Podcasts about GI

NSAIDs are everywhere, and for good reason. They're incredibly effective at reducing inflammation and pain, managing fever, and even reducing cardiovascular risk. But while NSAIDs definitely have some great uses, they're also not without risks.  In this episode, you'll learn: How NSAIDs work in the body Common examples you'll see at the bedside and what they are used to treat What conditions NSAIDs are used to treat Four major health risks tied to NSAID use Practical tips for safer NSAID use and patient education If you're reviewing pharmacology for school or clinicals, or just want a deeper understanding of a drug class you'll see every single day as a nurse, this episode is for you! ___________________ Full Transcript - Read the article and view references GI Bleeds - Did this episode pique your interest in GI bleeds? Check out episode 107! FREE CLASS - If all you've heard are nursing school horror stories, then you need this class! Join me in this on-demand session where I dispel all those nursing school myths and show you that YES...you can thrive in nursing school without it taking over your life! Pharmacology Success Pack - Want to get a head start on pharmacology? Download the FREE Pharmacology Success Pack.  Fast Pharmacology - Learn pharmacology concepts in 5 minutes or less in this audio based program. Perfect for on-the-go review!

Where are you listening from?Curious whether cannabis can actually help your dog or cat—and how to do it without risking a scary night of wobbling and worry? I sit down with veterinarian Dr. Casara Andre to unpack a safe, practical roadmap for pet parents who want evidence-based guidance, not guesswork. From the endocannabinoid system's (ECS) role in pain, mood, and balance to the real differences between THC and CBD in animals, this conversation translates complex science into clear steps you can use today.We explore why dosing isn't simply about body weight, how biphasic effects make more a potential problem, and why journaling sleep, appetite, mobility, and reactivity is the secret to finding the minimum effective dose. You'll learn how to choose products that won't backfire, what a trustworthy certificate of analysis looks like, how to interpret “full spectrum” vs “broad spectrum,” and why a CBD-dominant plant extract with trace THC is often a sensible starting point. We also dig into the overlooked MVPs: CBDA for GI inflammation and nausea, CBG for muscle relaxation and seizure support, and terpene profiles that nudge outcomes toward calm or clarity.If this helped you or someone you love with a furry friend, subscribe, share the episode, and leave a review. Discover more about Dr. Casara Andre and her work at Veterinary Cannabis. Join the waitlist at JoinBiteMe.com/challenge - Music by Alexander BluSupport the show Visit the website for full show notes, free dosing calculator, recipes and more.

Quỹ Petstock đang khởi động Dự án Giáng sinh thường niên, một sáng kiến gây quỹ hỗ trợ hai tổ chức từ thiện tuyệt vời của Úc, Story Dogs và Riding for the Disabled Australia. Năm nay, Quỹ đặt mục tiêu gây quỹ hơn 520.000 đô la Úc để hỗ trợ các chương trình quan trọng này.

Vào tháng Mười, Tổng thống Mỹ Donald Trump đã có cuộc gặp với nhà lãnh đạo Trung Quốc Tập Cận Bình bên lề hội nghị APEC ở Hàn Quốc. Theo ông Trump, cuộc gặp với ông Tập - lần gặp đầu tiên kể từ khi ông tái nhậm chức vào tháng Giêng - là một “thành công lớn”, đến mức “đạt 12 trên 10 điểm”. Nhưng trên thực tế, đây là một thất bại.Xem thêm.

Nghe Kinh Thánh Tân Ước Trong Ba Tháng: 1 Giăng 03

In this episode of the Medical Sales Podcast, Samuel sits down with endoscopy leader and author Jon Alwinson to break down what makes GI and ASC sales one of the most predictable, high-impact spaces in medical devices while unpacking Jon's journey from failed entrepreneur to Stryker associate, rookie-of-the-year rep, and now ASC leader at Boston Scientific. Jon shares the systems that drive top-tier performance—true pre-call planning, zoning a territory with precision, and running each week with a focused attack list—while also exposing the pitfalls that hold reps back, from fear and negative self-talk to time-wasting habits and hiding in comfortable accounts. Samuel and Jon dive deep into identity, mindset, and mentorship, exploring how the best reps stay confident, stay disciplined, and stay out of their own heads. If you want a tactical, honest look at what it takes to thrive in medical sales and lead with excellence, this episode delivers it.   Connect with Jon Alwinson: LinkedIn Connect with Me: LinkedIn Love the show? Subscribe, rate, review, and share! Here's How »

Send us a textThe hardest part isn't always the pain; it's the fog—those days when the labels keep changing, the meds blur together, and the bills are louder than your body. That's where Stephanie A. Wynn stepped in, transforming her Crohn's journey into a movement for clarity, access, and equity.We sit down with Stephanie—author, podcaster, and founder of the Stephanie A. Wynn Foundation—to unpack how a misdiagnosis spiral, two heartbreaking pregnancy losses, and a sixth GI finally led to answers and action. She walks us through the IBD Patient Navigator Program she built to connect people with the care team they actually need: GI, primary care, mental health, dietitian, pelvic floor therapist, and, when needed, a colorectal surgeon. We talk about practical tools that change outcomes—recording appointments, coming with three priority questions, tracking symptoms and meals, and learning your labs so they can become signals instead of mysteries.Stephanie also opens up her book Navigating IBD: A Six-Week Blueprint for Better Gut Health which she designed to slow overwhelm and teach the language of care including treatment decisions, and what “knowing your numbers” truly means. We dig into clinical trials—why she calls it clinical research, how to qualify, what to ask about aftercare, and ways to participate through labs or tissue samples to boost representation. We tackle health disparities and social determinants of health head-on: transportation, refrigeration for meds, school support, and why trust is built by showing up with real solutions.This is a conversation about agency and community for anyone living with Crohn's disease or ulcerative colitis. You'll leave with a sharper checklist, a stronger voice, and a reminder that you are not alone—and that the right tools and team can change everything.If this helped you, follow the show, leave a quick review, and share it with someone who needs a clear path forward today.Links: Link to Stephanie's IBD bookThe Stephanie A. Wynn FoundationRacial and Ethnic Disparities in Medical Advancements and Technologies- Kaiser Family Foundation Let's get social!!Follow us on Instagram!Follow us on Facebook!Follow us on Twitter!

Úc đang đối mặt với tình trạng thiếu hụt nhân lực nghiêm trọng, khiến nhu cầu tuyển dụng tăng cao trong nhiều lĩnh vực thiết yếu gồm: Y tế và Chăm sóc sức khỏe (do dân số già hóa), Công nghệ thông tin, Xây dựng và Kỹ thuật, cùng lĩnh vực Giáo dục. Đây là những ngành nghề hứa hẹn cơ hội việc làm rộng mở, mức lương cạnh tranh và triển vọng nghề nghiệp vững chắc tại Úc.

