Podcasts about England

A careful study of a range of data sources suggests that Israel's military actions in Gaza have resulted in far more deaths than published tallies indicate. The Church of England, facing declining numbers of parishioners, is selling up its properties on the cheap (14:10). And we ask whether those trendy “juice shots” confer any health benefits (20:29).Get a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

A careful study of a range of data sources suggests that Israel's military actions in Gaza have resulted in far more deaths than published tallies indicate. The Church of England, facing declining numbers of parishioners, is selling up its properties on the cheap (14:10). And we ask whether those trendy “juice shots” confer any health benefits (20:29).Get a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account.

Tottenham Hotspur have won the Europa League. Yep, you read that right. And don't say Ange Postecoglou didn't tell ya!Marcus and Jim react off the back of a (let's be honest) rather lacklustre Europa League final. But it's a year of ending trophy droughts, so what might that mean for England next summer. Eh? Eh? Now we're talking.Find us on Bluesky, X, Instagram, TikTok and YouTube, and email us here: show@footballramble.com.Sign up to the Football Ramble Patreon for ad-free shows for just $5 per month: https://www.patreon.com/footballramble.***Please take the time to rate us on your podcast app. It means a great deal to the show and will make it easier for other potential listeners to find us. Thanks!*** Hosted on Acast. See acast.com/privacy for more information.

A captured Lord Haw-Haw fights for his life. In court, it comes down to one question: can he have betrayed Britain, if he was never really British?Do you have a suggestion for a scandal you would like us to cover? Or perhaps you have a question you would like to ask our hosts? Email us at britishscandal@wondery.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Matt Baker is a PGA (England) golf professional, golf instructor and the CEO of Matt Baker Golf Ltd.  Based in Clitheroe in Northwest England, Matt specialises in online coaching and personal lessons to golfers of all skill levels from Beginner to Elite.  His coaching philosophy is to keep it simple, and build on familiar movements, from life activities and other sports, that help you improve your golf faster.  Matt joins #OntheMark to illustrates the commonalities between swings from other sports and the golf-swing.   He also dives into the M-System - a skill-based system of golf-swing instruction devised by Mike Malaska.  In describing the M-System, Matt breaks down the 5 elements to building a better swing: The "Line of Compression" The "Lever System" The "Body Motion" Combining Skills (Levers and Body Motion) for success, and How to Practice Productively for your Swing to Perform under Pressure. You can also watch this podcast as a Vodcast on YouTube - just search for, and subscribe to Mark Immelman.      

David Skarica discusses his book "Mega Returns: Profit from Maximum Pessimism," highlighting key themes such as the end of asset price inflation driven by excessive debt and government spending. The conversation begins with an exploration of how COVID-19 and the 2008 financial crisis fueled a period of unprecedented debt, leading to inflated asset prices across sectors. Skarica emphasized the dangers of governments overspending during COVID, particularly in the U.S., where interest payments now surpass defense budgets. A concerning sign of fiscal strain. He warned that rising debt levels globally, especially in Japan and emerging markets like Canada and Australia, could trigger a debt crisis, potentially leading to hyperinflation. Investment strategies were a focal point, with Skarica advocating for precious metals such as gold, silver, platinum, and palladium as hedges against inflation. He also suggests specific ETFs for corporate bonds and options trading as actionable strategies. Additionally, he highlighs opportunities in emerging markets, particularly India's growth potential and Argentina as a turnaround play. Green energy and technology are discussed with cautious optimism. While skeptical of some trends, Skarica identifies opportunities in green energy companies and rare earth metals. He remains cautious about cryptocurrencies like Bitcoin, noting their volatility but acknowledging their role as a hedge against dollar devaluation. Finally, Skarica underscores the importance of monitoring bond markets for signs of economic stress, particularly rising yields, which could indicate broader financial instability. His insights provide a comprehensive view of current market dynamics and actionable strategies for investors navigating a complex financial landscape. Timestamp References:0:00 - Introduction0:40 - Profit From Pessimism4:28 - Timing the Debt Mkts.8:52 - Canada & Australia11:40 - Global Bail Outs?14:44 - Revaluing Gold Res.19:23 - Corporate Debt Concerns25:01 - Trade Ideas & Theories27:28 - Opportunity Still in PMs32:52 - Platinum Metals?35:54 - Commodity Prices40:37 - Energy & Agriculture43:52 - Oil Company Risks47:32 - Emerging Markets?49:55 - Argentina?52:01 - New Technology55:05 - Bitcoin & Ethereum57:24 - G. Energy & Rare Earths1:01:08 - New Book Details1:02:16 - Wrap Up Guest Links:Twitter: https://x.com/DavidSkaricaYouTube: https://youtube.com/@profitpessWebsite: https://profitfrompessimism.com David Skarica had an interest in financial markets at an early age. At the age of 16, he read the small booklet “The Plague of the Black Debt”, by James Dale Davidson, which was given to him by his uncle. David was always a sports stat nut, loving football, hockey and baseball stats, which lead to David becoming intrigued with economics and markets. David is such an avid Football and Las Vegas Raiders fan — his principal in grammar school was Bernie Custis, who was the late Raiders owner Al Davis' roommate at Syracuse University, and the first ever African American quarterback in college and pro football history — that he also runs his own football vlog, Raiders Greats, which discusses great Raiders player of the past. He also is a soccer fan who supports Leeds Utd., as his father was born in Leeds, England. In 1996, at the age of 18, David became the youngest person on record (that he knows of anyhow) to obtain the Canadian Securities Course (CSC) license to trade investment securities. In the late 1990s, David felt that the market was becoming another epic bubble similar to the bubble of the 1920s, so he decided at the tender age of 20 to write his first book, Stock Market Panic!, which was published in 1998. Over the next decade, gold soared from $250 an ounce to nearly $1900, while the S&P 500 lost value. In the same year that this book was published, he decided to start his newsletter, Addicted to Profits. The newsletter's name was a spin on Robert Palmer's famed song Addicted ...

