Podcasts about Buffalo

The Battle of the Little Bighorn - also known as the Battle of the Greasy Grass - was one of the most dramatic and important clashes in American history. In June 1876, on the rolling plains of Montana, Colonel George Armstrong Custer and the 7th Cavalry charged into a vast encampment of Lakota and other tribes — and were utterly destroyed by the superior native forces who fought to defend their sacred lands from the encroaching United States.In this episode, Dan is joined by former National Parks historian Paul Hedren to explore how this battle came to define the struggle between the U.S. government and the Plains tribes, what led to Custer's fatal mistake, and how the Lakota, Cheyenne, and Arapaho achieved a stunning, if fleeting, victory.Paul's new book is called 'Sitting Bull's War: The Battle of the Little Bighorn and the Fight for Buffalo and Freedom'.The terminology to use when exploring and discussing Indigenous and native peoples, history, and culture is sensitive and complex. You can find out more on language use here: https://americanindian.si.edu/nk360/informational/impact-words-tipsProduced by Mariana Des Forges and edited by Dougal Patmore.Sign up to History Hit for hundreds of hours of original documentaries, with a new release every week and ad-free podcasts. Sign up at https://www.historyhit.com/subscribe.We'd love to hear your feedback - you can take part in our podcast survey here: https://insights.historyhit.com/history-hit-podcast-always-on.You can also email the podcast directly at ds.hh@historyhit.com. Hosted on Acast. See acast.com/privacy for more information.

Munaf Manji, Dave Essler and Mackenzie Rivers talk NFL contest betting for Week 14. Munaf Manji opens the NFL Week 14 Contest Podcast with Mackenzie Rivers and Uncle Dave Essler, noting the chaos of Thanksgiving week and that only 45 entries remain in Circa Survivor after a massive 851-entry wipeout. They break down how all three Thanksgiving favorites lost, how Chicago upset Philadelphia on Black Friday, and how the Rams' loss to Carolina knocked out four more on Sunday. Mackenzie and Dan were eliminated in Survivor, and Mack jokingly laments missing Fezzik's hindsight advice to take the Bears as a big dog. They review key picks for Week 14. Uncle Dave takes the Jaguars over the Colts, arguing Indy has been propped up by an easy schedule while Jacksonville, despite inconsistencies, is healthier and stronger at home. Munaf adds that Daniel Jones' injury limits the Colts' offense and expects Jacksonville to load the box against Jonathan Taylor. Mack sees the matchup as close but leans Jags due to historical Colts struggles in Jacksonville. Mack's best bet is the Bills over the Bengals, noting the line is similar to their January 2023 playoff meeting despite Cincinnati being far weaker now and Buffalo's elite rushing matchup against a poor Bengals rush defense. Munaf expects Buffalo to score 30+ and exploit Cincinnati's offensive-line issues even with Joe Burrow healthy. Dave agrees the Bengals' defense is too weak to justify market respect. Munaf's pick is the Ravens over the Steelers, citing Baltimore's bounce-back spot, Derrick Henry's matchup edge, Pittsburgh's struggling offense, and poor wide-receiver chemistry with Aaron Rodgers. Dave supports it, noting Pittsburgh's run-defense collapse vs Buffalo and internal frustration around Rodgers calling out teammates. Mack acknowledges Tomlin-as-dog trends but still leans Ravens due to matchup disadvantages. They discuss whether Tomlin's 19-season winning-record streak will finally end, reviewing a brutal remaining Steelers schedule (Ravens, Dolphins, Lions, Browns, Ravens again) and concluding an 8-9 finish is likely. In Survivor talk, Uncle Dave would use the Eagles over the Chargers despite Philly's recent losses, arguing the Chargers' résumé is weak and Harbaugh may not be the NFL fit people expect. Mack's mapped-out Survivor plan had Tampa Bay beating the Saints this week and still believes the Bucs are the right side with New Orleans showing no incentive to win. Munaf also likes the Bucs and adds the Rams as strong options vs a fading Cardinals team giving up 27+ points in four straight games. They close the episode with gratitude, reflecting on the season, encouraging listener feedback for future shows, and reminding everyone to follow their Survivor coverage and other Pregame podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Buffalo Bills offensive lineman Alec Anderson returns to Centered on Buffalo for a raw, detailed conversation about stepping in at right tackle, battling TJ Watt, handling the Steelers' chippy energy, and the mindset behind one of the Bills' most physical performances of the season.Eric and Alec get into everything from O-line technique and Kromer's coaching influence to chipping strategies, cadence tricks, Josh Allen's trash-talk legend, and what really went down in the back-and-forth between Josh and Cam Heyward. Plus—rookie dinners, smelling salts, favorite Buffalo wing spots, and rapid-fire questions powered by Dan-O's.Brought to you by DraftKingsThe Centered on Buffalo Podcast is sponsored by:Waterboy Recover properly with @waterboy www.waterboy.com Dan-O's Seasoning Follow Dan-O's Seasoning on Social @danosseasoning  https://danosseasoning.com/product/eric-woods-bundle/  15% off code: ewoodNugsax Reusable Icenugsax.com10% Off CODE: buffalo