Send us a textIn this episode, Alyssa sits down with Dr. Joy Ostroff, a Hawaii-based naturopathic doctor with over three decades of clinical experience, for a powerful conversation on the REAL root causes of stubborn weight that diets never address.Dr. Joy explains why weight struggles are rarely about willpower or calories and are almost always linked to deeper imbalances in the gut, hormones, detox pathways, and nervous system. She breaks down how issues like candida overgrowth, biofilm formation, yeast-driven sugar cravings, inflammation, and toxic burden interfere with metabolism and make weight loss nearly impossible, no matter what you eat.This episode is a must-listen for anyone who has struggled with stubborn weight, recurring cravings, chronic bloating, fatigue, or feeling “stuck” in their health journey.About Dr. Joy Ostroff: Dr. Diana Joy Ostroff is a Naturopathic Doctor & Traditional Chinese Medicine practitioner with 34 years in holistic health. Founder of the Center for Natural Healing Hawaii and author of the Wisdom of Well-Being series, she blends science, experience, and integrative care to help patients feel their healthiest and happiest.Find Dr. Joy Ostroff here:Instagram, Facebook, LinkedIn, Youtube, TikTokBook an appointment at Natural Healing Hawaii here. Find Alyssa here: Instagram, LinkedIn, Facebook, Pinterest   DM “GUT CHECK” on Alyssa's Instagram for a personalized quiz and free meal plans & resources to kickstart your gut healing journey.Check out Alyssa's FREE Masterclass “Why your gut still isn't better - the real reason you feel stuck. -If you're enduring uncomfortable, painful, and embarrassing GI symptoms and feel like you've tried everything, Alyssa uses a specialized approach to help people who've gone from doctor to doctor finally find relief. Book your 15-minute strategy call for FREE here.Tune in and subscribe to "The Gut Health Dialogues" for inspiring client transformation stories and expert insights into gut health. Leave a review—Your support will help Alyssa empower more people with the knowledge and tools to take control of their gut health and reclaim their lives. Looking for a supportive Gut Health community? Alyssa is building a community committed to helping people overcome their digestive symptoms by addressing the root cause using food and nutrition. Join Alyssa's FREE Facebook Community here.

Nghe Kinh Thánh Tân Ước Trong Ba Tháng: 1 Giăng 02

The queen of disco is in the house!Pop icon and mother of five Sophie Ellis-Bextor joins Giovanna to chat motherhood, music, and everything in between.She tells Gi about falling pregnant with her son just 6 weeks into a new relationship, and shares her experiences with pre-eclampsia and caring for babies who battled sepsis and meningitis.Sophie's brilliant new album Perimenopop is out now! Hosted on Acast. See acast.com/privacy for more information.

Fatigue in midlife isn't just about needing more sleep — it's often a sign that something deeper is out of balance. In this episode, Tara shares her clinical approach to fatigue, including how hormones, minerals, iron status, thyroid function, inflammation, gut health, and stress all impact your energy. She explains why basic labs don't always tell the full story and what to look for when fatigue doesn't improve with rest or supplements alone. You'll walk away with a clearer understanding of why you feel tired and what steps actually move the needle — plus how personalized testing and guidance can help you get your energy back for good.   Here's what you'll discover in this episode: 1. Why "just getting older" isn't a reason to accept low energy Tara Thorne shares her refreshing perspective on why we shouldn't expect our bodies to bounce back like they did in our twenties, and how you can actually regain your spark at any age. 2. The importance of digging into your blood work Learn what labs to ask for (and why most doctors miss critical markers)—including a full-thyroid panel, specific immune markers, iron panels, and even markers for viral and bacterial infections. 3. How mineral imbalances could be sabotaging your energy Tara Thorne walks through the magic of HTMA tests and why simply popping magnesium or iron might not help (and could even make things worse!). 4. The gut-fatigue connection Surprise! You might not have GI symptoms and still have serious gut-driven exhaustion. Tara Thorne unpacks how gut health, inflammation, and "leaky gut" can zap your vitality. 5. The critical (but often overlooked) role of hormones and stress From optimizing your hormones with bioidentical HRT to managing stress and dialing in quality sleep, you'll get actionable advice to support your energy on every level.   Other episodes of interest: EPS 114: Thyroid health in midlife: post-illness autoimmunity/hypothyroidism, why TSH will rise with iodine & this is OK, progesterone & thyroid health & more! EPS 129: Hypothyroidism goes undiagnosed all the time in midlife. This episode: everything you need to know to ensure this doesn't happen to you. EPS 123: Caution should be taken when supplementing vitamin D, iron & selenium. Do not DIY these supplements! EPS 130: Do not take oral / IV iron until you've listened to this. EPS 5: Copper Toxicity: How it may be driving your PMS, estrogen issues, OCD, anxiety & more. EPS 121: All-things-cortisol in perimenopause. Are levels usually high or low? Should we test cortisol? If so, how? Everything you need to know!   Mentioned in this episode: HERBATONIN – Click HERE to visit the shop. Save 10% when you use Tara's code: Tara10 HRT Made Simple™ - Learn how to confidently speak to your doctor about the benefits of hormone replacement therapy so you can set yourself up for symptom-free, unmedicated years to come without feeling confused, dismissed, or leaving the medical office minus your HRT script. Hair Loss Solutions Made Simple™ – This course will teach you the best natural, highly effective, and safe solutions for your hair loss so you can stop it, reverse it, and regrow healthy hair without turning to medications. The Perimenopause Solution™ – My signature 6-month comprehensive hormonal health program for women in midlife who want to get solid answers to their hormonal health issues once and for all so they can kick the weight gain, moodiness, gut problems, skin issues, period problems, fatigue, overwhelm, insomnia, hair/eyebrow loss, and other symptoms in order to get back to the woman they once were. [FREE] The Ultimate Midlife Perimenopause Handbook - Grab my free guide and RECLAIM your confidence, your mood, your waistline and energy without turning to medications or restrictive diets (or spending a fortune on testing you don't need!).   [BOOK A 30-MINUTE SESSION WITH TARA HERE]

Tựa Đề: Cầu Nguyện, Giảng Đạo Trong Mọi Hoàn Cảnh; Kinh Thánh: 2 Ti-mô-thê 4:1-5; Tác Giả: VPNS; Loạt Bài: Sống Với Thánh Kinh, Bài Học Kinh Thánh Hằng Ngày, Tĩnh Nguyện Hằng Ngày, Sống Với Thánh Kinh

In this episode of The Interventional Endoscopist, I sit down with Matt Schwartz, Co-Founder and CEO of Virgo Surgical Video Solutions, a company that transforms procedural video into structured, searchable, AI-ready data. Matt shares the early spark that led him to leave Intuitive Surgical to start Virgo, the challenges of installing early systems in GI units, and how automated, zero-click video capture evolved into a massive national dataset powering the next generation of AI in endoscopy. We dive into: Why video is one of the most overlooked datasets in medicine The medicolegal reality (and why video can actually protect physicians) Foundation models for endoscopy and site-level customization The future of training, credentialing, and outcome prediction from routine colonoscopy and EGD video Leadership lessons from building a healthcare startup If you're interested in digital endoscopy, AI, clinical training, or med-tech innovation, this episode offers a look into the future of how GI will be practiced.   Helpful links referenced in the podcast https://virgosvs.com https://endoml.ai EndoDINO foundation model manuscript  

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Nghe Kinh Thánh Tân Ước Trong Ba Tháng: 1 Giăng 01

