Podcasts about Mac

In this week's FOLLOW UP, Bitcoin is down 15%, miners are unplugging rigs because paying eighty-seven grand to mine a sixty-grand coin finally failed the vibes check, and Grok is still digitally undressing men—suggesting Musk's “safeguards” remain mostly theoretical, which didn't help when X offices got raided in France. Spain wants to ban social media for kids under 16, Egypt is blocking Roblox outright, and governments everywhere are flailing at the algorithmic abyss.IN THE NEWS, Elon Musk is rolling xAI into SpaceX to birth a $1.25 trillion megacorp that wants to power AI from orbit with a million satellites, because space junk apparently wasn't annoying enough. Amazon admits a “high volume” of CSAM showed up in its AI training data and blames third parties, Waymo bags a massive $16 billion to insist robotaxis are working, Pinterest reportedly fires staff who built a layoff-tracking tool, and Sam Altman gets extremely cranky about Claude's Super Bowl ads hitting a little too close to home.For MEDIA CANDY, we've got Shrinking, the Grammys, Star Trek: Starfleet Academy's questionable holographic future, Neil Young gifting his catalog to Greenland while snubbing Amazon, plus Is It Cake? Valentines and The Rip.In APPS & DOODADS, we test Sennheiser earbuds, mess with Topaz Video, skip a deeply cursed Python script that checks LinkedIn for Epstein connections, and note that autonomous cars and drones will happily obey prompt injection via road signs—defeated by a Sharpie.IN THE LIBRARY, there's The Regicide Report, a brutal study finding early dementia signals in Terry Pratchett's novels, Neil Gaiman denying allegations while announcing a new book, and THE DARK SIDE WITH DAVE, vibing with The Muppet Show as Disney names a new CEO. We round it out with RentAHuman.ai dread relief via paper airplane databases, free Roller Coaster Tycoon, and Sir Ian McKellen on Colbert—still classy in the digital wasteland.Sponsors:DeleteMe - Get 20% off your DeleteMe plan when you go to JoinDeleteMe.com/GOG and use promo code GOG at checkout.SquareSpace - go to squarespace.com/GRUMPY for a free trial. And when you're ready to launch, use code GRUMPY to save 10% off your first purchase of a website or domain.Private Internet Access - Go to GOG.Show/vpn and sign up today. For a limited time only, you can get OUR favorite VPN for as little as $2.03 a month.SetApp - With a single monthly subscription you get 240+ apps for your Mac. Go to SetApp and get started today!!!1Password - Get a great deal on the only password manager recommended by Grumpy Old Geeks! gog.show/1passwordShow notes at https://gog.show/732FOLLOW UPBitcoin drops 15%, briefly breaking below $61,000 as sell-off intensifies, doubts about crypto growBitcoin Is Crashing So Hard That Miners Are Unplugging Their EquipmentGrok, which maybe stopped undressing women without their consent, still undresses menX offices raided in France as UK opens fresh investigation into GrokSpain set to ban social media for children under 16Egypt to block Roblox for all usersIN THE NEWSElon Musk Is Rolling xAI Into SpaceX—Creating the World's Most Valuable Private CompanySpaceX wants to launch a constellation of a million satellites to power AI needsA potential Starlink competitor just got FCC clearance to launch 4,000 satellitesAmazon discovered a 'high volume' of CSAM in its AI training data but isn't saying where it came fromWaymo raises massive $16 billion round at $126 billion valuation, plans expansion to 20+ citiesPinterest Reportedly Fires Employees Who Built a Tool to Track LayoffsSam Altman got exceptionally testy over Claude Super Bowl adsMEDIA CANDYShrinkingStar Trek: Starfleet AcademyThe RipNeil Young gifts Greenland free access to his music and withdraws it from Amazon over TrumpIs it Cake? ValentinesAPPS & DOODADSSennheiser Consumer Audio IE 200 In-Ear Audiophile Headphones - TrueResponse Transducers for Neutral Sound, Impactful Bass, Detachable Braided Cable with Flexible Ear Hooks - BlackSennheiser Consumer Audio CX 80S In-ear Headphones with In-line One-Button Smart Remote – BlackTopaz VideoEpsteinAutonomous cars, drones cheerfully obey prompt injection by road signAT THE LIBRARYThe Regicide Report (Laundry Files Book 14) by Charles StrossScientists Found an Early Signal of Dementia Hidden in Terry Pratchett's NovelsNeil Gaiman Denies the Allegations Against Him (Again) While Announcing a New BookTHE DARK SIDE WITH DAVEDave BittnerThe CyberWireHacking HumansCaveatControl LoopOnly Malware in the BuildingThe Muppet ShowDisney announces Josh D'Amaro will be its new CEO after Iger departsA Database of Paper Airplane Designs: Hours of Fun for Kids & Adults AlikeOnline (free!) version of Roller Coaster tycoon.Speaking of coasters, here's the current world champion.I am hoping this is satire...Sir Ian McKellen on Colbert.CLOSING SHOUT-OUTSCatherine O'Hara: The Grande Dame of Off-Center ComedyStanding with Sam 'Balloon Man' MartinezSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Krystal, Ryan and Mac discuss AIPAC takes L in NJ, new Epstein cell video released, jobs numbers plummet & MORE.Mac's YouTube: https://www.youtube.com/GoodPoliticGuyTo become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.

