POPULARITY
Categories
1,150 episodes with Hammond
521 episodes with Hammond
222 episodes with Hammond
192 episodes with Hammond
178 episodes with Hammond
76 episodes with Hammond
32 episodes with Hammond
42 episodes with Hammond
49 episodes with Hammond
56 episodes with Hammond
29 episodes with Hammond
174 episodes with Hammond
24 episodes with Hammond
30 episodes with Hammond
27 episodes with Hammond
15 episodes with Hammond
30 episodes with Hammond
18 episodes with Hammond
15 episodes with Hammond
13 episodes with Hammond
29 episodes with Hammond
23 episodes with Hammond
8 episodes with Hammond
12 episodes with Hammond
19 episodes with Hammond
12 episodes with Hammond
13 episodes with Hammond
8 episodes with Hammond
11 episodes with Hammond
7 episodes with Hammond
8 episodes with Hammond
18 episodes with Hammond
4 episodes with Hammond
9 episodes with Hammond
5 episodes with Hammond
13 episodes with Hammond
11 episodes with Hammond
23 episodes with Hammond
10 episodes with Hammond
19 episodes with Hammond
6 episodes with Hammond
23 episodes with Hammond
12 episodes with Hammond
6 episodes with Hammond
8 episodes with Hammond
7 episodes with Hammond
14 episodes with Hammond
12 episodes with Hammond
11 episodes with Hammond
7 episodes with Hammond
5 episodes with Hammond
14 episodes with Hammond
6 episodes with Hammond
7 episodes with Hammond
6 episodes with Hammond
9 episodes with Hammond
6 episodes with Hammond
8 episodes with Hammond
14 episodes with Hammond
6 episodes with Hammond
6 episodes with Hammond
7 episodes with Hammond
20 episodes with Hammond
6 episodes with Hammond
5 episodes with Hammond
7 episodes with Hammond
12 episodes with Hammond
12 episodes with Hammond
6 episodes with Hammond
5 episodes with Hammond
6 episodes with Hammond
7 episodes with Hammond
5 episodes with Hammond
6 episodes with Hammond
6 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
6 episodes with Hammond
7 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
10 episodes with Hammond
3 episodes with Hammond
13 episodes with Hammond
2 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
5 episodes with Hammond
6 episodes with Hammond
3 episodes with Hammond
5 episodes with Hammond
3 episodes with Hammond
5 episodes with Hammond
6 episodes with Hammond
4 episodes with Hammond
5 episodes with Hammond
3 episodes with Hammond
3 episodes with Hammond
3 episodes with Hammond
4 episodes with Hammond
6 episodes with Hammond
6 episodes with Hammond
6 episodes with Hammond
3 episodes with Hammond
3 episodes with Hammond
4 episodes with Hammond
5 episodes with Hammond
4 episodes with Hammond
5 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
6 episodes with Hammond
5 episodes with Hammond
8 episodes with Hammond
8 episodes with Hammond
8 episodes with Hammond
6 episodes with Hammond
3 episodes with Hammond
8 episodes with Hammond
11 episodes with Hammond
4 episodes with Hammond
2 episodes with Hammond
2 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
10 episodes with Hammond
8 episodes with Hammond
2 episodes with Hammond
11 episodes with Hammond
4 episodes with Hammond
7 episodes with Hammond
4 episodes with Hammond
3 episodes with Hammond
3 episodes with Hammond
4 episodes with Hammond
5 episodes with Hammond
3 episodes with Hammond
3 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
2 episodes with Hammond
11 episodes with Hammond
3 episodes with Hammond
7 episodes with Hammond
3 episodes with Hammond
5 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
4 episodes with Hammond
2 episodes with Hammond
2 episodes with Hammond
3 episodes with Hammond
4 episodes with Hammond
3 episodes with Hammond
3 episodes with Hammond
12 episodes with Hammond
2 episodes with Hammond
4 episodes with Hammond
3 episodes with Hammond
State of the Arts Episode 245 now available for streaming on Spotify! Podcaster Calvin Sampson is my guest of honor this week. Calvin, along with his wife Cathy Sampson and their dear friend Ray, co-hosts a podcast called (Ray, Calvin & Cathy) RCC Corporate. Their podcast is a steady platform for faith, hope and joy. As an active member of a church, my creative guest is a choir singer, drummer and Hammond organist. As the founder of “The Living Experience,” he brings a worship team to nursing homes and neighboring churches to perform gospel music. XoxBŕåñđý Řenee BâkeřXox is a mutual friend of ours who has also been on my podcast multiple times in the past. There are several shoutouts to Brandy Baker during this endearing episode. I am happy to have yet another fellow podcaster on State of the Arts! Tune in for an engaging episode about friendship, love, faith, hard work, dreams, goals, music and podcasting!
Need some holiday listening?!Here's your chance to listen back to some of the great guests that have joined The Chris Evans Breakfast Show with The National Lottery.Back in November 2024, the amazing Alison Hammond has us chuckling with news of her debut novel, Bombshell.And Bono Zoomed in to tell us all about his film Bono: Stories of Surrender, out on Apple TV+.Chris and the Class Behind The Glass are back on Monday morning from 6.30am, listen on your smart speaker just say "Play Virgin Radio!" Hosted on Acast. See acast.com/privacy for more information.
