Podcasts about Turkey

Let's take a trip back to when Ricky and Hollywood caught up with Jason a few weeks after returning from an adventure in Patagonia, bowhunting for Red Stag. Jason gives the scoop on the complexities of the travel and planning for a trip of that caliber. A rollercoaster of emotions immediately took hold as his bow didn't show up in Buenos Aires, amongst the chaos of navigating through the city of 13 million, to the final destination outside of San Martin. Fortunately, the story unfolds with success, and a great memory made that won't soon be forgotten.  Jason lays out the story of his most unique Turkey hunting season, and the guys discuss the importance of our roles as father's, and raising kids in the outdoor and hunting space.  You can find Jason on both Facebook and Instagram @jasonmatzingerofficial.  Into High Country can be viewed on YouTube and MyOutdoorTV. The upcoming Season 15 of Into High Country will begin to air in June of 2024.  The Range Podcast can be found on all major platforms, including Apple Podcasts and Spotify. Video versions of the podcast can also be found on the Vapor Trail YouTube Channel and on Wild TV.  Enter Promo Code trp15 during checkout at www.vaportrailarchery.com to receive 15% off VTX Bowstrings and Branded Apparel. The Range Podcast is brought to you by Vapor Trail Archery and Stokerized Stabilizers. We are proud to be a part of the @sportsmens_empire network.  #podcast #archerypodcast #outdoorpodcast #bowhunting #archery #targetarchery #bowandarrow #bowonly #hunting #outdoors #patagonia #redstag #theroar Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 2628 - Epstein island as a tourist destination? More car crashes in DC. Turkey says no to Israel . RFK cancels lgbt grants. Alligator Alcatraz riots? Great Labor Day show.

The Gemara in Masechet Menahot (43) cites a verse in the Book of Debarim (10:12) in which Moshe Rabbenu turns to Beneh Yisrael and says, "Ma Hashem Elokecha Sho'el Me'imach" – "What does Hashem your G-d ask of you?" Moshe proceeds to explain that Hashem asks that we fear Him and obey His commands. The Gemara, however, comments that the word "Ma" in this verse may be read as "Me'a" – one hundred. This means that we are required to recite 100 Berachot each day, and this is what Hashem wants from us. It seems from the Gemara that source of this obligation is the word "Ma," which is read as though it is written "Me'a." Some commentators, however, understood the Gemara's inference from this verse differently. The Shiboleh Ha'leket (Rav Sidkiya Ben Abraham Ha'rofeh, Italy, 13 th century) noted that this verse contains 100 letters, and thus the Sages found in this verse an allusion to the requirement of 100 daily blessings. In truth, this verse contains only 99 letters, but since the Gemara reads the word "Ma" as "Me'a," which contains an additional letter (an Alef), the total reaches 100. Others explain that this inference is based on the "Atbash" system, whereby a letter can be substituted with its corresponding letter at the opposite end of the alphabet (e.g. Alef is replaced by Tav; Bet is replaced by Shin, Gimmel is replaced by Resh, etc.). In the system of "Atbash," the letters that form the word "Ma" – Mem and Heh – become Yud and Sadi, which have the combined numerical value of 100, alluding to the 100 daily Berachot. Another allusion to this requirement is found in the verse in Tehillim (128:4), "Hineh Ki Chen Yeborach Gaber Yereh Hashem" ("Behold, this is how a G-d-fearing man shall be blessed"). The word "Ki" in Gematria equals 30, and the word "Chen" equals 70, for a total of 100, such that the phrase "Ki Chen Yeborach Gaber" may be read to mean that a man should recite 100 Berachot. As the Gemara inferred this requirement from a verse in the Torah, we might conclude that this constitutes a Biblical obligation, mandated by the Torah. This is, in fact, the view taken by the Ba'al Halachot Gedolot, in his listing of the 613 Misvot. Rav Shlomo Ibn Gabirol, in his "Azharot" poem which lists the 613 Biblical commands following the view of the Behag (and which we customarily chant on Shabuot), makes reference to this requirement ("U'mi'berachot Tasmid Me'at Ha'nigmarim"). By contrast, the Rambam maintained that this obligation was enacted later, by the Sages. The Sefer Ha'yere'im (Rav Eliezer of Metz, France, 1140-1237) similarly maintained that this requirement was instituted by the Ansheh Kenesset Ha'gedola ("Men of the Great Assembly") at the beginning of the Second Commonwealth. According to this view, the inference from the verse in Debarim is meant as an allusion to a law enacted by the Sages, and is not the actual source of this requirement. A third opinion is that of the Shiboleh Ha'leket and others, who maintained that this obligation was verbally transmitted as a "Halacha Le'Moshe Mi'Sinai" – a law taught to Moshe at Sinai, without having been written in the Torah. At first glance, we might question the view of the Behag and Shiboleh Ha'leket based on the Midrash's comment that it was King David who instituted the recitation of 100 Berachot each day. The Midrash relates that a devastating plague ravaged the nation during the reign of King David, killing 100 people every day. David determined that to end the plague, everyone must recite 100 daily blessings. (David later refers to himself as "Hukam Al" (Shemuel II 23:1), which could be read to mean, "the one who established 'Al,' as the word "Al" in Gematria equals 100, an allusion to the 100 Berachot which David instituted.) Seemingly, if this constitutes a Biblical obligation, or a requirement transmitted orally since the time of Moshe Rabbenu, then there would be no need for David to introduce this law. The answer, it would seem, is that the people were lax in their fulfillment of this obligation, and so David ordered the people to be more scrupulous in this regard and ensure to recite 100 blessings every day. A fascinating theory regarding the origins of this obligation was advanced by Rav Aharon Amarillo (1700-1772), in his work Peneh Aharon. He writes that Moshe Rabbenu instituted the requirement to recite 100 Berachot each day at the time of the construction of the Mishkan. The wooden planks that formed the structure of the Mishkan were inserted into "Adanim" – sockets embedded in the ground. In all, there were one hundred sockets, which together formed the base and foundation of the Mishkan. The word "Me'a," Rav Amarillo writes, is an acrostic representing the words "Me'at Adneh Ha'Mishkan" – "the one hundred sockets of the Mishkan." The 100 daily blessings were instituted to correspond to the 100 sockets of the Mishkan. The question naturally arises, what connection is there between the "Adanim" and Berachot? Why are the 100 daily blessings associated with the sockets that formed the base of the Mishkan? We can perhaps answer this question based a discussion by Rav Yosef Salant (Jerusalem, 1885-1981), in his Be'er Yosef, regarding the symbolism of the "Adanim." He writes that the Mishkan itself represents the Misvot that the Torah commands us to observe, and the sockets represent the foundation of it all, the pillar upon which the entire Torah rests. And that pillar, Rav Salant explains, is Emuna – faith in Hashem. Our faith in Hashem as the Creator who governs and controls everything is the foundation upon which all of Torah is based. If so, then we can perhaps understand the association between the "Adanim" and the Berachot that we recite. Numerous times each day, we are required to take a few moments and recite a Beracha, with Kavana (concentration), reminding ourselves of Hashem's involvement in the world and in our lives. Indeed, the word "Beracha" in Gematria equals 227 – the same Gematria as the word "Zecher" – "remembrance." The purpose of Berachot is to remind us of Hashem's existence and control over the world. And, in fact, the verse from which the Gemara derived this obligation tells us that what Hashem asks is "Le'yir'a Et Hashem Elokecha" – that we "fear" Hashem, meaning, that we live with an awareness of His unlimited power and His greatness. Accordingly, the 100 Berachot we recite each day are truly the ''foundation" of Torah life, as they serve to reinforce our Emuna. For good reason, then, the Berachot we recite are associated with the "Adanim," which comprised the foundation of the Mishkan and thus symbolize faith, the foundation of the entire Torah. A number of sources speak of the great reward which one earns through the proper fulfillment of this obligation – reciting 100 Berachot each day with concentration, and pronouncing each word correctly. (For example, one must ensure that the words "Baruch Ata" do not sound like "Baru Chata," and to recite "Melech Ha'olam," and not "Melecholam," skipping the syllable "Ha-.") The Ba'al Ha'Turim (Rabbenu Yaakob Ben Asher, 1270-1340) writes that those who fulfill this Misva are rewarded with long life. Commenting on the verse, "And you who cling to Hashem your G-d, you are all alive today" (Debarim 4:4), the Ba'al Ha'Turim observes the custom followed in some communities to add a crown in the Torah scroll above the letter Kof in the word "Ha'debekim" ("who are attached") in this verse. This crown, he explains, emphasizes that we attach ourselves to Hashem through the 100 blessings we recite each day – as the letter Kof in Gematria equals 100, and the reward for reciting these Berachot is "Haim Kulechem Hayom" – long life. The Seder Ha'yom (Rav Moshe Ben Machir, Safed, 16 th century) adds that when one recites a Beracha properly, the Beracha ascends to G-d in the heavens, and He takes the Beracha and embeds it into His "crown." Hashem's "crown," as it were, is made from the Berachot which we recite properly with Kavana. Rav Shlomo Zalman Auerbach (Jerusalem, 1910-1995) would advise people experiencing hardship to devote themselves to the meticulous observance of this Misva, and try to recite 100 Berachot each day with proper attention and concentration. The verse from which the Gemara inferred this obligation begins with the letter Vav ("Ve'ata Yisrael") and ends with the letter Chaf ("Nafeshecha"), and these letters have the combined numerical value of 26 – the Gematria of the divine Name of "Havaya." The Hida (Rav Haim Yosef David Azulai, 1724-1806) thus writes that the fulfillment of this Misva saves a person from the dreadful punishments described in the section of the "Kelalot" ("curses") in Parashat Ki-Tabo, a section in which the Name "Havaya" appears 26 times. Moreover, this section contains 98 curses, and also includes a warning about "every ailment and every punishment which is not mentioned in this book" (Debarim 28:61) – adding another two curses, for a total of 100. We protect against these 100 curses through the recitation of 100 Berachot each day. Additionally, the Zohar Hadash teaches that we remain in exile because of our failure to properly observe this requirement to recite 100 Berachot each day. It emerges, then, that our commitment to properly fulfill this obligation helps end our long, bitter exile and bring our final redemption. The Arizal taught that the 100 daily Berachot allow us to harness the power of the 22 letters of the Hebrew alphabet – the letters that Hashem used to create the world. The 100 daily blessings are, according to Kabbalistic teaching, associated with the 22 letters, and we thus benefit from the spiritual force of these letters by properly reciting 100 Berachot every day. The Gemara in Masechet Menahot (43b) tells that Rabbi Hiyya went out of his way to purchase special foods for Shabbat and Yom Tob in order to ensure he would recite 100 Berachot. On Shabbat and Yom Tob, the Amida prayer contains far fewer blessings than the weekday Amida prayer, making it more challenging to reach a total of 100 Berachot. Rabbi Hiyya thus made a point of having additional foods on Shabbat and Yom Tob so he would have more Berachot to recite. The Hida, in his work Mahazik Beracha (290), noted the Gemara's implication that this practice marked a special measure of piety on Rabbi Hiyya's part. The Gemara appears to laud Rabbi Hiyya for his piety – indicating that this was not strictly required. The Hida thus suggests that reciting 100 Berachot each day does not constitute a strict Halachic obligation, but is rather a worthwhile practice to follow. The consensus view among the Poskim, however, is that this is indeed a strict obligation. The Petah Ha'debir (Rav Haim Binyamin Pontremoli, Turkey, d. 1872) explains that Rabbi Hiyya was praised for fulfilling the Misva at the highest standard – going out of his way to buy special delicacies, rather than buying simpler foods. But ensuring to recite 100 blessings is a strict requirement, and not just a measure of piety. Hacham Ovadia Yosef adds that there are ways to reach a total of 100 Berachot without actually reciting Berachot, but Rabbi Hiyya chose not to rely on these leniencies, and instead went out to buy food so he could recite 100 blessings on Shabbat and Yom Tob. Indeed, the Shulhan Aruch explicitly rules that one is required to recite 100 Berachot each day. The Poskim indicate that 100 Berachot is a minimum amount, and not an exact amount. Hacham Ovadia notes that from the explanation mentioned earlier associating the 100 daily Berachot with the 100 sockets beneath the Mishkan, one might conclude that we must recite precisely 100 Berachot, and no more, but this is not the Halacha. One must recite at least 100 Berachot, but certainly may recite more. The Rambam, in Hilchot Tefila, brings a custom that some observed to count the Berachot that one recites over the course of the day. This was the practice of Hacham Ovadia Yosef on Shabbat, when it is more difficult to reach a total of 100 blessings, as he wanted to ensure to fulfill this obligation. It is told that the Brisker Rav (Rav Yitzchak Zev Soloveitchik, 1886-1959) would count the Berachot he recited every day, following this custom mentioned by the Rambam.

