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Roy L Hales/ Cortes Currents - CityWest's internet service for Cortes Island was cut off again, sometime after 10:44 on Saturday, March 8, and not restored until after 9:00 on Monday, March 10. This is the third or fourth time in the last 12 months. The outage did not affect CKTZ, which relies upon Mascon de TELUS, but did shut down numerous CityWest customers (including Cortes Currents). ‘Rumour' has it that the fibre cable was cut somewhere on the underwater stretch between Denman Island and Williams Beach.  “They require a special "marine team" to take care of it and it will be weather dependent. Hopefully the break will be near shore, but they may have to pull up the entire length of cable to find the break and fix it.” One of CityWest's public relations people confirmed there was a break in the cable, but could not say where. However the recorded announcement on their phone in line stated:  “We are seeing services affected in Williams Beach, Stories Beach, Manson's Landing, Bold Point, Heriot Bay, Whaletown, Open Bay, Granite Bay, Chatham Point, Blink Channel, Bliss Landing, Seaford, Klahoose, and Gillies Bay.” So the rumour was true, at least in regard to where the break occured. There are some questions about CityWest's recorded announcement. For starters, it says services are affected in Bold Point, Open Bay, Granite Bay and Heriot Bay - which are all Quadra Island locations. Only Regional Director Robyn Mawhinney, who lives on Quadra, has yet to hear of ANYONE being connected on Quadra Island and, up until this point, there has been no mention of Heriot Bay being served. A number of Cortes Island residents have been connected for over a year, but a lot of people have not. It is not clear which group is in the majority. In a previous post, Cortes Currents mentioned that numerous households in Squirrel Cove, Whaletown and Mansons Landing have yet to be connected. Since then, a source who wishes to remain anonyomous, claims that service has yet to be brought to Seaford Road. Don Hall, from Tiber Bay, recently stated there is no service in his area either. “We expressed interest early on to get hooked up. They used to phone us and they used to try to sell us things. They ran a line from our local road to our house, but they never ran the line from the main fiber optic network into where we live at Tiber Bay. They never hooked up our house either. The last time I ever heard anything from them was three years ago when they scheduled an appointment to hook up the internal to our house. They never showed up for that and we never heard from them again.” The Strathcona Regional District has not been talking about the connected coast project very much lately, but according to the press release on their website, this is “a joint venture between the Strathcona Regional District (SRD) and CityWest" which “will be managed and implemented by CityWest and the Strathcona Regional District.”

Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits.  Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education.   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests 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  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat.    Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type.   Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge,   Caeli Ridge  9:06   Keith, thank you for having me.    Keith Weinhold  9:08   There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction.    Caeli Ridge  9:51   I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows?    Keith Weinhold  10:29   Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note.    Caeli Ridge  10:47   I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it.    Keith Weinhold  12:33   Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries?    Caeli Ridge  13:37   It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road.   Keith Weinhold  15:05   you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop?   Caeli Ridge  15:15   Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number.   Keith Weinhold  15:35   Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created?   Caeli Ridge  15:58   I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years.   Keith Weinhold  16:36   What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much.   Caeli Ridge  16:47   not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin.   Keith Weinhold  17:26   What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com   Rick Sharga  19:48   this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:06   Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture.   Caeli Ridge  21:05   Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment,   Keith Weinhold  22:34   it drops your loan balance, but your minimum payment amount is the exact same the next month,   Caeli Ridge  22:38   right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off   Keith Weinhold  22:45   you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow,   Caeli Ridge  22:52   very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens?   Keith Weinhold  25:19   You're defaulting, you're in trouble. You become delinquent,   Caeli Ridge  25:23   right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause   Keith Weinhold  29:30   so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this?   Caeli Ridge  29:43   Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one   Keith Weinhold  30:36   and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean?   Caeli Ridge  30:48   So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed   Keith Weinhold  31:40   and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan.    Caeli Ridge  31:53   Exa  ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first.   Keith Weinhold  32:18   That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you,   Caeli Ridge  32:30   exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest.   Keith Weinhold  33:39   So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account.   Caeli Ridge  34:20   And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose    Keith Weinhold  36:13   if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow.   Caeli Ridge  36:43   Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes.   Keith Weinhold  36:50   now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question.   Caeli Ridge  38:03   Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick.    Keith Weinhold  40:00    And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan?   Caeli Ridge  40:24    Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one.   Keith Weinhold  41:33   Who is this for? And who is it not for?   Caeli Ridge  41:36   It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage   Keith Weinhold  42:12   that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it.   Caeli Ridge  42:22   Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step   Keith Weinhold  42:36   and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start?   Caeli Ridge  42:44   Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge   Keith Weinhold  42:54   and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge.   Caeli Ridge  43:23    So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse.    Keith Weinhold  44:03   It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you.   Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  45:31   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  45:59   The preceding program was brought to you by your home for wealth, building, getricheducation.com.    

