Podcasts about Freedom

Arkansas is streamlining the K-12 education bureaucracy, investing in educators, and expanding families' options. On today's episode of Freedom to Learn, Arkansas Secretary of Education Jacob Oliva covers the rollout of the transformative LEARNS Act and its impact. He explains how Arkansas expanded Education Freedom Accounts (EFAs) from targeted eligibility to universal access, and what […]

Click here to receive today's free gift on the Radio Page:  Speaking God's Language – Throughout the Bible, God encourages us to bring before him our worship and praise, confession, thanksgivings, intercessions, and petitions. As Christians grow in the discipline of praying, it becomes clear that there is always more to learn. Joni Eareckson Tada shares insights and personal stories that will hone your skill of including scripture in your prayers. Use the coupon code: RADIOGIFT for free shipping! *Limit one copy per person* --------Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

The post Have you blasphemed the Holy Spirit? No, you haven’t. I’ll tell you why. appeared first on Key Life.

Nearly 20% of school-aged children in the U.S. are affected by dyslexia, making it the most common learning disability—yet for many families, the journey can feel overwhelming and isolating.   In today's episode, Julie Tapscott, who shared at our Vestavia, Alabama gathering, opens up about her son's dyslexia diagnosis and the path that followed. With a mother's determination and deep faith, Julie pursued understanding, learned how to advocate within the school system, and discovered practical ways to support her son's unique needs.   If you or someone you love is walking this road (or any other learning difficulty with their child), this episode offers encouragement, practical wisdom, and a reminder that you are not alone—God is present, He is at work, and He is writing your child's story.   VERSE OF THE WEEK: For you created my inmost being; you knit me together in my mother's womb… Your eyes saw my unformed body; all the days ordained for me were written in your book before one of them came to be.  - Psalm 138:13;16   CHALLENGE OF THE WEEK: God created you and your child uniquely. This week celebrate the ways in which He uniquely made you both.  _________________________________________________________ Listen to a similar story: Episode 318- Kendra Morgan: "From Learning Disability to the Lord's Destiny"   Download a phone background of the weekly verse HERE!   Give to StoryTellers Live in honor of Julie   Join us "In the Room" on Patreon to access new stories straight from our live gatherings around the country!   Shop for our When God Shows Up Bible Study series~ Stories of Hope, Stories of Freedom, Stories of Faith Are you interested in one-on-one coaching with our very own Robyn Kown!?  Click HERE!   Check out all of our live speaking engagement opportunities on our website.   Sign up to receive StoryTellers Live's weekly newsletter for upcoming events, new podcast episodes, details on our live gatherings happening around the country, and much more!! FOLLOW US on Instagram and Facebook! 

Step inside the National Archives Rotunda, home of the Charters of Freedom, during America's 250th anniversary. We speak with National Archivist Jim Amburn about preserving the Declaration of Independence, Constitution, and Bill of Rights. Then at the Library of Congress with Kevin Butterfield, we examine Thomas Paine's Common Sense and Jefferson's copy of The Federalist […]

On today's award-winning episode of Turtle Time - "Lindsay Hubbard's Second Annual Freedom Dinner " - we begin by talking about all of the latest news like Kyle Cooke and Carl Radke joining Saturday Night Live as cast members, the hottest Met Gala looks, and E!'s The Golden Life trailer featuring the legacy RHONY cast. (00:00 - 21:05) And then we dedicate all of our energy to talking about this week's episode of Summer House - season 10, episode 15 - "The Lost Supper" - and recap every single moment in it. (21:05) And then, we give RHORI season 1, episode 6 a little pop in. (01:21:35) And then finally, we discuss RHOA season 17, episode 5 for a short amount of time. (01:33:55) If you enjoyed this episode and need more Turtle Time in your life, join the ⁠⁠⁠⁠⁠Turtle Time Patreon⁠⁠⁠⁠⁠ and become a Villa Rosa VIP to hear exclusive bonus content! We're recapping the Vanderpump Rules series from the beginning each week. And if you need even more Turtle Time in your life, follow us on ⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠. And please, if you want to watch some of the fun things we do, subscribe on ⁠⁠⁠⁠YouTube⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Freedom isn't permanent, and it depends on who's willing to fight for it.” Abteen Vaziri “The biggest victims of radical Islam are Muslims.” “I have a duty not only to save America, but to save Germany, because Germany saved me.” "Iranians are not going to be quiet."   In this powerful episode of Better Call Daddy, host Reena Friedman Watts sits down with political commentator, entrepreneur, and activist Abteen Vaziri for an eye-opening conversation about escaping Iran, confronting radical ideology, finding faith, and fighting for the American Dream. Born into a family fleeing the oppressive Islamic regime in Iran, Abteen shares the sacrifices his parents made to build a life in America. In one of the episode's most emotional moments, he reflects on his father — a man who rarely used his voice — and the powerful “why” behind leaving everything behind in search of freedom. From growing up Muslim to converting to Christianity, Abteen opens up about identity, faith, censorship, political activism, and why he believes more Iranian Americans must speak out against radicalism. He also discusses immigration, entrepreneurship through the EB-5 visa industry, cancel culture, and the dangers of extremism both abroad and in the United States. This episode dives deep into freedom, resilience, family legacy, and what it truly means to protect the American Dream. In This Episode: Escaping Iran and starting over in America The emotional story behind Abteen's father's silence From Islam to Christianity: Abteen's faith journey Fighting radicalism and political extremism Iranian-American identity and cultural pressure The American Dream and why freedom matters Immigration, entrepreneurship, and political activism Why more Iranian Americans are entering politics Episode Highlights: (00:00) Welcome to Better Call Daddy (05:15) Abteen Vaziri's journey from Iran to America (15:30) Why Iranian Americans need political representation (25:00) The story behind his father's sacrifice and silence (35:45) Radicalism, free speech, and the political climate (45:00) Faith, freedom, and final thoughts on the American Dream If you've ever wondered what people risk for freedom — or how one family's escape from Iran shaped a new generation of outspoken activists — this is an episode you won't forget. Connect with Abteen Vaziri Instagram | Twitter Connect with Reena Friedman Watts Website | LinkedIn | Instagram | YouTube

The post Forgiveness grows in the soil of awareness. appeared first on Key Life.