Let's take a trip back to when Ricky and Hollywood caught up with Jason a few weeks after returning from an adventure in Patagonia, bowhunting for Red Stag. Jason gives the scoop on the complexities of the travel and planning for a trip of that caliber. A rollercoaster of emotions immediately took hold as his bow didn't show up in Buenos Aires, amongst the chaos of navigating through the city of 13 million, to the final destination outside of San Martin. Fortunately, the story unfolds with success, and a great memory made that won't soon be forgotten. Jason lays out the story of his most unique Turkey hunting season, and the guys discuss the importance of our roles as father's, and raising kids in the outdoor and hunting space. You can find Jason on both Facebook and Instagram @jasonmatzingerofficial. Into High Country can be viewed on YouTube and MyOutdoorTV. The upcoming Season 15 of Into High Country will begin to air in June of 2024. The Range Podcast can be found on all major platforms, including Apple Podcasts and Spotify. Video versions of the podcast can also be found on the Vapor Trail YouTube Channel and on Wild TV. Enter Promo Code trp15 during checkout at www.vaportrailarchery.com to receive 15% off VTX Bowstrings and Branded Apparel.The Range Podcast is brought to you by Vapor Trail Archery and Stokerized Stabilizers. We are proud to be a part of the @sportsmens_empire network. #podcast #archerypodcast #outdoorpodcast #bowhunting #archery #targetarchery #bowandarrow #bowonly #hunting #outdoors #patagonia #redstag #theroar

Let's take a trip back to when Ricky and Hollywood caught up with Jason a few weeks after returning from an adventure in Patagonia, bowhunting for Red Stag. Jason gives the scoop on the complexities of the travel and planning for a trip of that caliber. A rollercoaster of emotions immediately took hold as his bow didn't show up in Buenos Aires, amongst the chaos of navigating through the city of 13 million, to the final destination outside of San Martin. Fortunately, the story unfolds with success, and a great memory made that won't soon be forgotten. Jason lays out the story of his most unique Turkey hunting season, and the guys discuss the importance of our roles as father's, and raising kids in the outdoor and hunting space. You can find Jason on both Facebook and Instagram @jasonmatzingerofficial. Into High Country can be viewed on YouTube and MyOutdoorTV. The upcoming Season 15 of Into High Country will begin to air in June of 2024. The Range Podcast can be found on all major platforms, including Apple Podcasts and Spotify. Video versions of the podcast can also be found on the Vapor Trail YouTube Channel and on Wild TV. Enter Promo Code trp15 during checkout at www.vaportrailarchery.com to receive 15% off VTX Bowstrings and Branded Apparel.The Range Podcast is brought to you by Vapor Trail Archery and Stokerized Stabilizers. We are proud to be a part of the @sportsmens_empire network. #podcast #archerypodcast #outdoorpodcast #bowhunting #archery #targetarchery #bowandarrow #bowonly #hunting #outdoors #patagonia #redstag #theroar

Today we see that Turkey has declared Israel a “Terrorist State”. Furthermore, Pastor Stan shares some brand-new information about Oil in Israel and what the future holds for Israel. 00:00 Terrorist State 01:38 Future of Israel 06:11 Summery 08:03 Jesus Will Return 09:27 PHD Invitation 12:59 Oil in Israel

Today we see that Turkey has declared Israel a “Terrorist State”. Furthermore, Pastor Stan shares some brand-new information about Oil in Israel and what the future holds for Israel. 00:00 Terrorist State 01:38 Future of Israel 06:11 Summery 08:03 Jesus Will Return 09:27 PHD Invitation 12:59 Oil in Israel

Want a quick estimate of how much your business is worth? With our free valuation calculator, answer a few questions about your business, and you'll get an immediate estimate of the value of your business. You might be surprised by how much you can get for it: https://flippa.com/exit -- In this episode of The Exit, Wendy Diamond, serial entrepreneur, investor, and founder of Women's Entrepreneurship Day Organization (WEDO), shares her extraordinary journey of weaving profit with purpose. Wendy's entrepreneurial spark began early, trading designer surplus in Turkey and Russia before moving to New York. There, volunteering for the homeless shifted her focus toward impact, leading to celebrity-backed cookbooks that raised millions. Her love for animals sparked Animal Fair Media, where she pioneered “Yappy Hour” events and primetime pet programming, spotlighting adoption at a time when millions of animals were being euthanized annually. A volunteer trip to Honduras in 2013 was another turning point. Witnessing the success of microloans for women entrepreneurs inspired her to found Women's Entrepreneurship Day, now celebrated in 100 countries. The initiative brings together governments, investors, and business leaders to empower women globally. As an investor, Wendy champions integrity-driven founders. She backed Basepaws (the “23andMe for pets”), which exited to Zoetis, while also experiencing failures that underscored her belief that “it's always about the people.” Her advice: build strong teams, embrace collaboration, and enjoy the journey. Today, through joinwedo.org, Wendy is helping a million women and girls gain AI and entrepreneurship skills—continuing her mission to create change from the ground up. -- Wendy Diamond is an internationally renowned social entrepreneur, impact investor, humanitarian, bestselling author, and media personality dedicated to using innovation and disruptive technologies for positive global impact. She is the Founder and CEO of the Women's Entrepreneurship Day Organization (WEDO)/#ChooseWOMEN, a movement with chapters in 144 countries and 112 universities focused on empowering women and alleviating poverty. As CEO of LDP Ventures, she invests in impactful companies and funds while serving on boards that advance sustainability, women's leadership, and animal welfare. A keynote speaker at the UN, Harvard, and the World Economic Forum, her work has been featured by Oprah, NBC, Bloomberg, The New York Times, and Forbes. Through her ventures and ten books, Wendy continues to champion innovation, entrepreneurship, and the underdog worldwide. Websites: https://www.joinwedo.org/ - www.wendydiamond.com Wendy on LinkedIn: https://www.linkedin.com/in/wendydiamond/ -- The Exit—Presented By Flippa: A 30-minute podcast featuring expert entrepreneurs who have been there and done it. The Exit talks to operators who have bought and sold a business. You'll learn how they did it, why they did it, and get exposure to the world of exits, a world occupied by a small few, but accessible to many