State laws often define the scope of practice, certification requirements, and licensing regulations for interior designers. Staying informed ensures you comply with these rules, allowing you to work legally and avoid fines or penalties. In this episode, I have an insightful conversation with Genise Plessas, a seasoned interior designer and advocate for the profession in California. Genise delves into the challenges facing interior designers, particularly the proposed changes by IDEX that could create unnecessary barriers for both commercial and residential designers. She shares valuable insights into the work of the California Legislative Coalition for Interior Designers (CLCID), a nonprofit organization dedicated to supporting and empowering individual designers. She also reveals the resources every designer needs - a comprehensive guide on codes and regulations, as well as study materials to help you prepare for the IDEX exam. Plus, hear her inspiring story of starting her design business, working internationally, and balancing creativity with technical know-how. Whether you're a newbie dreaming of your first big project or a seasoned pro navigating new rules, this episode offers a wealth of information to help you stay informed and navigate the industry's ever-evolving landscape. Tune in now! AND don't forget to get on the Launch Your Business Boot Camp waitlist to secure your spot and get ready to launch your design business in 2025! Featured Guest: Genise Plessas is the owner of ⁠Genise Plessas Designs⁠ and brings over 27 years of experience in interior design. She assists clients in achieving the best possible design outcomes for their individual and business projects. With an office in Granite Bay, California, Genise has built a reputation in her private practice and as a partner in the commercial interior design industry. She educates clients on how to fashion a beautiful aesthetic while selecting products to fit and perform at the highest level using state-of-the-art innovations and technology. She currently sits on the California Legislative Coalition for Interior Designers known as CLCID; is a past president of the California Central Nevada chapter of the American Society of Interior Designers (ASID) as ASID as well as past president of the California Capital Chapter for National Kitchen and Bath Association (NKBA). Connect with Genise Plessas: Website: ⁠Genise Plessas Designs⁠ Email: ⁠geniseplessasdesigns@gmail.com⁠ Why you've got to check out today's episode: Learn how evolving legislation, like California's certification requirements, could impact both residential and commercial interior designers Get access to valuable tools, like code guides and study materials, that can help you navigate certification exams and stay compliant with state laws Gain insights and practical advice from a seasoned designer for balancing creativity with technical skills Check out the show notes >>> How New California Design Legislation Could Transform Interior Design Practices in 2025 Timestamps: (0:00) Introduction & Announcement: Waitlist for "Launch Your Business Bootcamp" for aspiring interior designers in 2025 (03:12) Genise Plessas: Career Journey in Interior Design (06:52) Challenges and Transitions in Genise's Career (10:23) Insights from Working Internationally and in Commercial Design (12:19) Genise's Involvement in Interior Designers Organizations (13:51) Understanding California Legislative Coalition for Interior Designers (CLCID) Mission and Goals (20:23) Perspective on California Legislation Updates and Industry Challenges (27:40) The Importance of Designer Advocacy (34:06) How to Get Involved and Stay Informed NEXT STEPS: Join ⁠the waitlist⁠ for the Launch Your Business Boot Camp—spots are limited! ⁠https://rwarddesign.myflodesk.com/launch-your-business-bootcamp Email me at podcast@rwarddesign.com DM me on Instagram at @rwarddesign Thanks for listening!