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Subscribe now to skip the ads and get all of our episodes. Danny and Derek welcome to the show Alex Zakaras, professor of political science at the University of Vermont, to talk about the history and future of radical liberalism. They discuss liberalism's relationship to republicanism, the American liberal tradition, equal freedom, defensive liberalism after 2016, neoliberalism, Cold War liberalism, socialism, racial hierarchy, labor power, democratic crisis, and whether liberalism can still offer a politics of freedom and equality. Be sure to grab a copy of Alex's book Freedom for All: What a Liberal Society Could Be. Don't miss our livestream this Wednesday, May 6, at 8 pm ET on our YouTube channel. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if every dollar you're already spending in your business could turn into first class flights and bucket list family trips, without touching after-tax money? I sat down with Eli Facenda on The Happy Hustle Podcast, and this one hit different. Eli is the founder of Freedom Travel Systems, known online as "The Travel Guy." He's helped over 1,000 entrepreneurs turn everyday business expenses into 50K+ dream trips and first-class experiences, all through credit card points. The guy once booked a $6,000 business class flight for $6. That moment changed his life, and this episode might change how you think about yours. Eli breaks down the three buckets of the points game: earning the right type of points (flexible bank points from Amex, Chase, or Capital One beat airline cards almost every time), optimizing your travel perks, and actually redeeming points at full value instead of leaving 80% on the table. He also covers how to put payroll, rent, and supplier payments on a card using third-party tools, earning massive points on expenses you never thought could count. Then there's the Freedom Flywheel. Business grows, spending increases, points stack up, and you fund tax-free family vacations without pulling cash from your company. And yes, points from business cards are coded as a rebate, so they're completely tax free. Eli also shares his Five P's Framework for turning any trip into a real core memory: People, Place, Purpose, Possibility, and Presence. It's the difference between a nice vacation and one you'll talk about for the rest of your life. For practical folks, he covers what to avoid, including credit score myths, why you only need two to five cards (not thirty), and how being flexible by even two or three days can save you millions of points on a booking. He's offering two free playbooks for the Happy Hustle community: the CEO Points Playbook and the Payroll on a Credit Card Playbook. Grab both at https://freedomtravelsystems.com/. Listen to the full episode at https://caryjack.com/podcast. What does Happy Hustlin' mean to you? Happy Hustle to me means you're building a business that gives you energy instead of takes it. You're doing it with people you love. You believe in what you do and you're getting to live a great life while you do it. Connect with Elihttps://www.facebook.com/eli.facendahttps://www.instagram.com/elitravelguy/https://www.linkedin.com/in/eli-facenda/https://www.youtube.com/@elifacenda Find Eli on this website: https://freedomtravelsystems.com/ Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a copy of his new book, https://www.thehappyhustle.com/book Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/ Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/ “It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!” Episode Sponsors: If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all night If you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF. =================================================================== My Green Mattress If you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress. It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night. 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A SPECIAL MESSAGE FROM STEPHANIE:I want to share a special invitation with you. You may have heard that I will be releasing my first book with IVP on July 28, 2026. It's a big deal and I am so overwhelmed with God' goodness in allowing me to share such an essential message about delighting in Him as the true essential foundation for all our spiritual growth and maturing. Truly, when we delight in the Lord, He promises to give us the desires of our hearts – namely, more of Himself!So, here's the invitation. If you feel this message is indeed important, and you know people – including yourself perhaps – who need to be encouraged to awaken and cultivate their delight in God, would you consider joining my book launch team? It's a great and super easy way to share the good news of God's love for us in Christ, Jesus, our Lord.**If you're interested, please go to gospelspice.com/awakendelight and find the section about joining the launch team, or email me at contact@gospelspice.com **Together, let's encourage everyone we know with the wonderful news that, in Christ, God delights in us and invites us to delight in Him!Jennifer Tucker joins Stephanie Rousselle to share her journey with prayer, mental health, and the integration of body, soul, and spirit. Jenn Tucker's story, interwoven through her three books—Breath as Prayer, Present in Prayer, and Prayer in Motion—offers practical wisdom for deepening connection with God amid life's hardships.NOTE! We're giving away a full set of Jenn's 3 books (Breath as Prayer, Present in Prayer, and Prayer in Motion) as well as 2 copies of “Prayer in Motion”. To enter, it's simple! Go to gospelspice.com/jenntucker and follow the simple prompt.Jenn begins by describing her upbringing in faith, where prayer was a checklist item—something to do in order to be a “good Christian”. When life became dark and difficult, this formulaic approach unraveled. Even with faithful churchgoing, parental duties, and ticking all the boxes, Jenn struggled with anxiety and depression, compounded by shame for feeling that way.She slowly discovered that faith is not about perfect performance or checking off tasks, but about honest, vulnerable communion with God. Freedom begins with releasing the guilt and shame attached to struggles with anxiety, fear, or broken expectations.When her daughter faced severe anxiety and panic attacks, Jenn  was forced to confront her own pain. The loss of control and the inability to “fix” things broke down years of self-sufficiency. Through “breath prayers”—simple, repeated prayers aligned with breathing—she found tethering to God possible even in crisis, when no other words would come. When you're overwhelmed, practice breath prayers or silent contemplation. Let your prayers be honest expressions of pain, confusion, and need. God's invitation is to commune with Him, not perform for Him.After enduring trauma and depression, Jenn discovered that both stillness and movement were vital for healing. He book Present in Prayer explores deep stillness and meditation on Scripture, fostering rootedness in God's presence.Yet, healing also required physical movement. Jenn learned to listen to her body, recognizing that gentle motion—walking, stretching—helped lift depression's weight, reconnecting her to hope. We are body, soul, and spirit. Movement can be prayerful—a way to invite God into every step, reminding us of His presence and goodness. Attending to your physical, emotional, and spiritual needs honors God's holistic design.Jenn details simple grounding practices using the senses for moments of anxiety or distress: naming things you can see, hear, touch, smell, and taste. These help anchor us in the present and open us to God's nearness. Even when bodies fail or senses are lost, God's presence remains, and hope is available—sometimes through pivoting to find new joys in brokenness. Use your senses to regain awareness of God's gifts, even in difficulty. Hunt for glimpses of goodness, fix your gaze on hope, and trust that your wholeness in Christ is not limited by present suffering.Jenn's journey teaches that prayer is communion, not performance; that movement and stillness are both sacred; and that hope is sustained by trusting God's presence through all circumstances. Every breath, every step, every struggle, and every joy can become a prayer—reminding us that God is with us, always.Remember! We're giving away a full set of Jenn's 3 books (Breath as Prayer, Present in Prayer, and Prayer in Motion) as well as 2 copies of “Prayer in Motion”. To enter, it's simple! Go to gospelspice.com/jenntucker and follow the simple prompt.MORE ABOUT “PRAYER IN MOTION”Move Your Body. Quiet Your Mind. Reconnect with God.What if prayer felt less like a routine and more like a rhythm—something that flows through all the moments of your day and movements of your body?In Prayer in Motion, author and artist Jennifer Tucker invites you to experience prayer in a fresh, embodied way—where movement becomes worship, and your physical self is embraced as part of your spiritual journey.With warmth and gentle wisdom, Jennifer offers a path to deeper peace, joy, and connection through simple practices that unite body and soul. You'll be encouraged to slow down, create sacred space, and engage in meaningful somatic movement—from stretching and breathing to dancing, drawing, and resting.Prayer in Motion offers:·         Thoughtful reflections on the biblical connection between body and spirit·         Helpful guides for creating daily prayer rhythms that keep you anchored to God as you move through your day·         Practical tools for mindful movement and embodied prayer·         Creative somatic exercises that promote rest, release, and restoration·         Encouragement to embrace your body as a beautiful, God-created giftWhether you're feeling disconnected, stressed, or just longing to experience God in a new way, Prayer in Motion gently leads you toward wholeness—helping you reclaim joy, deepen faith, and find peace one intentional movement at a time.Let this be your invitation to move with purpose, pray with presence, and worship God with your whole being.Support us on Gospel Spice, PayPal and Venmo!