We just lowered the prices on all of our packages, and promo code 'GURU' gets you an extra 15% off to make a Fantasy Points Premium sub only $134 for the rest of the year. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com/plans#⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠/ Week 14 features one of the most critical fantasy matchups of the season. With four teams on bye, Matchup Points focuses on the matchups that truly matter. Detroit and Dallas lead the week with the highest totals, keeping Jared Goff as a viable QB1 even if Amon-Ra St. Brown is out. Conversely, Seattle and Atlanta show a decline due to Ken Walker's decreasing role and Drake London's injury, making both offenses less appealing outside of DK Metcalf. Cincinnati and Buffalo present highly playable environments, with James Cook and Dalton Kincaid poised to exploit the Bengals' defensive weaknesses, while Tee Higgins' health will determine if it turns into a shootout. The mid-slate games are more volatile, especially Tennessee vs. Cleveland, where inconsistent quarterback play and depth issues limit fantasy value. Jacksonville and Indianapolis are more promising, with Trevor Lawrence facing a soft zone defense and Travis Etienne expected to rebound. Late-slate matches are unpredictable; Austin Ekeler and Gerald Everett face tough coverage from Philadelphia, while Joe Burrow's return boosts all Bengals and suggests a YAC-focused approach for Buffalo, benefiting Khalil Shakir. The main takeaway: Week 14 is about analyzing matchups, avoiding fragile roles, and making decisive, playoff-oriented lineup decisions. Where to find us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http//twitter.com/Fantasy_Guru⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://twitter.com/Grahambarfield⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://twitter.com/BGWhitefield⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast Transcription Here: https://podsqueeze.com/embedded/transcript/978VYi5FVhHq7MFCqwMU8R Join our Discord here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com/media/discord#/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Listen to the podcast here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com/media/podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ #FantasyFootball #FantasyFootballAdvice #FantasyFootballTips #FantasyFootballRankings #FantasyFootball2025 #FantasyFootballDraft #FantasyFootballLeague #FantasyFootballStrategy #FantasyFootballPodcast #FantasyFootballContent #MustDraft #LeagueWinner #BreakoutPlayer #SleeperPick #FantasyBust #ADPRiser #TargetShare #HighUpside #VolumeMatters #TouchdownRegression Learn more about your ad choices. Visit megaphone.fm/adchoices

The State Of The Union of churches in 2025, bad Jesus interactions, Pastor load management, Going to online church, and pastors using AI… On the net, it's a positive. ----- JOKES FOR HUMANS TOUR: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://johncristcomedy.com/tour/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 12/5 - Phoenix, AZ 12/6 - Santa Rosa, CA 12/7 - Redding, CA 12/11 - South Bend, IN 12/12 - Munhall, PA 12/14 - Buffalo, NY 1/23 - Joliet, IL 1/24 - Effingham, IL 1/25 - Nashville, TN 2/20 - Springfield, MO 2/22 - Louisville, KY 2/26 - Ithaca, NY 2/27 - Reading, PA 2/28 - Glenside, PA 3/1 - New York, NY 3/20 - Jackson, MI 3/21 - Rockford, IL 3/22 - Cedar Rapids, IA 3/27 - Columbia, MO 3/28 - Fayetteville, AR 3/29 - Little Rock, AR 4/10 - Stockton, CA 4/11 - Anaheim, CA 4/12 - Thousand Oaks, CA 4/17 - Tucson, AZ 4/18 - Houston, TX 5/2 - Fort Worth, TX 5/3 - Amarillo, TX 5/14 - Wilmington, NC 5/15 - Evans, GA 5/16 - Durham, NC 5/29 - Jacksonville, FL 5/30 - Asheville, NC 5/31 - Columbia, SC 6/4 - Mobile, AL 6/5 - Florence, AL 6/6 - Duluth, GA ----- Catch the full video podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and follow us on social media (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@netpositivepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) for clips, bonus content, and updates throughout the week. ----- Email us at netpositive@johncristcomedy.com ----- FOLLOW JOHN ON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----- SUPPORT OUR SPONSORS AG1: Get a FREE gift with your first order at https://DrinkAG1.com/netpositive to get started with AG1's Next Gen and and notice the benefits for yourself. BLUELAND: Get 30% off your order by going to https://blueland.com/netpositive MIRACLE MADE: Save OVER 40% + 3 free towels with promo code NETPOSITIVE at https://trymiracle.com/NETPOSITIVE ----- PRODUCED BY: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alex Lagos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Easton Smith⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lagos Creative⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Paul is joined by Tyler Dunne of Go Long to take a deeper look at the state of the AFC and dynamics behind the Bengals matchup on Sunday against Buffalo. Watch and subscribe on YouTube: https://www.youtube.com/@TheGrowlerPodcastThe Growler on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-growler/id1733476604The Growler on Spotify: https://open.spotify.com/show/70iJjqgPQrVzQ2pdOwVvDYLinks to socials, Growl Pal shirts, YouTube, podcast platforms and more: www.thegrowlerpodcast.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Panel guests this week: Cory Morgan (columnist, Western Standard)  |  Chris Scott (activist, Alberta Prosperity Project) Today, we're looking at debate surrounding potential First Nations' vetoes of any new pipeline project following Alberta and Ottawa's signing of a memorandum of understanding that opens the door to new developments. Plus, alongside the agreement comes an industrial carbon tax hike, something Prime Minister Mark Carney has been boasting about. And finally, Premier Danielle Smith is backing Albertans' right to self-defence, with her governing United Conservative Party looking to roll out new legislation to protect those who defend their property from intruders. Special Guest: Lise Merle.