How the Apple Vision Pro has and has not moved forward in two years, plus what's going on with Gemini and Siri, and what comes after the iPhone Fold, on the AppleInsider Podcast.Contact your hosts:@williamgallagher_ on Threads@WGallagher on TwitterWilliam's 58keys on YouTubeWilliam Gallagher on emailWes on BlueskyWes Hilliard on emailWes's blog HillitechSponsored by:MasterClass: Get 15% off annual memberships at MasterClass.comNordStellar: Unlock your 10% discount at nordstellar.com/appleinsider with the coupon code nordappleinsider-10-NORDSTELLARLinks from the Show:The best gear and gadgets from CES Unveiled 2026iPhone in space: NASA gives approval for personal iPhones to Artemis astronautsHow to watch Super Bowl LX on iPhone, Mac, and iPadBad Bunny wins Grammy album of the year ahead of Super Bowl halftime showTim Cook: Apple won't change privacy rules with Google Gemini partnershipGoogle & Apple CEOs offer seemingly contradictory statements regarding AI partnershipTwo years after release, Apple still hasn't decided what to do with Apple Vision ProClamshell iPhone could be Apple's second foldableHow terrible - the insanely wealthy are confounded by Call ScreeningApple TV Press Day event reveals star-studded lineup of new original content coming soonFormula 1 CEO hints toward a possible 'F1' movie sequel on Apple TVBoc ost your vibe coding with AI agents in Apple's new Xcode 26.3New & native AI agent coding in Xcode 26.3 is pretty goodSupport the show:Support the show on Patreon or Apple Podcasts to get ad-free episodes every week, access to our private Discord channel, and early release of the show! We would also appreciate a 5-star rating and review in Apple PodcastsMore AppleInsider podcastsTune in to our HomeKit Insider podcast covering the latest news, products, apps and everything HomeKit related. Subscribe in Apple Podcasts, Overcast, or just search for HomeKit Insider wherever you get your podcasts.Subscribe and listen to our AppleInsider Daily podcast for the latest Apple news Monday through Friday. You can find it on Apple Podcasts, Overcast, or anywhere you listen to podcasts.Those interested in sponsoring the show can reach out to us at: advertising@appleinsider.com (00:00) - Intro (03:51) - Super Bowl (10:14) - Apple TV slate for 2026 (26:48) - Apple Vision Pro anniversary (32:55) - Folding iPhone Flip (41:22) - Call Screening screens calls (46:18) - Google and Apple (58:44) - Xcode AI ★ Support this podcast on Patreon ★

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Stuff: Stuff helps you get everything out of your head and into a simple, elegant system—closing open loops and reducing mental stress. Use code 9TO5 at checkout for 50% off your first year. New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: New iPhone launching this month with four key changes: report Apple reportedly scales back plans for AI-powered health coach Tim Cook talks succession, executive departures during all-hands meeting Tim Cook pledges to lobby Washington on immigration: report Tim Cook teases new product categories and services enabled by AI Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

Mac and J get you ready for the showdown in the Bay!   Check out our new bi-weekly series, "The Crisis Papers" here: https://www.patreon.com/bitterlakepresents/shop   Thank you guys again for taking the time to check this out. We appreciate each and everyone of you. If you have the means, and you feel so inclined,   BECOME A PATRON! We're creating patron only programing, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now https://www.patreon.com/join/BitterLakePresents?   Please also like, subscribe, and follow us on these platforms as well, (specially YouTube!)   THANKS Y'ALL   YouTube: https://www.youtube.com/channel/UCG9WtLyoP9QU8sxuIfxk3egFacebook: https://www.facebook.com/Thisisrevolutionpodcast/Twitter: @TIRShowOaklandInstagram: @thisisrevolutionoakland   Substack: https://jmylesoftir.substack.com/.../the-money-will-roll...   Read Jason Myles in Current Affairs Magazine here: https://www.currentaffairs.org/.../donald-trump-is-a-pro... Read Jason Myles in Damage Magazine https://damagemag.com/2023/11/07/the-man-who-sold-the-world/ 

Today we're going to talk about some more hardcore business stuff, which is vehicle leasing, the pros and cons. Screw The Commute Podcast Show Notes Episode 1078 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Vehicle Leasing 01:39 Pros of leasing a vehicle 04:00 Cons of leasing a vehicle 08:00 Try to keep it as clean as possible before you turn it in 09:24 Keep the pros AND the cons in mind Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Mickey Mouse Boots - https://screwthecommute.com/1077/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/