In this episode, Autumn invites pastor and mother Elizabeth Demarest to share her wisdom on raising strong, faith-rooted children in today's chaotic world. Discover practical strategies from Proverbs 31 to foster wisdom, humility, and spiritual strength. Learn how to create a safe space for open communication, instill biblical principles, and model authenticity. This conversation offers vital reminders for moms to pursue God relentlessly and trust Him to guide their children's hearts. Perfect for those committed to raising resilient, Christ-centered families. Tune in for inspiration and empowerment. We wish all the moms out there a Happy Mother's Day!Bible ReferencesProverbs 31For more from Elizabeth DemarestWebsite: https://www.elizabethdemarest.com/Instagram: https://www.instagram.com/elizabethdemarest/Facebook: https://www.facebook.com/elizabeth.demarest.3/ORDER HOLY GHOSTED HERE! https://www.amazon.com/Holy-Ghosted-Teaches-Surviving-Spiritual/dp/1636415431 Links from the showBOOKS: www.autumnmiles.com/resourcesSPEAKING: www.autumnmiles.com/speakingMERCH: autumnmiles.square.siteIf you are interested in becoming a sponsor of the show, send us an email at hello@autumnmiles.comIf you have a suggestion for the ministry, a question for Autumn, a testimony to share, or other inquiry for the Autumn Miles Ministries, click here and fill out the form, or send us an email at hello@autumnmiles.com Join us on social media!Facebook: www.facebook.com/TheAutumnMiles/Instagram: www.instagram.com/autumnmiles/YouTube: https://www.youtube.com/@AutumnMilesClick here to join our weekly and monthly newsletters and get updates on our podcast and exclusive content!If you feel led to give to the Autumn Miles Ministries, click here to donate. Thank you for supporting Autumn Miles Ministries!

Are you "being bad" for eating cake or looking for "guilt-free" foods? In this eye-opening episode, Heather Creekmore uncovers how modern diet culture has borrowed religious language—like sin, guilt, and temptation—and transformed eating into a moral battleground. Discover why labels like "clean eating" or "cheat days" aren't just diet lingo but clues to a whole alternate religion we unknowingly follow. You’ll walk away with a new perspective on the words and rules you’ve absorbed about food and body, and a biblically grounded reminder that God’s table is about grace, not judgment. Don’t miss this liberating conversation that will help you stop comparing and start living with joy and freedom at the dinner table. Join us as we: Break down the roots of food guilt and temptation language Examine what Scripture really says about food, pleasure, and purity Challenge the diet culture religion and reclaim the grace and freedom God intended Listen now—you’ll never hear the words "guilty pleasure" the same way again! This is part one of a brand new series looking at religious language we use around food, body, diets, and even fashion! References & Resources Books referenced: "Health, Money and Love, and Why We Don't Enjoy Them" by Robert Farrar Capon "Seculosity" by David Zahl The 40 Day Body Image WorkbookHeather Creekmore's book is discussed throughout the series. The next group journey starts Wednesday, June 3rd. More info at improvebodyimage.com. Notable Quotes "Diet culture is not just like a religion—it literally operates like one, complete with sin and temptation and confession and atonement and a promise of salvation if you can just get all the food and exercise rules right." (04:21) "The Bible says eat with gladness. God has already approved." (32:32) "Clean eating has borrowed its central metaphor, cleanliness, from a religious tradition that...the New Testament has moved on [from]." (27:32) Mentions of Other Episodes Upcoming in the Series: Episode 2: Analysis of religious language in diet programs such as Optavia and Gwen Shamblin's Weigh Down Workshop and their impact on true Christian faith. Episode 3: Discussion on forgiving fashion—why we talk about clothes as "forgiving" and unpacking this language. Connect & Learn More Join the 40-Day Journey or get more resources: improvebodyimage.com Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Danny and Derek welcome to the show Alex Zakaras, professor of political science at the University of Vermont, to talk about the history and future of radical liberalism. They discuss liberalism's relationship to republicanism, the American liberal tradition, equal freedom, defensive liberalism after 2016, neoliberalism, Cold War liberalism, socialism, racial hierarchy, labor power, democratic crisis, and whether liberalism can still offer a politics of freedom and equality.Be sure to grab a copy of Alex's book ⁠Freedom for All: What a Liberal Society Could Be⁠.Don't miss our livestream this Wednesday, May 6, at 8 pm ET on ⁠our YouTube channel⁠.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Host Jesse Jackson presents a B-side episode of Set Lusting Bruce featuring Neat, a Punjabi Thai Sikh independent recording artist and development psychology graduate student from Bangkok who moved to New York at 25. Neat describes growing up with Bollywood and religious music, discovering Western artists like Britney Spears and Eminem, and secretly writing lyrics that sparked her own songwriting; her father destroyed her rap cassettes, prompting her to graffiti her wall in protest. She explains how music “found” her repeatedly, including through her Thailand-based Freedom of Expression project empowering girls, and later after surviving years of domestic violence, coercive control, and a nine-year New York family-court custody battle she says ignored psychological abuse. Her song and video “Rise” recount and reenact these experiences, fueling advocacy and a Change.org petition. She discusses cultural-musical blending, upcoming singles and videos, and plans for an EP or album, and shares a message of resilience and seeking help. https://www.youtube.com/watch?v=S0NUUhrMHrQ ProtectChildrenNY – Child Protection Reform Initiative: https://www.change.org/ProtectChildrenNY Learn more about your ad choices. Visit megaphone.fm/adchoices