The Lord's warning to the priests becomes severe as He condemns them for despising His name and offering defiled sacrifices. Their unfaithfulness has corrupted the covenant of Levi. Malachi then addresses the people's faithlessness and their casual approach to divorce. God is "wearied" by their sin, and He promises to send His messenger to purify His people with a refiner's fire.  The Rev. Roger Mullet, pastor of Prince of Peace Lutheran Church in Buffalo, WY, joins the Rev. Dr. Phil Booe to study Malachi 2:1-3:5.  To learn more about Prince of Peace, visit princeofpeacebuffalo.org. This Advent series begins by covering the last Old Testament prophet, Malachi, and then spends twelve episodes alternating between Old Testament prophecy and New Testament fulfillment, tracing God's promises from Isaiah to the birth of Christ. The series explores Emmanuel's promise, the Davidic King, John the Baptist as forerunner, and reaches its climax with the Nativity. The final episodes examine the Suffering Servant, the shadow of the cross in Christ's infancy, Isaiah's Messianic mission statement, and John's declaration that "the Word became flesh."  Thy Strong Word, hosted by Rev. Dr. Phil Booe, pastor of St. John Lutheran Church of Luverne, MN, reveals the light of our salvation in Christ through study of God's Word, breaking our darkness with His redeeming light. Each weekday, two pastors fix our eyes on Jesus by considering Holy Scripture, verse by verse, in order to be strengthened in the Word and be equipped to faithfully serve in our daily vocations. Submit comments or questions to: thystrongword@kfuo.org.

Support the sponsors to support the show! Get up to $200 off Square hardware when you sign up at square.com/go/soder #squarepod https://squareup.com/us/en/campaign/audio This month, don't wait to reach out. Whether you're checking in on a friend, or reaching out to a therapist yourself, Betterhelp makes it easier to take that first step.Our listeners get 10% off their first month at BetterHelp.com/Soder https://www.betterhelp.com/get-started/?go=true&slug=soder&utm_source=podcast&utm_campaign=1378&utm_term=soder&promo_code=soder&landing_page_img=https%3A%2F%2Fd3ez4in977nymc.cloudfront.net%2Faffiliate_images%2Fc8f1e33eccfdd97908db536def2e7dbd2d9ae59240ff77c0f1ee89f46ed7f544.png&aff_channel=podcast&discount_rate=10&discount_period=P1M&date_interval=P1M&percentage_off=10&amount=1&amount_spelled_out=one&unit=month&gor=start Eat smart at FactorMeals.com/soder50off and use code soder50off to get 50% off your first box, plus Free Breakfast for 1 Year. That's code soder50off at FactorMealsdot com for 50% off your first box, plus Free Breakfast for 1 Year. Get delicious, ready-to-eat meals delivered—with Factor. *Offer only valid for new Factor customers with code and qualifying auto-renewing subscription purchase. https://www.factor75.com/pages/podcast?c=SODER50OFF&mealsize=1-8&utm_source=podcast&utm_medium=cpm&utm_campaign=podcast50off&discount_comm_id=ae97cdba-b315-4752-8023-6a6a77bae942&utm_content=act_podcast_podcastads   The Golden Retriever of Comedy Tour is coming to your city! Get tickets at https://www.dansoder.com/tour DEC 5 Vancouver, BC DEC 6 Eugene, OR DEC 13 Royal Oak, MI FEB 13 - Orlando,FL FEB 14 - Tampa,FL FEB 28 - Buffalo,NY March 6 - Boston March 7 - Philadelphia,PA March 19 Dallas,TX March 20 - Houston,TX March 21- Oklahoma City,OK April 4 - Huntington,KY April 10 - Charlotte,NC April 11 - Durham,NC April 17 - Munhall,PA April 18 - Cleveland,OH April 19 - Columbus,OH April 24 - Larchwood,IA Follow Dana Gould https://www.instagram.com/danagould/?hl=en https://www.youtube.com/watch?v=Z9O2KG8d9WY https://www.facebook.com/officialdanagould/ PLEASE Drop us a rating on iTunes and subscribe to the show to help us grow. https://podcasts.apple.com/us/podcast/soder/id1716617572 Connect with DAN Twitter: https://Twitter.com/dansoder Instagram: https://www.instagram.com/dansoder Tiktok: https://www.tiktok.com/@dansodercomedy Facebook: https://www.facebook.com/dansoder Youtube: http://www.youtube.com/@dansoder.comedy #dansoder #standup #comedy #entertainment #podcast Produced by  Mike Lavin      https://www.instagram.com/thehomelesspimp/?hl=en

In the final hour, Matt Spiegel and Laurence Holmes discussed how the conversation around Bears second-year quarterback Caleb Williams is changing. After that, they got a chuckle out of listening to struggling Steelers quarterback Aaron Rodgers' postgame press conference Sunday after Pittsburgh lost to Buffalo.

The Sharks have surprised the league by sitting in a wildcard spot 27 games in, powered by 20-year-olds Macklin Celebrini—now second in league scoring behind Nathan MacKinnon—and Will Smith, though Ray still sees Anaheim as slightly ahead with better defence, size, and young depth. Team Canada faces a looming Olympic question: with a month until selections, can Connor Bedard realistically be left off the roster, and shouldn’t he at least be one of the two extras over another depth checker? Meanwhile, new concerns surface about Milan’s Olympic rink reportedly being four feet smaller than NHL size, and Ray wonders how much it would affect play. Trivia of the week: Crosby has scored on 167 different goalies, Ovechkin on 186—so how many did Ray beat in his career? We may need to crowd-sourse the answer. Winnipeg continues to spiral without Connor Hellebuyck, getting torched 5–1 by Buffalo as poor secondary scoring may be forcing players to cheat offensively and worsening their defensive issues. In Toronto, the Leafs may be exploring trades despite limited assets, with Troy Stecher making the most of a fresh opportunity amid blueline injuries. And in Carolina, the Hurricanes’ three-goalie system rolls on, with Brandon Bussi now 7–1 while facing just 27 total shots in his last two outings thanks to the Canes’ suffocating puck control.See omnystudio.com/listener for privacy information.