It's Wednesday, May 21st, A.D. 2025. This is The Worldview in 5 Minutes heard on 125 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark and Adam McManus British national Muslim fighters committed war crimes A recent report from the U.K. parliament found that hundreds of Islamic fighters have returned to England without facing prosecution. British nationals joined the Islamic State in Iraq and Syria between 2014 and 2019. The group targeted religious minorities and committed many war crimes. Since then, over 400 Islamic State fighters have returned to the U.K. However, the country's government has not prosecuted any of them for international crimes. Christians have faced high levels of persecution from Islamic fighters in Iraq and Syria. Both countries are ranked on the Open Doors' World Watch List of nations where it is most dangerous to be a Christian.  Ecclesiastes 8:11-12 says, “Because the sentence against an evil work is not executed speedily, therefore the heart of the sons of men is fully set in them to do evil. Though a sinner does evil a hundred times, and his days are prolonged, yet I surely know that it will be well with those who fear God, who fear before Him.” Trump to Putin: “When are we going to end this bloodbath?” U.S. President Donald Trump spoke with Russian President Vladimir Putin about the war in Ukraine on Monday. Trump said Russia and Ukraine would immediately start negotiations toward a ceasefire. He noted that the new Roman Catholic pope, Leo XIV, has offered to host the talks at the Vatican. President Trump warned that the United States would back out of the situation if both sides can't reach an agreement. Listen. TRUMP: “I said, ‘When are we going to end this Vladimir?' I've known him for a long time now. I said, ‘When are we going to end this blood bath?' It's a blood bath. I think it'd be great to have it at the Vatican. There's tremendous bitterness, anger, and I think maybe that could help some of that anger.” Trump dropped $37 million fine against Christian University The Trump administration dropped a $37 million fine against the largest Christian university in America Initially, Biden's Department of Education leveled the fine against Grand Canyon University. Brian Mueller, the president of the university, said, “The facts clearly support our contention that we were wrongly accused of misleading our Doctoral students and we appreciate the recognition that those accusations were without merit.” Ellen Keast, an Education Department spokeswoman, noted, “Unlike the previous administration, we will not persecute and prosecute colleges and universities based on their religious affiliation.” FDA discouraging young, healthy Americans from getting COVID shot On Tuesday, the U.S. Food and Drug Administration announced new rules for its approval of COVID-19 shots. The FDA said it will require more research before approving yearly COVID-19 boosters for young, healthy Americans.  The shots will still be approved for adults over 65 and for people with health problems that put them at higher risk. FDA officials noted, “The FDA will approve vaccines for high-risk persons and, at the same time, demand robust, gold-standard data on persons at low risk.” Man kills self, injured 4 outside in vitro clinic On Saturday, a car bomb was detonated outside an in vitro fertilization clinic called the American Reproductive Center in Los Angeles.  The blast killed 25-year-old suspect Guy Edward Bartkus and injured four other people. The in vitro fertilization facility was damaged, but the embryos stored inside were saved. Bartkus reportedly left behind a manifesto on a website. In it, he said he wanted to start “a war against pro-lifers” and “begin the process of sterilizing this planet of the disease of life.” Urge 19 Republican Congressmen to DEFUND Planned Parenthood Today, the House Rules Committee will have a hearing and vote on President Trump's “big, beautiful bill” to determine what budget items go to the House floor. If even a single amendment is added, the momentum we've built to stop funding Planned Parenthood and Big Abortion could vanish, reports Liberty Counsel Action. This is the last vote before the bill is placed on the House floor. Two conservative Republicans who voted “present” on Sunday night are also on the Rules Committee. The full House could vote on this bill as early as later today. Remember, there are 220 Republicans and 213 Democrats. Because the GOP majority is so slim, we need every one of them. Three moderate House Republicans are carrying the water for Planned Parenthood and pushing House leaders to continue funding the Murder Giant. Those three pro-abortion Republican Representatives include Mike Lawler (R-NY), Jen Kiggans (R-VA), and Brian Fitzpatrick (R-PA). These members are exerting significant pressure on House leadership to give up defunding Planned Parenthood and Big Abortion. We are on the cusp of victory, and we cannot allow this effort to fail. There are 19 key Republicans in leadership who need to hear from us. I've listed them in our transcript today along with a 3-sentence message you could read when you call today at www.TheWorldview.com.  Do not hesitate to leave a voicemail. Call as many of them as you can as early as you can! Email me at Adam@TheWorldview.com to let me know how many Congressmen you and your family members called. SAMPLE CALL: “I am calling to urge Representative _______ to defund Planned Parenthood. Nearly 60 percent of Americans oppose tax-funded abortion.  If a majority oppose it, then Congress should not fund it. Thank you!”    Rep. David Schweikert (R-AZ) – (202) 225-2190    Rep. Kevin Kiley (R-CA) – (202) 225-2523    Rep. Vince Fong (R-CA) – (202) 225-2915    Rep. Young Kim (R-CA) – (202) 225-4111    Rep. Zach Nunn (R-IA) – (202) 225-5476    Rep. Hal Rogers (R-KY) – (202) 225-4601    Rep. John James (R-MI) – (202) 225-4961    Rep. Don Bacon (R-NE) – (202) 225-4155    Rep. Tom Kean Jr. (R-NJ) – (202) 225-5361    Rep. Andrew Garbarino (R-NY) – (202) 225-7896    Rep. Nicole Malliotakis (R-NY) – (202) 225-3371    Rep. Mike Lawler (R-NY) – (202) 225-6506    Rep. Nick LaLota (R-NY) – (202) 225-3826    Rep. Brian Fitzpatrick (R-PA) – (202) 225-4276    Rep. Nancy Mace (R-SC) – (202) 225-3176    Rep. Scott DesJarlais (R-TN) – (202) 225-6831    Rep. Jen Kiggans (R-VA) – (202) 225-4215    Rep. Juan Ciscomani (R-AZ) – (202) 225-2542    Rep. Monica De La Cruz (R-TX) – (202) 225-2531 Kay Arthur, who showed how to study the Bible, died at 91 And finally, Kay Arthur, the beloved co-founder of Precept Ministries International and a pioneering advocate for inductive Bible study, died yesterday in Chattanooga, Tennessee, according to the Roys Report. She was 91. In an announcement on the Precept website, her ministry said,  Kay “will be remembered for her love for the Lord, His Word, and His people.” A prolific author, Arthur wrote more than 100 books and Bible studies over her lifetime including her bestseller, Lord, Teach Me to Study the Bible in 28 Days.  ARTHUR: “People need to discover truth for themselves because God promises in His word that He has given us everything that pertains, not only to life, but also to godliness, so that we might be fitted for every good work, so that nothing can come our way and throw us. “God is doing a work in their lives because the only text that they are looking at is the Bible, which is alive and powerful and sharper than any two-edged sword. It's a discerner of the thoughts and intents of the heart. It is a light unto our path. It's the very Word by which we live. It's the Sword by which we stand against the enemy." She often said, “When you know what God says, what He means, and how to put His truths into practice, you will be equipped for every circumstance of life.” Through Precept's inductive Bible study method—teaching believers to observe, interpret, and apply Scripture—Arthur equipped millions around the world to study the Bible for themselves.  Indeed, the ministry was heard in 150 countries in 70 different languages. Close And that's The Worldview on this Wednesday, May 21st, in the year of our Lord 2025. Subscribe for free by Spotify, Amazon Music or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

If you are a conservative, Bible-believing Christian, there's a lot to like about the Rev. Calvin Robinson. Raised in England, he stood up to the liberalism of the Church of England and, as a result, that church would not ordain him. He is a powerful communicator who puts his gifts in service of pro-life causes, the sanctity of marriage, and other important issues. Then there's the “other” Calvin Robinson. If you've been following the news about Robinson this week, you probably know that Calvin Robinson, too. That Calvin Robinson is an agent provocateur. He made what appeared to be a Nazi-like salute at a pro-life event in January. He has been fired or suspended from media and ministry jobs. This Calvin Robinson is a guy who seems to be in love with the spotlight, but not at all in love with those in authority over him telling him what to do. The producer for today's program is Jeff McIntosh. The host is Warren Smith. Until next time, may God bless you.