Buv wins The Show! In an epic, back-and-forth battle with Don, Buv completes a Monday Night Football comeback for the ages to take the title in 2024. Buv, Chris, Scotty, and The Commish recap the instant-classic before The Commissioner's Awards help wrap up the league's 21st season. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (5x Champion), Chris (aka "Harvey" - 2013 Champion), Scotty (aka "The Star" - 2x Champion), and Ross from Dos (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

As Week 16 comes to an end and Christmas inches closer, Buv & Don have advanced to the Week 17 The Show Championship in a rematch of the 2008 title game. Buv, Chris, Scotty, & Stev lay the other semifinalists to rest before previewing this year's final matchup. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (aka "Harvey" - 2013 Champion), Scotty (aka "The Star" - 2x Champion), and Ross from Dos (5x Champion). Heartbreaking by Kevin MacLeod | https://incompetech.com/ Music promoted by https://www.chosic.com/free-music/all/ Creative Commons Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In the aftermath of Week 15, four playoff teams have been eliminated, while four teams advance in their quest to win The Show. Buv, Chris, &Scotty are joined by The Commish & Stev to recap the results, lay the losing teams to rest, and preview Week 16's Semifinal matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (aka "Harvey" - 2013 Champion), Scotty (aka "The Star" - 2x Champion), and Ross from Dos (5x Champion). Heartbreaking by Kevin MacLeod | https://incompetech.com/ Music promoted by https://www.chosic.com/free-music/all/ Creative Commons Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 14 once again did not disappoint, as Scotty wins The Derby and earns the final coveted playoff spot. After laying the non-playoff teams to rest, the three division winners in The Show each "pick their poison," taking turns selecting their respective playoff opponents. As the matchups are selected, the league members preview each first round playoff matchup. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (aka "Harvey" - 2013 Champion), Scotty (aka "The Star" - 2x Champion), and Ross from Dos (5x Champion). Heartbreaking by Kevin MacLeod | https://incompetech.com/ Music promoted by https://www.chosic.com/free-music/all/ Creative Commons Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Ross from Dos recap Week 13 in The Show. The focus then turns to the annual Week 14 Derby which will determine the 8th and final playoff spot. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (aka "Harvey" - 2013 Champion), Scotty (aka "The Star" - 2x Champion), and Ross from Dos (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Great Gonzalez is the hottest team in the league after a huge Week 12 win to sit on top of the standings. Teams are jockeying for playoff position heading into a critical Week 13. Happy Thanksgiving to all! The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

The Commish And Andrew/Brandon keep rolling in Week 11, while Dos gets back in the win column. Buv, Chris, and Ross recap the rest of the week before looking ahead to Week 12. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