Send us a textWe trade Thanksgiving laughs for a slate of real fights, breaking down Roach vs Pitbull Cruz, Janibek vs Lara, and why Foster vs Fulton could be the purist's main event. Venue hopes, undercard rumors, and a sponsor-powered nutrition kick round out a packed hour.• Roach's path to points vs Cruz's pressure• Janibek's uppercut timing vs Lara's legs and exits• Foster's shell and counters vs Fulton's body work and combos• Frank Martin's return at 140 and activity questions• Ramos vs Shane Mosley Jr. and body work risk at 160• Teofimo vs Shakur announcement and MSG hopes• Ben Whittaker's ceiling and true tests at 175• Why judging and initiative decide the 50-50sUse code SPAR for 10% off at www.empirenutrition.com. Get the Buffalo chicken meatballsTHE SPAR-INN ON YOUTUBE

Lance and Lap breakdown the Bengals victory of the Baltimore Ravens on Thanksgiving Night. You'll hear from Zac Taylor, Joe Burrow, and others. Geoff Hobson joins in hour 2. Then Lance and Lap look forward to the game Sunday against Buffalo.

Lance and Lap breakdown the Bengals victory of the Baltimore Ravens on Thanksgiving Night. You'll hear from Zac Taylor, Joe Burrow, and others. Geoff Hobson joins in hour 2. Then Lance and Lap look forward to the game Sunday against Buffalo.See omnystudio.com/listener for privacy information.

RJ Bell, Steve Fezzik and Mackenzie Rivers talk NFL recap from week 13. RJ Bell, Steve Fezzik and Mackenzie Rivers recap NFL Week 13, starting with Fezzik's contest standings and shifting into a long debate about Lane Kiffin leaving Ole Miss for LSU, weighing money, reputation, player poaching, contract terms, and whether he should coach out the season, comparing it to corporate noncompetes and fan reactions; they discuss New Orleans, Baton Rouge, lifestyle differences, and how coaches and players evaluate opportunity versus loyalty. They transition to Survivor strategy, with Fezzik criticizing results-oriented praise for underdog picks and outlining math on contrarian value, distribution of picks on Philadelphia, Chicago, Baltimore and others, and how expected value—not outcome—should drive decisions. RJ pushes back that long-term projections people use may be overly certain and ignore variance in future point spreads. They then move game-by-game through the week: Bengals' win over the Ravens despite six field goals and Baltimore's four lost fumbles; Rams' statistically dominant but turnover-ruined loss to Carolina; Arizona outplaying Tampa but losing on turnovers; Atlanta statistically beating the Jets despite a close score; Seattle crushing Minnesota while the Vikings' offense posted historically awful EPA comparable to Denver's COVID no-QB game; San Francisco beating Cleveland by more than the stats suggested due to turnovers; Jacksonville blowing out Tennessee in a game that should've been closer; Houston beating Indy in a fairly accurate-to-stats final; Chargers annihilating the Raiders; Miami edging New Orleans with a pivotal defensive two-point runback; Washington-Denver ending on a two-point try showing how new OT rules increase one-point finals. They discuss power ratings, playoff odds, NFC West value on San Francisco versus Seattle and the Rams, Denver's “clutch” wins, Buffalo versus Kansas City, late-down success as a predictive metric, and coaching impacts. They close with prop-bet anecdotes, Steelers/Tomlin talk, kickoff-rule quirks, and a brief side discussion of media narratives and personal movie/TV habits. Learn more about your ad choices. Visit megaphone.fm/adchoices

Álvaro Martín y Arturo Carlos analizan la derrota de los Pittsburgh Steelers frente a los Buffalo Bills en la Semana 13. Conversan sobre la jugada que cambió el ritmo del partido, la falta de consistencia ofensiva de Pittsburgh, la incapacidad defensiva para frenar a James Cook y el ataque terrestre de Buffalo, la actuación de Josh Allen por aire y tierra, los errores clave de los Steelers, lo que este resultado significa para sus aspiraciones de playoffs, responden a sus preguntas en Punto Extra y más.See omnystudio.com/listener for privacy information.

Lance and Lap breakdown the Bengals victory of the Baltimore Ravens on Thanksgiving Night. You'll hear from Zac Taylor, Joe Burrow, and others. Geoff Hobson joins in hour 2. Then Lance and Lap look forward to the game Sunday against Buffalo.

New York State Department of Transportation spokesperson Ryan Whalen ahead of Tuesday night's first public listening session for the future of the Kensington Expressway project in Buffalo full 367 Tue, 02 Dec 2025 09:30:00 +0000 ZvomtQgaEmazV1WTIBpn7Dp8qsl1IW3E buffalo,news,wben,kensington expressway,new york state department of transportation,east buffalo,east side parkways coalition,ryan whalen,restore our community coalition WBEN Extras buffalo,news,wben,kensington expressway,new york state department of transportation,east buffalo,east side parkways coalition,ryan whalen,restore our community coalition New York State Department of Transportation spokesperson Ryan Whalen ahead of Tuesday night's first public listening session for the future of the Kensington Expressway project in Buffalo Archive of various reports and news events 2024 © 2021 Audacy, Inc.