“AI and agentic marketing is at the top of the list” as the next growth catalyst for customer engagement, Salesforce Marketing Cloud Chief Steve Hammond tells Bloomberg Intelligence, flagging the company's move to deploy autonomous, context-aware agents that personalize outreach in milliseconds. In this Tech Disruptors episode, Hammond sits down with BI senior technology analyst Anurag Rana to explore how Salesforce's Marketing Cloud unifies data across sales, service and commerce. He also discusses the role of AI-powered agents and real-time personalization, and why integrated, trust-centric customer data positions marketers for resilience through economic cycles.
The Book of Jude - Pastor John Wilkerson - Wednesday Evening, August 6, 2025 by First Baptist Church of Hammond
We are pleased to present this special episode from a podcast headed by our fellow podcaster, friend, and supporter of veterans, Buzz Knight.Buzz has been a force in media, working as a strategist and a media executive for decades. He has an excellent podcast called "Takin' A Walk", a show that focuses on resilience, mental health, and amazing stories through the healing power of music. We are fortunate to cross-pollinate with Buzz to share an episode of "Takin' A Walk" where he shares an interview with the Chief Executive Director for the Home Base, retired U.S. Army Brigadier General Jack Hammond. General Hammond is a decorated combat leader and private sector innovator who has served on advisory groups for presidents, governors, and businesses. General Hammond led U.S. and NATO forces in combat and counter-terrorism operations in both Iraq and Afghanistan. This includes: simultaneously commanding two separate Battalion-level Task Forces on more than one hundred successful intelligence-fused counter-terrorist operations in Iraq.General Hammond, along with chief operating officer Michael Allard, has led a team of both civilian and military staff to take care of more than 40,000 veterans and their families for more than 15 years. On the heels of the 16th annual Run To Home Base just the other day at Fenway Park, we realize more than ever how this shared admission is so vital to serve all of those who have been serving and protecting so many and continue to do so. If you would like to hear more episodes of 'Takin' A Walk,' visit the archives at takinawalk.com. Home Base Nation is the official podcast for the Home Base Program for Veterans and Military Families. Our team sees veterans, service members, and their families addressing the invisible wounds of war at no cost. This is all made possible thanks to a grateful nation. To learn more about how to help, visit us at www.homebase.org. If you or anyone you know would like to connect to care, you can also reach us at 617-724-5202.Follow Home Base on Twitter, Facebook, Instagram, LinkedInThe Home Base Nation Team is Steve Monaco, Army Veteran Kelly Field, Justin Scheinert, Chuck Clough, with COO Michael Allard, Brigadier General Jack Hammond, and Peter Smyth.Producer and Host: Dr. Ron HirschbergAssistant Producer, Editor: Chuck CloughChairman, Home Base Media Lab: Peter Smyth
Sleep expert Katie Sowder, APRN, from Hammond-Henry Hospital, joined Tom Katz on “Here's to Your Health” to explore the often-overlooked world of sleep apnea. Sowder explained how undiagnosed sleep disorders can have profound effects on daily life, including fatigue, concentration problems, and long-term health risks. Listeners learned to recognize warning signs, such as loud snoring and frequent nighttime awakenings. The discussion highlighted sleep studies as an essential step in diagnosis, with Hammond-Henry Hospital clinics offering advanced testing and support. Sowder emphasized the importance of seeking help and sharing the latest treatment options to improve sleep and overall well-being.
Hey there, Welcome to Living Word! We're so glad you're here with us. If you find this message inspiring, don't forget to hit that like button and subscribe for more amazing content. We've got a lineup of guest speakers, pastors, and engaging discussions with our awesome community members coming your way. Let's dive in together! Our Links–• Join The Prayer Movement!: https://theprayermovement.com• Instagram: https://www.instagram.com/livingwordmn• Facebook: https://www.facebook.com/livingwordmn• Stay up to date with all things LWCC at https://www.LWCC.org• Join our Online Church community here: https://www.lwcc.org/onlinechurch• Give online: https://www.lwcc.org/give/• If you recently committed your life to God, we'd like to give you a free eBook to help you in your spiritual journey. Click here to download: https://www.lwcc.org/nextsteps/#LivingWord #ChurchSermon #Worship
Genesis 17 - Pastor John Wilkerson - Sunday Morning, August 3, 2025 by First Baptist Church of Hammond
Matthew 18 - Pastor John Wilkerson - Sunday Evening, August 3, 2025 by First Baptist Church of Hammond
Performance used with permission from Marc Ribot. The Hammond B3 sound sits, at least to me, at the core of Soul Jazz. The Hammond in the right hands expresses a depth and authenticity to music that other instruments struggle to match. Guitarist Marc Ribot would take this thought one step further and assert that the depth and authenticity of the Soul Jazz movement of the late 1970s and the New York punk movement going on at the same time had similar expressiveness, even if the two scenes had different circles and different core motivations. Expressing these commonalities are something he's been chasing ever since, and we're fortunate enough to hear the fruits of that effort on this program. It's doubly special because the Jazz Bins feature Greg Lewis on the Hammond B3 and New Orleans native Joe Dyson on drums. From two sold out performances on April 13th, 2024, it's time to find out what sits at the intersection of Soul Jazz and Punk with Marc Ribot's Jazz Bins…Live at the Bop Stop.