Alex Hartley & Kate Cross are back as a new era begins for England's women with Charlotte Edwards as head coach and Nat Sciver-Brunt as captain.What was Alex's experience leaving Pakistan following international tensions with India? What does Kate think of England's new leadership team? And what's the weirdest thing they've ever talked about during a match?Email us at: noballspodcast@bbc.co.uk

Faith isn't just believing—it's staying connected to Jesus. Hebrews 11:6 reminds us that without faith, it's impossible to please God, but what does that mean for our daily lives?In this podcast, Susie and Angie explore how faith fuels our relationship with Christ, helps us hear His voice, and strengthens our walk with Him. Join us as we dive into practical ways to keep our focus on the main thing—our connection with Jesus.Hebrews 11:6 (NIV)“And without faith it is impossible to please God, because anyone who comes to him must believe that he exists and that he rewards those who earnestly seek him.”https://livesteadyon.com/https://susiecrosby.com/https://www.logos.com/https://enduringword.com/https://www.wordhippo.com/https://www.biblegateway.com/https://www.blueletterbible.org/Rudolf Bultmann, “Πιστεύω, Πίστις, Πιστός, Πιστόω, Ἄπιστος, Ἀπιστέω, Ἀπιστία, Ὀλιγόπιστος, Ὀλιγοπιστία,” ed. Gerhard Kittel, Geoffrey W. Bromiley, and Gerhard Friedrich, Theological Dictionary of the New Testament (Grand Rapids, MI: Eerdmans, 1964–), 176–177.Paul Ellingworth, The Epistle to the Hebrews: A Commentary on the Greek Text, New International Greek Testament Commentary (Grand Rapids, MI; Carlisle: W.B. Eerdmans; Paternoster Press, 1993), 576.Thomas D. Lea, Hebrews, James, vol. 10, Holman New Testament Commentary (Nashville, TN: Broadman & Holman Publishers, 1999), 201.David G. Peterson, “Hebrews,” in New Bible Commentary: 21st Century Edition, ed. D. A. Carson et al., 4th ed. (Leicester, England; Downers Grove, IL: Inter-Varsity Press, 1994), 1347.Anthony C. Thiselton, “Hebrews,” in Eerdmans Commentary on the Bible, ed. James D. G. Dunn and John W. Rogerson (Grand Rapids, MI; Cambridge, U.K.: William B. Eerdmans Publishing Company, 2003), 1473.Theme music:Glimmer by Andy Ellison

As a child, Chris was haunted by a dark figure he couldn't explain—a shadowy boy who appeared at his bedside, paralyzing him with fear. For years, no one believed him, brushing it off as imagination. But Chris knew what he saw. The figure didn't just stand there; it moved, grabbed the door handle, and even touched Chris's foot. It wasn't until years later that Chris's cousin, visiting from England, described the same dark figure, confirming what Chris had experienced all along. Finally, Chris got the validation he needed. If you have a real ghost story or supernatural event to report, please write into our show at http://www.realghoststoriesonline.com/ or call 1-855-853-4802! Want AD-FREE & ADVANCE RELEASE EPISODES? Become a Premium Subscriber Through Apple Podcasts now!!! https://itunes.apple.com/us/podcast/real-ghost-stories-online/id880791662?mt=2&uo=4&ls=1 Or Patreon: http://www.patreon.com/realghoststories Or Our Website: http://www.ghostpodcast.com/?page_id=118 

After surviving the Peasants' Revolt, Richard II comes out on top. He has violently suppressed the rebels  and married the well-credentialed Anne of Bohemia. But this Plantagenet has his eye on another playmate, the handsome Robert De Vere. Richard's wandering eye could spell disaster for England's fortunes. If you want to find out more about the last time a King had a handsome playmate, listen to This Is History's second bonus episode from season five. You can also find out more about Anne of Bohemia and the regal reputation she carried in this week's bonus episode. Head to our Patreon to  vote on future episodes, join in on some spicy court gossip on This Is History chat rooms, and hear from Dan and the rest of the royal council. We'd love to see you there: patreon.com/thisishistory A Sony Music Entertainment production. Find more great podcasts from Sony Music Entertainment at sonymusic.com/podcasts To bring your brand to life in this podcast, email podcastadsales@sonymusic.com Learn more about your ad choices. Visit megaphone.fm/adchoices Presented by Dan Jones Producer - Alan Weedon Senior Producer - Selina Ream Executive Producer - Louisa Field Production Manager - Jen Mistri Production coordinator - Eric Ryan Sound Design and Mixing - Amber Devereux Head of content - Chris Skinner Learn more about your ad choices. Visit podcastchoices.com/adchoices

In early 18th-century London, a petty criminal became one of the most celebrated people in England.  He wasn't celebrated despite the fact that he was a criminal; he was celebrated because he was a criminal. The authorities didn't share in the public's enthusiasm. He was arrested several times, but he managed to escape custody each time.  However, the law finally caught up with him, and as usual, the law won. Learn more about “Honest” Jack Sheppard and how he because a sensation in 18th century London, on this episode of Everything Everywhere Daily. Sponsors Newspapers.com Get 20% off your subscription to Newspapers.com Mint Mobile Cut your wireless bill to 15 bucks a month at mintmobile.com/eed Quince Go to quince.com/daily for 365-day returns, plus free shipping on your order! Stitch Fix Go to stitchfix.com/everywhere to have a stylist help you look your best Tourist Office of Spain Plan your next adventure at Spain.info  Stash Go to get.stash.com/EVERYTHING to see how you can receive $25 towards your first stock purchase and to view important disclosures. Subscribe to the podcast!  https://everything-everywhere.com/everything-everywhere-daily-podcast/ -------------------------------- Executive Producer: Charles Daniel Associate Producers: Austin Oetken & Cameron Kieffer   Become a supporter on Patreon: https://www.patreon.com/everythingeverywhere Update your podcast app at newpodcastapps.com Discord Server: https://discord.gg/UkRUJFh Instagram: https://www.instagram.com/everythingeverywhere/ Facebook Group: https://www.facebook.com/groups/everythingeverywheredaily Twitter: https://twitter.com/everywheretrip Website: https://everything-everywhere.com/  Learn more about your ad choices. Visit megaphone.fm/adchoices