Turkey is facing a growing global problem: a declining birth rate. The number of babies being born reached an all-time low in 2024, of 1.48 children born per woman - that's well below the replacement level of 2.10. The country's President, Recep Tayyip Erdoğan, is calling the drop in fertility rate "a disaster" and has declared 2025 the "Year of the Family", promising incentives for parents. President Erdoğan is focusing on saving traditional family values, which he says are under threat, and is encouraging women to have at least three children. However, many in Turkey say it is the faltering economy - with inflation at around 35% - that is making it impossible to grow their families.If you'd like to get in touch with the programme, you can email us: businessdaily@bbc.co.uk Presented and produced by Emily Wither with Zeynep Bilginsoy(Picture: A mother holds her baby during a visit to Anitkabir, the mausoleum of Turkish Republic's Founder Mustafa Kemal Ataturk on National Sovereignty and Children's Day, a national holiday dedicated to children, in Ankara. Credit: Getty Images)

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Diplomatic correspondent Lazar Berman joins host Jessica Steinberg for today's episode. The government's weekly cabinet meeting is held in a secure location on Sunday after the IDF acknowledged it struck and killed the prime minister of Yemen’s Houthi government and several other ministers, and the Houthis have pledged to retaliate, says Berman. Following a Channel 12 report that three of Israel's top security officials are expected to argue that Israel should accept the current hostage deal that releases only some of the hostages, Berman believes Prime Minister Benjamin Netanyahu will continue to demand a comprehensive deal that releases all hostages, as he has been consistently calling for that and is backed by US President Donald Trump. Berman discusses his interview in Gaza with the IDF's 7th Armored Brigade, a combat team that lost six hostages, two of whom are still alive and four whose bodies are held by Hamas. The brigade is working to take down buildings controlled by Hamas to reach the underground tunnels. The current diplomatic situation revolving around the prime minister's recent statement recognizing the Armenian genocide committed by the Ottoman Empire in the early 20th century was presumably coordinated by Netanyahu with the Foreign Ministry, says Berman, possibly as a way of getting back at Turkey for its aggressive measures taken against Israel throughout the war. Check out The Times of Israel's ongoing liveblog for more updates. For further reading: Houthis, IDF confirm group’s prime minister, other top officials killed in Israeli strike Body of slain hostage Idan Shtivi identified days after recovery from Gaza ‘A wild gamble on hostages’ lives’: Defense chiefs to urge cabinet to eschew Gaza op, take deal For IDF’s 7th Brigade, return to Gaza City is personal: Six of its crew are held hostage In first, Netanyahu says he recognizes Armenian genocide Israeli airlines say they’re still traversing Turkish airspace despite declared closure Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by Podwaves.See omnystudio.com/listener for privacy information.

What links the Church of the Nativity in Bethlehem and St Peter's in Rome with the 16th Street Baptist Church in Birmingham, Alabama, and Canaanland in Ota, Nigeria? These are just some of the churches that Anglican priest and writer the Revd Fergus Butler-Gallie highlights in his new book Twelve Churches: An Unlikely History of the Buildings that made Christianity. The Anglican priest and writer joins Damian Thompson on Holy Smoke to explain how each Church not only tells a story but also raises a surprising dilemma for modern believers.Fergus aims to tell the history of the Churches 'warts and all' and argues that, from Turkey to Britain, today's Christians must be prepared to defend their religious spaces. Also, why is the Church of England one of the worst offenders when it comes to preserving its heritage? Produced by Patrick Gibbons. Hosted on Acast. See acast.com/privacy for more information.

Brother Bayram came to the United States from Türkiye (Turkey) to further his education. He started a business, where one day a Christian customer gave Bayram a New Testament. He began to read it, the beginning of a path that would lead him to faith in Jesus Christ as Savior and the Son of God. It was a costly decision: his devout Muslim wife divorced him and wouldn't allow him to see their daughter. His brother had Bayram committed to a mental hospital, thinking anyone who would leave Islam was mentally unstable. It has been a difficult road, but Bayram's faith has only grown stronger as he has seen God work in his life and his country. Listen as he shares the story of his journey to Christ, and how his family pressured him to return to Islam and persecuted him for his Christian faith. He'll also share stories of others still meeting Jesus in Türkiye. Bayram will encourage and instruct listeners about how we—like the woman who gave him a New Testament—might help lead Muslims where we are toward Christ. You can connect online with Brother Bayram and his ministry at www.albtci.org. We'll finish this conversation with Bayram next week on VOM Radio. Between now and then, you can hear David Byle tell his story of persecution in Türkiye. You may also be interested in hearing American Pastor Andrew Brunson and his wife, Norine, tell their story of imprisonment and persecution in Türkiye. The VOM App for your smartphone or tablet will help you pray daily for persecuted Christians throughout the year, as well as provide free access to e-books, audiobooks, video content and feature films. Download the VOM App for your iOS or Android device today.

Send us a textActs 13 is an example of how the Apostle Paul shared the Good News of Jesus with the people in Antioch of Pisidia. This young church, in today's southern Turkey, was on Paul's first missionary journey and was likely the church to which Paul wrote the letter to the Galatians. There are four principles we can learn and apply today from this passage: 1. Tailor the message to the recipient 2. Point to God's faithfulness in our own lives3. Focus on the resurrection of Jesus by sharing the assurance of salvation4. Keep the gospel message clear and simple: Believe in Jesus for eternal life (see John 3:16; John 6:47; John 11:25-26; 1 Timothy 1:16

In this episode of The President's Daily Brief:    First—Iran is back in the spotlight, as Britain, France and Germany announce plans to trigger crippling snapback sanctions on the Islamic regime previously suspended under the nearly defunct 2015 nuclear deal. The news comes as the U.N.'s nuclear watchdog warns that their inspectors are still being barred access to the mullahs' main nuclear enrichment sites. Later in the show—Israeli forces raided a former air-defense base near Damascus on Wednesday in their furthest foray into Syria since the fall of the Assad regime, reportedly dismantling devices used by Turkey to spy on Israel. Plus—Russia unleashes their second largest air assault on Ukraine since the war began, killing at least 21 civilians and damaging offices belonging to the European Union and the UK. In our 'Back of the Brief—President Trump officially hits India with secondary tariffs over their purchases of Russian oil, a move that could gut India's exports and cost the nation tens of billions of dollars. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting PDBPremium.com. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief.   YouTube: youtube.com/@presidentsdailybrief Stash Financial: Don't Let your money sit around. Go to ⁠https://get.stash.com/PDB⁠ to see how you can receive $25 towards your first stock purchase. Jacked Up Fitness: Get the all-new Shake Weight by Jacked Up Fitness at ⁠https://JackedUpShakeWeight.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Netanyahu recognizes the Armenian, Assyrian, and Greek genocides during his interview with Patrick Bet-David on the PBD Podcast. Turkey blasts the move as politically motivated, exposing deep rifts in Israel-Turkey relations and sparking emotional global reactions from Armenians, Assyrians, and Greeks.

In the ancient Yererouk Basilica in Armenia, near the border with Turkey, young engineers are using 3D digital technology to scan every part of the building. The aim is to recreate the church on a screen, in full-colour and in three dimensions. This is the digital preservation initiative, created by TUMO, the Center for Creative Technologies, based in Armenia's capital Yerevan. It is training young Armenians to use new technology and also to connect them to their their 2000-year-old Armenian Christian heritage. In 2023, the country lost control of numerous important religious sites, when the province of Nagorno-Karabakh was taken over by neighbouring Muslim Azerbaijan. The mountainous enclave, known as Artsakh to Armenians, has long been a disputed territory between the two countries. Despite the new peace agreement signed recently, the province is still closed to Armenians. International observers using satellite technology say dozens of important Christian sites have been damaged or destroyed. Julia Paul travels to Armenia to find out how drones and lasers are helping young Armenians to connect to and preserve their ancient Christian heritage. This episode of The Documentary, comes to you from Heart and Soul, exploring personal approaches to spirituality from around the world.

There's so much more to the figure of St. George than his battle with a dragon. Legends also tell of his grisly martyrdom, capture of a demon, and postmortem abilities to cure madness through contact with his relics. In the Holy Land, there is even a tradition syncretizing St. George with a a supernatural figure of Muslim legend. We begin with a look at a modernized take on the St. George legend, the annual Drachenstich, or “dragon-stabbing," held in the Bavarian town of Furth im Wald. Beginning in 1590 with a performer representing the saint riding in a church procession, George was soon joined by a simple, canvas dragon, which over time evolved into the the world's largest 4-legged robot used in the event today. 19th-century Drachenstich in Furth im Walld Mrs. Karswell  next reads for us the primary source for the dragon story, Jacobus de Voragine's collection of saint stories compiled around 1260, known as the Golden Legend. It popularized the tradition that George was a Christian soldier in in the Roman (Byzantine) army, born in Cappadocia, in central Turkey, and executed for refusing to bow to Imperial gods.  There is also a princes to be rescued from the dragon but no king gives George her hand in marriage, as you might expect.  Though Voragine set this episode in Libya, this setting  was not really retained i the  tradition. As one of early Christianity's "soldier saints," George held particular appeal for soldiers of the Crusades. We hear of two incidents of George leading Crusaders to victory as recounted in the Golden Legend and the Gesta Francorum (deeds of the Franks). When in 1483  William Caxton's English translation of the Golden Legend appeared, anecdotes of British interest were added, including George's connection to English knightood and The Order of the Garter. Elizabethan writer Richard Johnson featured George in his 1596 volume, Seven Champions of Christendom, elements of which were borrowed into mummers plays in which George became a hero.  We hear snippets of these. Returning to Germany, we learn how George was also said to have encouraged the armies of Friedrich Barbarossa at the Battle of Antioch during the Third Crusade. We then delve a bit more into the history of the Drachenstich performances. Some folksy details from 19th-century newspapers documenting the tradition are also provided. We then return to the Golden Legend for an account of George's martyrdom.  The location of this episode is not specified, but George's pagan nemesis here can be identified with Dacianus, the Roman prelate who governed Spain and Gaul. The tortures endured run the gamut from rack to hot lead, all of which are supernaturally endured until the saint is ultimately beheaded. Divine retribution in the form of fire falling from heaven is also included. Next, we investigate earlier sources adapted into Voragine's dragon story, the first known being an 11th-century manuscript written by Georgian monks residing in Jerusalem. George's background as a soldier from  Cappadocia is identical, as is the endangered princess, though the victory over the beast lacks elements of swordplay and is largely accomplished through prayer.  In this version, George is also responsible for the founding of a church complete with healing well. From the same manuscript, we hear a few more miracle stories, the "Coffee Boy" legend, George's defeat of a loquacious demon, a cautionary tale of a murderous and greedy hermit ostensibly, and a charming story involving a unhappy boy, George, and a pancake. We then take a look at the oldest St. George text probably written in Syria around the year 600. It's known as the “Syriac Passion of St. George," and details an extraordinary series of tortures so fantastical as to be declared heretical by the Church in the Decretum Gelasianum, probably within a century of the story's composition. 14th-cent Russian depiction of St. George's Martyrdom Digging a little deeper,