Pastor Mac delivered the fourth message in his eye-opening series, “Strategies of Deceit.” Understanding how the enemy operates is not optional, it's essential. One of the enemy's most dangerous tactics? Convincing people he doesn't even exist.Most folks don't have a hard time believing in God. You look at creation, the intricacy, the beauty, the order and you know it didn't happen by accident. But Satan? A cartoon villain with horns and a pitchfork? It's easy to dismiss him as a myth.And that's exactly what he wants.Because the moment you stop believing he's real is the moment he gains ground in your life. As Pastor Mac put it, not believing in the Devil just gives him the freedom to "eat your lunch."Our Links–• Join The Prayer Movement!: https://theprayermovement.com• Instagram: https://www.instagram.com/livingwordmn• Facebook: https://www.facebook.com/livingwordmn• Stay up to date with all things LWCC at https://www.LWCC.org• Join our Online Church community here: https://www.lwcc.org/onlinechurch• Give online: https://www.lwcc.org/give/• If you recently committed your life to God, we'd like to give you a free eBook to help you in your spiritual journey. Click here to download: https://www.lwcc.org/nextsteps/#LivingWord #ChurchSermon #Worship
Adventurous Living - The Meadow Springs Community Church Podcast
Craig & Megan Hammond are serving at a public high school in the Salem-Keizer School District where Craig officially serves as the Chaplain for North Salem High School. He also acts as an assistant coach and Megan is present in many ways for the students and staff. The opportunities that God has given them are resulting in hearts and souls being won for the Kingdom—not every day, but bit by bit and little by little, love wins through the Hammond's work.
In this episode of the Birdshot Podcast, host Nick Larson welcomes Andy Wayment, a passionate upland bird hunter, fly fisherman, and bibliophile, to discuss some of the best books in the world of upland hunting and fly fishing. Their conversation spans timeless authors like Burton Spiller and Tom Davis, plus a special look at books like Irish Red and Big Red. Whether you're a bird hunter, fly fisherman, or just a lover of outdoor literature, this episode is sure to inspire your next reading list. Andy Wayment is an avid upland bird hunter, fly fisherman, and self-proclaimed book nerd. With years of experience in bird hunting and a deep appreciation for literature, Andy has curated an extensive collection of hunting and fishing books. He is particularly passionate about sharing his knowledge of the classic authors and hidden gems in the genre. Andy has also authored his own books on Idaho upland hunting, contributing to the literary world of bird hunting. Expect to Learn The best books on upland bird hunting, including Irish Red and Big Red. Insights into the connections between fly fishing and bird hunting literature. Hidden gems in bird hunting books, including works by Burton Spiller and Tom Davis. Why fly fishing books also attract hunters and how the two pursuits often intersect in literature. The upcoming release of Andy's own book, Idaho Grouse Fever, and what readers can expect. Episode Breakdown with Timestamps [00:00:00] - Introduction to Andy Wayment and His Love for Books [00:03:52] - Andy's Story as a fly fisherman [00:10:23] - The Connection Between Fly Fishing and Upland Hunting books [00:15:59] - Authors and their Qualifications [00:25:05] - Irish Red and Big Red by Jim Kjelgaard [00:36:47] - Best Birds by Worth Mathewson [00:42:55] - Andy's New Book [00:57:40] - No. 1 Book - Drummer in the Woods [01:03:58] - Hour+ of Book Recommendations and Closing Thoughts. Follow Andy Wayment Instagram: https://www.instagram.com/andywayment/ Website: https://uplandways.com/ ANDY'S TOP FIVE FAVORITES: 1. Drummer in the Woods, Burton Spiller 2. Partridge Shortenin', Gorham Cross (Grampa Grouse) 3. My Friend the Patridge, S.T. Hammond 4. That's Ruff, George King 5. Grouse Feathers, Again, Burton Spiller Runner's Up: 6. Upland Days, William G. Tapply 7. Upland Autumn, William G. Tapply 8. A Passion for Grouse, anthology edited by Tom Pero ANDY'S PICKS FOR FAVORITE UPLAND FICTION 1. A Millionaire's Dream, Brett Wannacott 2. A High Lonesome Call, Robert Holthowzer 3. Jenny Willow, Mike Gaddis 4. Irish Red, Jim Kjelgaard 5. The Dumbell of Brookfield, John Tainter Foote BOOKS WITH SOME BLUE GROUSE HUNTING 1. Fool Hen Blues, E. Donnell Thomas, Jr. 2. A Hunter's Road and The Sporting Road, Jim Fergus 3. Plateaus of Destiny, Mike Gould 4. Kicking Up Trouble, John Holt 5. Grouse of North America: A Cross-Continental Hunting Guide, Tom Huggler 6. Winston, Ben O. Williams 7. Idaho Upland Days, Andrew Marshall Wayment 8. Hunting Upland Birds, Charley Waterman Follow Host Nick LinkedIn: https://www.linkedin.com/in/xnicklarsonx/ Website: www.birdshotpodcast.com Instagram: https://www.instagram.com/birdshot.podcast/?hl=en Listening Links: Spotify: https://open.spotify.com/show/17EVUDJPwR2iJggzhLYil7 Apple Podcasts: https://podcasts.apple.com/us/podcast/birdshot-podcast/id1288308609 YouTube: http://www.youtube.com/@birdshotpodcast8302 SUPPORT | http://www.patreon.com/birdshot Use Promo Code | BSP20 to save 20% on https://www.onxmaps.com/hunt/app Use Promo Code | BS10 to save 10% on https://trulockchokes.com/ The Birdshot Podcast is Presented By: https://www.onxmaps.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
In the decades since its 1949 revolution, China has emerged – or reemerged – as a global power, and the U.S. government sees China's rise as an existential threat. Now there's a bipartisan consensus, anchored in the Pentagon's strategic doctrine, preparing for war and “great power conflict” with China. Brian Becker talks with Prof. Ken Hammond, who recently returned from teaching in China, about the political, social, and class character of the Chinese socialist project. Dr. Ken Hammond is a professor of East Asian and Global History at New Mexico State University, founding director of the Confucius Institute at New Mexico State University, and a leading organizer with Pivot to Peace.Join the The Socialist Program community at http://www.patreon.com/thesocialistprogram to get exclusive content and help keep this show on the air.