CEO of WSL Football, Nikki Doucet, speaks exclusively to Ellen White and Ben Haines at the end of the domestic season. After the announcement of a major rebrand for professional women's football in England, Nikki discusses the reasons behind the new name and new look, plus what this means for the future of the WSL and newly renamed WSL 2. Nikki also talks to Ellen and Ben about the reports of scrapping relegation, increased spending in women's transfer windows, how the game is going to be grown and whether women's football will get a dedicated broadcasting slot, as well as giving us an insight into her own personal background.TIME CODES: 0'44” A rebrand that got fans talking? 2'47” Nikki Doucet's background 4'21” What it's like negotiating with clubs 8'18” Tangible things put in place over the last season 13'12” Change of name from Championship to WSL2 15'40” Lack of jeopardy in the league 22'20” Is there help for clubs who are struggling to fill their stadium? 25'03” How are you making women's football attractive for fans? 31'12” Disparity in transfer spending in the WSL 34'30” Looking ahead to the Euros (Recorded on Thursday 15th May 2025)BBC Sounds / 5 Live commentaries this week: Wednesday 20th May: Europa League Final - Tottenham Hotspur v Manchester United, 8pm KO. Saturday 24th May: UEFA Women's Champions League Final - Arsenal v Barcelona, 5pm KO. Sunday 25th May: Premier League final day from 4pm.

The first Tudor Queen of England helped to end the Wars of the Roses. Her son, Henry VIII took six Queens during his reign and beheaded two of them. Lady Jane Grey and Mary I both had husbands who claimed the title of King while Elizabeth I avoided the whole matrimonial mess. The Tudor Queens consort and male consorts were: Elizabeth of York Catherine of Aragon Anne Boleyn Jane Seymour Anne of Cleves Catherine Howard Catherine Parr Guildford Dudley Philip of Spain The lives of the many Kings and handful of Queens Regnant who have held dominion over the kingdom of England, and later the United Kingdom take center stage in history. But the lives of their spouses and mothers are often relegated to the wings. In this series we will learn the stories of the many Queens Consort and the handful of male consorts who have been at the monarchs' sides. Through love, hate, adultery and sometimes murder these women and men have played vital roles in the history of England. Join me every Tuesday when I'm Spilling the Tea on History! Check out my Youtube Channel: https://www.youtube.com/c/lindsayholiday Follow me on Facebook: https://www.facebook.com/profile.php?id=100091781568503 Instagram: https://www.instagram.com/historyteatimelindsayholiday/ Tik Tok: https://www.tiktok.com/@historyteatime Please consider supporting me at https://www.patreon.com/LindsayHoliday and help me make more fascinating episodes! Intro Music: Baroque Coffee House by Doug Maxwell Music: Folk Round by Kevin MacLeod #HistoryTeaTime #LindsayHoliday Please contact advertising@airwavemedia.com if you would like to advertise on this podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

"Time spent traveling on trains, just staring out the window: I don't think that's lost time. That's when we have our best ideas." –Kim Krizan In this episode of Deviate, Rolf and Kiki introduce their interview with Kim Krizan by talking about their own personal love of the movie Before Sunrise, and how they first experienced it (0:30); Kim talks about her early travel experiences in Czechoslovakia as a teenager, and in England in her twenties (14:30); how the low-information technological moment of travel in the 1990s doesn't exist anymore in the 2020s (23:30); how Kim became involved with helping Richard Linklater write Before Sunrise, and their creative process in working together (34:00); Kim's ongoing relationship to the movie, 30 years after it came out (44:00); and an "Easter egg" segment featuring Kiki reading Melissa Fite Johnson's poem "Before Sunrise on the VCR" (55:30). Kim Krizan (@kimkrizan) is the Oscar-nominated cowriter of the Before Sunrise movies, and the author of Spy in the House of Anaïs Nin. Kristen “Kiki” Bush is an actress, known for Paterno, Liberal Arts, Suits, Law & Order: SVU, and onstage performances at Manhattan Theatre Club, The Public, and Lincoln Center. Notable Links: 2025 Screenwriting in Paris class, with Kim Krizan (creative writing class) Paris Writing Workshops (summer learning-vacation classes) Before Sunrise (1995 movie) Before Sunset (2004 movie) Ethan Hawke (American actor and director) Julie Delpy (French actress and director) Richard Linklater (American filmmaker) Kristen "Kiki" Bush in People, Places & Things (2022 play at the Studio Theatre) Thoughts on watching the Before trilogy, 25 years on, by Rolf Potts (essay) BritRail (train pass in the UK) London A-Z (street atlas) Siouxsie and the Banshees (British rock band) Wembley Stadium (London venue) Continuous partial attention (behavior) Slacker (1990 film) Dazed and Confused (1993 film) Anaïs Nin (French-American diarist and novelist) Eurail Pass (train pass to 33 European countries) The Game Camera (trailer for 2025 short film made by Kiki and Rolf) Uncle Vanya (play by Anton Chekhov) Robert Falls (former artistic director of Chicago's Goodman Theater) Melissa Fite Johnson (poet) The Deviate theme music comes from the title track of Cedar Van Tassel's 2017 album Lumber. Note: We don't host a “comments” section, but we're happy to hear your questions and insights via email, at deviate@rolfpotts.com.

My guest today is Amanda Oros the founder and host of Not Your Granny's Quilt Show – A conversational, slightly chaotic podcast about quilting with lots of amazing guests! We did a podcast swap and had a really great conversation both times. You can find her interview with me right here:  https://www.youtube.com/watch?v=aKVY7Kt_KzkThe tables were turned, I was in the hot seat, and it was a lot of fun. Amanda has dropped over 140 episodes so be sure to listen in for all kinds of quilty fun. You can also find Amanda Oros right here: YouTube: https://www.youtube.com/@notyourgrannysquiltshowInstagram: https://www.instagram.com/notyourgrannysquiltshow/Want to travel with Brandy? A FEW SPOTS LEFT ON THIS TRIP! PLUS one lucky traveller will win an Oliso Tula Pink M3Pro Project Iron. 2025 FESTIVAL OF QUILTS Birmingham!!! This 14-day tour of Wales and England takes in the rich textile history and breathtaking cultural landmarks. Tour England & Wales ending at the Festival of Quilts. Call the team at Opuent Quilt Journeys at 1-877-235-3767 or go to  https://opulentquiltjourneys.com/destinations/britain/item/birmingham-festival-of-quilts-tour-with-brandyQuilter on Fire Website - https://quilteronfire.com/OLISO IRONS - Host of the Quilter on Fire Podcast Lounge each year at QuiltCon!BUY YOUR OWN OLISO MINI PROJECT IRON RIGHT HERESquare One Textile Art WorkshopLink to Brandy's email listKristy's Quilt Picture BookQuilter on Fire PatternsFree Quilter on Fire Holiday Table Runner VIDEO Support the showThank you for listening to the Quilter on Fire Podcast.