Friday's 7am hour of Mac & Cube kicked off MAXX BALL Friday - Super Bowl edition!! First up, the guys get excited to make watching the Super Bowl a family affair; then, Greg explains why he's ecstatic over speaking to the Bama football team today; later, Cole & Greg debate if Tom Brady is right to not have a rooting interest in a former team & how tough it is; and finally, listeners weigh in on how they feel about broadcasters rooting for teams. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

The 8am hour of Friday's Mac & Cube continued with MAXX BALL Friday - Super Bowl edition!! We began being asked the value of analysts to a broadcast and how the great ones separate themselves; then, the guys look at the Bama Standard and how it's shifted over the years; later, we want to know your Super Bowl viewing plans - how you're going to enjoy the game; and finally, Cole lays out his Super Bowl menu. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

Friday's 9am hour of Mac & Cube rolled on with more MAXX BALL Friday - Super Bowl edition!! Right out the gate, Chris Stewart, the voice of the Crimson Tide, tells us what advantages Alabama will have over Auburn this weekend, where the Tigers could challenge the Tide, and why Charles Bediako hasn't taken minutes from others; then, we look at the legacy of the Super Bowl Halftime show and which ones have truly been memorable; later, speaking of Super Bowl legacies, Cole wants to know which ones you always remember; and finally, a staple of the Bad Box Score(s) of the Day makes another appearance. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

Nick, Jonathan and Mac lock in their picks for the Super Bowl edition of The Playoff Eliminator.

Punch Mountain is making a list and checking it for revenge with KILL BILL: VOLUME 1. Mac and David discuss hot needle drops, easy Halloween costumes, and fetishes shoved on the public before revealing KILL BILL: VOL. 1's place on the definitive ranking of action movies.

On this week's episode of The MacRumors Show, we discuss all of the new Macs Apple is expected to release this year, starting with the M5 Pro and M5 Max MacBook Pro. Following the release of the M5 ‌MacBook Pro‌ last year, Apple is expected to launch refreshed high-end ‌MacBook Pro‌ models with the M5 Pro and M5 Max chips. They are rumored to arrive alongside macOS Tahoe 26.5 in the next few weeks. Stock of the current M4 Pro and M4 Max models is dwindling, suggesting that the announcement is now impending.After that release, we are expecting M5-series chips to come to the MacBook Air, Mac mini, and Mac Studio at the very least. Whether the iMac and the Mac Pro will get an M5 chip remains an open question.Apple is also rumored to launch an all-new low-cost MacBook this year, featuring the A18 Pro chip for comparable performance to the M1 chip. It is expected to feature a 13-inch LCD display, USB-C connectivity only, and a price point somewhere between $699 and $899. iPad-like Silver, Blue, Pink, and Yellow color options are also rumored.Toward the end of the year, Apple is expected to launch significantly upgraded ‌MacBook Pro‌ models. The new machines are rumored to feature M6-series chips, a cellular connectivity option, OLED touchscreen displays, a hole-punch in the screen for the front-facing camera, and a thinner, lighter design.Save more than fifty percent on term life insurance at https://www.selectquote.com/macrumors and get started today!

Rumors continue about Apple coming out with some sort of a foldable iPhone that will be released this year and the follow up designs that will follow. The company released its quarterly results with revenue boosted by incredible iPhone sales. The way you buy a Mac online has changed. Apple has a new visually pleasing way of presenting the options and the Mac you are buying, while making your choices very clear. Brought to you by: Squarespace: Check out squarespace.com/DALRYMPLE for a free trial, and when you're ready to launch, use OFFER CODE: DALRYMPLE to save 10% off your first purchase of a website or domain. Show Notes: RIP Catherine O'Hara Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model Apple has changed the way you buy a Mac online The Fallen Apple Why the Q.ai acquisition could be huge for AI and Siri Apple reports first quarter results Shows and movies we're watching Mayor of Kingstown, Paramount+ Tom Scott's "Podcast Express" Second, there's "For The Record, the 70's", Episode 58, WKRP in Cincinnati