Genesis 39 - Jack Mitchell - Wednesday Evening, July 30, 2025 by First Baptist Church of Hammond
II Kings 2 - John Vaprezsan - Sunday Evening, July 27, 2025 by First Baptist Church of Hammond
In this episode of the Braun Performance & Rehab Podcast, Dan is joined by Mackenzie Hammond, Lena Staropoli & Brianna Pudlo to discuss their experiences as college soccer athletes now turned soccer coaches. Mackenzie is a Doctor of Physical Therapy at ATI Physical Therapy in Pennsylvania, bringing her passion for movement and performance into every aspect of her work. A four-year standout and team captain for the Holy Family University Women's Soccer team, Mackenzie now gives back to the game as an assistant coach with HVAA, working with the 2010 and 2011 Girls Academy teams. With a unique blend of clinical expertise and on-field experience, she's committed to developing strong, resilient athletes both physically and mentally.Lena is a dedicated soccer coach and former four-year player for the Holy Family University Women's Soccer team. She currently serves as the Head Coach for HVAA's 2010 and 2011 Girls Academy teams, where she leads with passion, discipline, and a deep love for the game. Drawing from her collegiate playing experience, Lena focuses on player development, team culture, and helping young athletes grow both on and off the field.Bree" is a former five-year standout and team captain for the Holy Family University Women's Soccer team, now leading the next generation as Head Coach of HVAA's Armour 2013 Boys NPL and 2012 Boys teams. Off the field, she manages operations at Red House Bagels. Whether it's coaching on the pitch or running the show behind the counter, Bree brings energy, leadership, and a strong sense of community to everything she does.For more on Mackenzie, Lena & Bree be sure to check out @mackenzie.pt.dpt , @breepudlo , @lena.staropoli*SEASON 6 of the Braun Performance & Rehab Podcast is brought to you by Isophit. For more on Isophit, please check out isophit.com and @isophit -BE SURE to use coupon code BraunPR25% to save 25% on your Isophit order!**Season 6 of the Braun Performance & Rehab Podcast is also brought to you by Firefly Recovery, the official recovery provider for Braun Performance & Rehab. For more on Firefly, please check out https://www.recoveryfirefly.com/ or email jake@recoveryfirefly.com***This episode is also powered by Dr. Ray Gorman, founder of Engage Movement. Learn how to boost your income without relying on sessions. Get a free training on the blended practice model by following @raygormandpt on Instagram. DM my name “Dan” to @raygormandpt on Instagram and receive your free breakdown on the model.Episode Affiliates:MoboBoard: BRAWNBODY10 saves 10% at checkout!AliRx: DBraunRx = 20% off at checkout! https://alirx.health/MedBridge: https://www.medbridgeeducation.com/brawn-body-training or Coupon Code "BRAWN" for 40% off your annual subscription!CTM Band: https://ctm.band/collections/ctm-band coupon code "BRAWN10" = 10% off!Ice shaker affiliate link: https://www.iceshaker.com?sca_ref=1520881.zOJLysQzKeMake sure you SHARE this episode with a friend who could benefit from the information we shared!Check out everything Dan is up to by clicking here: https://linktr.ee/braun_prLiked this episode? Leave a 5-star review on your favorite podcast platform
City and County of San Francisco: City Events, Info & Summits Audio Podcast
Watch Download File
Luke 1 - John Vaprezsan - Sunday Morning, July 27, 2025 by First Baptist Church of Hammond
Hey there, Welcome to Living Word! We're so glad you're here with us. If you find this message inspiring, don't forget to hit that like button and subscribe for more amazing content. We've got a lineup of guest speakers, pastors, and engaging discussions with our awesome community members coming your way. Let's dive in together! Our Links–• Join The Prayer Movement!: https://theprayermovement.com• Instagram: https://www.instagram.com/livingwordmn• Facebook: https://www.facebook.com/livingwordmn• Stay up to date with all things LWCC at https://www.LWCC.org• Join our Online Church community here: https://www.lwcc.org/onlinechurch• Give online: https://www.lwcc.org/give/• If you recently committed your life to God, we'd like to give you a free eBook to help you in your spiritual journey. Click here to download: https://www.lwcc.org/nextsteps/#LivingWord #ChurchSermon #Worship