Episode 111 – 15-minute Speed Coaching with Dr Dawn Brooks   This episode is another of our super popular 15-minute Speed Coaching Sessions for Veterinary- and Pet Care Professionals! The rules of the game are as follows: ·         Episodes will be in-the-moment, off-the-cuff and unscripted. ·         Coaching sessions will be 15 Minutes MAXIMUM, so wherever we finish, we finish… ·         Which means that we might not find complete resolution to your question, but we will certainly get the thought process started!   In this episode, I chat to Veterinarian, Dr Dawn Brooks who has recently started to see cases from a private shelter in the US and is looking for ways to manage some of the challenges these patients bring with them as well as setting up some really great screening protocols for behavioural health.   Here are some of the things we chat about: 1.      Medication choices that provide both a quick effect as well as longer lasting effects for potential re-homing scenarios. 2.      How to manage some of the more highly aroused or aggressive dogs in a shelter setting. 3.      Pain trials and GI screening protocols in the shelter.   I absolutely loved recording this episode, I hope you enjoy it!   If you'd like to book a 30-minute Vet-Vet or Vet-Pet Care Professional Consultation with me, you can do that right here: https://calendly.com/trinityvet/teams-and-professionals If you can't find an appointment time to suit you, please email us at info@trinityvetbehaviour.com to find a time that suits us both!   If you'd like to learn more about Veterinary Psychopharmacology, then my PSYCHOACTIVE is a great option for you: https://katrin-jahn.mykajabi.com/psychoactive   And… if YOU would like to be part of a 15-Minute Podcast Speed Coaching episode, then apply right here: https://katrin-jahn.mykajabi.com/assessments/2148527544   If you liked this episode of the show, Veterinary Behaviour Chat, please LEAVE A 5-STAR REVIEW, like, share, and subscribe!   Facebook Group: Join The Veterinary Behaviour Community on Facebook   You can CONNECT with me: Website: Visit my website Trinity Veterinary Behaviour Instagram: Follow Trinity Veterinary Behaviour on Instagram Trinity Veterinary Behaviour Facebook: Join us on Trinity Veterinary Behaviour's Facebook page Trinity Veterinary Behaviour YouTube: Subscribe to Trinity Veterinary Behaviour on YouTube LinkedIn Profile: Connect with me on LinkedIn   Thank you for tuning in!

Tựa Đề: Cầu Nguyện, Giảng Đạo Trong Mọi Hoàn Cảnh; Kinh Thánh: 2 Ti-mô-thê 4:1-5; Tác Giả: VPNS; Loạt Bài: Sống Với Thánh Kinh, Bài Học Kinh Thánh Hằng Ngày, Tĩnh Nguyện Hằng Ngày, Sống Với Thánh Kinh

VOV1 - Việt Nam đã chọn một cách tiếp cận mới – giảm nghèo đa chiều. Không chỉ hỗ trợ đủ ăn, đủ mặc, mà còn hướng đến giáo dục, y tế, nhà ở, nước sạch, thông tin và sinh kế. Giảm nghèo đa chiều – nói một cách giản dị – chính là trao cơ hội để người dân thoát nghèo từ gốc, vươn lên bền vững

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

In this episode, hosts Drs. Temara Hajjat and Jason Silverman talk to Dr. Paul Tran about attracting and educating a new generation of learners.Learning Objectives:Discuss an approach to attracting learners to pediatric gastroenterology while addressing perceived barriersReview approaches to capturing and maintaining interest in educational contentOutline approaches to incorporate digital content into medical educationLinks:Alimentary School on TikTok, Instagram and YouTubeNASPGHAN social media position paperMedical media paperSupport the showThis episode may be eligible for CME credit! Once you have listened to the episode, click this link to claim your credit. Credit is available to NASPGHAN members (if you are not a member, you should probably sign up). And thank you to the NASPGHAN Professional Education Committee for their review!As always, the discussion, views, and recommendations in this podcast are the sole responsibility of the hosts and guests and are subject to change over time with advances in the field.Check out our merch website!Follow us on Bluesky, Twitter, Facebook and Instagram for all the latest news and upcoming episodes.Click here to support the show.

Tựa Đề: Cầu Nguyện - Trọng Tâm Của Truyền Giảng; Kinh Thánh: Ê-phê-sô 6:18-20; Tác Giả: VPNS; Loạt Bài: Sống Với Thánh Kinh, Bài Học Kinh Thánh Hằng Ngày, Tĩnh Nguyện Hằng Ngày, Sống Với Thánh Kinh

Today, Susan and Kate welcome back one of the podcast's most-loved guests Dr. Eric Balcavage, internationally recognized thyroid expert and co-author of The Thyroid Debacle. This conversation is raw, energizing, and packed with clarity as we break down what most people never get told about functional medicine, thyroid health, and the difference between truly recovering your health vs. just managing symptoms.If you've ever felt dismissed by “normal labs,” overwhelmed by Google rabbit holes, this episode will feel like a grounding exhale. Dr. Eric breaks down complex physiology, while Susan and Kate connect it to mindset, trauma patterns, stress, and the psychology behind why so many people stay stuck. It's empowering, eye-opening, and fun, just what everyday people need to finally understand their health.In This Episode:The real difference between allopathic, integrative, and functional medicineWhy symptoms are meaningful messages—not random annoyancesLearn more about our guest Dr. Eric Balcavage:Dr. Eric Balcavage is internationally recognized as a leading authority in functional medicine and thyroid physiology. He's the co-author of The Thyroid Debacle, host of the Thyroid Answers Podcast, and a trusted mentor to hundreds of practitioners across the U.S. With over two decades of clinical experience, he specializes in helping patients recover from chronic hypothyroidism, metabolic dysfunction, and complex health challenges that haven't responded to conventional or protocol-based care. He also lectures and consults on topics such as cellular thyroid physiology, GI health, organic acid testing, and methylation—shaping a new standard for thyroid recovery.RESOURCES:Check out our other episode with Dr. Eric Balcavage:https://podcasts.apple.com/us/podcast/64-rethinking-thyroid-health-with-dr-eric-balcavage/id1736527617?i=1000715108182Connect with Dr. Eric Balcavage:Website: http://drericbalcavage.com Instagram: http://instagram.com/drericbalcavage YouTube: https://www.youtube.com/@askdrericPrivate Facebook Group:  www.facebook.com/groups/thyroidrecoverycollective/ Free Thyroid Ebook: http://drericbalcavage.com/free-thyroid-ebook  Podcast: https://podcasts.apple.com/us/podcast/thyroid-answers-podcast/id1189585193 The Thyroid Debacle: https://amzn.to/3zHRZYZSubscribe to my newsletter: https://rejuvagencenter.com/newsletter-signup/Find all of Kate and Susan's Resources and links in the show notes: https://healthyawakening.co/2025/12/01/episode97Connect with Susan: https://healthyawakening.co/Connect with Kate: https://theradiantlifeproject.com/Visit the website: healthyawakening.co/podcastFind listening links here: https://healthyawakening.co/linksP.S. Want reminders about episodes? Sign up for our newsletter, you can find the link on our podcast page! https://healthyawakening.co/podcast

William Lang narrates the news headlines. The top feature has been the first Christmas not at war, and GI's were coming home A year of victory. A middle aged man…

Bài viết đăng trong tạp chí Liahona của Giáo Hội Các Thánh Hữu Ngày Sau của Chúa Giê Su Ky Tô Tuần lễ Giáng Sinh là một thời gian tuyệt vời khi mà con chiên, người chăn chiên, máng cỏ, và các vì sao bỗng nhiên có một ý nghĩa mới mẻ. Chúng trở thành […] The post Podcast số 523 – Liahona tháng 12, 2019 – Câu Chuyện Giáng Sinh Dạy Chúng Ta Điều Gì về Việc Phục Sự appeared first on Thánh Hữu Việt Nam.