President Trump announcing the U.S. will be escorting commercial ships out of the Strait of Hormuz. The new initiative is called “Project Freedom,” with the President saying countries around the world asked the U.S. for help freeing ships that have been “locked up” despite being “neutral and innocent bystanders” in the conflict. Adm. Brad Cooper, CENTCOM commander, says the U.S. blockade is tightening around Iran, with nearly 50 vessels being redirected, dozens of ships being damaged by Iranian attacks, and about 20,000 sailors remain stuck in the region. FOX's John Saucier speaks with Jennifer Griffin, Chief National Security correspondent for FOX News Channel, who lays out the details of 'Project Freedom', and the latest state of the blockade. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. 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 Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   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  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

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— Allow yourself to grieve. Grief is a process that requires patience—with yourself, your emotions, and the journey ahead. It isn't something you can rush or resolve overnight because grief isn't about "getting over" your loss; it's about learning to live with it. It's about finding ways to incorporate the love and memories of your loved one into your life in a healthy and meaningful way. There will be moments when the waves of emotion hit unexpectedly— sometimes as a gentle ripple and other times as a crashing tide. Allow yourself to feel them. These emotions are a reflection of the depth of your love and the significance of the bond you shared. They're not something to push away or suppress but to honor as part of your healing. Be kind to yourself on this journey. Healing doesn't mean forgetting, and moving forward doesn't mean leaving your loved one behind. Instead, it's about carrying them with you differently—as part of who you are, as inspiration, and as a source of love that continues to shape your life. Valeria interviews Marcia Earhart  — She is the author of  "Gripping Grace in the Garden of Grief: A Place for the Heart." Marcia Earhart is the founder of the Sterling Rose Sanctuary, life coach, grief, brain, and trauma specialist, HeartSync minister, mediator, author and speaker.  Marcia's story is one of unimaginable loss, unshakable faith, and undeniable resilience. After enduring the deaths of two sons—one to sudden tragedy and another to murder— losing life as she knew it-she has allowed God to transform her pain into a lifeline for others. Her book, Gripping Grace in the Garden of Grief: A Place for the Heart, is a raw, powerful testament to surviving the darkest valleys and finding hope on the other side. Her determined faith, unshakable hope, and belief in the healing power of the Lord gave her the ability to fight for her family through prayer and practical decision-making. Marcia's story isn't just about survival—it's about learning how to breathe again after life knocks the wind out of you. Marcia will tell you the losses she had early on in life prepared her for the losses she has continued to experience. But instead of letting grief consume her, she learned—through the quiet strength of her parents—how to live with sorrow without being crushed by it. Today, she doesn't just carry that wisdom for herself; she offers it to others as a certified Grief, Trauma, Brain, and Mental Health Responder and Coach. She is also a Mediator, HeartSync Minister, Author, and Speaker. Her work is deeply personal. Her ministry is boots on the ground for those suffering with mental health due to trauma, loss, and grief. She works with survivors of sexual ritual abuse, addiction, those haunted by suicidal thoughts, and anyone drowning in the weight of depression or anxiety—not as a distant expert, but as someone who's felt fractures in her bones. What sets her apart isn't just her training, but her lived truth: Healing isn't about erasing pain. It's about learning how to live alongside it, tenderly and without shame. To learn more about Marcia Earhart and her work, please visit: https://www.thesterlingrosesanctuary.us/

The post “If Joseph wasn’t Jesus’ father, how was Jesus in the line of David?” appeared first on Key Life.