In this episode of Two Bees in a Podcast, Amy Vu and Jamie Ellis interview Dr. Irfan Kandemir from the Department of Biology and the Faculty of Science at Ankara University about beekeeping in Turkey. This episode ends with a Q&A segment. Check out our website: www.ufhoneybee.com for additional resources from today's episode. 

//The Wire//2300Z August 29, 2025////ROUTINE////BLUF: DIPLOMATIC TENSIONS INCREASE IN MIDDLE EAST AND SOUTH AMERICA. MINNEAPOLIS SHOOTING RESULTS IN INCREASED THREAT RISK AS MANY PEOPLE DECLARE SUPPORT FOR THE KILLER.// -----BEGIN TEARLINE------International Events-Middle East: Indications and warnings are growing regarding what may be a general increase in hostilities throughout the region. Yesterday, France, Germany, and the United Kingdom voted to begin the process of re-imposing the United Nations sanctions on Iran (the same sanctions that were lifted in 2015). In Gaza, the conflict continues as before, with the statements by the White House over the past few weeks giving the green light for another expansion of Israeli operations in Gaza City. This morning, the White House revoked the diplomatic travel visas of Palestinian Authority diplomats, so that they cannot travel to testify before the United Nations General Assembly.Analyst Comment: This could be nothing, or this could be the start of something. Overnight, Turkey inexplicably closed their airspace to all Israeli aircraft and has allegedly cut all economic ties with Israel. Separately, Germany issued warnings to all of their citizens in Iran to leave the country, mostly out of fear of retaliatory attacks. So far, these are very early indications of trouble, but the history of the region is proof that very little is needed for a war to kick off again.South America: US Naval operations continue off the coast of Venezuela, as Venezuelan forces increase territorial defense operations. Several low-level military exercises have been undertaken in Venezuela, and coastal gunboat patrols have increased over the past few days.Analyst Comment: So far, this is all just posturing from both parties. Venezuela has no real defense against American forces, so any real resistance to this "naval diplomacy" effort from the United States will carefully avoid any direct confrontation.-HomeFront-Florida: This morning a mass casualty event was reported on I-95 near Ives Dairy Road in Miami. 29x people were hospitalized due to injuries sustained when a semi truck failed to observe traffic congestion, rear-ending a long line of halted vehicles. The driver has not been identified, but is expected to face charges.-----END TEARLINE-----Analyst Comments: So far, the fallout from the Minneapolis Church Shooting has left more questions than answers. From a tactical standpoint, the shooter very clearly stated that he selected this Church as a target due to the staff being unarmed and thus unlikely to fight back. The killer also had drawn very crude sector sketches of the Church interior, mapping out the entry and exit points in the Nave. The killer also made statements of specifically avoiding behavioral actions that might tip off authorities that he was planning this attack, indicating that this had been in the works for some time.Similarly, online rhetoric has been exceptionally severe following this attack, with hundreds (if not thousands) of accounts online supporting the killer. There is even one company selling T-shirts with the killers face, declaring support for his actions. One Massachusetts man posted a video online encouraging further attacks on Christian institutions, and many others have also declared the intent to carry out other attacks (though without providing specific and actionable details). In short, the online atmosphere among the usual suspect platforms (Reddit, Discord, etc), has indicated that the threat of copycat attacks is higher than usual. It's hard to say how serious most of these threats are, however the sheer number of people who have expressed support for this attack should not be ignored and should be taken seriously out of an abundance of caution.Analyst: S2A1Research: https://publish.obsidian.md/s2underground//END REPORT//

Psych & Microphone Speaker back at it talking about Psych's Turkey trip, GTA heists & Rampage Jr....Send us a textBuzzsprout - Let's get your podcast launched!Start for FREEDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

TRIPP down Zangezur Corridor, Armenian EconomyConversations on Groong - Recorded on: August 28, 2025TopicsPashinyan, Aliyev, in the White HouseWhat “Peace”?Armenian EconomyGuestProf. Jeffrey SachsHostsHovik ManucharyanAsbed BedrossianEpisode 466 | Recorded: August 28, 2025Subscribe and follow us everywhere you are: linktr.ee/groong

Jewish Policy Center Senior Director Shoshana Bryen hosted Professor Mark Meirowitz, a foreign policy and Turkey expert from SUNY Maritime College, for a deep dive into Ankara's growing regional role, its involvement in Syria's evolution, and its increasingly fraught relationship with Israel. With characteristic clarity and urgency, Prof. Meirowitz broke down the labyrinth of regional alliances and rivalries, calling the situation “literally mind-boggling” and comparing Syria to a “petri dish for chaos.” HTS, Al-Shara, and the Shake-up in Syria The ousting of Bashar Assad by the jihadist group Hay'at Tahrir al-Sham (HTS), led by Ahmed al-Shara (also known as al-Jolani), marks a significant shift in Syria's power structure—and possibly the region's. Once associated with al-Qaeda and ISIS, al-Jolani now wears suits and promotes a veneer of moderation. “Maybe the Turks provided him with some of these outfits,” Meirowitz quipped, questioning the authenticity of his transformation. Al-Jolani was “boosted by” Turkish support, Meirowitz explained, calling him a Turkish client rather than an independent actor. HTS's limited control—bolstered by foreign fighters like Uyghurs—has led to violent, sectarian repression, particularly against Alawites, Druze, Christians, and Kurds. “We're with al-Shara, and a lot of people are depending on him,” Meirowitz said ominously. Turkey's Interests: Stabilizing Syria to Serve Domestic Needs Turkey's involvement, Meirowitz stressed, is strategic. With over 3 million Syrian refugees inside its borders, Ankara is pressuring Damascus to stabilize and repatriate them. “The Turks want them back to Syria,” he said, noting the domestic strain and political sensitivity of the refugee crisis. Turkey has walked a fine line—signing infrastructure and defense agreements with HTS-controlled Syria while avoiding giving it full military autonomy. “Turkey's position is that Al-Shara is the go-to person… Let al-Shara unify the country,” Meirowitz explained. But internal Kurdish dynamics—particularly involving PKK, now in peace talks with Erdogan's government—make full alignment with HTS and Syrian Kurds tenuous. Will Turkey's NATO Membership Complicate It All? One of the more sobering insights from Meirowitz was the hypothetical scenario of Turkey, a NATO power, declaring a no-fly zone over Syria—potentially triggering Article 5 protections if hostilities break out with Israel. “That, to me, is the number one worry… that Israel and Turkey would come to conflict,” he warned. He emphasized the ongoing “deconfliction meetings” between Israel and Turkey, and Israel and Syria—possibly triangulating with al-Jolani himself. But of all the moving parts, Meirowitz emphasized Turkey's NATO status remains a critical leverage point: “Let's be realistic here. If there was a skirmish…Article 5 could be on the table.” Humanitarian Crises and Jihadi Control: Who is Really Running Syria? The ongoing massacres of minorities, particularly the Druze in Suweida, raise urgent questions about al-Jolani's power. “Has he lost control over the jihadis in his own ranks?” Meirowitz pondered, highlighting the grim possibility of Syria spiraling toward becoming a full-blown jihadi state. “The optics are totally opposed to [the idea of moderation],” he said, noting public executions and forced beard-shaving of Druze men as disturbing parallels to Nazi visual propaganda. “Clearly, this is reprehensible. The United States isn’t going to stand for it,” he added, referring to conditional American Congressional support for lifting sanctions on Syria.  Erdogan's Domestic Calculations: Kurds, Elections, and Power Turning inward, Turkey's President Erdoğan is eyeing another term in 2028. Despite constitutional term limits, he may seek early elections or amendments—with the support of Kurdish parliamentarians. “He’s very popular in Turkey,” Meirowitz said, crediting Erdoğan's projection of Turkey as a global power broker. “Turkey's been made into a player on the world stage.” However, he noted Turkey's lira is down, inflation is high, and economic growth is tenuous beneath the surface. This tension is compounded by Erdoğan's crackdown on political opponents, including jailing rivals and invalidating degrees to prevent candidacies. The Bigger Stage: Turkey in Africa, NATO, and the UN Turkey's ambitions extend far beyond Syria. From military expansion in Africa to attempting alignment with BRICS and the Shanghai Cooperation Organization, Ankara aims to diversify its global relevance. “They see themselves as undervalued,” noted Meirowitz. “It's not aggrandizement—it's coming from a feeling of being ignored.” Erdogan's call that “the world is bigger than five” is a veiled critique of the UN Security Council's permanent members—hinting at Turkey's desire for global restructuring that reflects its new stature. “They're trying to flex their muscles,” as one webinar participant insightfully noted.  Israel, Hamas, and the Limits of Pragmatism Meirowitz criticized Turkey's staunch support for Hamas and Hezbollah, calling it “a rabbit hole of disaster.” While support for Palestinian causes earns Erdogan domestic points, it's constraining Turkey's global relationships. “If everybody's a freedom fighter, that doesn't fly,” he said. At times, Israel and Turkey have found pragmatic partnership—like continued trade and oil transits during Syria's civil war—but the anti-Israel posture, sanctions, and rhetoric place those gains at risk. “We need to get together,” Meirowitz relayed from a Turkish businessman. “We like the same things… same food… same values.” Final Thoughts: Cautious Optimism, But Beware the Fault Lines In his closing remarks, Prof. Meirowitz struck a “guarded optimism” tone for Turkey's trajectory. “I believe Turkish leadership is going to give further thought to these directions,” he said, hoping Ankara will reconsider its Hamas alliance for more fruitful cooperation with Israel and the West. Bryen offered sober context: “Israel and Iran were friends once, too—until they weren't.” As Prof. Meirowitz put it, “Hamas is not a future for Turkey.” As the region’s political tectonics keep shifting, one question looms: Will Turkey's pragmatism prevail over ideology—or will ambition lead it down a path of strategic overreach? The answer, as Bryen put it, remains a moving thread.