Hey there, Welcome to Living Word! We're so glad you're here with us. If you find this message inspiring, don't forget to hit that like button and subscribe for more amazing content. We've got a lineup of guest speakers, pastors, and engaging discussions with our awesome community members coming your way. Let's dive in together! Our Links–• Join The Prayer Movement!: https://theprayermovement.com• Instagram: https://www.instagram.com/livingwordmn• Facebook: https://www.facebook.com/livingwordmn• Stay up to date with all things LWCC at https://www.LWCC.org• Join our Online Church community here: https://www.lwcc.org/onlinechurch• Give online: https://www.lwcc.org/give/• If you recently committed your life to God, we'd like to give you a free eBook to help you in your spiritual journey. Click here to download: https://www.lwcc.org/nextsteps/#LivingWord #ChurchSermon #Worship
Jurassic Park (1993) is one of the greatest films of all time. Based on a novel by Michael Crichton and directed Steven Spielberg, Jurassic Park brought dinosaurs to life in this sci-fi action masterpiece. It stars Sam Neill as Alan Grant and Laura Dern as Ellie Sattler, both paleontologists, Jeff Goldblum as Ian Malcolm, a mathematician and chaos theorist, Richard Attenborough as John Hammond, CEO and founder of Jurassic Park, Joseph Mazzello as Tim Murphy, Hammond's grandson, Ariana Richards as Hammond's granddaughter, Samuel L. Jackson as Ray Arnold, Jurassic Park chief engineer and Wayne Knight as Dennis Nedry, Jurassic Park computer programmer. The first guests to the groundbreaking theme park encounter some technical difficulties when a disgruntled employee takes Jurassic Park offline. Jurassic Park is Jay's favourite film of all time and unsurprisingly it scored very highly for recommendabilty only dropping a few points on engagement to score 4.75 overall. [supsystic-tables id=401] Thanks to the Episode # 387 crew of Mark (@) and Jay (@) from Deep Blue Sea - The Podcast You can find their website here And at Please make sure you give them some love For more info on The Wonderful Story of Henry Sugar can visit Jurassic Park IMDB page here Jurassic Park Rotten Tomatoes page here. If you enjoyed this episode of Flixwatcher Podcast you probably know other people who will like it too! Please share it with your friends and family, review us, and join us across ALL of the Social Media links below. More about The MatrixFinal Plug! Subscribe, Share and Review us on iTunes Learn more about your ad choices. Visit megaphone.fm/adchoices
Jefferey Jaxen returns with breaking coverage of a major shift at the FDA: for the first time, the agency is holding a public panel to investigate the dangers of SSRI drugs during pregnancy. Could this lead to a long-overdue black box warning?Meanwhile, FDA Commissioner Dr. Marty Makary makes a stunning admission—he personally knows people who have been injured or killed by the COVID-19 vaccine. As the U.S. barrels toward net zero policies and rapid AI expansion, America's energy grid faces unprecedented strain.Plus, don't miss our powerful and emotional interview with the Hammond family, who share their heartbreaking story of losing their daughter Malaya in the devastating Texas flood. Her final act of heroism saved her family. Their journey through grief, faith, and resilience will move and inspire you.Guests: Matthew & Liz HammondBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-highwire-with-del-bigtree--3620606/support.
Are you having a good morning? Let's see if we can fix that. Did you know crocodiles can gallop like horses? They're crazy fast! Did you know there are approximately 40 supervolwcanoes worldwide, and they are way overdue to erupt? They could go off any minute now. Did you know your cellphone has ten times more bacteria on it than the average public toilet? In a world where worries are everywhere, Jesus' question in Matthew 6:28 sounds a little simplistic: “Why do you worry?” Why wouldn't I worry, Jesus?? Have you heard about the volcanoes??? But here's the thing: when Jesus talked about worry, he didn't mention crocodiles, volcanoes, or germy phones. No — he mentioned food, drink, and clothing. Those daily needs we all have and, for the most part, have enough of. But what about those who don't? I can't do much about the crocodiles out there, but if I'm not worried about my daily needs, maybe I can do something about someone else's worries. Today at South Side Christian Church, we'll hear Jesus' words about worry and his prescription for a worry-free community. I hope you can join us at either 9:00 or 10:30 am. We'd love to see you there. Oh, and you probably ought to wipe that phone off after you're done reading this.
