gin's other podcast with cohost Sheri Bullock: Fast. Feast. Repeat. Intermittent Fasting for Life. Find it wherever you listen to podcasts. Share your intermittent fasting stories with Gin: gin@intermittentfastingstories.comVisit Gin's website at: ginstephens.com Check out Gin's Favorite Things at http://www.ginstephens.com/gins-favorite-things.htmlSubscribe to Gin's YouTube Channel! https://www.youtube.com/channel/UC_frGNiTEoJ88rZOwvuG2CASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Plus: NHTSA investigates Waymo after its robotaxi hit a child. And Apple posts blowout iPhone sales. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

NOTE: When you sign up for Patreon, PLEASE do it through a web browser (Safari, Chrome, etc.) and NOT an app on your iPhone. The Apple app charges 30% !!! If you just click on the link above, it should be fine. In today’s episode, Becket Cook sits down with Jay Dios, who shares his powerful testimony of growing up in a conservative Christian home, struggling with pornography and same-sex attraction from a young age, entering a same-sex marriage, and ultimately experiencing a radical transformation through Jesus Christ. Jay opens up about deconstructing his faith, embracing affirming theology, reading God and the Gay Christian, and even meeting Matthew Vines in person—before God revealed the truth that led him to repentance, freedom, and surrender. Jay explains what ultimately compelled him to divorce his husband, how Scripture reclaimed authority in his life, and why faithfulness to God—not identity or desire—became the turning point. Now rooted at Passion City Church, Jay reflects on obedience, contentment, sanctification, and living for eternity rather than cultural approval. This conversation is for anyone wrestling with faith and sexuality, confused by affirming theology, or seeking clarity on biblical truth, repentance, and redemption through Jesus Christ. The Becket Cook Show Ep. 228 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Thu, 29 Jan 2026 20:30:00 GMT http://relay.fm/connected/588 http://relay.fm/connected/588 DO NOT Put an AirTag on a Lobster 588 Federico Viticci, Stephen Hackett, and Myke Hurley Clawdbot has a new (worse) name, AirTags got an update, Camo served Apple with a lawsuit, and Sebastiaan de With has a new job. This week, the guys talk about all of these stories and more. Clawdbot has a new (worse) name, AirTags got an update, Camo served Apple with a lawsuit, and Sebastiaan de With has a new job. This week, the guys talk about all of these stories and more. clean 3886 Clawdbot has a new (worse) name, AirTags got an update, Camo served Apple with a lawsuit, and Sebastiaan de With has a new job. This week, the guys talk about all of these stories and more. This episode of Connected is sponsored by: Surfshark: Use this link or use code CONNECTED at checkout to get 4 extra months of Surfshark VPN! Sentry: Mobile crash reporting and app monitoring. New users get $100 in Sentry credits with code connected26. Links and Show Notes: Get Connected Pro: Preshow, postshow, no ads. Submit Feedback Moltbot (Formerly Clawdbot) Showed Me What the Future of Personal AI Assistants Looks Like - MacStories Moltbot — Personal AI Assistant Apple Introduces New and Improved AirTag - MacStories Introducing Moltworker: a self-hosted personal AI agent, minus the minis Apple Introduces New and Improved AirTag - MacStories An app developer is suing Apple for Sherlocking it with Continuity Camera | The Verge Camo and Apple – Aidan Fitzpatrick Cupertino restarts photocopiers, but indie devs stay optimistic - Ars Technica Halide co-founder Sebastiaan de With is joining Apple's design team | The Verge Sebastiaan's Threads Post Inside Looks: A Mark III Preview – Lux Physicality: the new age of UISDW's article about "a big impending UI redesign" before Liquid Glass was announced. iPhone 17 Pro Camera Review: Rule of Three - SDW Welcome to the New, Unified MacStories and Club MacStories - MacStories The New Club MacStories: Re-Subscribing to Your RSS

Benjamin and Chance review the proposition of the Creator Studio bundle now it is finally available, as well as some weirdness in the choices made of the apps in it. Also, Benjamin has been using his new AirTags for the past couple days, and Bloomberg's Mark Gurman suggests that the new Gemini Siri features may be announced in February, sooner than we previously expected. And in Happy Hour Plus, there's more talk about Creator Studio, specifically regarding which other kinds of creative apps we could see get added to the offering in the future. Join now and save 26% on annual plans with code HAPPY26. Last call! Sponsored by Quince: Refresh your winter wardrobe with Quince. Visit quince.com/happyhour for free shipping on your order and 365-day returns. Sponsored by Shopify: In 2026, stop waiting and start selling with Shopify. Sign up for a $1 per month trial at shopify.com/happyhour. Sponsored by Copilot Money: Get two months free with code 9TO5Mac at try.copilot.money/9to5mac. Hosts Chance Miller @ChanceHMiller on Twitter @ChanceHMiller on Instagram @ChanceHMiller on Threads Benjamin Mayo @bzamayo on Twitter @bzamayo@mastodon.social @bzamayo on Threads Subscribe, Rate, and Review Apple Podcasts Overcast Spotify 9to5Mac Happy Hour Plus Subscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:  Ad-free versions of every episode  Pre- and post-show content Bonus episodes Join for $5 per month or $50 a year at 9to5mac.com/join.  Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or Threads Email us feedback and questions to happyhour@9to5mac.com Links Apple Creator Studio launches today, and it's an incredible value Stephen Robles: Apple Creator Studio Pages, Keynote, Numbers get iOS 26 updates, here's everything new AirTag 2 vs AirTag: Here's everything new AirTag 2 teardown reveals the speaker is now harder to remove AirTag 2 hands-on review: Apple's clever item tracker finds even more utility with longer range and louder sound How to tell the difference between AirTag 2 and the original AirTag AirTag 2: Three tidbits you might have missed Apple to 'unveil' results of Google Gemini partnership as soon as next month: report Apple announces new Black Unity Braided Solo Loop for Apple Watch iOS 26.3 adds new feature to limit location data shared with your carrier