Benjamin and Chance speculate on Apple's mysterious acquisition of Q.ai, the company's second biggest acquisition ever. The iPhone 17 is a veritable smash hit, leading to an all-time quarterly earnings record. And Apple redesigns the order flow for buying a new Mac, with new MacBooks just around the corner.  And in Happy Hour Plus, Benjamin realizes he has some overdue spring-cleaning to do on his Desktop folder.  Sponsored by Gusto: The online payroll and benefits software built for small businesses. Get three months free when you run your first payroll at gusto.com/happyhour. Sponsored by Square: Get up to $200 off Square hardware when you sign up at square.com/go/happyhour. Sponsored by HelloFresh: America's #1 meal kit! Get 10 free meals + a FREE Zwilling Knife (a $144.99 value) on your third box at HelloFresh.com/happyhour10fm. Hosts Chance Miller @ChanceHMiller on Twitter @ChanceHMiller on Instagram @ChanceHMiller on Threads Benjamin Mayo @bzamayo on Twitter @bzamayo@mastodon.social @bzamayo on Threads Subscribe, Rate, and Review Apple Podcasts Overcast Spotify 9to5Mac Happy Hour Plus Subscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:  Ad-free versions of every episode  Pre- and post-show content Bonus episodes Join for $5 per month or $50 a year at 9to5mac.com/join.  Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or Threads Email us feedback and questions to happyhour@9to5mac.com Links Apple acquires secretive Q․ai startup for $2 billion Apple reports record-breaking Q1 2026 earnings Apple revamps how you buy a Mac online New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut Latest macOS 26.3 beta adds to signs that new Macs are imminent Will the Studio Display 2 have this key upgrade? Studio Display refresh looms with three key upgrades Apple announces agentic coding in Xcode with Claude Agent and Codex integration CarPlay Ultra coming to at least one new car later this year, per report Tesla still working on CarPlay support, here's what we know

Can the iPad finally become your main productivity machine? Rosemary Orchard and Stephen Robles get honest about the quirks, hacks, and must-know shortcuts that make iPad multitasking actually work for power users. iPad multitasking upgrades: Stage Manager, windowing, and device setups Productivity workflows: Magic Keyboard, trackpad, and app layout tips Stage Manager quirks vs. Mac window management workarounds Split View and Slide Over return to iPad multitasking with iPadOS 26 Shortcuts automations for Stage Manager, external displays, and Ferrite Pushcut battery notifications: Automatically track device charge across iPad and Mac Travel routers for creators, hotel wi-fi hacks, and networking tricks Feedback: Creator Studio value, pricing, and one-time purchase alternatives Shortcuts Corner: Programmatically opening reminders lists in new windows Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: NetSuite.com/ios

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Stuff: Stuff helps you get everything out of your head and into a simple, elegant system—closing open loops and reducing mental stress. Use code 9TO5 at checkout for 50% off your first year. New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: Apple's search deal with Google could face renewed scrutiny as DOJ appeals antitrust ruling iTunes might be more popular than you think, per report New iPhone Fold specs revealed, including design, cameras, more Leaker says iPhone Fold will have the largest battery yet, by a lot Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

Can the iPad finally become your main productivity machine? Rosemary Orchard and Stephen Robles get honest about the quirks, hacks, and must-know shortcuts that make iPad multitasking actually work for power users. iPad multitasking upgrades: Stage Manager, windowing, and device setups Productivity workflows: Magic Keyboard, trackpad, and app layout tips Stage Manager quirks vs. Mac window management workarounds Split View and Slide Over return to iPad multitasking with iPadOS 26 Shortcuts automations for Stage Manager, external displays, and Ferrite Pushcut battery notifications: Automatically track device charge across iPad and Mac Travel routers for creators, hotel wi-fi hacks, and networking tricks Feedback: Creator Studio value, pricing, and one-time purchase alternatives Shortcuts Corner: Programmatically opening reminders lists in new windows Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: NetSuite.com/ios

The 8am hour of Thursday's Mac & Cube continued with a look at NCAA eligibility and how we can't seem to figure out why some get waivers & others don't; then, listeners chime in with their thoughts on the NCAA's inconsistent nature with eligibility; and later, Greg feels like a bad dad because he won't take his son to the Super Bowl. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Thursday's 9am hour of Mac & Cube saw Wimp Sanderson, former men's basketball coach at Alabama, tell us why eligibility needs to get sorted out quickly, how effective Bucky Ball can be on offense, and what he learned about the team after the Texas A&M win; then, listeners weigh in on how the College Football calendar should look; and later, Greg is conflicted about the new, potential indoor golf course(s) being built. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

Thursday's 7am hour of Mac & Cube began with Greg recapping the Alabama win over Texas A&M he attended & Greg complaining he's old because he got home late; then, the guys say how the NFL should be wary of being dismissive of College Football; later, Greg explains why CFB needs to just take the NFL head on; and finally, can you discern the difference between Nickelback and Creed? "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Can the iPad finally become your main productivity machine? Rosemary Orchard and Stephen Robles get honest about the quirks, hacks, and must-know shortcuts that make iPad multitasking actually work for power users. iPad multitasking upgrades: Stage Manager, windowing, and device setups Productivity workflows: Magic Keyboard, trackpad, and app layout tips Stage Manager quirks vs. Mac window management workarounds Split View and Slide Over return to iPad multitasking with iPadOS 26 Shortcuts automations for Stage Manager, external displays, and Ferrite Pushcut battery notifications: Automatically track device charge across iPad and Mac Travel routers for creators, hotel wi-fi hacks, and networking tricks Feedback: Creator Studio value, pricing, and one-time purchase alternatives Shortcuts Corner: Programmatically opening reminders lists in new windows Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: NetSuite.com/ios