In this gripping second part of Episode 254 of the Mike Drop podcast, host Mike Ritland sits down with former Green Beret Mark Gianconia to explore his extraordinary career in special operations. Unlike many post-9/11 operators, Mark's journey began in Kosovo, working alongside Russian forces in a vastly different operational landscape. Returning just before the 9/11 attacks, Mark shares his visceral reaction to the tragedy and how it propelled his unit into action. This episode takes you deep into his covert missions in Iraq, including the daring Advanced Force Operations (AFO) infil via rental cars from Turkey and the intense Operation Viking Hammer against terrorist strongholds like Ansar al-Islam. Expect raw, firsthand accounts of unconventional warfare, coordination with Kurdish allies, and the chaos of combat in the early days of the Iraq War. From dodging mortar fire to orchestrating airstrikes, Mark's stories offer a vivid window into the high-stakes world of special forces during a pivotal moment in history. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The inaugural episode of Kickback Travel kicks off with No Brakes Nu' and special guest Heidi B as she takes us through her solo adventures across Athens, Santorini, Mykonos, Kusadasi, Istanbul, Milan, Florence, Pisa, Venice, Versailles, and Paris.From the party life of Mykonos to the postcard beauty of Santorini, Heidi paints the perfect picture of Greece. We explore the culture of Turkey—spice racks, castles, shisha flavors, and the art of bartering—and dive into the romance (and grit) of Paris, where a dinner cruise with the Eiffel Tower as your backdrop is the ultimate date. Along the way, we accidentally discover that “The Eiffel Tower” is also a wild sex position

Chronicle of a death live-streamed, all aboard the Alpbach Express, fear and loathing in the British provinces, Turkey cashes in on the Syrian reconstruction bonanza and an Inside Europe Sports Special featuring Slovenian cycling legend Tadej Pogacar (yes - you heard that right!). **Content warning: our first item contains reference to physical and psychological abuse**

What links the Church of the Nativity in Bethlehem and St Peter's in Rome with the 16th Street Baptist Church in Birmingham, Alabama, and Canaanland in Ota, Nigeria? These are just some of the churches that Anglican priest and writer the Revd Fergus Butler-Gallie highlights in his new book Twelve Churches: An Unlikely History of the Buildings that made Christianity. The Anglican priest and writer joins Damian Thompson on Holy Smoke to explain how each Church not only tells a story but also raises a surprising dilemma for modern believers.Fergus aims to tell the history of the Churches 'warts and all' and argues that, from Turkey to Britain, today's Christians must be prepared to defend their religious spaces. Also, why is the Church of England one of the worst offenders when it comes to preserving its heritage? Produced by Patrick Gibbons.Become a Spectator subscriber today to access this podcast without adverts. Go to spectator.co.uk/adfree to find out more.For more Spectator podcasts, go to spectator.co.uk/podcasts. Contact us: podcast@spectator.co.uk Hosted on Acast. See acast.com/privacy for more information.

Pope Francis and thousands of visitors and pilgrims at his general audience prayed for the victims of the earthquakes that devastated the region along the border of Turkey and Syria. Bishop David Malloy, International Justice and Peace Chairman, called for prayer and financial aid for the victims and relief workers. The Pontifical Council for Justice and Peace and the International Union of Superiors General designated February 8 as an annual day of prayer and awareness against human trafficking. February 8 is the feast day of St. Josephine Bakhita, patron saint of victims of modern slavery and human trafficking. Pope Francis recently concluded his historic visit to the Democratic Republic of the Congo and South Sudan. He prayed with South Sudan's Christians for peace and spoke about the important role of women in peacebuilding.

Bishop Frank Caggiano, Chairman of the Subcommittee on the catechism, joined the show this week to discuss the future of formation and how United States Bishops are responding to the changing catechetical landscape. Following the tragic events in Southeast Turkey and Northern Syria, we spoke with Msgr. Peter Vaccari, the president of the Catholic Near East Welfare Association (C.N.E.W.A), about relief efforts in Syria and Turkey.

No gators on this menu.The writer Carl Hiaasen is best known for his satirical crime novels set in Florida. His 1993 novel Strip Tease was adapted into a movie starring Demi Moore. And the Apple TV+ series Bad Monkey is based on his 2024 book of the same name.Carl has written dozens of books for both adults and young readers. His latest, Fever Beach, involves “dark money and even darker motives,” as the description on his website reads.Carl's No. 1 motive during the workday is to write—even if that means eating the same lunch on repeat to help put himself in the zone.The South Florida native caught up with Dalia from his home in Vero Beach. In this conversation, he discusses the role food plays in his books and in his writing practice. Related episodes:Author & Restaurateur Randy Wayne White on Rum, Hot Sauce & His Latest Doc Ford NovelAuthor Craig Pittman on Quirky—and Hilarious—Florida Food StoriesMarjorie Kinnan Rawlings' “Cross Creek Cookery” Turns 80: Reflections from Food Writer Jeff Houck

30 years is a long time to be tour guide. That's why we are taking this episode to celebrate with our Turkish guide, Ozan! It's not an easy job, but it is an interesting one when you are leading tours through an amazing country like Turkey. Many people don't realize what a hidden gem this country is! With thousands of years of history, diverse people, stunning landscapes, and delicious food, what's not to like? Don't forget its biblical significance as Asia Minor, the home of the 7 Churches of Revelation, and the birthplace of the Apostle Paul. Nearly 90% of the New Testament was either written to, from, or about someone in Turkey (Asia Minor)! If you want to visit someplace special and have a guide who really connects you to the country, join us in April 2026 and meet our incredible guides: Ozan, Gokhan and Dogan. You'll never read the New Testament the same!https://gtitours.org/trip/signature-turkey-greece-2026

Be alert and of sober mind. Your enemy the devil prowls around like a roaring lion, looking for someone to devour. — 1 Peter 5:8 Appreciation for cats is not universal. Kittycats, like lions, evoke a mixed response. In the Bible a lion can represent the sovereign strength of God—as in “the Lion of the tribe of Judah” (Revelation 5:5). Or think of Aslan, who represents Jesus in the Chronicles of Narnia. Peter mentions a different sort of lion, though, at the end of his first letter to early Christians in the New Testament. And he warns that this lion is hunting for believers in Christ. What's going on? Though many years had passed since the dramatic events of Jesus' death and resurrection, Peter continued to reflect on those early days of the church, knowing that Christians in later years would face opposition because of their faith in Christ. The same is true for many Christians throughout the world today. As he wrote from Rome to Christians who faced persecution in Asia Minor (present-day Turkey), Peter warned his readers, “Be alert and of sober mind.” Peter knew that he had failed in the past, and now he better understood why. So he warned Christians to be wary of their great enemy, the evil one, who, like a roaring lion, wanted to devour them. Knowing his own experience, Peter also offered a promise. God cares for us and will help us resist and stand firm. But when we fail, God will also restore us, as he did with Peter. Jesus, thank you for standing firm for us. Please help us to stand firm for you. Amen.

This week, we're off to the Cairngorms of Scotland with anthropologist, food journalist and woman of the wilds, Ghillie Basan.After bringing the food of Turkey, Morocco, Lebanon, The Middle East, Malaysia, Vietnam, Cambodia, Indonesia and Kenya to an international readership hungry for different flavours and food cultures, Ghillie's latest book, Food Whisky Life focuses more on her own life. It's a story of resilience, enterprise and whisky, getting on with it as a single mum in the wilds and pulling brilliant ideas out of the bag to make life work deliciously.You can buy Food, Whisky, Life from the Cooking the Books shop at Bookshop.org which supports independent bookshops. And head over to Gilly's Substack for Extra Bites of Ghillie. Hosted on Acast. See acast.com/privacy for more information.