Hey everyone, it's Levi McCurdy back in your ears for Episode 189 of the What Are We Doing Podcast. Before we dive in, you know the drill: if you haven't already, hit that like button, subscribe, and ring the bell so you never miss one of my signature helium-adjacent vocal flubs. Gold stars await the committed few, and who knows—rack up enough stars and you might unlock some super-secret, definitely-maybe prize. What are we doing?I'm kicking things off with a dilemma: some of you think I'm the funniest person alive, while others insist I give off “weird tweaker vibes.” So I'm putting it to a vote: are you laughing or cringing? Head to the comments, pick a side, and help me settle this bipolar roller coaster once and for all. Stand-up tour or rooftop plunge—your call!Next, I recount my epic ant saga: the cinnamon-vinegar barrier that failed, the borax liquid traps that supposedly worked… until they were mysteriously emptied overnight. Was it an ant rescue squad hauling off their fallen comrades for a proper ant burial? A clandestine spider cleanup crew? Or did I hallucinate 30 tiny corpses after taco night? ChatGPT laid out the straightforward “ants carry the bait home” explanation, but where's the fun in that? Join me as we dissect the “ant extraction team” conspiracy theory.From tiny invaders to the biggest diva, former President Trump is back on social media, roasting Bruce Springsteen in England and claiming responsibility for Taylor Swift's “decline” after he tweeted “I hate Taylor Swift.” We unpack his bizarre pivot from musician-bashing to presidential-level clapbacks, and wonder: should world leaders really be ghostwriting their Twitter invective?Our boy Breezy is in a bit of a pickle across the pond—denied bail until June 13th for allegedly bashing a bottle in a London club. What does that mean for his Hershey tour dates? We lament the lost twerk sessions and speculate whether “Free Chris Brown” merch could be the next big festival fad.Airbnb's scrambling to stay relevant by selling “Services” (think in-house chefs and yoga instructors) and “Experiences” that range from the charming (ghost tours) to the downright unsettling. Yes, I'm looking at you, “Get a Taste of Sabrina Carpenter” and “Anime Schoolgirl Twerk-Off with Megan Thee Stallion.” We fantasize about the security detail these celebs will need when they open the door to their creepiest fan ever. What are we doing?Finally, TMZ breaks the news: Justin Bieber, once a billionaire-in-waiting, is reportedly so tapped out he's borrowing his pastor pal's credit card just to hit the links. We trace the meltdown—from canceled world tours and massive tour-advance buybacks, to a $200 million catalog sale—and pitch the ultimate solution: a multi-million-dollar Las Vegas Sphere residency to solve Bieber's money woes in ten nights flat.That's a wrap on the chaos for Episode 189. Thanks for sticking with my scattered thoughts, conspiracy theories, and late-night rants. If you've enjoyed the ride, drop a comment on whether I'm “hilarious” or “unfunny,” smash those buttons, and share this episode far and wide. We'll reconvene next week—might be Friday, might be Memorial Day—and who knows what ridiculousness we'll uncover then. Until next time, peace out and seriously, what are we doing?

Have you ever had a bad day - or even just an uninspired day - that was completely turned around by one tiny act of kindness? A compliment from a stranger that leads to a 10-minute chat about your favourite neighborhood shops? A heartfelt email from a client thanking you for helping them achieve a big breakthrough? Or even something as simple as a barista giving you a complimentary still-warm-from-the-oven cookie?These moments of human connection are SOOO meaningful because they show us we're SEEN and appreciated in a world that can feel disconnected!

The Revd Catherine Williams leads a service of Morning Prayer for Wednesday during the Easter Season. With music from St Martin's Voices. Find the service and join in via the free Daily Prayer app or online via the Church of England website: www.churchofengland.org/prayer-and-worship/join-us-in-daily-prayer/morning-prayer-contemporary-wednesday-21-may-2025

The Revd Catherine Williams leads a service of Evening Prayer for Tuesday during the Easter Season. St Martin's Voices. Find the service and join in via the free Daily Prayer app or online via the Church of England website: www.churchofengland.org/prayer-and-worship/join-us-in-daily-prayer/evening-prayer-contemporary-tuesday-20-may-2025

Former Black Caps captain Brendon McCullum said the England Test team is ready to "shoot for the stars". England will play Test series against cricket heavyweights India and Australia later this year, in what could be a defining summer for the side. Sports reporter Bridget Tunnicliffe spoke to Lisa Owen. 

The Revd Catherine Williams leads a short service of Prayer During the Day for Wednesday during the Easter Season. With music from St Martin's Voices. Find the service and join in via the free Time to Pray app or online via the Church of England website: www.churchofengland.org/prayer-and-worship/join-us-in-daily-prayer/prayer-during-day-contemporary-wednesday-21-may-2025

The Revd Catherine Williams leads a short service of Night Prayer for Tuesday during the Easter Season. With music from St Martin's Voices. Find the service and join in via the free Time to Pray app or online via the Church of England website: www.churchofengland.org/prayer-and-worship/join-us-in-daily-prayer/night-prayer-contemporary-tuesday-20-may-2025

May 19, 1649. After the English Civil War, an Act of Parliament makes England a Republic.You can listen ad-free in the Wondery or Amazon Music app. Or for all that and more, go to IntoHistory.comHistory Daily is a co-production of Airship and Noiser.Go to HistoryDaily.com for more history, daily.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Crystal Palace fans rejoice as the club ends its 119-year trophy drought, Rog and Rory break down the FA Cup final as the Eagles deliver Pep Guardiola's first trophyless season in England. The race for Champions League places could not be any tighter, as Arsenal beat Newcastle 1-nil to secure 2nd place. Nottingham Forest and Chelsea both win ahead of their decisive matchup against each other next week. Hapless Manchester United and Tottenham Hotspur lose yet another Premier League game with all eyes on their Europa League final in Bilbao. And Everton say goodbye to Goodison Park with a victory over lowly Southampton. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode of Current Affairs dives into the tragic story of Olivia Wood, a 29-year-old woman from Somerset, England, whose promising new relationship turned deadly in just three months. We explore the harrowing details of her case, including the controlling and abusive behavior of her boyfriend, Kieron Goodwin, which culminated in her murder on the very night she planned to leave. Join Jessie and Andie as they unravel this chilling tale of coercive control, violence, and a family's fight to remember Olivia for the vibrant person she was.Sources:https://www.bbc.com/news/articles/cm2520rdg5nohttps://people.com/she-had-bags-packed-and-plans-to-leave-then-her-controlling-boyfriend-killed-her-in-cold-blood-11733082https://www.the-independent.com/news/uk/crime/thoroughly-evil-man-jailed-for-murdering-partner-b2747441.htmlFind LOVE MURDER online:Website: lovemurder.loveInstagram: @lovemurderpodTwitter: @lovemurderpodFacebook: LoveMrdrPodTikTok: @LoveMurderPodPatreon: /LoveMurderPodCredits: Love Murder is hosted by Jessie Pray and Andie Cassette, researched by Sarah Lynn Robinson and researched and written by Jessie Pray, produced by Nathaniel Whittemore and edited by Kyle Barbour-HoffmanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