Join hosts Will Alimonos and Zach Bishop for a wide-ranging, hour-plus episode covering everything from Thanksgiving weekend football to college coaching drama and Feast Week college basketball. The guys open with holiday banter, recap their football-watching (and dessert-eating) routines, then dive into the shockers from Thanksgiving: Cowboys over Chiefs, a flurry of upsets that wiped out a parlay and the growing sense that the NFL playoff picture is chaotic and wide open. The hosts break down notable NFL storylines — Chiefs' struggles, the rise of the Bears, Patriots and Cowboys as contenders, surprising underdog first-half outcomes, and game-by-game previews and picks (Dallas vs. Detroit, Seattle vs. Atlanta, Titans at Browns, Miami at the Jets, Buffalo vs. Cincinnati and more). Will and Zach also share betting takes and results (including a lost parlay, a perfect week on some first-half underdog plays, and this week's wagers: Colts moneyline and a Dallas first-half underdog bet). Shifting from the pros, Will and Zach tackle the college football coaching carousel: Lane Kiffin's LSU move, the messy consequences of midseason coaching changes, transfer portal timing, and whether the current cycle of rapid firings and hires can — or should — be reined in. They debate fits for programs, booster influence and the long-term toll on teams and fans. The podcast then pivots to college basketball's Feast Week, previewing the top 10 games of the week and offering quick picks and reasoning for marquee matchups (Arizona vs. Auburn, Gonzaga at Kentucky, UConn at Kansas, Duke at Michigan State, and more). The hosts discuss teams to watch, KenPom indicators, matchup concerns, and which early-season results are meaningful versus fluky. Finally, there's a brief NBA minute (can the Thunder chase the Warriors' win record?), listener calls to subscribe and follow on social, and an energetic sign-off. Expect spirited takes, betting insights, game predictions, and hot takes on coaching moves — a one-stop episode for football bettors, college hoops fans, and anyone tracking the late-season NFL shake-up.

Terry Robinson from East Side Parkways Coalition ahead of Tuesday night's first public listening session for the future of the Kensington Expressway project in Buffalo full 359 Tue, 02 Dec 2025 09:30:00 +0000 9YIJPTqv2h5fy7jWqYyosrOtMzPQqBaW buffalo,news,wben,kensington expressway,new york state department of transportation,east buffalo,terry robinson,east side parkways coalition WBEN Extras buffalo,news,wben,kensington expressway,new york state department of transportation,east buffalo,terry robinson,east side parkways coalition Terry Robinson from East Side Parkways Coalition ahead of Tuesday night's first public listening session for the future of the Kensington Expressway project in Buffalo Archive of various reports and news events 2024 © 2021 Audacy, Inc.

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

Judd and AJ discuss the past month for the Wild as a whole and the play that helped turn the season around. Praise for Jesper Wallstedt and Filip Gustavsson, Tarasenko's return,injury updates, and more are discussed. Plus a conversation about Saturday's loss to Buffalo.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Matt Spiegel and Laurence Holmes got a chuckle out of listening to struggling Steelers quarterback Aaron Rodgers' postgame press conference Sunday after Pittsburgh lost to Buffalo.

The Pittsburgh Steelers led at the half once again, but failed in the final 30 minutes in a majorly disappointing loss against the Buffalo Bills, 26-7. Join Jeff Hartman, Dave Schofield, and Bryan Davis as they break it all down on the latest SCN Post-Game Show! This podcast is a proud part of the Fans First Sports Network. Learn more about your ad choices. Visit megaphone.fm/adchoices

The duo of Bryan Anthony Davis and K.T. Smith breaks down the Steelers like no one else does on the Steel Curtain Network. Listen in as Coach Smith and BAD talk about the ineptitude after the loss to Buffalo and more. HWG is a proud production of the Fans First Sports Network. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don't miss the postgame show breakdown of the Buffalo Bills vs Pittsburgh Steelers on the Cover 1 Buffalo Podcast, hosted by Greg Tompsett and Aaron Quinn. Starting immediately after Sunday's 4:25 game, Greg and Aaron analyze every key play, decision, and performance that defined Buffalo's Week 13 matchup.Timestamps0:00 Intro44:48 1st Half Review1:06:30 Aaron's West Herr Drive of the Game1:10:37 Greg's West Herr Drive of the Game1:15:45 2nd Half Review1:20:22 Crazy Stats with Producer Colin

Matt Parrino and Ryan Talbot break down Sunday's monster Buffalo Bills win against the Pittsburgh Steelers. The Bills move to 8-4 and remain in the thick of the AFC playoff picture. Love SHOUT? Want to buy some swag to support the show and get decked out in our official gear? Check out the brand new "SHOUT!" store for apparel, headwear and much more! ⁠https://sportslocker.chipply.com/SHOUT/store.aspx?eid=405259&action=viewall What is the "SHOUT!" Bills text insiders? Want to join? You can get analysis from Matt and Ryan right to your phone and send texts directly to them both! Text 716-528-6727 or Click here: https://joinsubtext.com/c/shoutbuffalobills Sign up for the NYUP Bills newsletter! Don't miss all the Bills coverage. Head over to www.Syracuse.com/newsletters to start getting your Bills stories and the podcast delivered right to your inbox. The "SHOUT!" Buffalo Bills football podcast is available on Apple, Spotify, Google, Stitcher, and wherever you listen to podcasts Follow @MattParrino (⁠https://x.com/MattParrino⁠) and @RyanTalbotBills (⁠https://x.com/RyanTalbotBills⁠) on X Find our Bills coverage whenever you consume social media Instagram: http://www.instagram.com/buffalobillsnyup Facebook: http://www.facebook.com/buffalobillsnyup ⁠X: ⁠https://x.com/billsupdates Learn more about your ad choices. Visit megaphone.fm/adchoices

Judd and AJ discuss the past month for the Wild as a whole and the play that helped turn the season around. Praise for Jesper Wallstedt and Filip Gustavsson, Tarasenko's return,injury updates, and more are discussed. Plus a conversation about Saturday's loss to Buffalo.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“…and today we're talking about the savannah's secret dangerous megafauna. But more on that later.” Species: Syncerus caffer, also known as Cape buffalo, savanna buffalo, or forest buffalo, depending on the subspecies. Description Build: Stocky and muscular with a broad chest, short neck, and sturdy legs built for endurance. Coat: Short, coarse hair ranging from […]