No gators on this menu.The writer Carl Hiaasen is best known for his satirical crime novels set in Florida. His 1993 novel Strip Tease was adapted into a movie starring Demi Moore. And the Apple TV+ series Bad Monkey is based on his 2024 book of the same name.Carl has written dozens of books for both adults and young readers. His latest, Fever Beach, involves “dark money and even darker motives,” as the description on his website reads.Carl's No. 1 motive during the workday is to write—even if that means eating the same lunch on repeat to help put himself in the zone.The South Florida native caught up with Dalia from his home in Vero Beach. In this conversation, he discusses the role food plays in his books and in his writing practice. Related episodes:Author & Restaurateur Randy Wayne White on Rum, Hot Sauce & His Latest Doc Ford NovelAuthor Craig Pittman on Quirky—and Hilarious—Florida Food StoriesMarjorie Kinnan Rawlings' “Cross Creek Cookery” Turns 80: Reflections from Food Writer Jeff Houck

Why Long-Range Hunting Is Easier Than You Think (w/ Brian Wiese) | 100% Wild Podcast Ep. 441 Join host Matt Drury and guest host Jim Richman for a wide-ranging conversation with Brian Wiese of the Drury Outdoors team and co-host of Critical Mass. This episode dives deep into long-range rifle shooting, the power of suppressors, and how Brian and his partner Cody use 14+ POV cameras to capture some of the most dynamic and cinematic hunting footage in the game. They discuss how modern scope technology (like Leupold's CDS dials) makes 400-yard shots accessible, the balance of recoil and precision with cartridges like the 6.8 Western, and how suppressors are changing the game—not just for accuracy but also for ethical, effective deer management. Plus, the crew shares behind-the-scenes insight into a 12-hour spot-and-stalk hunt, dealing with an influx of mountain lions on their Nebraska properties, and how scent control is critical when you're placing cameras right in a buck's exit path. Topics Covered: Long-range shooting simplified Suppressors: why you should be using one The 6.8 Western vs. 300 Win Mag POV camera setup tips for self-filming hunts How they shot a buck from 165 yards prone Mountain lions affecting deer population Scent control and camera placement strategies Why Brian and Cody don't need 180" bucks to tell great stories Timestamps 00:00 – Intro: The creepiest rabbit you've ever seen 00:17 – Welcome to the podcast + guest intros 01:21 – Origins of the team meet-up in St. Louis 02:38 – History of the Shoot to Thrill Awards 04:00 – Brian's camera work on Critical Mass 04:23 – Long-range shooting fundamentals 06:05 – How custom CDS dials work (Leupold) 07:51 – Shooting in wind and bullet BC explained 09:44 – 6.8 Western vs 300 Win Mag – recoil & knockdown 11:13 – Why suppressors change everything 13:09 – Caliber choices for kids and low recoil hunting 14:00 – Finding the right ammo for your rifle 16:05 – Sponsor: Tenzing Backpacks 16:25 – Brian's 12-hour spot-and-stalk hunt story 19:10 – Why shooting position proficiency matters 21:17 – Hunting with a 2D decoy for stealthy stalks 22:00 – Optics preferences: VX-5 3-15x44 23:01 – Grouping performance and ammo selection 25:00 – Sponsor: Victory Archery 25:13 – How they get those crazy POV angles 27:00 – Scent control protocols for ground camera setup 28:55 – Making 140" deer look like 200" on camera 30:00 – Turkey decoys with cameras inside 31:30 – How they pre-plan camera placements 32:44 – Mountain lions affecting Nebraska deer herds 36:00 – Range and habits of midwestern mountain lions 38:05 – Predator vocalizations and creepy encounters 39:00 – Cody's struggle with low deer numbers 39:56 – Why they prioritize real, raw hunting reactions 40:41 – Sponsor: Victory Archery 41:00 – Segment: “Matt & Jim vs. the Internet” begins Join the Rack Pack Facebook Group : https://www.facebook.com/share/g/n73gskJT7BfB2Ngc/ Get ahead of your Game with DeerCast available on iOS and Android devices App Store: https://itunes.apple.com/us/app/deercast/id1425879996 Play Store: https://play.google.com/store/apps/details?id=com.druryoutdoors.deercast.app Don't forget to stock up for your next hunt! 1st Phorm has you covered! Protein Sticks: https://1stphorm.com/products/protein-sticks-15ct?a_aid=DruryOutdoors Level-1 Bars: https://1stphorm.com/products/level-1-bar-15ct?a_aid=DruryOutdoors Energy Drinks: https://1stphorm.com/products/1st-phorm-energy?a_aid=DruryOutdoors Hydration Sticks: https://1stphorm.com/products/hydration-sticks?a_aid=DruryOutdoors Send us a voice message on Speakpipe! https://www.speakpipe.com/100PercentWild?fbclid=IwY2xjawHG5cpleHRuA2FlbQIxMAABHS-OqetdhlMV6LGrV5KfUBO7fjYcduyut_LzgxrQnEgBbe_vPXGCMgF1Sw_aem_ZmFrZWR1bW15MTZieXRlcw For exciting updates on what's happening on the field and off, follow us on social Facebook: http://www.facebook.com/OfficialDruryOutdoors Instagram: @DruryOutdoors Twitter: @DruryOutdoors Be sure to check out http://www.druryoutdoors.com for more information, hunts, and more! Music provided by Epidemic Sound http://player.epidemicsound.com/

What happens when rigorous science meets the world of Reiki? In this illuminating conversation, host Andrea Kennedy sits down with Dr. Natalie Dyer—research scientist, Reiki Master, and President of the Center for Reiki Research—to explore the evidence behind energy healing and its place in the future of healthcare. From oncology wards to NICUs, Dr. Dyer reveals groundbreaking studies showing Reiki's impact on pain, anxiety, fatigue, and even inflammation—plus exciting new research on cancer cell models, mental health, and distance healing. She shares her vision for Reiki in every hospital, practical advice for practitioners wanting to volunteer or get paid roles in healthcare, and the global shift toward integrative medicine, including surprising insights from Turkey and Silicon Valley philanthropists. This is a hopeful, data-driven, and deeply human look at why Reiki works, how it's measured, and what's next for making it truly mainstream.✨ Learn more about Dr. Natalie Dyer https://drnataliedyer.com/Time Stamps:00:00 – Clinical improvements with Reiki in cancer care00:21 – Welcome and podcast introduction00:56 – Introducing Dr. Natalie Dyer01:22 – Dr. Dyer's background and Reiki research02:24 – The Center for Reiki Research: origins and mission04:47 – Reiki in hospitals and healthcare facilities09:03 – Volunteer vs. paid Reiki positions in hospitals13:24 – How to get involved with Reiki in hospitals22:51 – Research findings: Reiki's impact on symptoms27:03 – Moving toward disease outcome research32:33 – Challenges in Reiki research and holistic health39:34 – Reiki's role in mental health care44:05 – Distance Reiki: research and findings47:54 – How listeners can get involved in research53:07 – Center for Reiki Research: membership and resources54:50 – Learn more about Dr. Natalie Dyer56:54 – Closing remarks and show informationResources Center for Reiki Research – Membership, webinars, and full library of evaluated studies: https://centerforreikiresearch.com/ Center for Reiki Research Conference – Annual virtual gathering for researchers, practitioners, and healthcare providers (Oct. 4–5, 2025) https://centerforreikiresearch.com/conference-registration/ 

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In this episode of WorldView with Swasti, Dr Swasti Rao, Consulting Editor and Foreign Policy Expert, speaks with Gregory Priolon, former Intelligence Analyst at the French Air Force and Expert at “Intelligence Online”. The discussion uncovers risks of military technology leakage as global air-to-air warfare evolves. From expansion of the “Rafale Club” to the role of Pakistani pilots accessing Rafale's EW suite through countries like Qatar, the discussion highlights the dangers of cross-cutting defence value chains. This episode dives deep into the vulnerabilities surrounding the Rafale ecosystem and its electronic warfare suite, Spectra, through sales to countries that are detrimental to India's interests. The conversation highlights why Rafale exports to certain countries like Qatar and potentially to Bangladesh should raise red flags for India, how Qatari training programmes could expose sensitive systems to Pakistani pilots and the growing challenge posed by Turkey's expertise in reverse engineering. With Rafale central to both France's nuclear doctrine and India's frontline fleet, the episode closes by stressing why New Delhi must demand stronger guarantees in the next Rafale deal (MRFA) and build more sovereign countermeasures to safeguard its technological edge. #rafale #operationsindoor #pakistan #france #china #trump #defense

Prime Minister Benjamin Netanyahu has for the first time recognized the genocide carried out by Ottoman Empire against Armenians in the early 20th century. He made the comment in an English language podcast interview with Patrick Bet-David. Armenians have long sought international recognition of the killings by the Ottoman Empire, which reportedly left some 1.5 million of their people dead, as a genocide. Turkey strongly rejects the genocide claim. KAN's Mark Weiss spoke with Yoav Lev who teaches Armenian Studies at Jerusalem's Hebrew University. (Photo: Reuters)See omnystudio.com/listener for privacy information.