Episode OverviewMac Brown joins host Marvin Cash for this Casting Angles episode of The Articulate Fly, a fly fishing podcast focused on practical instruction and technique refinement. With winter weather keeping many anglers off the water across the mid-Atlantic and southern Appalachians, Mac and Marvin discuss how to use this downtime productively by organizing gear and preparing equipment for the upcoming season. The conversation covers essential off-season maintenance tasks including line cleaning, wader re-treating, fly box reorganization and boot cleat maintenance. Mac shares his custom tippet management system that prevents fumbling for tippet in freezing conditions and emphasizes the importance of getting fly weight systems dialed in before prime fishing returns. The discussion also touches on the transition from winter's deep freeze to early spring fishing opportunities, with Quill Gordon hatches beginning as early as mid-February on National Park streams and post-spawn streamer fishing on tailwaters like the South Holston and Watauga. This episode provides a comprehensive checklist for serious anglers to ensure their gear is ready when weather breaks and fishing conditions improve.Key TakeawaysHow to organize fly boxes by weight and technique during the off-season to streamline on-water efficiency when the season begins.Why washing and re-treating waders now prevents cutting into prime fishing time during peak spring hatches.How to create a reliable tippet management system using elastic and clear tubing so you never struggle to find the tippet end in cold conditions.When to expect the earliest hatches in the southern Appalachians, with Quill Gordons appearing in mid-February on National Park streams.Why the first warm day after extended cold spells consistently produces excellent fishing as water temperatures rise from the mid-30s.Techniques & Gear CoveredMac emphasizes moving away from traditional split shot systems because mashing lead onto tippet significantly weakens the tippet when wet, instead favoring organized weight systems built into flies. The discussion covers comprehensive line cleaning protocols for multiple setups, particularly for lake fishing applications where having several lines ready prevents last-minute scrambling. Mac details his custom tippet management method using elastic and clear tubing (similar to New Zealand strike indicator material) that keeps 2 inches of tippet exposed and prevents the frustrating search for the tippet end when fingers are numb. Boot maintenance receives attention with the recommendation to install fresh 5/8-inch sheet metal screws using an eighth-inch driver to maintain traction. The episode also addresses seasonal gear rotation, including moving chemical hand warmers, nitrile gloves and other cold weather gear in and out of fishing kits as conditions change.Locations & SpeciesThe episode references winter conditions across Charlotte, Swain County and western North Carolina, where snow and single-digit temperatures have kept guides off the water for nearly two weeks. Marvin mentions an upcoming post-spawn brown trout streamer trip on the South Holston and Watauga Rivers near Johnson City, taking advantage of warming trends with temperatures reaching 60 degrees. Mac discusses early-season opportunities on National Park streams in the Smokies, where Quill Gordon hatches begin in the second or third week of February—some of the earliest dry fly action in the country. The conversation also touches on Mac's

Can the iPad finally become your main productivity machine? Rosemary Orchard and Stephen Robles get honest about the quirks, hacks, and must-know shortcuts that make iPad multitasking actually work for power users. iPad multitasking upgrades: Stage Manager, windowing, and device setups Productivity workflows: Magic Keyboard, trackpad, and app layout tips Stage Manager quirks vs. Mac window management workarounds Split View and Slide Over return to iPad multitasking with iPadOS 26 Shortcuts automations for Stage Manager, external displays, and Ferrite Pushcut battery notifications: Automatically track device charge across iPad and Mac Travel routers for creators, hotel wi-fi hacks, and networking tricks Feedback: Creator Studio value, pricing, and one-time purchase alternatives Shortcuts Corner: Programmatically opening reminders lists in new windows Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: NetSuite.com/ios

“I'm Mandy – buy me.” Peter Mandelson's career finally collapses in a scandal more poisonous than Profumo, more serious than Partygate, and more shameful than Suez. How did Mandelson get away with his shifty behaviour for so long? Will Starmer's errors of judgment taint his government irrevocably? And how come it's on British figures like Mandelson and Andrew Mountbatten-Windsor who are suffering the consequences of their associations with Epstein?  ESCAPE ROUTES • Raf recommends the app DJay Pro for Mac, Windows, iOS and Android. • Ros went to see the National Theatre production of Terence Rattigan's Man And Boy.  • Jonn is watching A Knight Of The Seven Kingdoms, the Game of Thrones spin-off, on Sky Atlantic.  • Andrew recommends the Marvel series Wonder Man on Disney+.  www.patreon.com/ohgodwhatnow Presented by Andrew Harrison with Jonn Elledge, Ros Taylor and Rafael Behr. Audio Production by Robin Leeburn and Tom Taylor. Art direction: James Parrett. Theme tune by Cornershop. Managing Editor: Jacob Jarvis. Group Editor: Andrew Harrison. OH GOD, WHAT NOW? is a Podmasters production. www.podmasters.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