Bài Giảng: Lên kế hoạch cho tương lai của bạnDiễn giả: Adrian Rogers Dịch và lồng tiếng: Ánh Sáng Nơi Thương TrườngBạn muốn biết tương lai để tránh thất bại? Kinh Thánh Gia-cơ 4:15-16 nhắc nhở chúng ta: Phải luôn nói "Nếu Chúa muốn..." thay vì khoe khoang và tự phụ.Trong bài giảng này, chúng ta sẽ khám phá 3 Lời Cảnh Báo Sâu Sắc từ Sách Gia-cơ về cách lập kế hoạch:1 - Đừng lập kế hoạch they ý mình mà gạt Chúa ra khỏi kế hoạch đó (Gia-cơ 4:13).2- Đừng kiêu ngạo: Đừng quên rằng đời sống chúng ta chỉ là hơi sương (Gia-cơ 4:14).3 -Đừng trì hoãn tự mãn vì biết điều lành mà không làm là tội lỗi (Gia-cơ 4:17).Kế hoạch là tốt, nhưng chúng ta phải giao phó mọi kế hoạch cho Chúa và chủ động tìm kiếm ý muốn Ngài!---------------------------The Workplace Ministry (Muc Vu Noi Lam Viec) Youtube channel provides inspiring sermons and messages from Christian speakers, specifically designed to uplift and support the Christian community within Vietnam's professional landscape, where resources for Christian teaching are often limited. As a non-profit initiative, our mission is to offer encouragement and spiritual guidance for believers striving to serve God in their workplaces.Please note that some videos may not have obtained formal copyright permissions prior to translation. We appreciate the understanding and forgiveness of copyright holders. If you have any concerns, please do not hesitate to contact us at mygenvn@gmail.com.Thank you for your support!#AdrianRogers #thoalong #kinhdoanh #anhsangnoithuongtruong #phuochanh #taichinh #kehoach #tuonglai

Tựa Đề: Cầu Nguyện - Trọng Tâm Của Truyền Giảng; Kinh Thánh: Ê-phê-sô 6:18-20; Tác Giả: VPNS; Loạt Bài: Sống Với Thánh Kinh, Bài Học Kinh Thánh Hằng Ngày, Tĩnh Nguyện Hằng Ngày, Sống Với Thánh Kinh

Giuliano Vigini"Il peccato e la grazia"Letteratura e cattolicesimo nella Francia del '900Bibliotheka Edizioniwww.bibliotheka.it"Siamo in un cammino di avvenimenti, nella realtà che si vede, che si sente, che si gusta e si tocca indipendentemente da un valore morale, da un desiderio di fuga o da un traino trascendente. Al centro rimane l'uomo, un mistero infinito, la ricerca di un punto di snodo."Annalina Grasso, '900 LetterarioTra la fine dell'Ottocento e i primi decenni del Novecento, nell'assoluta autonomia di scrittura e pensiero dei singoli autori, alcuni tra i maggiori scrittori francesi furono attratti dal messaggio del Vangelo e da un sentire condiviso contro i tanti “ismi” del secolo condannati anche dalla Chiesa: positivismo, scientismo, materialismo, naturalismo, modernismo, laicismo.Giuliano Vigini dà un quadro completo di questa letteratura lontana da tentazioni apologetiche e certezze inconfutabili, ma capace di dipingere situazioni e personaggi alle prese con azioni delittuose, fallimenti esistenziali, solitudini e angosce, grazie a capolavori letterari che meritano di essere nuovamente scoperti.Giuliano ViginiSaggista e docente all'Università Cattolica di Milano, oltre ai numerosi contributi sulla storia dell'editoria e sulla letteratura cristiana antica e moderna (dalla Bibbia a Sant'Agostino, da Dante a Manzoni) ha pubblicato studi e traduzioni di scrittori francesi moderni e contemporanei: da Pascal a La Rochefoucauld, da Hugo a Anatole France, da Bloy a Péguy a Mauriac, da Claudel a Saint-Exupéry.Già collaboratore della rivista Studi francesi e del Dizionario critico della letteratura francese (1972), diretto da Franco Simone, è autore di Naturalismo (2016), Scrittori “contro”. La rivolta nella letteratura francese tra secondo Ottocento e Novecento (2021) e Il grande inquisitore. Léon Bloy (2022), oltreché del repertorio Il Novecento letterario francese in Italia. Bibliografia delle traduzioni (1901-2000), con la presentazione di Giovanni Bogliolo (2002-2003, 2 voll.).Collabora a quotidiani e riviste, tra cui Corriere della sera, Avvenire e Vita e PensieroDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

Tonight, on Your Health First, Dr. Galati starts by talking about his Kodiak Pancakes for breakfast. He also has Gastroenterologist Dr. Adeeb Dwairy join the show to explain the common GI complaints and how often he sees late cases. Dr. Galati also takes a few minutes to discuss the key things to be aware of in projecting for 2026.  

Bài Giảng: Lên kế hoạch cho tương lai của bạnDiễn giả: Adrian Rogers Dịch và lồng tiếng: Ánh Sáng Nơi Thương TrườngBạn muốn biết tương lai để tránh thất bại? Kinh Thánh Gia-cơ 4:15-16 nhắc nhở chúng ta: Phải luôn nói "Nếu Chúa muốn..." thay vì khoe khoang và tự phụ.Trong bài giảng này, chúng ta sẽ khám phá 3 Lời Cảnh Báo Sâu Sắc từ Sách Gia-cơ về cách lập kế hoạch:1 - Đừng lập kế hoạch they ý mình mà gạt Chúa ra khỏi kế hoạch đó (Gia-cơ 4:13).2- Đừng kiêu ngạo: Đừng quên rằng đời sống chúng ta chỉ là hơi sương (Gia-cơ 4:14).3 -Đừng trì hoãn tự mãn vì biết điều lành mà không làm là tội lỗi (Gia-cơ 4:17).Kế hoạch là tốt, nhưng chúng ta phải giao phó mọi kế hoạch cho Chúa và chủ động tìm kiếm ý muốn Ngài!---------------------------The Workplace Ministry (Muc Vu Noi Lam Viec) Youtube channel provides inspiring sermons and messages from Christian speakers, specifically designed to uplift and support the Christian community within Vietnam's professional landscape, where resources for Christian teaching are often limited. As a non-profit initiative, our mission is to offer encouragement and spiritual guidance for believers striving to serve God in their workplaces.Please note that some videos may not have obtained formal copyright permissions prior to translation. We appreciate the understanding and forgiveness of copyright holders. If you have any concerns, please do not hesitate to contact us at mygenvn@gmail.com.Thank you for your support!#AdrianRogers #thoalong #kinhdoanh #anhsangnoithuongtruong #phuochanh #taichinh #kehoach #tuonglai

VOV1 - Với gần một triệu đèn Giáng sinh và khoảng 250 mô hình, gia đình Gollnhuber biến ngôi nhà và khuôn viên rộng lớn của mình ở thị trấn suối khoáng Bad Tatzmannsdorf, Áo, thành một xứ sở mùa đông kỳ diệu, thu hút hàng nghìn du khách mỗi năm.Giáng sinh châu Âu lộng lẫy với những cây thông khổng lồ rực rỡ sắc màu.