State Sovereignty Day, TRIPP Trap, Reactions, Kitchen SinkGroong Week in Review - August 24, 2025TopicsAugust 23: Armenia's declaration of State SovereigntyThe TRIPP TrapIran - Pezeshkian's VisitRussia - Overchuk's visitThe Kitchen SinkGuestTevan PoghosyanHostsHovik ManucharyanAsbed BedrossianEpisode 464 | Recorded: August 25, 2025Subscribe and follow us everywhere you are: linktr.ee/groong

In this episode of the Canary Cast, Florian Hagenbuch, Co-Founder and General partner at Canary, sits down with Jose Gedeon, co-founder and CEO of Cobre, a Colombian fintech building the real-time B2B payments and cross-border infrastructure powering finance teams across Latin America. From his early fascination with M-Pesa’s case at the University of Pennsylvania, to failed attempts at building his own mobile money business in Colombia, a stint as a consultant at McKinsey New York, and a role at Oyo in Mexico, José shares how each chapter of his journey shaped the vision for Cobre. What started as white-label wallets for meal vouchers during the pandemic evolved into Colombia’s leading real-time B2B payments platform, now expanding rapidly into Mexico and cross-border flows. During the episode, José reflects on the unique challenges of scaling a fintech in LatAm, the pivotal customer moments that unlocked entirely new business lines, and the ambition of turning Cobre into the default infrastructure for payments across the region. In this episode, we dive into: From White-Label Wallets to Infrastructure: How Cobre pivoted from building digital wallets for meal vouchers into real-time B2B payments and treasury management. Cross-Border Breakthroughs: The customer emergency that sparked Cobre’s cross-border product and how it led to a new revenue line. The Role of Stablecoins: Why stablecoins are becoming increasingly relevant in illiquid or high-cost currency corridors like Colombia, Turkey, and Argentina. Scaling in Mexico: How Cobre reached $100M in monthly volume in only 8 months in Mexico—10x faster than in Colombia. Vision for the Future: Why Jose believes it’s still “day zero” for Cobre and how the company aims to become the de facto B2B payment infrastructure for LatAm. Founder Lessons: Biggest mistakes, wins, and the cultural values that define the Cobre team. Whether you’re a founder, operator, or fintech enthusiast, this episode offers a masterclass in product pivots, client-focused culture, scaling infrastructure in emerging markets, and building with ambition in one of the most dynamic regions in the world. Tune in to hear how Cobre is not only modernizing payments in Colombia and Mexico, but also shaping the future of financial infrastructure across Latin America. Guest: Jose GedeonJose is the co-founder and CEO of Cobre, a fintech modernizing B2B payments and cross-border infrastructure in Latin America. Cobre moves billions annually, already processing ~3% of Colombia’s GDP, and recently raised its Series B led by Oak HC/FT, with participation from Canary and other global investors. Follow Jose on LinkedIn Host: Florian HagenbuchFlorian is the co-founder and General Partner at Canary, a leading early-stage investment firm in Brazil and Latin America. Canary has invested in more than 130 companies since its founding in 2017. Previously, Florian founded Loft, a company that digitized and transformed the home buying experience in Brazil, bringing transparency, liquidity, and credit to millions of Brazilians. Before that, Florian also co-founded Printi, the leading online printing marketplace in Latin America. Follow Florian on LinkedInHighlights:00:55 – 07:30 | Jose's Background & Early Influences07:30 – 08:08 | The Impact of COVID on Colombia's Financial Digitization08:10 – 11:07 | University Years, Early Attempts & Lessons Learned11:16 – 14:47 | Corporate Finance Pain Points Cobre Set Out to Solve & the First Iteration: White-Label Wallets14:55 – 16:11 | Cobre's First Business Model and Learnings on Pricing Power and Revenue Potential16:20 – 18:57 | Pivot to Real-Time B2B Payments and Building Colombia's First and Only Real-Time B2B Payment Infrastructure19:00 – 21:00 | Bre-B, the "PIX" of Colombia21:02 – 26:19 | Expansion into Cross-Border Payments and Different Customer Bases26:20 – 28:54 | Money Corridors in Colombia29:00 – 32:22 | Stablecoins & Tech Stack in Cross-Border Payments33:00 – 36:00 | Expansion to Mexico & Early Learnings 36:00 – 37:00 | Key Numbers, Scale & Vision37:00 – 43:07 | Future Plans and Raising Successful Venture Rounds43:08 – 47:40 | Founder Lessons & Culture47:40 – 52:12 | Conclusion: Recommended Content for ListenersRecommended Content: 1. Elon Musk biography by Walter Isaacson2. The World for Sale by Javier Blas and Jack Farchy3. Read, Write, Own by Chris DixonTranscrição do Episódio em Português: Hoje, estamos movimentando cerca de 3% do PIB da Colômbia dentro da Cobre.É um número muito grande.Mas, ao mesmo tempo, também é pequeno.Copo meio cheio, copo meio vazio.Isso nos dá bastante espaço para crescer. Agora, mudando para o inglês, para facilitar um pouco para você.José, muito obrigado por estar aqui. Agradeço por dedicar seu tempo. Estou muito animado para conversar com você. Como contexto, o José é cofundador e CEO da Cobre, uma fintech colombiana que está se expandindo para o México. Vocês rapidamente se tornaram uma das principais plataformas de pagamentos B2B em tempo real e de gestão de tesouraria corporativa na Colômbia — e, em breve, também no México. Sob sua liderança, muitas coisas empolgantes aconteceram. Vocês já escalam para centenas de empresas nesses dois países. Estão movimentando algo em torno de 18 bilhões em volume anual em folha de pagamento e pagamentos a fornecedores.E, o mais importante, estão se tornando uma camada crítica de infraestrutura para times financeiros modernos na região. Estou muito animado com este episódio, em mergulhar na sua jornada empreendedora, José, como a Cobre está modernizando os pagamentos corporativos, o cenário fintech na América Latina de forma mais ampla e, claro, a visão que você tem para o futuro da companhia. José, obrigado por se juntar a nós. É um prazer enorme ter você aqui hoje. José:Florian, o prazer é meu. A Canary foi a primeira firma de venture capital que acreditou na Cobre — e também o primeiro investimento de vocês fora do Brasil. Na época, nós até dissemos ao Marcos que expandiríamos para o Brasil… ainda não aconteceu.Mas tem sido uma ótima história até aqui, e vocês têm sido apoiadores incríveis. Obrigado. Florian:Sim, lembro bem disso. Inclusive, naquela época vocês tinham outro nome, não era? Acho que era “Pexto”, se não me engano.As coisas mudam, mas estamos felizes que deu certo. José, talvez possamos começar um pouco falando do seu histórico e da sua trajetória pessoal. Pode nos contar sobre sua origem e o que você fazia antes de empreender? José:Claro. Eu nasci e cresci em uma cidade pequena da Colômbia chamada Cartagena. Hoje é turística e bastante conhecida, mas, quando eu crescia lá, era apenas um destino nacional, relativamente pequeno. Eu, inclusive, nasci em Barranquilla porque minha mãe era de lá — que é ainda menor.De Barranquilla vêm muitas coisas conhecidas: Shakira, a Avianca (nossa companhia aérea nacional), e as últimas duas empresas colombianas que abriram capital nos EUA também são de lá.É uma cidade muito empreendedora. Talvez um bom precedente para a Cobre, não é? Venho de uma família de imigrantes libaneses — extremamente trabalhadores e empreendedores. Cresci aprendendo, por osmose, o que significava ser um empresario. Homens e mulheres da minha família sempre fundaram e até hoje administram empresas. Era um ambiente muito natural para acabar trilhando o caminho que trilhei. Depois tive o privilégio de estudar na Universidade da Pensilvânia. Meu primo Felipe — hoje cofundador da Cobre — estudava lá um ano antes de mim. Eu nunca achei que conseguiria entrar, mas consegui, e fui para a Penn cursar a graduação. No meu primeiro ano, li um business case sobre a M-Pesa, considerada precursora do dinheiro móvel — e, por consequência, de boa parte do que chamamos hoje de fintech: Zelle, Venmo, Paytm, GCash…A ideia original surgiu da M-Pesa, um serviço criado pela Vodafone que permitia às pessoas enviar dinheiro via SMS. Hoje, algo como 20% do PIB do Quênia transita pela M-Pesa. É completamente ubíquo. Inspirado nisso, tentei várias vezes criar algo parecido na Colômbia durante meus verões na Penn, mas obviamente falhei — afinal, eu não era uma empresa de telecomunicações. Ainda assim, essa experiência me mostrou como uma infraestrutura de pagamentos em tempo real poderia transformar a vida de milhões de pessoas e empresas. Ao me formar, voltei para a Colômbia para tentar de novo. E falhei mais uma vez. Foi aí que percebi: “o problema sou eu, preciso aprender a construir empresas de verdade”. Então fui trabalhar na McKinsey em Nova York. Passei um ano e meio lá e tive como cliente uma das maiores gestoras de venture capital do mundo. Eu era apenas analista júnior na equipe, mas aprendi muito sobre como os VCs pensam. Isso me levou a largar o emprego em Nova York e me mudar para a Cidade do México, para trabalhar na Oyo Rooms, um dos grandes unicórnios da Índia. A ideia era aprender mais sobre startups de hiperescala do que eu aprenderia ficando na consultoria. Fiquei um ano e meio na Oyo — até a pandemia começar. Com a COVID, percebi: “este é o momento certo para digitalizar pagamentos na Colômbia”. As empresas estavam forçadas a mudar. E foi quando decidi voltar a Bogotá, em junho de 2020, para tentar mais uma vez. E agora, cá estamos. Florian:Muito interessante. Não sabia de todas essas tentativas que não deram certo antes.Aliás, eu também estudei na Penn, me formei em 2010. Você foi alguns anos depois, certo? José:Sim, me formei em 2018. E naquela época, o ambiente ainda era mais voltado para carreiras tradicionais. A maioria queria ir para consultoria, bancos de investimento ou fundos. Eu era um dos poucos insistindo em empreender já na graduação. Participei até de competições de startups do MBA, porque não havia para undergrad. (continua na mesma estrutura — alternando Florian / José, até o final da conversa que você compartilhou).