Nahum 1 - Ted Speer - Wednesday Evening, July 23, 2025 by First Baptist Church of Hammond
Today, we're talking with Rick Fowler and Mike Doke, members of Athens' finest — the Rick Fowler Band. This powerhouse blues-rock group is led by Rick Fowler, whose guitar work and songwriting are a blend of blues, rock and music that will reach into the depths of your soul, you almost fall over listening to them. Alongside him are local legends in their own right: Michael Doke on guitar, Greg Veale on bass, Tim White on Hammond organ, and Deane Quinter on drums. These guys don't just play music — they live it. They've backed icons like Beverly “Guitar” Watkins, played with members of R.E.M., Widespread Panic, Drivin' n' Cryin', Tinsley Ellis, T Graham Brown. AthCastMusic (©): The Music of Athens Georgia, Now and ThenSEASON: 4 EPISODE: 41 LENGTH: PUBLISHED: June 26, 2025UPDATED WEEKLY ON THURSDAYENGINEER: KAYLA DOVERRECORDED AT TWEED RECORDING AUDIO PRODUCTION SCHOOLhttps://tweedrecording.com (https://tweedrecording.com/) (https://tweedrecording.com/)Produced by The Lightroom-AthPhotos and Camera: Ellison Suhoza & Lucca FagundesExecutive Producers: Guillermo Zouain and Wendy MuñizCONTACT FOR ATHCASTMUSIC:mailto:marlene@athcastmusic.comInstagram: AthCastMusicYouTube: AthCastMusic (@MarleneSokolStewart-12)Facebook: https://www.facebook.com/profile.php?id=61550294283019THE RICK FOWLER BAND INFO:Website: Therickfowlerband.comFacebook: https://www.facebook.com/search/top/?q=TheRickFowlerBandIG: rickfowlerband THANK YOU SO MUCH FOR LISTENING TO AND WATCHING ATHCASTMUSIC! KINDLY SUBSCRIBE TO OUR YOUTUBE CHANNEL, GIVE A REVIEW, FOLLOW US ON SPOTIFY, APPLE PODCASTS AND AMAZON MUSIC.REMEMBER, “IF YOU DON'T LISTEN, YOU CAN'T HEAR.” Rick Fowler and Mike Doke talk about their past projects to their latest instrumental project The Deadwood Sessions — built around guitars made from fallen Georgia trees. Whether you've followed them for years or are just discovering their sound, listen in to this episode of AthCastMusic for a deep dive into the music and stories of Rick Fowler and Mike Doke of the Rick Fowler Band.
On this special bonus episode, Dan Wallach announces the release of "Nancy Faust At The Game" - the 1978 debut album of legendary organist Nancy Faust. Nancy is most famous for her 41-year career playing for the Chicago White Sox from 1970 through 2010 during which she invented walk-up music and popularized the singing of "Take Me Out To The Ballgame" during the 7th inning stretch. Order the CD at artisticintegrityrecords.bandcamp.com Follow MBH on facebook, twitter, and instagram @shoelesspodcast and sign up for the email newsletter at shoelesspodcast.substack.com Don't forget to rate, review, and listen on iTunes, Google, Spotify, Stitcher, or your favorite podcast app. Thanks to: Ryan Starinsky for the opening theme and his acoustic version of "Take Me Out To The Ballgame" Gary Cieradkowski at www.studiogaryc.com for creating the MBH artwork Mitchell Ransdell and Nick Vetter for their help with the graphics and layout of the album Nancy Faust My mom
Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment. The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply. Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states. Resources: Follow Hannah on Instagram Show Notes: GetRichEducation.com/563 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education. Speaker 1 0:27 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:12 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 1:28 Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income. Keith Weinhold 3:29 Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now. Keith Weinhold 10:21 Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down. Keith Weinhold 11:23 Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace. Keith Weinhold 16:30 And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing. Keith Weinhold 20:29 How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional. Keith Weinhold 22:02 I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners. Keith Weinhold 23:51 coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it. Keith Weinhold 24:31 The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy? Keith Weinhold 25:03 Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866 Caeli Ridge 26:13 this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream. Keith Weinhold 26:31 Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat Hannah Hammond 26:48 you too. It's been so great to get to know you on this ship, and it's been a lot of fun, Keith Weinhold 26:51 and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that. Hannah Hammond 27:19 Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt. Keith Weinhold 27:44 That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that. Hannah Hammond 28:03 Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up Keith Weinhold 29:08 income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be. Hannah Hammond 29:23 So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore. Keith Weinhold 30:36 That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans Hannah Hammond 31:11 Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset. Keith Weinhold 32:26 So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here. Hannah Hammond 32:37 exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets. Keith Weinhold 32:56 Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you? Hannah Hammond 33:04 I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil. Keith Weinhold 33:04 This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that? Hannah Hammond 33:42 At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market. Keith Weinhold 34:27 Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you. Keith Weinhold 34:40 Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream. Speaker 3 35:33 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 35:56 You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866, Keith Weinhold 37:12 The preceding program was brought to you by your home for wealth, building, getricheducation.com.