Laudetur Jesus Christus - Ngợi khen Chúa Giêsu KitôRadio Vatican hằng ngày của Vatican News Tiếng Việt.Nội dung chương trình hôm nay:0:00 GẶP GỠ CÁC GIÁM MỤC, LINH MỤC, TU SĨ NAM NỮ VÀ NHÂN VIÊN MỤC VỤ tại Đền Đức Mẹ Li-băng ở Harissa15:24 GẶP GỠ ĐẠI KẾT VÀ LIÊN TÔN tại Quảng trường Các vị Tử đạo ở Beirut25:14 GẶP GỠ GIỚI TRẺ tại quảng trường trước Tòa Thượng Phụ Antiôkia của Giáo hội Maronit tại Bkerké---Những hình ảnh này thuộc Bộ Truyền Thông của Toà Thánh. Mọi sử dụng những hình ảnh này của bên thứ ba đều bị cấm và dẫn đến việc đánh bản quyền, trừ khi được cho phép bằng giấy tờ của Bộ Truyền Thông. Copyright © Dicasterium pro Communicatione - Giữ mọi bản quyền.

“Hà Nội quá ô nhiễm! Không khí quá dầy đặc, toàn khói xe và toàn mùi xăng. Mọi người rất vất vả vì mùi xăng và khói xe, nhất là giờ tan tầm, người ta sẽ ngạt thở”. Đó là cảm nhận của một người dân Hà Nội năm 2017. Đến đầu năm 2025, Hà Nội nhiều lần đứng đầu danh sách thành phố ô nhiễm nhất thế giới, nhiều ngày không thấy mặt trời. Nguyên nhân chủ yếu là xe máy phát thải 87% khí CO2 và 66% bụi mịn, theo một nghiên cứu năm 2023. Hàng năm, khoảng 70.000 người chết vì ô nhiễm không khí ở Việt Nam, theo đánh giá của Tổ Chức Y Tế Thế Giới năm 2024. Cải thiện bầu không khí, giảm ô nhiễm môi trường trở thành vấn đề vô cùng cấp bách đối với Việt Nam, đặc biệt là ở Hà Nội. Từ ngày 01/07/2026, xe máy chạy xăng dầu sẽ bị cấm hoạt động ở vành đai 1 (trung tâm) Hà Nội, theo chủ trương được thông báo ngày 04/07/2017. Đây là bước đầu trong lộ trình chuyển sang xe điện, bắt đầu từ Hà Nội, tiếp theo là thành phố Hồ Chí Minh, hai đô thị lớn lần lượt có 7 triệu và 8,5 triệu xe máy.  Trả lời AP ngày 20/10/2025, bà Dương Tử Phi (Zifei Yang), giám đốc Chương trình Xe khách tại Hội đồng Quốc tế về Giao thông sạch (International Council on Clean Transportation) nhắc lại : “Xe điện hai bánh sạch hơn nhiều, về cơ bản là không hề có khí thải từ ống xả. Và chỉ cần xét đến việc rất nhiều xe điện được sử dụng ở trung tâm thành phố và mọi người tiếp xúc với không khí, đã thấy việc này sẽ giúp cải thiện đáng kể chất lượng không khí tại địa phương. Nó làm giảm khí nitơ ôxit (Nox), giảm bụi mịn (PM). Những yếu tố này rất quan trọng đối với khu vực đô thị. Hơn nữa, xe máy điện còn tiết kiếm nhiên liệu hơn”.  Đọc thêm9 triệu người chết mỗi năm vì ô nhiễm môi trường, nhiều hơn bệnh tật, khủng bố và chiến tranh Lộ trình ba chặng ở Hà Nội Quá trình “xanh hóa” phương tiện giao thông ở Hà Nội được chia làm ba chặng : Từ ngày 01/07/2026, Hà Nội sẽ cấm xe máy chạy xăng dầu trong khu vực Vành đai 1, mở rộng phạm vi ra Vành đai 2 từ ngày 01/01/2028 và tiến tới Vành đai 3 vào năm 2030. Nhìn chung, người dân đều muốn một môi trường trong lành vì chính sức khỏe của bản thân, như trường hợp một khách hàng mua xe đạp điện : “Nhà nước đang có chính sách để bảo vệ môi trường, nhất là ở khu vực trung tâm Hà Nội. Tôi đã tìm hiểu một số mẫu xe đạp điện của nhiều thương hiệu tại Việt Nam và tôi quyết định sẽ lựa chọn một hãng để mua một chiếc, không chỉ vì môi trường mà còn vì tiết kiệm chi phí cho bản thân”. Đọc thêm“Xanh hóa” giao thông Hà Nội: Cần bỏ ôtô cá nhân thể hiện “thành đạt” và kết nối hệ thống công cộng Hà Nội dự kiến hỗ trợ mỗi người dân 3 triệu đồng để chuyển đổi xe máy xăng sang xe điện (có giá trị từ 15 triệu đồng trở lên và phải đăng ký trước thời điểm nghị quyết có hiệu lực) và 4 triệu đồng/xe đối với hộ cận nghèo ; 5 triệu đồng/xe đối với hộ nghèo. Mỗi cá nhân được hỗ trợ tối đa 1 xe đến hết năm 2030. Thành phố Hồ Chí Minh cũng có kế hoạch “xanh hóa” phương tiện giao thông, với tham vọng thay thế 400.000 xe máy chạy xăng bằng xe điện cho đến năm 2028, bắt đầu bằng lệnh cấm sử dụng xe máy chạy xăng để gọi xe và giao hàng ngay năm 2026. Thành phố sẽ cung cấp các khoản vay với lãi suất thấp, giảm thuế và thiết lập các khu vực phát thải thấp để hạn chế ô nhiễm. Một quyết định “quyết liệt” khác nhằm cải thiện môi trường là ngay từ ngày 01/07/2027, Hà Nội và thành phố Hồ Chí Minh sẽ áp dụng quy chuẩn khí thải đối với xe mô tô, xe gắn máy. Hà Nội sẽ phân vùng phát thải thấp, áp dụng nhiều biện pháp hạn chế giao thông, trong đó có cấm lưu thông xe tải hạng nặng chạy bằng dầu diesel… Các đô thị lớn khác như Hải Phòng, Đà Nẵng, Cần Thơ và Huế triển khai từ ngày 01/07/2028, còn các tỉnh, thành khác sẽ áp dụng từ ngày 01/07/2030. Bộ Giao Thông Vận Tải Việt Nam đặt mục tiêu 1/3 ô tô và hơn 1/5 xe máy sẽ chạy bằng điện đến năm 2030. Quyết định nhanh, thời hạn ngắn gây hỗn loạn hậu cần và xã hội ? Hà Nội “cần những biện pháp nghiêm ngặt để giải quyết ô nhiễm môi trường”, theo phát biểu vào tháng 07/2025 của ông Dương Đức Tuấn, khi đó là phó chủ tịch UBND thành phố Hà Nội. Tuy nhiên, thông báo đột ngột và việc triển khai trong thời hạn ngắn khiến không ít người dân lo lắng, đặc biệt là những người lao động sống nhờ xe máy. Đổi sang xe điện là cả một khoản ngân sách lớn, không phải ai cũng sẵn có, như anh Trần Văn Thanh, lái xe ôm : “Tôi không có kinh tế nhiều để đổi sang xe điện nên vẫn phải chạy xe này (chạy xăng) thôi. Chạy xe này, tôi sẽ phải lựa cuốc, lựa những chuyến chạy ngoại thành. Chứ bây giờ không có kinh tế để đổi xe mới nên cũng chịu”. Đối với một số người dân, được báo Tuổi Trẻ trích dẫn ngày 18/07, mức hỗ trợ 3 triệu đồng là “quá ít”. Đọc thêmCấm xe máy chạy xăng ở Việt Nam: Nhật Bản cảnh báo thất nghiệp hàng loạt và kêu gọi « chuyển đổi có lộ trình » Về phía các nhà sản xuất xe máy lớn nhất ở Việt Nam, như Honda và Yamaha, họ cho rằng mốc thời gian năm 2026 là quá tham vọng. Theo hãng tin Anh Reuters ngày 21/10, đại sứ quán Nhật Bản tại Hà Nội đã gửi thư đến các cơ quan chức năng Việt Nam đề nghị xem xét một “lộ trình phù hợp” cho quá trình chuyển sang xe chạy điện vì lệnh cấm đột ngột này có thể “ảnh hưởng đến việc làm trong các ngành công nghiệp hỗ trợ”, như đại lý xe máy và nhà cung cấp phụ tùng.  