May 19, 1649. After the English Civil War, an Act of Parliament makes England a Republic.Support the show! Join Into History for ad-free listening and more.History Daily is a co-production of Airship and Noiser.Go to HistoryDaily.com for more history, daily.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Guest Bio: An award-winning author, popular professor, and international speaker on the intersections of faith, literature, and culture, Dr. Carolyn Weber, a Commonwealth Scholar, holds her BA Hon. from Huron University College, Canada and her MPhil and DPhil from Oxford University, England. She has taught students across continents and now enjoys teaching at New College Franklin and working with the creative community in the Nashville, Tennessee, area. Her book Surprised by Oxford, which won the Grace Irwin Award, the largest prize for best Christian writing in Canada, was made into a feature film. She resides in the country with her husband, four spirited children, and animal menagerie.    Show Summary: Did you go to college and experience a complete change in your faith? Are you preparing to send a beloved child or children to college? During this God Hears Her conversation, guest Dr. Carolyn Weber relives her time of choosing faith at Oxford University while she prepares to send her daughter off to college. Join hosts Eryn Eddy Adkins and Vivian Mabuni as they dig into Dr. Carolyn's faith and her current feelings about sending her daughter off.    Notes and Quotes:   “We have to doubt as wisely as we have to believe.” —Dr. Carolyn Weber  “What I was drawn to in some ways with the Christian faith was that it was not fair-weather. There wasn't a sense of only loving people when you're in the mood. Love was a verb and a decision. There isn't a grace that can be earned.” —Dr. Carolyn Weber  “[On the image of Christians] It's not a personality; it's just a glow of a surrendered life.” –Vivian Mabuni  “There is so much messaging about self-worth and women, objectifying women and them not having a voice—which is completely the opposite of how Jesus treated women in the Bible, and that is all the more radical given the timeframe.” —Dr. Carolyn Weber  “Take and eat—not take and think—take and eat in remembrance of me. Put your body back together that''s been pulled apart by so many things, remember in me and undo the first lie in the garden that you're not good enough.” —Dr. Carolyn Weber  “There's something deeper [with fellowship] because you know that you can go to them with repentance, truth, pain, sorrow, joy, questions, and they are called to walk with you and you with them.” —Dr. Carolyn Weber  “You are a daughter of the King. He is the lifter of your head and your shield. There are going to be times in life when you think you have to follow someone, but you have to follow Jesus.” —Dr. Carolyn Weber    Verses:   Women being the first to witness the resurrection: Luke 24:1-12  The woman at the well: John 4  Eve in the garden (the lie of not being good enough): Genesis 3    Related Episodes:  GHH Ep 26 – Big Decisions and Crossroads: https://godhearsher.org/podcast/big-decisions-and-crossroads/  GHH Ep 66 – Dreams and Fears with Jade Gustafson: https://godhearsher.org/podcast/dreams-and-fears/  GHH Ep 147 – Mentoring the Next Generation with Ericka Porter: https://godhearsher.org/podcast/mentoring-the-next-generation/  GHH Ep 157 – Upheaval and Transition with Katherine Catlett: https://godhearsher.org/podcast/upheaval-and-transition/    Links:   Dr. Carolyn's Book, Surprised By Oxford: https://www.amazon.com/Surprised-Oxford-Memoir-Carolyn-Weber/dp/084992183X  Dr. Carolyn's website: https://www.carolynweber.com/about/  God Hears Her website: https://godhearsher.org/  Watch the Video Podcast Here: https://www.youtube.com/@GodHearsHerODBM  God Hears Her email sign-up: https://www.godhearsher.org/sign-upsfmc   Subscribe on iTunes! https://podcasts.apple.com/us/podcast/god-hears-her-podcast/id1511046507?utm_source=applemusic&utm_medium=godhearsher&utm_campaign=podcast  Elisa's Instagram: https://www.instagram.com/elisamorganauthor/  Eryn's Instagram: https://www.instagram.com/eryneddy/  Vivian's Instagram: https://www.instagram.com/vivmabuni/  Our Daily Bread Ministries website: https://www.odbm.org/

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   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, who 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  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

On this week's episode, we dive right into Michaela's London adventure!! Cheerio, mate! From coupling up with a Love Island cast member (no, seriously) to having a few major realizations, Michaela spills all the tea. (The England puns really never stop!) The good, the bad, and the very British—it's all on the table!!! Follow us! Hunter: https://www.instagram.com/huntermcgrady Michaela: https://www.instagram.com/michaelamcgrady Subscribe to Patreon for exclusive episodes and content: https://www.patreon.com/Themodelcitizenpodcast

In this week's MBA Admissions podcast we began by discussing the Round 3 activity on LiveWire; interview invites and final decisions continue to roll out for this shortened application round; next week Chicago / Booth and Imperial Business School are scheduled to release final decisions. Graham noted the Clear Admit promotion, where for every new entry we receive on DecisionWire, that maps out a candidate's entire application journey, Clear Admit will donate $10 to the Forte Foundation. Graham highlighted the remainder of Application Overview events series that will be hosted this week on Tuesday (Berkeley / Haas, UVA / Darden, Washington / Foster, UNC / Kenan Flagler, and Georgia Tech / Scheller) and Wednesday (Columbia, Stanford, UPenn / Wharton, Yale SOM, and Texas / Austin). Signups for those events are here: https://bit.ly/appoverview25 Graham also mentioned an event on Thursday for London Business School's One Year MBA program. Signups are here: https://bit.ly/lbs1year Graham noted a deep-dive analysis article on MBA tech career placements for the most recent graduating classes. Not surprisingly, Big Tech placement has dropped off at most top MBA programs. Graham highlighted two Real Humans alumni spotlights, alums from Duke / Fuqua working at EY-Parthenon, and UCLA / Anderson working at Google. Finally, Graham noted the recently recorded podcast featuring the leader of career services at Georgetown / McDonough, talking about the triple jump - changing industries, functions and geographies. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate works in investment banking and is from Ghana. They have a 325 GRE score. This week's second MBA candidate is from Argentina and appears to have a very interesting profile, but their GRE score of 309 is going to be an issue. They plan to retake. We also think they should reconsider their school targeting. The final MBA candidate is deciding between Chicago / Booth and Michigan / Ross, with scholarship. This episode was recorded in Boston, USA and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