Set the context for a joyful, exuberant day with a short, powerful message from Sadhguru. Explore a range of subjects with Sadhguru, discover how every aspect of life can be a stepping stone, and learn to make the most of the potential that a human being embodies.  Conscious Planet: ⁠⁠⁠https://www.consciousplanet.org⁠⁠⁠ Sadhguru App (Download): ⁠⁠⁠https://onelink.to/sadhguru__app⁠⁠⁠ Official Sadhguru Website: ⁠⁠⁠https://isha.sadhguru.org⁠⁠⁠ Sadhguru Exclusive: ⁠⁠⁠https://isha.sadhguru.org/in/en/sadhguru-exclusive⁠⁠⁠ Inner Engineering Link: isha.co/ieo-podcast Yogi, mystic and visionary, Sadhguru is a spiritual master with a difference. An arresting blend of profundity and pragmatism, his life and work serves as a reminder that yoga is a contemporary science, vitally relevant to our times. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people will never see what really happens behind closed doors inside a place like Ridglan Farms. Scotty Gilbertson did. Scotty is an undercover whistleblower who went inside the beagle breeding facility and witnessed cruelty most people could not imagine. He saw the cages. He saw the suffering. He bonded with the dogs. And instead of walking away, he exposed the truth. In this episode of Food Heals, Allison Melody is joined by co-host Ella Magers for an emotional conversation with Scotty Gilbertson, whose undercover footage and testimony helped ignite the movement to free the Ridglan Farms beagles. And the timing could not be more unbelievable. Minutes before this interview, the breaking news came in: the beagles are being released from Ridglan Farms. This is a massive full circle moment for Scotty. He has been exposing Ridglan, fighting for these dogs, and helping lead this rescue mission for years. He is the reason so many people finally saw what was happening behind those walls. For Allison and Ella, this news is also deeply personal. They were on the ground at Ridglan with Scotty. All three were tear-gassed. All three witnessed peaceful rescuers being met with violence. And all three refused to give up on the dogs still trapped inside. This episode captures the shock, the tears, the celebration, and the reality of what it took to get here. Scotty shares what he saw undercover, why he could not stay silent, and what it means to finally hear that the dogs he fought for may get the chance to feel the sun, touch the grass, and know love. This is a story about courage, whistleblowing, public pressure, animal rescue, and the power of people who refuse to look away. Because these beagles were never just part of a case. They were never just footage, headlines, or numbers. They are living, breathing souls who deserve the sun on their faces, grass beneath their paws, and a family to finally call their own. Follow: ⁠Scotty Gilberston: @scotty_gilby⁠ ⁠Ella Magers: @sexyfitvegan⁠ ⁠Allison Melody: @allisonmelodytv⁠ Links: Save the Dogs:https://www.savethedogs.io Born on Death Row documentary:https://www.bornondeathrow.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The Classic Learning Test is disrupting the standardized testing status quo. Michael Torres, CLT's Director of Legislative Strategy, explains how this fast-growing exam is quietly challenging the SAT/ACT duopoly, offering a rigorous alternative with longer reading passages, no-calculator math, and a focus on true college readiness. He traces CLT's 10-year rise from a niche option […]

View This Week's Show NotesStart Your 7-Day Trial to Mobility CoachJoin Our Free Weekly Newsletter: The AmbushIn this episode, David Epstein explores a powerful idea: constraints don't limit us – they make us better.Drawing from his book Inside the Box, he explains why too much freedom often leads to overwhelm, indecision, and worse outcomes. Whether it's creativity, productivity, or everyday decisions, we perform better when we narrow the field and work within clear boundaries.Through stories – from failed tech startups with too many ideas to elite performers who thrive under restrictions – he shows how constraints help us prioritize, think differently, and follow through. Even creativity, he argues, doesn't come from endless freedom, but from being boxed in just enough to spark better solutions.If you've ever felt stuck, scattered, or overloaded with choices, this episode offers a simple reframe: you don't need more options – just better constraints.What You'll Learn in This EpisodeHow constraints improve creativity, focus, and performanceWhy too much choice leads to overwhelm and worse decisionsWhy creativity thrives with fewer optionsHow distractions are training your brain to lose focusWhy doing less often leads to better resultsKey Highlights: (0:00) Intro – Constraints, Overwhelm, and Why This Matters(3:37) Meet David Epstein(6:19) From Range to Constraints(8:18) The Dizziness of Freedom(12:05) The Creativity Myth(14:04) The Green Eggs and Ham Effect(16:32) Constraints-Led Approach Skill Learning(19:38) Futsal & Constraints in Sport(21:16) The General Magic Story(32:53) HARKing in Science(51:51) Think Slow, Act Fast(55:57) Creativity vs. Originality(1:00:26) Constraints in Parenting(1:10:19) Commitment Devices(1:16:06) Make Your Commitments Visible(1:16:52) Reclaiming Your Attention(1:21:49) Book Recommendation & ClosingHuge thanks to our sponsors, LMNT, Momentous, Vitality, and Kreatures of Habit

The post Nothing lasts forever. Well, on thing. appeared first on Key Life.

Send us Fan MailDr. Edith Eger: Holocaust Survivor on Choice, Freedom, and Healing From the Inside OutIn this episode of From The Inside Out with Rivkah Krinsky & Eda Schottenstein, we're re-releasing an early, cherished interview after Dr. Edith Eger's death, honoring the Auschwitz survivor, psychoanalyst, and author of The Choice, who taught that while we can't control circumstances, we can choose our response. Eger recounts liberation after being left for dead, the loss of her parents and first love, guilt about her mother's death, and how returning to Auschwitz helped her forgive herself. She discusses Viktor Frankl's influence, finding purpose, sharing rather than hoarding, and distinguishing distress from stress. Eger offers guidance on self-love as self-care, expression as an antidote to depression, revisiting trauma, responding instead of reacting, compassionate listening with children, and building relationships through responsibility, growth, and hope, insisting hate keeps us imprisoned and that love is shown through actions.00:00 Tribute to Edith02:11 Meeting Edith Again02:30 Liberation and Legacy03:53 Frankl and Purpose05:19 Dancing to Survive05:54 First Love Lost07:27 Rescued from Death08:10 Joy and Growth Mindset11:35 Guilt and Forgiveness12:17 Faith and Sharing Bread14:57 Have Tos and Hope17:30 New Books and Recipes19:24 Wisdom and Self Love21:02 Secrets and Expression21:46 Kind Words Only22:48 Choices After Trauma23:40 Speak Your Truth24:55 Evolving Beyond Fear27:08 Mind Freedom in Auschwitz29:57 Forgiveness and Freedom31:06 Validate Feelings at Home34:45 Marriage Lessons Twice37:41 Respond Don't React39:45 Legacy and Final YesesCOMMUNITYJoin the Community! Connect with us on socials to discuss Episode 101, share insights, and continue the conversations you want to have:

Arman Tsarukyan reveals he's the official backup for the UFC White House main event at Freedom 250 and says if Gaethje or Topuria pull out, he's 100% in, promising he'd give the fans an even better title fight if he's the one who walks out in DC.