Don't miss the postgame show breakdown of the Buffalo Bills vs Pittsburgh Steelers on the Cover 1 Buffalo Podcast, hosted by Greg Tompsett and Aaron Quinn. Starting immediately after Sunday's 4:25 game, Greg and Aaron analyze every key play, decision, and performance that defined Buffalo's Week 13 matchup.Timestamps0:00 Intro44:48 1st Half Review1:06:30 Aaron's West Herr Drive of the Game1:10:37 Greg's West Herr Drive of the Game1:15:45 2nd Half Review1:20:22 Crazy Stats with Producer Colin

Join The MisFitNation as host Rich LaMonica welcomes US Army Veteran Lori McVicar-Peltan — MP pioneer, private investigator, actress, comedian, and the definition of grit. Lori's journey is unlike any other. She served in the first group of women to go coed at Fort McClellan in 1978, trained as the first female Military Police boxer, and served on the streets of Frankfurt. After the military, she became the first female to start her own PI firm in Buffalo, NY, earned top investigative honors at AIG, and now continues her mission as a grandmother of 11, actress in the film Lucy and the Lake Monster, presenter at the VETTYS, and graduate of a comedy writing program. In this episode, we dive into trailblazing military history, resilience, humor, survival, and the courage to keep reinventing yourself through every season of life.

Joe and Brian dive into the fallout from the Steelers' 26–7 loss to the Buffalo Bills at Acrisure Stadium. This episode breaks down how Buffalo controlled the trenches, while Pittsburgh's offense sputtered and turnovers in the third quarter sealed the outcome. We examine Aaron Rodgers' struggles, the defense's inability to contain Buffalo's ground game, and the growing frustration among fans, including chants calling for Mike Tomlin's job. With the Steelers now sitting at 6–6, the playoff picture becomes increasingly uncertain. The show also captures the atmosphere inside Acrisure, the social media reaction, and what this loss means for the Steelers moving forward. Closing thoughts focus on the urgency of the upcoming matchups and what adjustments Pittsburgh must make to stay alive in the postseason race: including some coaching changes. Questions or Comments? Did we hit the mark? Let us know your thoughts in the comments below! Don’t forget to like, subscribe, and hit the notification bell for more Steelers news and analysis from Steel City Underground! – Dial (203) 900-4SCU (4728) from any number, and leave your name, location, and a question on our automated attendant. – Text (203) 900-4SCU with your question OR – Email fanmail@steelcityunderground.com Connect: Facebook – https://www.facebook.com/steelcityunderground Twitter – https://twitter.com/steelcityundrgr YouTube – http://www.youtube.com/c/Steelcityunderground Instagram – https://www.instagram.com/steelcityunderground/ TikTok – https://www.tiktok.com/@steelcityunderground Web – https://www.steelcityunderground.com/ Shop and Support SCU: Amazon Prime Store – https://amzn.to/30owltC Dashery Store – https://steelcityunderground.dashery.com/ PayPal Donation – https://bit.ly/3FfGJmn Subscribe to our podcasts: Apple Podcasts/iTunes – https://itunes.apple.com/us/podcast/steel-city-underground/id1086142389 YouTube Music – https://music.youtube.com/playlist?list=PLDBwXHWw3-eIgPXDiw_XCqZHg4vmG5Lzg YouTube – https://www.youtube.com/c/Steelcityunderground Spotify Video – https://open.spotify.com/show/5Pe0YQ7rIQfftV2s9jp3sk Spotify Audio – https://open.spotify.com/show/4Yacx1utIsGBZHZdOFpZ2y TuneIn – http://tunein.com/radio/Steel-City-Underground-p836074/ Spreaker – https://www.spreaker.com/show/2600913 iHeartRadio – https://www.iheart.com/podcast/steel-city-underground-podcast-28337685/ Deezer – https://www.deezer.com/show/1439702 Amazon Music – https://music.amazon.com/podcasts/f22abec5-54d1-44ae-92ac-10b765286ef4/pittsburgh-steelers-podcast-steel-city-underground Pandora – https://www.pandora.com/podcast/pittsburgh-steelers-podcast-steel-city-underground/PC:43358 Fire Tomlin chants intensify as Bills ground and pound Steelers appeared first on Steel City Underground.