WHAT EVER HAPPENED TO BETTE & JOAN? EPISODE 5 – BERSERK! & THE NANNY Welcome to another episode of What Ever Happened to Bette & Joan?, our ongoing journey on late-era Bette Davis & Joan Crawford. This week, we head across the pond to England for a pair of British chillers starring our two legendary […]

Kris and David are guestless as we discuss the (almost-)week that was May 14-19, 2001. Topics of discussion include:The WWF's early plans for a new WCW roster.The WWF trying to reassure the masses that their fanbase nearly as dumb and or poor as recent demographic data suggested.A TERRIBLE angle involving Steve Austin, Triple H, and The Undertaker.William Regal putting Grandmaster Sexay and Triple H in their places on TV.An interesting new name joining the WWF writers' room.Triple H vs. Ray Lewis and the story of how it almost happened.New Japan's Best of the Super Juniors tour opens up and it's a great one.Jodie Fleisch sustaining a bad injury in England.The debut of RAYITITO in CMLL.Vampiro causing problems for Ultimo Dragon on some Toryumon Mexico shows.CZW's first BEST OF THE BEST tournament goes down and turns out to be a coming out party for Mark and Jay Briscoe.Wild eBay auctions involving two of the most popular women in wrestling.A Rena Mero career update.Hulk Hogan and Jerry Jarrett both possibly talking to USA Network.This was quite the damn show this week, so you don't want to miss it!!Timestamps:0:00:00 WWF2:19:33 Classic Commercial Break 2:23:40 Halftime3:15:06 Eurasia: NJPW, NOAH, Zero-One, DDT, Osaka Pro, RINGS, Arsion, Jd', EWF, FWA, & WrestleXpress3:52:13 Latin America: AAA, CMLL, IWRG, XLAW, Tijuana, & WWC4:13:06 Other USA: JAPW, CZW, MarylandCW, IWC, IWAMS, MAW, Memphis, AAA, APW, ECCW, eBay, Rena Mero, Bobby Heenan, Ric Flair, Kevin Nash, & Hulk HoganTo support the show and get access to exclusive rewards like special members-only monthly themed shows, go to our Patreon page at Patreon.com/BetweenTheSheets and become an ongoing Patron. Becoming a Between the Sheets Patron will also get you exclusive access to not only the monthly themed episode of Between the Sheets, but also access to our new mailbag segment, a Patron-only chat room on Slack, and anything else we do outside of the main shows!If you're looking for the best deal on a VPN service—short for Virtual Private Network, it helps you get around regional restrictions as well as browse the internet more securely—then Private Internet Access is what you've been looking for. Not only will using our link help support Between The Sheets, but you'll get a special discount, with prices as low as $1.98/month if you go with a 40 month subscription. With numerous great features and even a TV-specific Android app to make streaming easier, there is no better choice if you're looking to subscribe to WWE Network, AEW Plus, and other region-locked services.For the best in both current and classic indie wrestling streaming, make sure to check out IndependentWrestling.tv and use coupon code BTSPOD for a free 5 day trial! (You can also go directly to TinyURL.com/IWTVsheets to sign up that way.) If you convert to a paid subscriber, we get a kickback for referring you, allowing you to support both the show and the indie scene.You can also use code BTSPOD to save 25% on your first payment — whether paying month to month or annually — when you subscribe to Ultimate Classic Wrestling Network at ClassicWrestling.net!To subscribe, you can find us on iTunes, Google Play, and just about every other podcast app's directory, or you can also paste Feeds.FeedBurner.com/BTSheets into your favorite podcast app using whatever “add feed manually” option it has.Support this podcast at — https://redcircle.com/between-the-sheets/donationsAdvertising Inquiries: https://redcircle.com/brands

Chris Brown's tour is in jeopardy after being arrested in England for assault. Tom Brady was spotted in the nude on his roof tanning... Jelly Roll brought out Eminem during one of his concerts. Lastly, Top Gun is making a third movie!See omnystudio.com/listener for privacy information.

While Islam has often been characterized as unitary and unchanging, by both Muslims and Westerners for their own particular reasons, that has never been the case–and today's world is no exception. Legalists and mystics debate, and radical groups exist at the same time as Muslim feminists who advocate new interpretations of the Koran.  This is the core argument of my guest John Tolan's new book Islam: A New History, from Muhammad to the Present. Ranging from new historical research on the first decades of the origins of the Muslim faith, he moves across centuries and millennia capturing the diversity and debate which characterized the history of the youngest of the three great monotheistic religions. Its diversity was fueled not just by religious debate, but by the great cultures which it assimilated, engaged, or had continual contact over the vast territory across which it spread.  John Tolan is professor emeritus of history at the University of Nantes. His books include England's Jews, Faces of Muhammad, Saint Francis and the Sultan, and Saracens.  

On the week's episode we're digging into the history and folklore of Lincolnshire, and disturbing a monster in the woods that lives beside a half-forgotten well...We start off discussing St Dunstan's Day, including Dunstan's life as an English folk hero, and what the historical record tells us he actually did, all before we advance to Lincolnshire.Once there, we chat about the some county trivia before Eleanor guides us through the counties three 'Parts' - Lindsey, Holland, and Kestevon, from ancient bog bodies to ghost ships, parasitic serpents to a couple of very naughty imps, all before Eleanor slices up some pork shoulder in pretty innovative ways, while also offering up cake and cheese, for this week's County Dish.After that, we do our best to avoid the sinister 'Shag Foal,' recall some deeply unsettling ghost stories, challenge a corpse to a game of cards, turn a blind eye to Lincolnshire's poachers, and so much more - all enriched by some excerpts from Saturday's upcoming Local Legends interview with Dr Rory Waterman and Dr Anna Milon of the Lincolnshire Folk Tales Project.Then it's on to the main event: Eleanor's take on the legend of "Nanny Rutt" - a tale of a sinister female predator who might know it's better to catch a fly with honey, yet whose appetites are for somewhat headier fare... We really hope you enjoy the episode, and will be back on Thursday with a new Three Ravens Bestiary bonus episode about Hellhounds, all before the full interview with Rory and Anna comes out on Saturday!The Three Ravens is an English Myth and Folklore podcast hosted by award-winning writers Martin Vaux and Eleanor Conlon.Released on Mondays, each weekly episode focuses on one of England's 39 historic counties, exploring the history, folklore and traditions of the area, from ghosts and mermaids to mythical monsters, half-forgotten heroes, bloody legends, and much, much more. Then, and most importantly, the pair take turns to tell a new version of an ancient story from that county - all before discussing what that tale might mean, where it might have come from, and the truths it reveals about England's hidden past...Bonus Episodes are released on Thursdays plus Local Legends episodes on Saturdays - interviews with acclaimed authors, folklorists, podcasters and historians with unique perspectives on that week's county.With a range of exclusive content on Patreon, too, including audio ghost tours, the Three Ravens Newsletter, and monthly Three Ravens Film Club episodes about folk horror films from across the decades, why not join us around the campfire and listen in?Learn more at www.threeravenspodcast.com, join our Patreon at www.patreon.com/threeravenspodcast, and find links to our social media channels here: https://linktr.ee/threeravenspodcast Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Mark Chapman is joined by England fast bowler Mark Wood and former spinner Phil Tufnell to explore the future of English cricket. Head coach Brendon McCullum reveals his vision for the team's new era, the evolution of Bazball, and why Harry Brook is key to the summer ahead. Plus, Charlotte Edwards on England Women's approach and how the ECB is planning for the next generation.