As the dogwoods begin to bloom here in Nashville, Gabe and Rebekah are leaning into a conversation that sits at the very heart of our emotional and spiritual health. In this episode, they sit down with their friend and author Jennifer Barnett, Executive Director of Freedom Prayer. Jennifer shares her raw and beautiful journey—from her days as a college student battling intense anxiety and fear to now stewarding a global ministry focused on inner healing and restoration. Together, they dive into why prayer is a vital rhythm of discipleship that allows us to disclose our hearts to the Father and find the freedom we were made for. Whether you are navigating unholy lines in your family history or looking to build a more intentional prayer culture in your home and church, this conversation offers a practical roadmap for finding peace in the midst of spiritual warfare. In this episode, you'll hear: The Origin of Freedom Prayer: How an engineer's mind gave structure to a model for inner healing and spiritual formation. Breaking the Grip of Fear: Jennifer's personal story of moving from spiritual torment to the expectant peace found in Christ. Identifying the Hindrances: How to recognize the blocks and entanglements that keep us from a mature relationship with God. Prayer as Discipleship: Why the next generation is rediscovering the power of the spiritual realm in an increasingly dark culture. Building a Team: How your local church and community can be equipped to support couples walking through seasons of crisis. Resources: Buy Jennifer's book: First Freedoms Freedom Prayer website: https://freedomprayer.org/ Get The Fight for Us book and curriculum: The Fight For Us Join us November 19-20 for our Emotional Health Retreat in Franklin, TN. Register now and save $200 when you use the code EH200. https://www.rebekahlyons.com/ehretreat Take the THINQ Assessment: https://www.thinqassessment.scoreapp.com/ Create a free THINQ Account: Access more trusted content at thinqmedia.com

Confession! It's a word that conjures up many images—some not so positive!  Confession isn't telling God what he doesn't know. ...

Join us this hour as we get an insider’s perspective on the ongoing war in Iran. What is the current status? Will the ceasefire continue? What is happening with the Strait of Hormuz? Then, a new film is coming to a theatre near you that raises the question of how the universe began. Learn why so many leading scientists now believe there is so much order and purpose in the world around us that there must be a “Divine Designer”. Don’t miss a great conversation.Become a Parshall Partner: http://moodyradio.org/donateto/inthemarket/partnersSee omnystudio.com/listener for privacy information.

In a world full of noise and busyness, learning to be still before the Lord can feel difficult. Joanne Bell from our Storytellers Live community in Jackson, Mississippi, shares how God taught her the discipline of listening for His voice through seasons of deep hardship, from walking through a divorce to experiencing homelessness with her four children. Joanne's story is a powerful reminder that when we slow down, open God's Word, and walk in obedience, the Lord faithfully guides and sustains us.   VERSE OF THE WEEK: If my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then I will hear from heaven, and I will forgive their sin and will heal their land. 2 Chronicles 7:14   CHALLENGE OF THE WEEK: Practice being still before God and listen for His peace.  _________________________________________________________________   Listen to "Testimony" by Terrian    Listen to a similar story: Episode 134- Keisha Reeves: "The Love That Saved Me"   Download a phone background of the weekly verse HERE!   Give to StoryTellers Live in honor of Joanne   Join us "In the Room" on Patreon to access new stories straight from our live gatherings around the country!   Shop for our When God Shows Up Bible Study series~ Stories of Hope, Stories of Freedom, Stories of Faith Are you interested in one-on-one coaching with our very own Robyn Kown!?  Click HERE!   Check out all of our live speaking engagement opportunities on our website.   Sign up to receive StoryTellers Live's weekly newsletter for upcoming events, new podcast episodes, details on our live gatherings happening around the country, and much more!! FOLLOW US on Instagram and Facebook!

Looking 4 Healing Radio with Monk Coleman – Sherm finds himself in a new and unfamiliar chapter. Without the structure of work or the daily demands of raising a family, he is turning inward, asking deeper questions about purpose, fulfillment, and what it truly means to live a meaningful life. In this episode, he speaks openly about the transition from doing to being, and the courage it takes to...

Penguin hates the word "bro" :: Is Ian autistic? :: Public school made Bonnie bad at math :: FreeIanNow.org :: Fidelity Investments lost a woman's savings, Bitcoin fixes this :: Social media forcing ID verification in the UK, it's coming here :: "For the children" :: AI already helping people in Australia to bypass the ID verification :: It's not immoral to lie to the police :: DARE caused more drug use but put money in police pockets :: School district in California sending kids "of color" to enriching programs but not white kids on every tax payer's dime :: Chris calls Bonnie racist but she's not, just making a point :: Does LPNH or anyone else represent you? :: 2026-04-26 :: Hosts: Bonnie, Penguin, Rich E Rich

In this episode of Pediatric Perspectives, I'm joined by Liz Mumper, M.D. — a pediatrician with 45 years of clinical experience, founder of the Rimland Center for Integrative Medicine, and a leading trainer of clinicians who work with children with special needs through MAPS Medical Academy and Pediatric Special Needs. Dr. Mumper is also the author of Kids and COVID: Costly Mistakes That Must Never Happen Again. She is one of the physicians I most respect in this field, and this conversation is one I've wanted to have for a long time.