Xe máy Honda chiếm 80% thị trường tại Việt Nam với 2,6 triệu xe bán ra trong năm 2024. Tập đoàn của Nhật Bản rất thận trọng trong việc tiếp cận xe điện và chỉ mới bắt đầu bán xe đạp điện trong năm 2025, một phần vì nhu cầu người dùng xe xăng vẫn rất lớn. Yamaha bám sát với khoảng 17% thị phần. Theo các nguồn tin của Reuters, chính Honda dẫn đầu nỗ lực kiến nghị chính phủ xem xét lại chỉ thị. Hiện có 4 nhà máy ở Việt Nam, chủ yếu sản xuất xe xăng và chỉ có một vài mẫu xe điện, Honda có thể xem xét thu hẹp quy mô sản xuất. Các cửa hàng cho thuê, đại lý bán xe cũng sẽ phải thay đổi mô hình hoạt động, như chia sẻ của Cao Bảo Ngọc, chủ cửa hàng cho thuê xe máy, với hãng tin Mỹ AP : “Khi lệnh cấm được ban hành, đó là một thay đổi lớn và ảnh hưởng rất nhiều đến hoạt động kinh doanh của chúng tôi. Chúng tôi đã cân nhắc kế hoạch cho cửa hàng trong tương lai. Nhưng tôi nghĩ sự thay đổi này là cần thiết để Hà Nội sạch hơn, tốt hơn cho sức khỏe của mọi người. Đây cũng là một động thái tốt, có lợi cho du lịch Việt Nam”. Nước tiên phong ở Đông Nam Á nếu thực hiện được tham vọng Theo trang Mordor Intelligence, thị trường xe hai bánh Việt Nam là một trong những thị trường lớn nhất thế giới, có trị giá ước tính 4,6 tỉ đô la trong năm 2025. Một số chuyên gia cho rằng việc Việt Nam hạn chế xe xăng có thể sẽ gây ra nhiều biến động tiêu cực. Tuy nhiên, phải nói rằng thị trường xe máy điện tại Việt Nam đã hình thành từ khá lâu, ban đầu là các dòng xe nhập khẩu hoặc lắp ráp trong nước, với linh kiện chủ yếu từ Trung Quốc. Sau đó, thị trường trở nên chuyên nghiệp hơn với sự xuất hiện của nhiều thương hiệu nội địa, như VinFast hoặc Dat Bike. Những công ty này cũng như nhà sản xuất xe máy điện Trung Quốc Yadea lại đang đặt cược vào một tương lai xe điện ở Việt Nam. Với khoảng 3,5 triệu chiếc mỗi năm, Việt Nam là thị trường xe máy lớn thứ hai ở Đông Nam Á. Riêng về xe điện hai bánh, Việt Nam là thị trường lớn thứ ba ở châu Á, sau Trung Quốc và Ấn Độ, mặc dù xe máy điện hiện chiếm khoảng 12% tổng doanh số. Bà Dương Tử Phi, thuộc Hội đồng Quốc tế về Giao thông sạch, cũng cho rằng đây là một cơ hội cho các nhà sản xuất Việt Nam, bởi vì không giống như thị trường ô tô, xe máy bán ở Việt Nam được sản xuất trong nước. Việc này có nghĩa là chuyển sang xe máy điện có thể cổ vũ các nhà sản xuất trong nước, thúc đẩy khởi nghiệp và thu hút đầu tư mới. Quá trình chuyển đổi của Việt Nam cũng có thể định hình các thị trường đang phát triển khác. Ông Nguyễn Tấn Long, giám đốc tiếp thị của Dat Bike, cho biết : “Dat Bike hy vọng chính phủ sẽ có các chính sách hỗ trợ các nhà sản xuất xe máy điện như giảm tiền thuê đất sản xuất, giảm thuế nhập khẩu linh kiện xe máy điện và hỗ trợ nghiên cứu, phát triển công nghệ mới cho xe điện tốt hơn”. Đọc thêm Ô nhiễm không khí ở Hà Nội: Giải pháp không phải đơn giản Dù sao doanh số bán xe máy điện đã tăng vọt kể tư khi lệnh cấm được công bố, theo MotorcyclesData, được AP trích dẫn ngày 20/10. Doanh số xe máy cỡ nhỏ tăng 89% và xe máy cỡ lớn tăng 197% trong tám tháng đầu năm 2025. VinFast dẫn đầu với doanh số tăng hơn gấp 4 lần, vượt xa Yadea của Trung Quốc và các đối thủ nội địa khác. Hiện tại, VinFast đã có đội xe taxi riêng và cung cấp xe cho nhiều hãng đối tác khác. Ngày 30/10/2025, công ty khởi nghiệp Dat Bike và xe công nghệ Grab ký thỏa thuận hợp tác “để triển khai các dự án khuyến khích, hỗ trợ đối tác tài xế Grab tiếp cận và chuyển đổi sang xe máy điện… Hai bên cũng đặt trọng tâm phối hợp xây dựng hệ sinh thái xe điện hỗ trợ bền vững cho tài xế công nghệ”. Các nhà sản xuất xe máy điện đua nhau thiết lập trạm đổi pin để giải quyết mối lo ngại của người tiêu dùng về sự an toàn và tiện lợi của việc sạc pin. Honda thí điểm mô hình đổi pin cho người thuê mẫu xe máy điện Honda CUV e. TMT Motors triển khai hệ thống trạm đổi pin cho cả ô tô điện và xe máy điện trên phạm vi toàn quốc. VinFast có kế hoạch xây dựng 150.000 trạm đổi pin tại tất cả các địa phương trong vòng 3 năm tới, trong đó có 50.000 trạm từ giờ đến cuối năm 2025. Theo trang Thanh Niên, hệ thống đổi pin của Selex Motors được lập ở nhiều tỉnh, thành cho phép người dùng thao tác đổi pin chỉ trong 2 phút. Thương hiệu Việt này còn phát triển pin “đại trà” tương thích với nhiều mẫu xe, để người dùng của các hãng khác như DK Bike hay Evgo có thể cùng chia sẻ hệ sinh thái. Thói quen bỏ xe xăng chuyển sang xe điện của đa số người dùng mới là thách thức, rào cản lớn nhất. Về mặt cơ sở và kỹ thuật, một nhà lãnh đạo của Dat Bike, được trang CafeF trích dẫn, cho rằng “Việt Nam đang ở vị trí rất thuận lợi để dẫn đầu xu hướng xe máy điện tại Đông Nam Á. Sự hỗ trợ từ chính phủ sẽ càng củng cố vị thế này trong tương lai”. Song song với giải pháp xe điện, tăng cường kiểm tra kỹ thuật xe, lập các khu vực phát thải thấp ở trung tâm thành phố, Tổ Chức Y Tế Thế Giới cũng khuyến cáo Việt Nam cổ vũ cho phương tiện công cộng để giảm tình trạng ô nhiễm do giao thông. Đọc thêmMoov'Hanoi : Đưa giao thông công cộng thành phương thức di chuyển hấp dẫn ở Hà Nội