The Ghost Furnace - Episode 118 "Hairy Hands of Dartmouth"   On this week's episode, we head back across the pond for more UK folklore. This time to a very specific region of Dartmouth along B3212 near Postbridge. This story has been the subject of many newspaper articles, books and conjectures going back over 100 years. In many ways, it has familiar elements we've looked at in other tales, but this one has some very unique characteristics which make for an interesting inspection.    If you have a story you'd like to share, you can find us on Instagram, YouTube and TheGhostFurnacePodcast@gmail.com

In Episode 39 of Season 5, we welcome back Matt Sampson from the Crystal Palace supports group in DC and talk with him about the Eagles winning the FA Cup, his experience seeing a portion of their cup run in person in England and Tuesday's match against Wolves. --- Follow the show on X @wlwpod, on YouTube @WholeLottaWolves and on Facebook. E-mail us at hello@wholelottawolves.com.

Hello friends! Welcome to the 8th out of 10 editions of this season of Art Creativity & Wellbeing, the newsletter!Today we're discussing collaboration in art and creativity. Who are collaborators that you admire? Who do you love to collaborate with? Hope you enjoy!And if you're seeing this in your podcast app and you'd like to subscribe to get future episodes of Art Creativity & Wellbeing right into your inbox, click below..What I'm Up ToTarot for Coaches: Complimentary WorkshopFor years I have used tarot cards in my coaching practice.Not to *predict* the future.Instead to help the person I'm working with see their blocks and get past them to *build* their future.This will not be a workshop about telling coaches how to get better at coaching. Instead it's the opportunity, if you are a coach and you're curious, to:

Orlando, from the play As You Like It, talks about church bells knolling, and later in that same play, the Duke talks about how we “have with holy bell been knoll'd to church.” There's a conversation in Act II of Pericles where two fishermen discuss a parish getting swallowed by a whale, and they refer to the parish as “The whole parish, church, steeple, bells, and all.” These references demonstrate the important cultural place of bells in England for Shakespeare's lifetime. While Moses is credited with introducing bells to Jewish religion, Italian monks are given credit for introducing bells to Europe, with Saint Bede bringing them specifically to England when he introduced their use in funerals around 700 AD. By the time of William Shakespeare, metallurgy and construction had experienced a metamorphosis, with churches in Europe adopting not only intricate design, but seeking to increase both the size and the sound of their church bells. Here this week to tell us about the history, size, shape, sound, and technical process of building a church bell in Shakespeare's lifetime, is our guest Guthrie Stewart  Get bonus episodes on Patreon Hosted on Acast. See acast.com/privacy for more information.

In Deuteronomy 32, Eugene Fidell challenges us to respond to God's goodness by walking in faithful obedience. We also celebrated another child dedication and commissioned our team heading to England to serve alongside Young Life.

Sir Keir Starmer welcomes EU leaders to London today for a summit to improve cooperation and "re-set" relations in a post Brexit world. Fishing quotas are being talked about as a possible deal breaker. Leaving the EU has had a huge impact on some UK fishing businesses which is why industry leaders are adamant their interests shouldn't be bartered away as part of a deal. We hear from Cornish fishermen who say the summit comes too late for their businesses.All week we're talking about bovine TB. Each year more than 40,000 cattle are slaughtered across the UK as part of an effort to eradicate the disease, and the wider bovine TB eradication programmes cost UK taxpayers around £150 million per year, with more costs falling to the cattle industry. The different parts of the UK are taking different approaches to tackling the disease. In England, there has been a decade-long programme of enhanced cattle testing, increased biosecurity and culling badgers - which can also catch and pass on bovine TB. Now, after promising to "end the ineffective badger cull" in their manifesto, the Government says it's "working at pace" on a revised TB eradication strategy for England. We speak to Professor James Wood, a veterinary epidemiologist and government advisor about the overall rates of the disease in cattle and whether they're coming down because of the badger cull.Presenter = Caz Graham Producer = Rebecca Rooney

The Revd Catherine Williams leads a service of Evening Prayer for Monday during the Easter Season. St Martin's Voices. Find the service and join in via the free Daily Prayer app or online via the Church of England website: www.churchofengland.org/prayer-and-worship/join-us-in-daily-prayer/evening-prayer-contemporary-monday-19-may-2025

The Revd Catherine Williams leads a service of Morning Prayer for Tuesday during the Easter Season. With music from St Martin's Voices. Find the service and join in via the free Daily Prayer app or online via the Church of England website: www.churchofengland.org/prayer-and-worship/join-us-in-daily-prayer/morning-prayer-contemporary-tuesday-20-may-2025

On May 19, 1536, Anne Boleyn was executed on the Tower Green at the Tower of London, following months of scheming by Henry VIII's chief minister, Thomas Cromwell. Alicia follows the final, pivotal months of the one-time Queen consort of England, the woman Henry had broken with the Catholic Church to wed, and the mother of the future Elizabeth I, from celebrations of the death of Catherine of Aragon in January to the blade of a hired swordsman from Calais in May. Want early, ad-free episodes, regular Dumpster Dives, bonus divorces, limited series, Zoom hangouts, and more? Join us at patreon.com/trashydivorces! Want a personalized message for someone in your life? Check us out on Cameo! To advertise on our podcast, please reach out to info@amplitudemediapartners.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're back with another This Week in YouTube where we highlight some recent content from my YouTube channel. This week: What Happened to England's Monks and Nuns | The Dissolution of the Monasteries; The Loyal Dog of Richard III- What Happened to Francis Lovell? Make sure you're subscribed at https://www.youtube.com/@hteysko so you don't miss all the content we put out!Support the podcast for even more exclusive contenthttps://www.patreon.com/englandcast Hosted on Acast. See acast.com/privacy for more information.