On this episode, we talk to students who attended the Journalism Education Association's national convention in Philadelphia, November 7-10. We got their perspective on how they view journalism and why it's important to them, as well as their take on the president-elect calling journalists the enemy.Student Journalists we spoke to:* Sophie Nguyen, Granite Bay High School, California (1:21)* Ghost Taylor, Olathe East High School, Olathe, Kansas (12:38)* Linus Bossardt, Daniel Pearl Magnet High School, Los Angeles (15:29)* Jenny Marquez, Daniel Pearl Magnet High School, Los Angeles (18:29)* Hannah Berk, Pulitzer Center (21:28)* Allesandra Tremulis, Carlmont High School, Carlmont California (23:00)* C.J. Getting, Naperville High, Naperville, Illinois (33:55)* Vivian Kumpf, Delaware Hayes High, Delaware, Ohio (35:41)* Juliana Yao, Conestoga High School, Berwyn, Pennsylvania (39:07)* Anna Herr Lake Central High School, St. John, Indiana (41:57)* Oskar Doepke (44:12), American School in London* Sophia Bateman (47:19), American School in London* Rena Felde (49:18), Redondo Union High School, Los Angeles* Student newspaper tribute (37:19)- The Spoke- Conestoga High, Berwyn, PA- Comet- Lake Central High School, St. John, Indiana- The Dispatch- James Bowie High School, Austin Tx- Eastside- Cherry Hill East, Cherry Hill, NJ- The Nexus- Westview High School, San Diego, CA- The Redwood Bark- Redwood High School, Larkspur, CAAdvisors saluted- Julie Francesconi, Granite Bay High School, Granite Bay, California- Adriana Chavira, Daniel Pearl Magnet High School, Los Angeles- Lindsey Skaggs, Olathe East High School, Olathe, Kansas- Cyndi Hyatt, former advisor, Conestoga High School, Berwyn, Pennsylvania- Kristina Collard, Lake Central High School, St. John, Indiana- Keith Carlson, Naperville High School, Naperville, Illinois- Julianne McLain, Delaware Hayes High School, Delaware, Ohio- Louisa Avery, American School in London, London, England- Justin Raisner, Carlmont High School, Carlmont, CaliforniaAlso saluted- Journalist Kitty Felde- Washington Post reporter, Arelis Hernández- Sophia Bassi, student, Columbia University Articles of note- Why Does Wellness Notify My Parents by Sophie Nguyenhttps://granitebaytoday.org/why-does-wellness-notify-my-parents/- Hidden Narratives, Individual Realities of Student Drug Dealing by Allesandra Tremulishttps://scotscoop.com/hidden-narratives-individual-realities-of-student-drug-dealing/Thank you as always for listening. Please send us feedback to journalismsalute@gmail.com Visit our website: thejournalismsalute.org Mark's website (MarkSimonmedia.com)Tweet us at @journalismpodSubscribe to our newsletter– journalismsalute.substack.com

Outside of a Burrow to Chase eruption for The Commish, Week 10 was kind of a stinker. Buv, Chris, Scotty, and Ross sift through the wreckage before previewing Week 11. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 9 saw FOUR games in The Show come down to the final drives of Monday Night Football. Buv, Chris, and Ross recap the chaos and look ahead to Week 10. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 8 saw Scotty win his 2nd straight, Harvey continue his winning streak, and Dos reach arguably a low point of the season. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

After Week 7, we are officially at the halfway point of the fantasy football regular season. Buv, Chris, Scotty, and Ross sort through where things stand before previewing Week 8. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Send us a textROBI QUICK is a bundle of energy. If you took a blender and threw in passion, enthusiasm, magnetism, talent, and a go-getter attitude, you would get Robi Quick. Robi is the Chief Entertainment Officer for RQ Entertainment, currently serving Sacramento and Placer Counties. But here's the thing ... he is willing to go anywhere to do his thing. He's an auctioneer. He's an emcee. He has worked as a pastor. He could host game shows. He is even testing his skills as a DJ. Bottom line ... Robi is multi-talented.In today's episode, Robi and I passionately discuss his journey. Robi moves fast so it's important to stay locked in because you don't want to miss the nuggets of gold that Quick has to offer entrepreneurs who are looking for direction or a dose of inspiration.HOST STEVE BUZZARD on Robi: "What I love about Robi is that he is who he is. Nothing different. And his talent is top shelf. When I say he could literally do anything, I mean it. I enjoy his honesty as it relates to his own journey of finding out how to showcase his talents in the different arenas we discuss."Our Connection | While we weren't able to get to it in this episode, my journey with Robi started in 2016 when we both attended Bayside Church in Granite Bay. Robi was a youth pastor and I quickly saw his incredible gift. Because we both enjoy the same type of things professionally (auctions + emcee work), we stayed in touch over the years. The video version of this episode is ALSO AVAILABLE on YOUTUBE.  Don't miss out, SUBSCRIBE to get notified of ALL new ETB episodes as they are released. ETB with Robi QuickInstagram | @rqeliveENJOY THE CONVERSATION!