Apple shatters revenue records, Tim Cook teases new innovations coming this year, Walmart hits $1T market cap, everyone's still pouring money into AI, and OpenClaw's “skills” have serious security concerns.Stephen's Newsletter SignupAd-Free + Bonus EpisodesShow Notes via EmailWatch on YouTube!Join the CommunityEmail Us: podcast@primarytech.fm@stephenrobles on Threads@jasonaten on Threads————————SponsorsShopify: Sign up for your one-dollar-per-month trial and start selling today at: shopify.com/primaryQuo: Try QUO for free PLUS get 20% off your first 6 months when you go to Quo.com/primary————————Links from the showMac Power Users - RelayApple announces all-time record in revenue, iPhone sales – Six ColorsWhile Everyone Else Tries to Replace the iPhone, Apple Just Had Its Best Quarter EverNew Mac configurator may point to separate CPU and GPU options - 9to5MacTim Cook hints at ‘never been seen' innovations coming this year - 9to5MacMeta (META) Q4 2025 earnings185 Billion Reasons Google Isn't Worried AI Will Kill SearchGoogle's subscriptions rise in Q4 as YouTube pulls $60B in yearly revenue | TechCrunchIt Took 64 Years to Build Walmart. It Took 3 Years to Turn It Into a $1 Trillion Tech CompanyXcode moves into agentic coding with deeper OpenAI and Anthropic integrations | TechCrunchOpenClaw's AI ‘skill' extensions are a security nightmare | The VergeHumans are infiltrating the social network for AI bots | The VergeAnthropic's 'Dishonest' Ads Clearly Struck a Nerve With Sam AltmanExpect more upsells and subscription bundles from Apple, Creator Studio was just the start - 9to5MacNow anyone can tap Ring doorbells to search for lost dogs | The VergeAirTag 2 Has Wild Range! #tech #airtag - YouTubeGoogle announces Pixel 10a with completely flat cameraAlexa Plus is now available to everyone in the US | The VergeApple Sports for iPhone updated with PGA, LPGA, and more - 9to5MacThe SpaceX-xAI Merger Isn't About Data Centers in Space. It's About Bailing Out Musk's Biggest GambleShortcuts Team Lead HiringGemini Mac App Tweet ★ Support this podcast ★

Apple had a very strong Q1 2026, thanks to iPhone 17 sales. Apple acquires an AI company, its second-largest acquisition behind Beats by Dre. An Apple-1 computer prototype board #0 sold for $ 2.75 million. And new leaks of Apple's potential iPhone Fold hit the web! Apple's record quarter: Is this what a hit iPhone looks like?. Apple reveals it has 2.5 billion active devices around the world. Apple's historic quarter doesn't change the need for AI reckoning. Apple revamps how you buy a Mac online, removes preconfigured options. Apple's second biggest acquisition ever is an AI company that listens to 'silent speech'. Apple Design Team gains Halide co-founder, but the pro camera app isn't going anywhere. Apple to soon take up to 30% cut from all Patreon creators in iOS app. Apple was fined a total of $851M last year for privacy and antitrust violations. Continuity Camera lands Apple in legal trouble for 'Sherlocking' Camo. Apple-1 computer prototype board #0 sold for $2.75M. Very first Apple check & early Apple-1 motherboard sold for $5 million combined. New iPhone Fold specs revealed, including design, cameras, more. Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model. New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut. Agentic coding comes to Xcode. Auto-resizing columns in Finder. iOS 26's Passwords app has a new feature that can save you a headache. Apple Maps gets a 'Drops of God' wine guide curated by actor Tomohisa Yamashita. Apple C-series modem enables new privacy-focused limit precise location feature. Today's Apple TV press day. New 'Humans of Apple TV' video debuts, watch it here. Apple TV launches F1 programming in app ahead of season kickoff. Two years after release, Apple still hasn't decided what to do with Apple Vision Pro. More Accessibility for Winter Olympics. Picks of the Week Shelly's Pick: Transit App Leo's Picks: AppleUnsold and Bugs Apple Loves Andy's Pick: ReelGood Mikah's Pick: Picky Pad Hosts: Leo Laporte and Andy Ihnatko Guests: Shelly Brisbin and Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit

An active investigation into the death of 14-year-old Celeste Hernandez has left the public with a timeline, a Tesla, and an extensive list of unanswered question. In this episode of Zone 7, Sheryl McCollum is joined by journalist Lauren Conlin to review what has been said publicly about Celeste’s initial classification as a runaway, her connections to older individuals, and why the continued absence of a named person of interest raises concern. They turn to the arrest of actor/director Timothy Busfield and discuss what can and cannot be concluded from selective “evidence” releases, how credibility gets weaponized in public, and why child abuse allegations demand careful, methodical evaluation rather than internet verdicts. Highlights: • (0:00) Sheryl McCollum opens the episode on the death of Celeste Hernandez and why the case is “driving her crazy” • (1:30) Lauren Conlin’s case status framing: no official person of interest, grand jury activity, and what “imminent indictment” does and does not mean • (3:00) Celeste’s runaway classification, age, and how early labels can shape urgency, resources, and risk • (7:15) Behavior after the discovery: canceled tour, transferred home ownership, legal strategy, and public silence • (10:00) Publicity economics: spikes in streams/downloads and the reality of scandal- driven attention • (15:15) Homicide indicator vs. Evidentiary barriers when decomposition complicates cause-of-death determinations • (17:45) Tesla cameras, event data, and why Sheryl expects a digital trail around movement and access • (21:45) Why runaway youth are at elevated risk and how dependency becomes leverage for exploitation • (27:00) Timothy Busfield: prior allegations and the optics of how he presented himself • (29:15) The alleged history patterns, witness context, and credibility disputes around the parents • (33:00) “Tickling to me does not absolve you from being a pervert.” • (36:00) Predatory access: why being near adults does not guarantee safety and how abuse can occur quickly and covertly • (39:15) Sheryl and Lauren address recantation, selective interview clips, and why child abuse cases require restraint, context, and patience before judgment Guest Bio: Lauren Conlin is a New York-based journalist covering true crime and high-profile investigations. She contributes reporting to Los Angeles Magazine, hosts investigative podcasts, and appears as a legal and crime commentator on platforms including Court TV, Fox News, and Crime Stories with Nancy Grace. Enjoying Zone 7? Leave a rating and review where you listen to podcasts. Your feedback helps others find the show and supports the mission to educate, engage, and inspire. Sheryl “Mac” McCollum is an active crime scene investigator for a Metro Atlanta Police Department and the director of the Cold Case Investigative Research Institute, which partners with colleges and universities nationwide. With more than 4 decades of experience, she has worked on thousands of cold cases using her investigative system, The Last 24/361, which integrates evidence, media, and advanced forensic testing. Her work on high-profile cases, including The Boston Strangler, Natalie Holloway, Tupac Shakur and the Moore’s Ford Bridge lynching, led to her Emmy Award for CSI: Atlanta and induction into the National Law Enforcement Hall of Fame in 2023. Social Links:• Email: coldcase2004@gmail.com • Twitter: @ColdCaseTips • Facebook: @sheryl.mccollum • Instagram: @officialzone7podcast Preorder Sheryl’s upcoming book, Swans Don’t Swim in a Sewer: Lessons in Life,Justice, and Joy from a Forensic Scientist, releasing May 2026 from Simon and Schuster. https://www.simonandschuster.com/books/Swans-Dont-Swim-in-a-Sewer/Sheryl-Mac-McCollum/9798895652824 See omnystudio.com/listener for privacy information.

(00:00-30:53) Jackson's throwback hoodie. Shorter and wider. Chairman's late 90's fashion choices. Being denied entry to Abercrombie & Fitch. Send in your neck sizes. He looks like fake fruit. SLU with a nice little come form behind win. Doug's being presumptuous. Swinger and furry conventions. Frustration with the time management of the college basketball viewing experience. Doug's convenience store pizza problem. SLU haters.(31:01-50:46) Al in Dadeville found out live on air he'll be coming in-studio. Become a legend, just like Steve. Ken Rosenthal says Chaim Bloom is going in the right direction with the Cardinals. Doug's on the naughty list but he still isn't excited about the Cardinals. Mick Cronin wasn't happy after his team won by 30. Caller Ellen has some question about the scouting staff. Martin's holding rights over here. Tribbins is an angry little hornet this morning.(50:56-1:14:06) Tip of the cap to Rogers and Hammertoe for this new banger. The Barrett Sports Media rankings for mid market shows has been released. Mac & Bone got us but we're number 4. Doug's questioning the process. How many Emmys does Doug have? The Eastbay catalog. Formica people in Cottleville. Stretch marks.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Stuff: Stuff helps you get everything out of your head and into a simple, elegant system—closing open loops and reducing mental stress. Use code 9TO5 at checkout for 50% off your first year. New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: Apple loses more AI researchers, Siri exec to Google and Meta Apple Music Replay 2026 now live, here's how to find it Apple announces agentic coding in Xcode with Claude Agent and Codex integration Expect more upsells and subscription bundles from Apple, Creator Studio was just the start Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