From the Bronx to 17 years of boots-on-the-ground relationships across Latin America, Stephanie Pimentel shares the workforce governance, cultural alignment, and regulatory pitfalls that quietly cost U.S. companies millions in cross-border deals, and the proprietary audit system she built to catch them before capital is deployed. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with Stephanie Pimentel, founder and CEO of Lumena Global Advisory, a boutique firm specializing in Latin American market entry, cross-border workforce strategy, and expansion risk management. With an executive background in multinational operations and human capital leadership, she has advised U.S. companies, private equity groups, and growth-stage founders on structuring compliant, scalable operations across Mexico, Colombia, Brazil, and beyond. WHAT YOU'LL LEARN: Why treating Latin America as a single market is one of the most expensive assumptions a company can make. How workforce governance and cultural misalignment destroy deal value after close. Why standard due diligence falls short for cross-border transactions. How a single misclassified hire in Brazil can trigger a $250,000 government charge per employee. Why an employer of record is a testing tool, not a long-term strategy. And how to assess whether your leadership team is actually ready to execute across borders. STEPHANIE'S JOURNEY: Stephanie grew up in the Bronx and started her career as an HR coordinator at $11.75 an hour in New York. She moved into telecommunications, then logistics, where work with ports pulled her into cross-border trade. Over the next 17 years she built direct relationships across Latin America at every level, sitting down with CEOs and spending time with people running daily operations on the ground. That range of experience, combined with degrees in human resource management and forensic psychology, shaped a perspective most advisors in the space do not have. KEY INSIGHTS: Latin America is not one market. Legal structures for hiring differ dramatically between Mexico, Brazil, Chile, and Argentina, and applying a uniform approach creates compliance gaps before operations even begin. Culture is an operational variable. As Stephanie puts it, "Culture is how decisions get made when no one's watching." Cultural friction begins while the ink is still wet, drives up turnover, and burns capital before it shows on any spreadsheet. Brazil's hiring penalties are severe. A misclassified hire triggers government fees of $250,000 per employee, including mandatory benefits like a lunch stipend that do not exist in the U.S. framework. Standard due diligence is not enough. Latin America requires what Stephanie calls "due diligence on the due diligence." Domestic processes do not surface what matters in each specific country, and that gap closes only after the deal is signed. Expansion readiness has four components: financial strength, operating system robustness, compliance maturity, and leadership team readiness. Strong financials without a prepared leadership team are not enough. Smaller companies can and should expand internationally. Stabilize domestic revenue first, document your operating model, and expand in layers rather than leaps. Perfect for business owners considering Latin American expansion, operators managing post-acquisition integration across borders, and advisors working on international transactions. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/stephaniepimentel FOR MORE ON STEPHANIE PIMENTEL: Website: https://lumenaglobal.com LinkedIn: https://www.linkedin.com/company/lumena-global FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps: [00:02:28] - Introduction: Stephanie Pimentel's credentials and Lumena Global Advisory [00:09:04] - Case study: post-close, the operation is bleeding cash and the workforce is misaligned[00:10:59] - The five-pillar, 40-question proprietary audit system that grades expansion readiness [00:15:51] - Culture as an operational variable: why it burns capital before it shows on any spreadsheet[00:27:30] - Due diligence on the due diligence, vetting intermediaries, and building a compliant foundation[00:36:55] - The four components of expansion readiness and what makes a leadership team actually ready[00:44:14] - Freedom: earning the real seat at the table Guest Bio: Stephanie Pimentel is the founder and CEO of Lumena Global Advisory, advising U.S. companies, private equity groups, and growth-stage founders on compliant, scalable expansion across Latin America. A Dominican-American executive with degrees in human resource management and forensic psychology, she brings 17 years of on-the-ground relationships and compliance expertise to cross-border transactions across Mexico, Colombia, Brazil, and beyond. Related Episodes: Episode 324 - Sejal Lakhani-Bhatt: Cybersecurity and Technology Due Diligence in M&A: Learn how overlooked technical and compliance gaps can create major liability in transactions, and what buyers and sellers need to assess before close. Episode 350 - Tom Dillon: Business Valuation and the Realities of Exit Planning: Explore how operational health and structural preparation directly shape what a company is worth when it goes to market. Episode 329 - Cliff Nonnenmacher: Structuring Deals and Managing Complexity in Transactions: Understand how experienced deal practitioners approach structural challenges that arise when moving deals across complex environments. Keywords/Tags: Latin America expansion, cross-border deals, workforce governance, international M&A, expansion due diligence, market entry Latin America, cross-border workforce strategy, cultural alignment international business, employer of record, post-acquisition integration, compliance Latin America, deal due diligence international, Brazil hiring compliance, Mexico Colombia Brazil expansion, Latin America operational risk, expansion readiness, cross-border transactions, international deal strategy, workforce compliance, Lumena Global Advisory

The post Our family heritage is nothing less than amazing. appeared first on Key Life.

In this powerful episode, we explore what it truly means to let go of control and how surrendering the need to force outcomes can open the door to manifestation, personal growth, emotional healing, and real freedom. So many of us hold tightly to old patterns, limiting beliefs, fear, and the illusion of control without realizing that this grip is exactly what blocks the life we want to create. You'll learn why releasing control is not giving up, but stepping into trust, alignment, and flow. We talk about how overthinking, perfectionism, people-pleasing, and fear of the unknown keep you stuck—and how letting go can shift your mindset, raise your vibration, and invite new opportunities into your life. In this episode, you'll discover: • Why the need to control everything creates stress, anxiety, and resistance • The connection between surrender and manifestation • How to release fear, doubt, and limiting beliefs • Practical mindset shifts to help you trust the process • How letting go creates space for abundance, clarity, and freedom • Why your next chapter begins the moment you stop forcing and start allowing If you're ready to stop gripping, start trusting, and step into a life that feels lighter, freer, and more aligned, this episode is for you. Take a deep breath, release what you can't control, and get ready to grow

This episode is presented by Create A Video – A former federal health official is facing indictment for concealing COVID-related documents requested under the Freedom of Information Act. Plus, former FBI Director James Comey got indicted for his social media post that some interpreted as a threat against President Donald Trump.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-kaliner-show--6946691/support.Subscribe to the podcast All the links to Pete's Prep are free!Get exclusive content here!Media Bias Check: GroundNews promo code!Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com  

Content warning: This episode contains discussion of sexual violence. NK News Data Correspondent Anton Sokolin kicks off the podcast this week by discussing the long-running debate over the transfer of wartime operational control, or OPCON, from the U.S. to South Korea, following comments made by U.S. Forces Korea Commander Gen. Xavier Brunson. He also examines growing Russia-North Korea cooperation, including a new “friendship hospital” project near the Wonsan-Kalma resort, and what it may signal about the durability of their ties beyond the war in Ukraine. In the second half of this podcast, North Korean refugee and author Eunhee Park discusses her new memoir “The Courage To Die: A North Korean Woman's Escape and Rebirth in Freedom,” which recounts her childhood in Wonsan, years living in a North Korean orphanage and her eventual escape to South Korea by way of China. She also discusses the challenges of resettling in South Korea, including facing discrimination, loneliness and the burden of adapting to a free society, as well as how writing her memoir helped her process the trauma and reclaim her identity. Eunhee Park is a North Korean refugee, public speaker and author. Her work shares a clear, first-person account of childhood in the North, escape and rebuilding a life abroad.  About the podcast: The North Korea News Podcast is a weekly podcast hosted by Jacco Zwetsloot exclusively for NK News, covering all things DPRK — from news to extended interviews with leading experts and analysts in the field, along with insight from our very own journalists.