In a special Birthday Episode (Happy Birthday, Harvey), Stev and Andrew join Buv, Chris, Scotty, and Ross to recap Week 6 in The Show and preview Week 7. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 5 saw Scotty continue to struggle, causing him to put an ultimatum on his Star-franchise branding! The Week 6 preview puts a lot on the line for several members of The Show... The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 4 saw Scotty suffer a horrific Monday Night Football defeat, while Chris and Ross get back on track with nice wins. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

After Week 3, Buv, Chris, Scotty, and Ross are all reeling following tough losses. After recapping a brutal Week 3, they preview Week 4's first round of cross-division mathcups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

After Week 2, most of The Show sits at 1-1. Buv, Chris, Scotty, and Ross recap Spencer's 1st birthday and the Week 2 results before previewing an important Week 3. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 1 has come and gone, and overactions are out of control in this episode! Buv, Chris, and Ross all try to make sense of Week 1 losses, while Scotty tries not to get too far ahead of himself after winning his season opener. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Shortly before the season officially kicks off in Kansas City, Buv, Scotty, Chris, and Ross provide their thoughts on the new team names for the 2024 season of The Show before previewing the Week 1 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

We celebrated the 2 year anniversary of Moksa Barrel House in Roseville! A collaboration between Moksa Brewing and Hawks restaurant in Granite Bay which guarantees great beers and good food. We've been many times and will be back many more times.

On the morning of the 21st annual The Show draft, it's a record turnout for Draft Day. Buv, Harvey, Scotty, Ross & Ryan from Dos, The Commish, Stev & Steve, Andrew & Brandon, Dana, and Don all gather poolside in Granite Bay to partake in the festivities, which include several team name reveals and some serious shade throws at CBS' Fantasy's customer service! The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

The Show Show is a podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen for insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (5x Champion). The 21st season of The Show is officially underway! Buv, Chris, Scotty, Kinney, Mark, Stev, and Steve gather poolside in Granite Bay to look back at last season and discuss the upcoming 2024 fantasy football season. The 2024 Draft Lottery is conducted live on the pod. --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this special episode of The Mark Haney Show, we are joined by former NFL wide receiver Adam Jennings and his adoptive parents, Dave and Lacey McCoy. Adam, a Granite Bay native and Fresno State alum, shares his journey from high school standout to professional football player, highlighting the personal "cheat codes" that helped him succeed both on and off the field. We delve into his transition from the NFL to a successful career in real estate, his views on the importance of hustle and versatility, and the life lessons he learned along the way. Dave and Lacey McCoy provide heartfelt insights into their role in Adam's life, discussing the stability and support they offered and how it shaped his path to success. Don't miss this inspiring conversation about determination, resilience, and the transformative power of community and family support. _______________________________________________________________ If this episode inspires you to be part of the movement, and you believe, like me, that entrepreneurs are the answer to our future, message me so we can join forces to support building truly great companies in our region.  - Subscribe to my channel here: https://www.youtube.com/channel/UCom_​...  -   Mark Haney is a serial entrepreneur that has experience growing companies worth hundreds of millions of dollars. He is currently the CEO and founder of HaneyBiz  -   Instagram: http://instagram.com/themarkhaney​  Facebook: www.facebook.com/themarkhaney  LinkedIn: https://www.linkedin.com/in/markehaney​  Website: http://haneybiz.com​  Audio Boom: https://audioboom.com/channels/5005273​   Twitter: http://twitter.com/themarkhaney - This video includes personal knowledge, experiences, and opinions about Angel Investing by seasoned angel investors.  This content is for informational purposes only and should not be construed as legal, tax, investment, or financial advice.  Nothing in this video constitutes a solicitation, recommendation, or endorsement. #thebackyardadvantage #themarkhaneyshow #entrepreneur  #PowerOfWith #SacramentoEntrepreneur #Sacramento #SacramentoSmallBusiness #SmallBusiness #GrowthFactory #Investor #Podcast

From the owner of Fourk Kitchen comes a new authentic Italian restaurant, Sette Pasta House! We had the opportunity to taste test the menu prior to their grand opening in June. If you love flavor and genuine Italian cuisine, this is the spot for you!