In this episode of The Poultry Nutrition Blackbelt Podcast, Dr. Karen Vignale from Kemin discusses turkey dermatitis and its impact on gut health. She shares insights into the causes of dermatitis in turkeys, its connection to gut permeability, and how a nutritional tool can help mitigate the issue. Tune in now on all major platforms!"Using a combination of probiotics and phytogenics, we were able to reduce Clostridium levels, improve performance, and manage secondary infections."Meet the guest: Dr. Karen Vignale is a Senior Technical Service Manager at Kemin Animal Nutrition and Health. With a Ph.D. in Poultry Nutrition, she brings 20 years of experience working in the poultry industry across both Peru and the U.S. Karen specializes in addressing turkey health challenges, particularly gut health and performance.Liked this one? Don't stop now — Here's what we think you'll love!Dr. Vanessa Iseri: Emulsifiers & Feed Efficiency | Ep. 61Dr. Jerry Spears: Chromium in Poultry Diets | Ep. 53Dr. Michelle Kromm: Clostridial Dermatitis in Poultry | Ep. 83What you'll learn:(00:00) Highlight(01:31) Introduction(03:21) Causes of turkey dermatitis(04:21) Role of gut health(06:21) Probiotics and dermatitis(07:41) Synergistic effects of products(10:18) Trial results for turkey health(11:07) Closing thoughtsThe Poultry Nutrition Blackbelt Podcast is trusted and supported by innovative companies like:* Kemin* Kerry- Poultry Science Association- Anitox- BASF

The promise of the American Dream—work hard, play by the rules, and you'll get ahead—is unraveling before our eyes. In this Back-to-Basics episode, Christian H. Cooper and law professor Khiara Bridges join Nick and Goldy to posit whether economic mobility has ever truly existed, or if the system was rigged from the start. As wages stagnate, homeownership drifts out of reach, and inequality worsens, their conversation exposes how the American Dream has always been selectively granted and systematically denied. Amid today's debates over “competitiveness” and “opportunity,” this episode is a reminder: the American Dream didn't disappear by accident—it's been taken. Understanding how is the first step toward winning it back. Christian Cooper is a derivatives trader, quantitative finance author, and commentator based in New York City. He directs Banking for a New Beginning, a collaboration between the Aspen Institute and the U.S. Department of State that connects central banks in emerging markets—such as Turkey, Tunisia, and Pakistan—with best practices to strengthen their financial systems Khiara M. Bridges is an anthropologist and professor of law at UC Berkeley School of Law, specializing in race, class, reproductive rights, and constitutional law. She is the author of The Poverty of Privacy Rights.  Social Media: @christiancooper Further reading:  The Poverty of Privacy Rights Website: http://pitchforkeconomics.com Instagram: @pitchforkeconomics Threads: pitchforkeconomics Bluesky: @pitchforkeconomics.bsky.social TikTok: @pitchfork_econ Twitter: @PitchforkEcon, @NickHanauer, @civicaction YouTube: @pitchforkeconomics LinkedIn: Pitchfork Economics Substack: ⁠The Pitch⁠

Headlines with turkey dicks, do you know how to find one? lol We have an idea but Fat Boy doesn't wanna do it with restrictions..

Lauren joined WorldDenver in 2019 after serving in a similar role at the World Affairs Council of Charlotte. She has a decade of experience in fundraising, development, program management, and event planning across nonprofits, and focuses on building global connections.Lauren grew up in San Diego, CA and attended a French immersion school, which planted the seeds for her passion in diversity and cross-cultural experiences. She earned her B.A. in International Studies and French, with a minor in Religion from California Lutheran University where she had the privilege of participating in travel seminars to Jamaica, Italy, and a semester abroad in Dakar, Senegal. Her time in Dakar focused on arts and culture, while researching issues affecting vulnerable children. She completed a dual master's degree program in Social Work (MSW) and Theological Studies (MTS) at Boston University, (BU) with a focus on nonprofit development and program administration. During her time at BU, she participated in a travel seminar to Israel and Palestine to explore complexities of peace building, and one to Turkey to learn about the intersection of ancient archeology and modern Europe. In Boston, she worked in community organizing with Greater Boston Interfaith Organization and at DOVE, Inc., a domestic violence resource agency, where she contributed to planning and development for two record breaking fundraiser events.Lauren lives in Denver with her husband and two daughters, and enjoys the performing arts, live music, backpacking, snowboarding, and all that the Colorado Rockies have to offer.https://worlddenver.org/https://www.linkedin.com/in/lauren-osga-236a7294/**********************************************************Judy Carlson is the CEO and Founder of the Judy Carlson Financial Group, where she helps couples create personalized, coordinated financial plans that support the life they want to live – now and in the future.As an Independent Fiduciary and Comprehensive Financial Planner, Judy specializes in retirement income and wealth decumulation strategies. She is a CPA, Investment Advisor Representative, licensed in life and health insurance, and certified in long-term care planning.Judy's mission is to help guide clients with clarity and care, building financial plans that focus on real planning built around real lives.Learn More: https://judycarlson.com/Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC Registered Adviser.The Inspired Impact Podcasthttps://businessinnovatorsradio.com/the-inspired-impact-podcast/Source: https://businessinnovatorsradio.com/the-inspired-impact-podcast-with-judy-carlson-interview-with-lauren-osga-director-of-development-communications-worlddenver

Get the Plays FIRST with a FREE Huddle Trial! : https://dubclub.win/af/afl-c8pvn/`Eurobasket 2025 is about to begin! Joe and Bryan Fonseca (@BryanFonsecaNY) break down all of the Groups and give out Tournament Winner picks along with best bets to give you EVERYTHING you need to know about this elite competition.00:00 Introduction to Eurobasket and Roster Evaluations04:31 Team Analysis: Bosnia and Cyprus06:35 Finland and France: Key Players and Expectations08:00 Germany and Great Britain: Strengths and Weaknesses09:41 Greece and Iceland: Team Dynamics12:30 Lithuania and Montenegro: Competitive Edge14:01 Serbia and Turkey: Tournament Favorites16:12 Group A Breakdown: Latvia, Turkey, and Serbia23:38 Group B Overview: Germany, Finland, and Lithuania29:55 Group C Insights: Spain, Greece, and Italy31:01 Analyzing Group Dynamics: Spain, Greece, and Italy32:55 Italy's Recent Performance and Historical Context35:42 Group D Overview: France, Slovenia, and Poland38:10 Political Context in International Basketball40:09 Assessing France's Chances in the Tournament43:00 Betting Insights and Predictions for the Tournament54:28 Germany's Tournament Prospects55:43 Betting Insights on Serbia and France57:08 Analyzing Spain's Chances and Coaching Impact58:49 Top Players and Betting Strategies01:03:05 Rebounding and Scoring Leaders01:09:11 Final Predictions and Medal Standings

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   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 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   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 pay walls 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 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

We're bringing back a popular episode where we boiled down the key areas of focus for improving turkey habitat and connectivity on your property.  Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab WATCH this episode (here) Resources: Conventional vs. Regenerative Ag #79 Food plotting in nature's image #84 I lease land…what about me? #12 Which plants for brooding cover? #141   We've launched a comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Donate to our wild turkey research: UF Turkey Donation Fund , Auburn Turkey Donation Fund    Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (QUICK) listener survey - Thank you!    Check out the NEW DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak  

Henry's flat when Adam praises him for his bowling prowess yesterday. Henry doesn't think cricket's for him and he might not play again after this season. Pat asks Henry why he wants to quit cricket and he admits that he's worried about injuring the batter from the Borchester Fourths. Pat reckons that she'll be ok and that bowling short is a perfectly legitimate tactic. Henry then opens up about when Rob got really angry with him when he was being taught how to play cricket. Pat thinks it's a shame to miss out on a game Henry enjoys because of ‘that man'.When Brian asks Adam for some help at Home Farm, Pat's not impressed saying that the situation can't go on. Emma visits George who explains how his relationship with Amber has given him renewed hope. Emma's surprised when George mentions that Amber's being sponsored to have her veneers done in Turkey. It all helps with getting subscribers to her account and so discounts for the wedding. George then checks whether Emma's used Amber's gift of teeth whitening vouchers – George thinks she might offend Amber if they're not used. Talk turns to the arson attack at The Bill and Ed and Mia's drone footage. The police can't find Markie's accomplice. When George asks what Markie's surname is, Emma wonders why. Later George asks Brad to contact Fallon to tell her that George might be able to help find the perpetrators. Brad doesn't think it's a good idea to get involved, but George reckons it's a great way to prove himself to the village. He just needs Brad's help.

We're bringing back a popular episode where we boiled down the key areas of focus for improving turkey habitat and connectivity on your property.  Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab WATCH this episode (here) Resources: Conventional vs. Regenerative Ag #79 Food plotting in nature's image #84 I lease land…what about me? #12 Which plants for brooding cover? #141   We've launched a comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Donate to our wild turkey research: UF Turkey Donation Fund , Auburn Turkey Donation Fund    Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (QUICK) listener survey - Thank you!    Check out the NEW DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak  

David and Rachel discuss the deadly twin earthquakes that struck Turkey and Syria in 2023. Script by Thomas F.