Although this album was the fourth Elton John studio album, it was also the third album released in 1971. John had released a film soundtrack album and a live album previously in the year. Madman Across the Water is a more progressive album than his previous outings, containing nine tracks with all but the final track exceeding four minutes. Elton John also had Yes keyboardist Rick Wakeman sit in on the sessions for two of the tracks, playing Hammond organ. Although it went to number 8 on the US Billboard 200 chart, it did not do as well in his native UK. The mediocre results in England may be partly explained by the song lengths not fitting nicely into the 3-minute span typical of singles. Nevertheless, the album contains two singles which would prove to be amongst John's greatest hits. Contemporary critics had mixed reactions to the prog rock bent of the album, with some finding the lyrics confusing and the album as a whole too deep for new fans. As with much of the discography of music icons like Elton John, reviews would trend more positive over time. Madman Across the Water finds Elton John on the cusp of his ascent to superstardom, when his next several albums would trend towards a glam rock approach and would start regularly topping the charts.Original host Brian Dickhute returns to "What the Riff" studios to help us finish off our podcast series focusing on the Months from 1965 to 1995. Tiny DancerThe lead off track takes its inspiration from two places. Generally, it is inspired by the spirit of the women Bernie Taupin met in California, and how their styles contrasted with those in the U.K at the time. More specifically it references Maxine Feibelman, who really was the "seamstress for the band," and supported John's elaborate stage costume style. Feibelman and Taupin were married in March 1971, with Elton John serving as best man.LevonThe first single from the album tells the story of Levon, a man who is successful in the family business, but trapped in his lifestyle. "Levon wears his war wound like a crown." This symphonic piece uses a backing orchestra written, arranged, and conducted by Paul Buckmaster. Madman Across the WaterThe title track to the album was originally supposed to be a track on John's previous studio album, but it was rearranged for this album. The lyrics are about a man in a coastal mental institution who doesn't know if he belongs there or not. Many have speculated that Taupin wrote this about then President Richard Nixon, speculation to which Taupin responds, "That is genius. I could never have thought of that."Indian SunsetThe story about an American Indian warrior on the verge of defeat was inspired by Frederic Remington painting and/or a visit that Bernie Taupin paid to a reservation. John has stated that the song is not a protest song, but a story. The opening acapella verse sets the wistful tone of the rest of the song. ENTERTAINMENT TRACK:Main theme from the children's television series “Electric Company""Hey you guys!" This children's educational show debuted in 1971. STAFF PICKS:Uncle Albert/Admiral Halsey by Paul and Linda McCartneyBruce begins the staff picks with a song from "Ram," the only album attributed to Paul and Linda McCartney. It reached number 1 on the Billboard Hot 100 in September 1971, making it the first post-Beatles McCartney single to top the US charts. It is actually a compilation of several song fragments assembled by engineer Eirik Wangberg. The lyric "hands across the water/heads across the sky" refers to Linda and Paul being American and British.Rain Dance by the Guess WhoRob brings us a song penned by Burton Cummings and Kurt Winter which was the lead-off track from the Guess Who's eighth studio album, "So Long, Bannatyne." Randy Bachman had departed the band by this time. Many of the lyrics reference landmarks or businesses in their native Winnipeg, Canada. You Say It by Al GreenWayne's staff pick is a fusion of funk and soul off Al Green's third studio album. Green got his start at the age of nine in a gospel quartet. The lyrics from this song discuss the difficulties a guy has in picking up the phone to call his girl. Al Green became a minister in 1976 and returned to gospel music in the mid-80's.I'd Love to Change the World by Ten Years AfterLynch features a song that is the sole top-40 single from the British blues rock group in the U.S., peaking at number 40 on the Billboard Hot 100. The lyrics express the frustration of the counter culture movement in wanting to change the world, but realizing that solutions are harder to reach than thought.Gypsys, Tramps and Thieves by CherBrian finishes out the episode with a story from Cher. The lyrics are told from the perspective of a Gypsy girl born to a dancer in a traveling show. When she is 16, she becomes pregnant from a young stranger who runs off, leaving her to raise a baby girl in the same situation as her mother raised her. Thanks for listening to “What the Riff?!?” NOTE: To adjust the loudness of the music or voices, you may adjust the balance on your device. VOICES are stronger in the LEFT channel, and MUSIC is stronger on the RIGHT channel.Please follow us on Facebook https://www.facebook.com/whattheriffpodcast/, and message or email us with what you'd like to hear, what you think of the show, and any rock-worthy memes we can share.Of course we'd love for you to rate the show in your podcast platform!**NOTE: What the Riff?!? does not own the rights to any of these songs and we neither sell, nor profit from them. We share them so you can learn about them and purchase them for your own collections.
Hey there, Welcome to Living Word! We're so glad you're here with us. If you find this message inspiring, don't forget to hit that like button and subscribe for more amazing content. We've got a lineup of guest speakers, pastors, and engaging discussions with our awesome community members coming your way. Let's dive in together! Our Links–• Join The Prayer Movement!: https://theprayermovement.com• Instagram: https://www.instagram.com/livingwordmn• Facebook: https://www.facebook.com/livingwordmn• Stay up to date with all things LWCC at https://www.LWCC.org• Join our Online Church community here: https://www.lwcc.org/onlinechurch• Give online: https://www.lwcc.org/give/• If you recently committed your life to God, we'd like to give you a free eBook to help you in your spiritual journey. Click here to download: https://www.lwcc.org/nextsteps/#LivingWord #ChurchSermon #Worship