Dr. Emily Cooper, Mark Wright, and Andrea Taylor talk with Maria from Buffalo, a longtime listener who shares her lifelong journey with obesity, psoriatic arthritis, and binge eating—and how finally understanding the science of metabolism gave her hope. Maria describes early childhood weight gain, joint damage, and years of restrictive dieting and food shame, then explains how GLP‑1 therapy (Zepbound) plus mechanical eating helped her lose about 50 pounds while eating more food, more often, and with more joy. Dr. Cooper breaks down the underlying biology—leptin, weight set point, the melanocortin pathway, and the impact of pain, sleep, and chronic inflammation on hunger hormones—and reframes obesity as a symptom of deeper metabolic problems, not a character flaw. This episode doubles as a practical, emotionally honest guide for patients trying to navigate a traditional health‑care system without a dedicated metabolic specialist.Key Questions AnsweredHow can rapid childhood weight gain, autoimmune disease, and early joint damage signal serious metabolic dysfunction rather than “too much food” or “not enough exercise”?What is leptin, what does “too low for your size” mean, and how does that affect hunger, weight set point, and weight loss?What is monogenic obesity testing, who might qualify for free genetic screening, and how can results inform (but not necessarily change) treatment?How do GLP‑1 medications like Zepbound work with mechanical eating so someone can lose weight while eating more regularly and with more variety?Which labs (fasting glucose, insulin, leptin, etc.) help uncover hidden metabolic issues, and when is a mixed‑meal test more useful than a simple fasting snapshot?When should brain‑active medications (such as bupropion/naltrexone combinations) be considered, and what trade‑offs and side effects matter?How can patients respectfully push for tests, challenge old “eat less, move more” advice, and set boundaries around weigh‑ins and stigmatizing language?Key TakeawaysIt's not your fault: Rapid childhood weight gain and early‑onset obesity often reflect serious metabolic biology, including rare gene variants, growth phases, and hormone signaling—not gluttony or laziness.Obesity is a symptom: Excess weight is better understood as a side effect of underlying metabolic fires (leptin issues, insulin resistance, brain signaling problems) that need proper diagnosis and treatment.Leptin really matters: Low leptin for your size can act as a biological brake on weight loss, and chronic dieting, under‑fueling, over‑exercise, and some high‑dose supplements can suppress it further.GLP‑1s plus mechanical eating: Medications like Zepbound can quiet food noise and support weight loss, but scheduled, balanced eating is essential to avoid under‑fueling, protect muscle, and support hormones.Pain and sleep are metabolic: Chronic pain and poor sleep increase hunger hormones like ghrelin and disrupt repair processes, worsening metabolic dysfunction unless directly addressed.Script your visits: Bring a printed list of diagnoses, medications, and questions; use patient portals to request specific tests; and practice simple boundary phrases around weighing and diet talk.Notable Quote“This isn't all just caused by diets and things like that. There was an original metabolic problem. It was amplified because of the food restriction and the psychology around it, but you are a product of cumulative insults to your system—not a moral failure.” — Dr. Emily CooperLinks & ResourcesPodcast Home: https://fatsciencepodcast.com/Cooper Center for Metabolism & Fat Science Episodes: https://coopermetabolic.com/podcast/Resources and education from Dr. Cooper: https://coopermetabolic.com/resources/Submit a Show Question: questions@fatsciencepodcast.comDr. Cooper direct show email: dr.c@fatsciencepodcast.comFat Science is informational only and does not constitute medical advice.

Post-Gazette Steelers insiders Gerry Dulac and Ray Fittipaldo react to the team's NFL Week 13 loss to the Buffalo Bills at Acrisure Stadium. Why did T.J. Watt, Cam Heyward, Nick Herbig, Keeanu Benton, Alex Highsmith, Payton Wilson and the defensive front seven struggle so mightily to contain James Cook and the Buffalo running game? Will coach Mike Tomlin and DC Teryl Austin have answers before facing the run-heavy Ravens in a crucial AFC North battle next week? What went wrong for QB Aaron Rodgers in his return from injury? Is there still time for him to find chemistry with pass catchers DK Metcalf, Calvin Austin III, Roman Wilson, Darnell Washington and Pat Freiermuth? Or is this offense in trouble? Especially after also failing to generate production with running backs Jaylen Warren and Kenneth Gainwell? And what will the defense do amid LB Patrick Queen's injury? Our duo tackles those questions and more. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Vagos vs. Rock Machine – Two Fathers Dead After Explosive ClashToday on Black Dragon Biker TV, we break down a violent and tragic confrontation between two rival outlaw motorcycle clubs that left two men dead in Phoenix — both fathers, both gone in seconds.According to Phoenix police, a confrontation between a Vagos MC member and a Rock Machine MC member escalated rapidly into gunfire.The Vagos rider allegedly shot and killed a Rock Machine member……but in an instant twist, another Rock Machine member ran him down with a vehicle, killing him on scene.What started as a fight turned into a deadly chain reaction that took two lives and rocked the MC community.This is one of the most shocking stories we've covered — and a reminder of how quickly things can spiral out of control on the biker set.️ We'll Break Down:What sparked the confrontation between Vagos and Rock MachineHow the fatal shooting unfoldedWhy the second death happened within secondsThe impact this has on both clubs and the greater MC communityWhy emotional decisions lead to fatal consequences in the outlaw world PLUS International HeadlinesGlam Motorbike Influencer Killed in Horrifying CrashA popular Indonesian biker influencer was killed after reportedly losing her glasses while splitting lanes between a car and a truck.She fell beneath the truck's wheels — a devastating and avoidable tragedy. 41st Annual Toy Run – Asgard MC Gives BackWhile violence dominates headlines, Asgard Motorcycle Club continues its tradition of love and giving with their 41st Annual Toy Run, bringing joy to hundreds of families.

Dallas didn’t play so the NFL felt BORING as hell… naps, walks in the park, folks catching up on Netflix — YOU KNOW WHY! But today wasn’t about the Cowboys… this one about Shedeur Sanders, that 49ers defense, and Jerry Jeudy showing his ass on the sideline. Bubba breaks down EVERYTHING:

In this episode, Jon Cudo is joined by two beloved voices in the world of Minor League Baseball entertainment: Erik “The Peanut Guy” Mertens and MiLB storyteller Benjamin Hill. Erik kicks things off with his “Let's Get Nutz” Award, celebrating the game ops moments that unite fans through spontaneity, humor, and pure joy. From Rick Rizzs' magical Ichiro Night sing-along in Seattle to Lake County's delightfully absurd toilet-themed contest and Tacoma's rooftop “Sax Gorilla,” Erik highlights the wonderfully unexpected moments that make ballparks feel alive—and ultimately names Seattle and Stillwater as his top nods.Ben Hill follows with his trademark blend of insight and curiosity, exploring his favorite promotions from across MiLB in 2025. From the Syracuse Mets' “Search for Jim Morrison” and Buffalo's Goo Goo Dolls Giveaway to full-scale identity switches like the Erie Moon Mammoths and Cleveland Pierogies, Ben showcases the creativity and weirdness that define the minors. He reminds us that comparing promotions is an apples-to-oranges endeavor, and that the true winners are always the fans who benefit from teams' willingness to innovate, experiment, and embrace the wonderfully strange. Together, Erik and Ben offer a joyful tour through the heart of MiLB entertainment—where community, creativity, and a touch of chaos reign supreme.