Freedom in Christ is available to everyone—but not everyone experiences it. Dr. Tony Evans explains why and shows how to step into the freedom God offers.

What if the fun was never actually in the drink? What is the best way to stop associating fun with alcohol? Zion called alcohol the "jewelry" of life, the thing that made every moment glitter, and spent years believing that celebrations, friendships, and good food just needed a cocktail to feel complete. Audra built her whole identity around being the bold one who drank scotch and bourbon and never said no to a good time. Now both are exploring living alcohol-free and finding the fun in that. Coaches Cole and Zoe are right there with them. Zion discusses: Why alcohol became the “jewelry” on dinners, concerts, holidays, & friendships The wake-up call of planning a great night & not remembering any of it How people-pleasing & fear of “rocking the boat” kept drinking tied to fun What trivia night & Thanksgiving taught him about being alcohol-free in real life Why awkward moments do not have to mean something is wrong What is the best way to stop associating fun with alcohol? For Zion, it starts with curiosity, patience, & new evidence And more topics... Audra discusses: How going out, pub culture, quiz nights, & routine made alcohol feel like part of the experience When drinking alone started to feel easier than connection The mental exhaustion of hiding, planning, & calculating every drink Why she was shocked to feel freer on her break than she expected Passing on favorite champagne, staying present, & waking up proud What is the best way to stop associating fun with alcohol? Audra explores that through curiosity, ACT work, & learning to feel instead of escape And more... Cole Harvey is a certified Naked Mind Senior Coach. For years, he felt lost and used alcohol as a way to cope, until he decided to go alcohol-free and focus on finding his purpose. Through curiosity, self-compassion, and adventure, he transformed his life. As a habit change and mindset coach, Cole helps young men understand themselves, build better habits, and find meaning. Learn more about Coach Cole: https://thisnakedmind.com/coach/cole-harvey/ Zoe Ewart is a Certified Naked Mind Senior Coach who brings her experience and understanding to help with the tricky parts of life's big changes. Her coaching gives you an enjoyable, light-hearted, and safe environment to effortlessly take back control of alcohol so you can feel better physically, mentally, and spiritually. She has four adult children and more animals than the Ark ever had. Learn more about Coach Zoe: https://thisnakedmind.com/coach/zoe-ewart/ Episode links: nakedmindpath.com Related Episodes: Why do we desire alcohol for celebration? | Reader Question | EP 266 - https://thisnakedmind.com/ep-266-reader-question-why-do-we-desire-alcohol-for-celebration/  How To Have Fun Without Drinking | Reader Question | EP 362 - https://thisnakedmind.com/ep-362-reader-question-will-i-ever-have-fun-without-drinking-alcohol/ Why You Know Better But Still Drink | Alcohol Freedom Coaching | EP869 - https://thisnakedmind.com/tips-to-stop-using-alcohol-to-avoid-feelings-afc-e869/ Ready to take the next step on your journey? Visit https://learn.thisnakedmind.com/podcast-resources for free resources, programs, and more. Until next week, stay curious!

In part two of this deep dive into the two million dollar dead owner playbook, Brent Daniels and Eugene Latson continue to unpack the granular details of closing massive probate and tax delinquent deals. Eugene pulls back the curtain on the actual overhead costs of running a sniper operation and explains why paying your attorneys upfront is the ultimate cheat code to getting your deals closed faster.From utilizing Freedom of Information Act requests to bypass expensive software, to properly executing an assignment of interest to cut out feuding heirs, this episode is a masterclass in high-level real estate problem solving. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:00) Breaking down the true overhead costs of running a tax delinquent sniper operation(2:55) Why paying your probate attorneys upfront guarantees priority treatment and faster closings(6:16) How working with experienced attorneys acts as the ultimate local real estate education(10:55) Eugene's strict requirements for doing joint venture deals with other wholesalers(13:33) What to expect during a one on one consultation call with Eugene(18:48) When to utilize an assignment of interest to bypass feuding family members(19:37) The exact steps to ensure your assignment of interest is legally binding and secure(26:46) A recap of the three tiers of distressed properties(30:29) How to submit a FOIA request to get tax delinquent lists from the county for free(31:34) Why pulling lists directly from the county is superior to using paid real estate software during your hustle season(35:19) The massive financial wins happening right now inside the Rhino Tribe virtual office----------Resources:Skip GeniePropWirePropStreamTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

On July 5, 1852, Frederick Douglass stood before the Rochester Ladies' Anti-Slavery Society and asked one of the most searing questions in American history: "What, to the slave, is the Fourth of July?" To answer Douglass's question, we have to go back to the Revolution itself; to the choices Black Americans made in wartime, to the ways they read, used, and interrogated the Declaration of Independence, and to the alternative celebrations they created when the Fourth of July felt like someone else's holiday. Historians Christopher Bonner and Martha S. Jones help us explore what the Fourth of July meant for African Americans in the late eighteenth and early nineteenth centuries, and how their experiences with the Fourth contributed to the larger history of the nation's founding. Christopher's Website | Book Martha's Website | BookShow Notes: https://www.benfranklinsworld.com/277 RECOMMENDED NEXT EPISODES

It's fine to look out for number one—as long as we understand who number one really is. Dr. Tony Evans explains how freedom in Christ leads us to serve others instead of ourselves.

It was a dark world…and Marcus Aurelius desperately needed some light.LAST CHANCE | Your ticket to the live Q&A with Ryan Holiday