Luke 12 - Pastor John Wilkerson - Sunday Evening, July 20, 2025 by First Baptist Church of Hammond
Abdel Judeh - 2025 Youth Conference - Thursday Evening, July 17, 2025 by First Baptist Church of Hammond
Send us a textIn this episode, we sit down with Marcus Hammond, of Dynosty — one of Louisville's premier performance tuning shops. From building high-horsepower street monsters to dialing in precision tunes on the dyno, Marcus shares the journey behind Dynosty, how the shop grew its national reputation, and what it takes to stay ahead in the ever-evolving world of performance tuning.We talk JDM roots, customer horror stories, dyno breakthroughs, and what separates a good tuner from a great one. Whether you're into boosted builds or just love car culture, this one's a must-listen.Find us on Facebook groups - RHDGUYS-JDMBOYSSocials - @RHDGUYS Merch - http://RHDGUYS.COMDynosty - https://dynosty.com/Want a discount on Nissan parts?Use code "RHDGUYS" athttps://nizmopartsplug.comTags: jdm
Pastor John Wilkerson - 2025 Youth Conference - Thursday Morning, July 17, 2025 by First Baptist Church of Hammond
Andy Gomez - 2025 Youth Conference - Thursday Afternoon, July 17, 2025 by First Baptist Church of Hammond
Ricky Torres - 2025 Youth Conference - Thursday Afternoon, July 17, 2025 by First Baptist Church of Hammond
Luke Bishop - 2025 Youth Conference - Thursday Morning, July 17, 2025 by First Baptist Church of Hammond
Tim Ruhl - 2025 Youth Conference - Tuesday Evening, July 15, 2025 by First Baptist Church of Hammond
Tim Ruhl - 2025 Youth Conference - Wednesday Afternoon, July 16, 2025 by First Baptist Church of Hammond
Jay Reed - 2025 Youth Conference - Wednesday Afternoon, July 16, 2025 by First Baptist Church of Hammond
Eddie Lapina - 2025 Youth Conference - Wednesday Morning, July 16, 2025 by First Baptist Church of Hammond
Luke Bishop - 2025 Youth Conference - Tuesday Evening, July 15, 2025 by First Baptist Church of Hammond
The season 15 finale – an interesting development regarding “Tom's Thoughtful Suggestions” segment in the last episode; House Republicans vote unanimously to not release the Epstein Files that Trump now says are a hoax; Trump turns on his base; why is there bruising on Trump's hand; Trump can't believe Fed Chair Jerome Powell was appointed even though he's the one who appointed him; Hammond, Indiana's Festival of the Lakes starts with a bang and continues through this weekend.
Hammo is returning to the Space Podyssey segment from previous seasons, this time he's going all the way back to 1982 to discuss the original Blade Runner film, how it relates to the Phillip K Dick novel, "Do Androids Dream of Electric Sheep?" and how it is difficult to let go of your first love, narration be damned! Hosted on Acast. See acast.com/privacy for more information.
What does it really take to dominate in the luxury real estate world for over 35 years? In this episode, Toronto's own Jerry Hammond of Hammond International Properties is here to uncover the mindset, strategies, and habits that built his empire. From his humble beginnings knocking on doors to managing multimillion-dollar listings, Jerry shares how farming, consistent branding, and staying humble and hungry have been key to his success. He also reveals why reinvention and mastering market analytics are essential for longevity in this business. Whether you're just starting out or looking to break into the luxury space, this is one episode you don't want to miss. Tune in to this episode now! Links: Follow Jerry Hammond on Instagram Jerry's Email: jhammond@hammondinternationalproperties.com Jerry's Phone Number: +18777027870 ext. 3000 Check out Hammond International Properties Subscribe to Hammond International Properties Follow Sara Denig on Instagram Follow Christina Leavenworth on Instagram Follow Aaron Amuchastegui on Instagram Get Hundreds of FREE Real Estate Tools From the Toolbox Join the 2026 Mastermind: Get your tickets HERE!
Support the Show: Patreon.com/PreacherBoys✖️✖️✖️Full article with links to sources: https://preacherboys.substack.com/p/youth-pastor-and-wife-abused-sixIn this video, I break down four major Baptist church scandals from July 8–15, 2025: a Harris Creek Baptist Church pastoral resident arrested for distributing Child Sexual Abuse Material (CSAM); LGBTQ+ protesters rallying outside Sure Foundation Baptist Church in Indianapolis after sermons calling for violence against LGBTQ+ people; the indictment of John and Kathy Radcliff for sexually abusing six children; and First Baptist Church of Hammond, IN, featuring controversial pastor Tim Ruhl – despite his alleged history of covering up abuse – as a youth conference speaker.Viewer discretion advised due to sensitive topics.✖️✖️✖️If you or someone you know has experienced abuse, visit courage365.org/need-help✖️✖️✖️CONNECT WITH THE SHOW:preacherboyspodcast.comhttps://www.youtube.com/@PreacherBoyshttps://www.facebook.com/preacherboysdoc/https://twitter.com/preacherboysdochttps://www.instagram.com/preacherboyspodhttps://www.tiktok.com/@preacherboyspodTo connect with a community that shares the Preacher Boys Podcast's mission to expose abuse in the IFB, join the OFFICIAL Preacher Boys Facebook Group: https://www.facebook.com/groups/1403898676438188/✖️✖️✖️The content presented in this video is for informational and educational purposes only. All individuals and entities discussed are presumed innocent until proven guilty through due legal process. The views and opinions expressed are those of the speakers.This episode is sponsored by/brought to you by BetterHelp. Give online therapy a try at betterhelp.com/PreacherBoys and get on your way to being your best self.Support this podcast at — https://redcircle.com/preacher-boys-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Hammond, Indiana's Festival of the Lakes is July 16-20; LOCPod Listener Appreciation Night was a full success; Tom steps in it, literally; Lindsey goes to a Kesha concert; Tom has a bone to pick with Cracker Barrel; why John Fogerty couldn't perform his own songs for over a decade; Bryce Fech, along with his parents Matt and Nicole, share their story about what happened between them and a well-known local church once Bryce came out as gay.
© 2020-2025 Ivy Podcast Discovery LLC