Skyline Church held a Parenting Seminar with speaker Pastor Ray Johnston on Sunday, April 28 . The topic was "Raising G-Rated Kids in an X-Rated World."Ray Johnston is the Senior Pastor of Bayside Church in Granite Bay, CA. A 20-year veteran of both youth and adult ministry, he's the founding pastor of Bayside Church, which has grown to over 20,000 in twenty years. A veteran pastor and visionary leader, Ray believes the church is called to outreach, spiritual growth, and equipping our leaders. In addition to his tireless efforts at Bayside, Ray serves as president of Developing Effective Leaders and has authored four books, all of which contain his trademark wit and dynamic style. Ray also speaks frequently at conferences, leadership training events, family camps, and national youth events.

Guest Speaker, Author and Pastor Mark Clark from Bayside Church in Granite Bay! Join us for week 3 of Wonderfully Made where we unpack how God's character is displayed through the harmony of his designed creation—including earth/sky, light/darkness, waters/land, and male/female—while addressing gender dysphoria, etc.

                    Listen in as Erin and Kelly discuss: How a customer who walked into the bank Kelly had been working at for 16 years changed everything and then 13 years ago she made another pivot while at the top of her game  How Kelly's mom getting sick set her on a path of getting present and prioritizing her emotional and physical wellbeing How Kelly's theme of the year for 2007 supported her in continuing to build throughout 2008 Incorporating strong boundaries such as sending all calls to voicemail in order to keep focus The power of identifying your own human capacity through an abundance audit The number one way we self-sabotage and what to do instead How to reframe the notion of “problems” and eliminating certain negative words creates a much different experience …and so much more! About Kelly Resendez is a writer, speaker, Executive at GoodLeap, co-owner of GoBundance women, and founder of Big Voices — a women empowered network. She is the author of the best seller Big Voices and Foundation to Sustainable Success. Her mission is to help others increase joy, reduce self-suffering and learn to think differently so you can live an authentic and extraordinary life. She is the mother of two amazing kids and lives in Granite Bay, Ca. How to Connect With Kelly Website: https://kellyresendez.com/ LinkedIn: https://www.linkedin.com/company/gobundancewomen Facebook: https://www.facebook.com/kelly.resendez https://www.facebook.com/gobundancewomenofficial Instagram: https://www.instagram.com/kelly_resendez/ Recommended Resources  Go Abundance Women: www.gobundancewomen.com

Looking to shake up your real estate game? Meet Gail DeMarco, our extraordinary guest on this week's episode of Real Estate Real World! As a former photographer turned top agent and coach, Gail's unconventional approach to prospecting is making waves in the industry. Discover why door knocking is her secret sauce for success and how she's helping agents level up with her coaching programs. Ready to ditch cold calls and start connecting authentically? Tune in now at www.RealEstateRealWorld.com for the full episode!

RNC sits down with Granite Bay Rugby Club based in Placer County, California. GBR won the 2022 Boys High School Varsity National Championship and is continually ranked in the top 10 Rugby Clubs in the United States. The program is run by head coach and Director of Rugby, Chris Miller (Cal, USA Eagles). We talk to Chris and his coaches about the club, its history, and so much more.worldrugbyshop.com rugbynorcal.org

In John 6, Jesus allowed his disciples to sail into a storm. But why? Why would he allow them to face something that they were terrified of experiencing?In this episode, Dominic shares three ways that God uses storms in our life: To grow our faith, strengthen our hope, and deepen our love.Pursuing Faith Events CalendarThrive Bible Conference in Granite Bay, CA

Dos wins The Show! Ross & Ryan run the table and win their 12th straight game to capture the franchise's 5th ever championship. Both victors join Buv, Chris, and Scotty to recap a dominating season for Dos and to help put a bow on the league's 20th season. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (5x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