From 'It's Always Gameday In Buffalo' (subscribe here): Sal Cappacio & Matt Bove breakdown the Bills big win over the Steelers, how they looked on both sides of the ball, and what's next as the regular season starts to wind to a close To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

From 'It's Always Gameday In Buffalo' (subscribe here): Sal Cappacio & Matt Bove breakdown the Bills big win over the Steelers, how they looked on both sides of the ball, and what's next as the regular season starts to wind to a close To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

6:00am - Jeremy and Joe react to Buffalo's win over Pittsburgh and their rally to do so.

From 'It's Always Gameday In Buffalo' (subscribe here): Sal Cappacio & Matt Bove breakdown the Bills big win over the Steelers, how they looked on both sides of the ball, and what's next as the regular season starts to wind to a close To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Hour 1 with Bob Pompeani and Joe Starkey: This was one of the worst football weekends in Pittsburgh sports history. Pitt and the Steelers were both dominated at Acrisure. The story for Joe is the fanbase turning on the Steelers and Mike Tomlin. The Bills rushed for an Acrisure Stadium record for an opponent against the Steelers and the most rushing yards by an opponent in Pittsburgh since Buffalo in 1975.

Hour 3 with Bob Pompeani and Joe Starkey: Bob had dinner with Jim Nantz and the CBS producer! Bob said Nantz thinks the Steelers are a good team, but are giving up historic numbers. Trai Essex said Patrick Queen is not a Steelers linebacker like James Farrior, Lawrence Timmons, and Ryan Shazier. Patrick Queen fired back, Grading the Steelers offense and defense against the Bills.

Is Rodgers going to last the rest of the year as the starter? Ray Fittipaldo's report card. The quarterbacks get an F. Joe gives the running backs a D. The receivers get an F. Bob doesn't think Broderick Jones should earn his 5th year.

Josh Allen's record TD helps Buffalo top Pittsburgh, Denver becomes the NFL's second 10-win team and the L.A. Rams' win streak ends, a top college football coach leaves one SEC team for another, Texas A&M slips in the rankings after its first loss and a former NBA MVP returns from injury. Correspondent Gethin Coolbaugh reports.

Some people are lucky enough to get paid to do what they love. But many are not.In You Have a Calling: Finding Your Vocation in the True, Good, and Beautiful, (Brazos Press, 2025), award-winning author Karen Swallow Prior has encouraging news: If you pursue the good, true, and beautiful in all your work, you will find your greatest fulfillment. In this conversation, we discuss:* The difference between passion and calling. How does this help us make vocational decisions?* What are the various callings we have, not just in our 9-to-5, but in all of life?* How does our context determine our callings, including when and where we live, who is in our lives, and what needs arise? * How are our callings from outside ourselves, often in the service to others?* How can we find meaning in every role, regardless of what our career is?* How can we reintegrate our vocational lives through truth, goodness, and beauty?Our discussion will help anyone and everyone who wants to know that our daily work, ordinary though it may be, can fulfill a higher calling to God. You will gain a renewed sense of purpose, knowing you are created for virtue in all that you do. Scroll down to learn more about Karen Prior.Subscribe to the podcast on your favorite app:Thanks for listening!If you enjoyed this podcast, please share it with your friends. Your hosts are Dr. Bob Robinson and David Loughney. For further resources on reintegrating all of life with God's mission, go to re-integrate.org.Dr. Karen Swallow PriorDr. Karen Swallow Prior is the 2025-26 Karlson Scholar at Bethel Seminary. She has been a reader and a writer her entire life. She earned her PhD in English from the State University of New York at Buffalo. She has taught at Liberty University and Southeastern Baptist Theological Seminary. She has written or co-written several books, including study guides for some of the greatest books in British literature.Would you consider buying Karen's books from independent booksellers Byron and Beth Borger at Hearts & Minds Bookstore? They are eager to serve God's people with great books. Order online through their secure server or call 717-246-333. Mention that you heard about these books on the Reintegrate Podcast and get 20% off. Get full access to Bob Robinson's Substack at bobrobinsonre.substack.com/subscribe

The Steelers defense proved yet again why it is one of the most disappointing units in team history. The Bills ran on them for nearly 250 yards in an Acrisure Stadium route. TJ Watt said the Bills were just running the same plays like a game of Madden. Will they right the ship before the season is over? Another Sunday comes and goes with comments from former Steelers after the team looks lifeless against Buffalo. PM Team Professors.

This week's "Madden Monday" with Tim Benz and Mark Madden examines the Steelers loss at home to Buffalo, Pitt's defeat at the hands of Miami, Penn State's coaching plans, and the Penguins weekend games against Toronto and Columbus. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Cincinnati Bengals will travel to Buffalo this week to face the Bills.

Ben Ennis and Brent Gunning open the second hour by examining Auston Matthews' weekend on the ice. The guys note a possible decline in his puck touches compared to past seasons and consider how a shift from elite status to merely top-ten form could impact the Leafs' future, especially amid the team's insistence that his play isn't related to previous injuries. They then discuss Elliotte Friedman's report that the Leafs blocked footage from the All or Nothing Amazon Prime documentary involving William Nylander, raising concerns about whether the organization has been too lenient with him and how damaging the unseen footage might have been. Later, Trey Wingo (24:12) of the Straight Facts Homie podcast contributor to talk about the razor-thin margins in the league this year and the heightened excitement created by league-wide parity. They also break down the Chiefs' struggles, the uncertain identity of the Bills, the heavy pressure facing Buffalo and Baltimore, the Steelers' shaky outlook and Mike Tomlin's future, the NFC North amid the Lions' issues, the Bears' surprising performance, and Trey's perspective on the Lane Kiffin situation.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.