Bài giảng: Lễ Hành Hương Năm Thánh Giới Doanh Nhân Và Trí Thức | Đức TGM Giu-se Vũ Văn Thiên by TGP Hà Nội

VOV1 - Kết thúc phiên giao dịch, VN-Index tăng 6.67 điểm (+0.4%), lên mức 1,690.99 điểm; HNX-Index giảm 1.52 điểm (-0.58%), xuống mức 259.91 điểm. Độ rộng toàn thị trường với sắc đỏ có phần lấn lướt hơn khi bên bán có 417 mã giảm và bên mua có 289 mã tăng.- TP Hồ Chí Minh đón đầu xu thế, trở thành nơi thu hút đầu tư xanh.- UBND tỉnh Gia Lai vừa trao Giấy chứng nhận đăng ký đầu tư 3 dự án du lịch – đô thị nổi quy mô lớn tại khu vực đầm Đề Gi .- Phiên chứng khoán cuối tuần trước, họ Vingroup níu giữ hơn 14 điểm cho VN-Index .Chỉ số VN-Index vẫn giữ được sắc xanh trong phiên giao dịch cuối tuần. Ảnh: T.L

In this episode, Dr. Sumana Moole of Merus Gastroenterology & Gut Health LLC,  discusses her path to founding an independent GI practice, the growth of complex procedures in ASCs, and how AI and physician-led models are reshaping patient centered gastroenterology.

In this episode, Dr. Sumana Moole of Merus Gastroenterology & Gut Health LLC,  discusses her path to founding an independent GI practice, the growth of complex procedures in ASCs, and how AI and physician-led models are reshaping patient centered gastroenterology.

Laudetur Jesus Christus - Ngợi khen Chúa Giêsu KitôRadio Vatican hằng ngày của Vatican News Tiếng Việt.Nội dung chương trình hôm nay:0:00 Buổi cầu nguyện tại Nhà thờ Chính tòa Giáo hội Armenia Tông truyền ở Istanbul17:02 Khởi đầu chuyến tông du tại Libăng23:10 Beirut: Gặp gỡ giới chức, xã hội dân sự và ngoại giao đoàn---Những hình ảnh này thuộc Bộ Truyền Thông của Toà Thánh. Mọi sử dụng những hình ảnh này của bên thứ ba đều bị cấm và dẫn đến việc đánh bản quyền, trừ khi được cho phép bằng giấy tờ của Bộ Truyền Thông. Copyright © Dicasterium pro Communicatione - Giữ mọi bản quyền.

Kritikken mot redaktørene i redaktørstyrte medier kommer nå fra innsiden av de redaktørstyrte mediene, i hvert fall i Aftenposten. VGs politiske reporter Bjørn Haugan er stevnet som vitne i saken mot Stein Lier Hansen, men VG vil nekte å la ham forklare seg. Og er det riktig å henge ut bygdas store mann, og avisas faste spaltist gjennom mange år, som seksualovergriper et kvart århundre etter hans død? Det var dilemmaet lokalavisredaktør Tommy Fossum måtte ta stilling til denne høsten. Med Anders Giæver, Gard Steiro, Halvard Helle, Tommy Fossum og Astrid Meland. Produsent Martin Frogner. Ansvarlig redaktør Gard Steiro. Kontakt redaksjonen på giaeveroggjengen@vg.no. Giæver & gjengen gir deg de viktigste nyhetene hver dag på drøye 20 minutter når du skal hjem fra jobb. Hør «Mediebobler» hver lørdag om feilene pressen gjør og dilemmaer VG står i. Alltid på Podme.

Listen to our 2025 webinar with Dr. Mark Pimentel of MAST at Cedars-Sinai. Dr. Pimentel discusses the newest research on SIBO, IBS and present mock case studies.Mark Pimentel, MD, is the executive director of the Medically Associated Science and Technology (MAST) Program at Cedars-Sinai and in collaboration with Ruchi Mathur, MD, whose work focuses on links between metabolic disease and gut microbiome, and Ali Rezaie, MD, whose innovative work in GI motility improves the wellbeing of patients, as part of the MAST team they focus on the development of drugs, diagnostic tests and devices related to conditions of the microbiome. - Pimentel Lab

This episode recorded live at Becker's 31st Annual The Business and Operations of ASCs features Dr. Benjamin Levy, Gastroenterologist and Clinical Associate of Medicine, University of Chicago Medicine. He discusses rising demand for colonoscopy driven by updated screening guidelines, the value of ASC partnerships, and how emerging AI tools are transforming documentation, polyp detection, and overall efficiency in GI care.

This episode recorded live at Becker's 31st Annual The Business and Operations of ASCs features Dr. Benjamin Levy, Gastroenterologist and Clinical Associate of Medicine, University of Chicago Medicine. He discusses rising demand for colonoscopy driven by updated screening guidelines, the value of ASC partnerships, and how emerging AI tools are transforming documentation, polyp detection, and overall efficiency in GI care.