A high-scoring blow-for-blow semifinal sees Dos survive Wide Wide West and advance to the championship, while Hot Seats puts up a dud and watches Seis Armadillos cruise to the final. it'll be Ross & Ryan vs Dana & Graham for the 2023 championship. As part of the preview of the final week of The Show's 2023 season, the Commish hands out his annual Commish Awards. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (4x Champion). Heartbreaking by Kevin MacLeod | https://incompetech.com/ Music promoted by https://www.chosic.com/free-music/all/ Creative Commons Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 15 saw top-seeded Dos cruise by Don's Los Cuervos for a 10th straight win. Dana, Stev/Steve, and Matt G also advance. The four Round 1 losers are laid to rest before setting the Week 16 semifinals matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (4x Champion). Heartbreaking by Kevin MacLeod | https://incompetech.com/ Music promoted by https://www.chosic.com/free-music/all/ Creative Commons Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Week 14 yet AGAIN saw a thrilling derby take place that went down to the final few minutes of Monday Night Football. After laying the non-playoff teams to rest, the three division winners in The Show each "pick their poison," taking turns selecting their respective playoff opponents. As the matchups are selected, the league members preview each first round playoff matchup. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (4x Champion). Heartbreaking by Kevin MacLeod | https://incompetech.com/ Music promoted by https://www.chosic.com/free-music/all/ Creative Commons Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

Eric Roberts is still the best, a totally Los Angeles Robert Blake movie, the amazing and somewhat insane Shane Macgowan, bloody noses, my error on The Ice Harvest, my mom and her addiction to books, a hilarious Keanu Reeves moment, some restaurants, getting lost while stoned with Buckley, Paulie Malinaggi and his wardrobe malfunctions, and Jim Carrey as Vanilla Ice. Stuff mentioned: Joe Dancer: The Big Black Pill (1981), The Pogues "Summer in Siam" (1990), Modern Problems (1981), The Ice Harvest (2005), Book Soup (8818 W Sunset Blvd, West Hollywood, CA 90069),  The Viper Room (8852 Sunset Blvd, West Hollywood, CA 90069), Jerry Stahl Permanent Midnight (1995), The Menu (2022), The Smoke House (4420 W. Lakeside Drive, Burbank, CA 91505), Lobster and Beer (3456 Motor Ave, Los Angeles, CA 90034), Kru (3135 Folsom Blvd, Sacramento, CA), Hawks (5530 Douglas Blvd, Granite Bay, CA 95746), AC/DC "Thunderstruck" (1990), and In Living Color "White, White, Baby" (1991).

In this episode, Buv, Chris, Scotty, and Ross from Dos recap Week 13 in The Show. The focus then turns to the annual Week 14 Derby which will determine the 8th and final playoff spot. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Ross from Dos recap Week 12 in The Show and look ahead to the Week 13 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Ross from Dos recap Week 11 in The Show and look ahead to the Week 12 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Ross from Dos recap Week 10 in The Show and look ahead to the Week 11 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Spencer recap Week 9 in The Show and look ahead to the Week 10 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Ross from Dos recap Week 8 in The Show and look ahead to the Week 9 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, and Ross from Dos recap Week 7 in The Show and look ahead to the Week 8 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, and Ross from Dos recap Week 6 in The Show and look ahead to the Week 7 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, and Scotty recap Week 5 in The Show and look ahead to the Week 6 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, and Scotty recap Week 4 in The Show and look ahead to the Week 5 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support

In this episode, Buv, Chris, Scotty, and Spencer (podcast debut) recap Week 3 in The Show and look ahead to the Week 4 matchups. The Show Show is a weekly podcast dedicated to following The Show, a fantasy football league based in Granite Bay, CA. Subscribe & listen if you want insight, matchups, and trash talk from this one-of-a-kind league. Regular contributors include Buv (4x Champion), Chris (2013 Champion), Scotty (2x Champion), Andrew (2x Champion), and Ross (4x Champion). --- Support this podcast: https://podcasters.spotify.com/pod/show/the-show-show/support