This episode recorded live at Becker's 31st Annual The Business and Operations of ASCs features Dr. Benjamin Levy, Gastroenterologist and Clinical Associate of Medicine, University of Chicago Medicine. He discusses rising demand for colonoscopy driven by updated screening guidelines, the value of ASC partnerships, and how emerging AI tools are transforming documentation, polyp detection, and overall efficiency in GI care.

Một số nhà kinh tế đổ lỗi cho giá nhà làm tăng lạm phát nhưng giá năng lượng đã tăng vọt hơn 37 phần trăm trong mười hai tháng tính đến tháng 10 năm 2025. Phải chăng hy vọng về việc cắt giảm lãi suất trước Giáng sinh đã tan thành mây khói?

On this episode, Dr. Chandler Wilfong and Dr. Edward Cho of the Gastrointestinal Cancer Program at OSF Healthcare join the podcast to discuss their work in expanding access to GI cancer care. They share how their nursing navigation program supports patients throughout the care journey, efforts to streamline services for greater convenience, and their plans to scale and broaden reach across the health system.

From a council estate on the Isle of Wight to conquering some of Europe's toughest mountain ultras, Charlotte Fisher's journey is nothing short of extraordinary. Less than three years ago, she had never run competitively. Today, she's a full-time ultra runner chasing elite races like UTMB and Western States 100, proving that it's never too late to find your path. In this episode, Charlotte shares how a charity ultra challenge sparked her running journey, the lessons learned from 50km races to brutal 100-mile mountain ultras, and how running transformed her mindset, confidence, and life. She opens up about the highs, the lows, and the mental toughness required to push through physical limits — from hospitalised near-sepsis to standing on podiums in Europe's toughest races. Whether you're a seasoned runner, an aspiring adventurer, or someone searching for purpose, Charlotte's story is a powerful reminder that mountains, miles, and mindset can transform your life.  What you'll hear in this episode: How Charlotte went from zero running experience to winning her first ultra Lessons learned from extreme races and mountain ultras Mental toughness, mindset shifts, and life transformation through running Training, fueling, and recovery strategies for endurance athletes Why adventure, self-discovery, and community make ultra running so addictive  New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time)! Make sure to subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Do you want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon! Join me in making a difference by signing up here: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x Show notes Who is Charlotte? From the Isle of Wight, UK – where she now lives, works, and trains Runs her own dog-walking business On a mission to become a full-time professional ultra runner Began running less than 3 years ago, starting with a charity ultra with no running experience Growing Up on the Isle of Wight Childhood on a council estate in a rural village Outdoor play, but no sporting background No sailing or traditional Isle of Wight coastal sports experience School pushed her toward law due to academic ability, despite being naturally creative Initially chased a law career for financial security, not passion Leaving Home & Early Adulthood Moved to London at 19 for university Pivoted from law to Geography degree after a crisis of direction Took a gap year to travel and try to "find her path" Felt lost through early 20s — unsure of what she should be doing with her life  How Running Entered Her Life Started running in Feb 2022, almost accidentally Signed up for a 106km Isle of Wight Ultra Challenge with zero running background Motivation: Raise money for the hospice that cared for her Aunt Jane, and raise awareness for bowel cancer First ever long run attempt: a 35km treadmill run to "qualify" for a guided 50km group run From First 50km to Winning 106km – All Within 12 Weeks Completed first 50km guided run with a coach – extremely tough but gave her belief Didn't run again for 6 months afterwards! Hired a coach and trained for 12 weeks for the Isle of Wight 106km race Won the race on her ultra debut — a shock to herself and everyone else Immediately hooked on ultras — discovered a talent for running "abnormally far"  Rapid Rise to 100 Miles & First Big Reality Check Next challenge: 100-mile North Downs Way (Centurion) just 6 months into running Won the race — but it was a harsh lesson in mental toughness and fuelling Ran through Storm Anthony — torrential rain, strong winds and brutal conditions Severe stomach issues, under-fuelled, no proper nutrition strategy Learned the importance of fuelling, hydration, and race strategy Becoming a Mountain Ultra Runner Stepped up to technical mountain ultras with Ultra Trail Snowdonia (UTS) Originally entered the 100-mile UTS (one of Europe's toughest races) with no mountain experience Only 50% finish rate – often as few as 8 female finishers Multiple recce weekends in Snowdonia to train – huge learning curve 10 days before UTS she became seriously ill & hospitalised with suspected sepsis Still ran the race, finished near the back — emotionally tough but transformative Returned the following year 13 hours faster, finishing 3rd and becoming the only woman to finish the UTS 100 twice  Mindset & Transformation Through Running Running gave her purpose, discipline, and identity Sober for almost 2 years — running helped her leave behind her old lifestyle Mental health, confidence, and self-belief have skyrocketed Found something where hard work = reward — a completely new feeling after years of feeling lost  Training, Fueling & Recovery – What's Changed? Then vs now: Early Ultras Now as an Elite Athlete No fuelling strategy Structured carb-based fuelling plan No gels, random aid-station food Precise nutrition to avoid GI issues Minimal recovery Dedicated recovery shakes & sports therapy Little mountain experience Regular training trips to European mountains Works with a sports therapist weekly during heavy blocks Body now adapts well to 100-mile training & recovery Enjoys the solitude, adventure, and freedom of trail running  Favourite Races & Future Goals Dream Races: UTMB – Ultra-Trail du Mont-Blanc (secured elite entry for 2026) Western States 100 (USA) Confirmed Upcoming Races: UTMB Mallorca Arc of Attrition (January) Ultra Trail Snowdonia (May) UTMB Chamonix (August)  What Charlotte Loves About Ultra Running Adventure, exploration, and seeing the world on foot The community, the challenge, the self-discovery Prefers mountain ultras over flat/road or backyard ultras Loves the beauty, technicality, and grit of long-distance trail running  Where to Find Charlotte Instagram: @charlottefisher (shares training, races, and inspiration)  Key Takeaways from Charlotte's Story You don't need a background in sport to become an athlete It's never too late to discover what you're meant to do You can start from zero — and still reach elite level with dedication Mountains, miles, and mindset can transform your life   Social Media Instagram @charlottefisher  

It's Thanksgiving week in the US, which means the GI staff is taking some time off, heading to wherever they rest their heads, planning dinners and get-togethers, and getting in some extra game time.In light of that, we're publishing a special early edition of The Game Informer Show this week with a little twist - rather than a roundtable discussion, we had everyone contribute their own solo take on what they're playing, thinking about, or otherwise getting back into this holiday break! From the 2025 backlog to older games, and even some tabletop options, we've got a boatload of personalized selections from the GI crew. Enjoy!The Game Informer Show is a weekly podcast covering the video game industry. Join us every Friday for chats about your favorite titles – past and present – alongside Game Informer staff and special guests from around the industry.

In this episode, Dr. Kahleb Graham (Cincinnati) joins us to chew on functional abdominal pain. Together, we explore the GI tract and the many symptoms that can result from poor gut-brain communication! From diagnosis to management, this episode is packed full of digestible insights!