Today I'm going to talk about what? Do you hear this? You'll never guess what this is about. Mickey Mouse boots. Screw The Commute Podcast Show Notes Episode 1077 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Mickey Mouse Boots 02:28 Keeping your feet warm 05:45 Search with the word "comparison" instead of "best" 10:05 Consumer Reports is still a good resource 14:30 Save money and get higher quality products Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Household Skills - https://screwthecommute.com/1076/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/

Wednesday's 9am hour of Mac & Cube got underway with Jordan Kaye, from The State in Columbia, South Carolina, tells McElroy & Cubelic what aspects of the team are the biggest question marks, where expectations are for the fans for next year, and what interests him the most about the incoming transfer players; then, the guys ask if Shane Beamer should (NOT) be on the hot seat; later, Cole, reluctantly, gets forced to preview the Alabama vs. Texas A&M basketball game; and finally, we have fun with the latest Bad Box Score of the Day. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

The 8am hour of Wednesday's Mac & Cube kept on with Andy Kennedy, UAB men's basketball coach, telling us how big the rivalry is between UAB and Memphis, what the team needs to do to defeat the Tigers, and what constant evolution he's always having to keep an eye on; then, Greg & Cole get enamored by the winner of the Westminster Kennel Club dog show; later, the guys throw out random players and have fun figuring out who's better; and finally, Cole tries get Greg mad by showing him the inflated costs of travel ball. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Wednesday's 7am hour of Mac & Cube started off with a look at how many teams are ahead of Alabama heading into 2026; then, the guys got into what parts next year's Alabama's team they have the most/least confidence in; later, Jesse Simonton, from Surrender Cobra, tells us who SHOULD be ranked #1 ahead of the 2026 season, and the pressure LSU & Lane Kiffin are under; and finally, Cole & Greg go through the rest of the preseason rankings for the SEC. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Apple had a very strong Q1 2026, thanks to iPhone 17 sales. Apple acquires an AI company, its second-largest acquisition behind Beats by Dre. An Apple-1 computer prototype board #0 sold for $ 2.75 million. And new tech spec leaks of Apple's potential iPhone Fold hit the web! Apple's record quarter: Is this what a hit iPhone looks like?. Apple reveals it has 2.5 billion active devices around the world. Apple's historic quarter doesn't change the need for AI reckoning. Apple revamps how you buy a Mac online, removes preconfigured options. Apple's second biggest acquisition ever is an AI company that listens to 'silent speech'. Apple Design Team gains Halide co-founder, but the pro camera app isn't going anywhere. Apple to soon take up to 30% cut from all Patreon creators in iOS app. Apple was fined a total of $851M last year for privacy and antitrust violations. Continuity Camera lands Apple in legal trouble for 'Sherlocking' Camo. Apple-1 computer prototype board #0 sold for $2.75M. Very first Apple check & early Apple-1 motherboard sold for $5 million combined. New iPhone Fold specs revealed, including design, cameras, more. Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model. New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut. Agentic coding comes to Xcode. Auto-resizing columns in Finder. iOS 26's Passwords app has a new feature that can save you a headache. Apple Maps gets a 'Drops of God' wine guide curated by actor Tomohisa Yamashita. Apple C-series modem enables new privacy-focused limit precise location feature. Today's Apple TV press day. New 'Humans of Apple TV' video debuts, watch it here. Apple TV launches F1 programming in app ahead of season kickoff. Two years after release, Apple still hasn't decided what to do with Apple Vision Pro. More Accessibility for Winter Olympics. Picks of the Week Shelly's Pick: Transit App Leo's Picks: AppleUnsold and Bugs Apple Loves Andy's Pick: ReelGood Mikah's Pick: Picky Pad Hosts: Leo Laporte and Andy Ihnatko Guests: Shelly Brisbin and Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit

Apple had a very strong Q1 2026, thanks to iPhone 17 sales. Apple acquires an AI company, its second-largest acquisition behind Beats by Dre. An Apple-1 computer prototype board #0 sold for $ 2.75 million. And new leaks of Apple's potential iPhone Fold hit the web! Apple's record quarter: Is this what a hit iPhone looks like?. Apple reveals it has 2.5 billion active devices around the world. Apple's historic quarter doesn't change the need for AI reckoning. Apple revamps how you buy a Mac online, removes preconfigured options. Apple's second biggest acquisition ever is an AI company that listens to 'silent speech'. Apple Design Team gains Halide co-founder, but the pro camera app isn't going anywhere. Apple to soon take up to 30% cut from all Patreon creators in iOS app. Apple was fined a total of $851M last year for privacy and antitrust violations. Continuity Camera lands Apple in legal trouble for 'Sherlocking' Camo. Apple-1 computer prototype board #0 sold for $2.75M. Very first Apple check & early Apple-1 motherboard sold for $5 million combined. New iPhone Fold specs revealed, including design, cameras, more. Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model. New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut. Agentic coding comes to Xcode. Auto-resizing columns in Finder. iOS 26's Passwords app has a new feature that can save you a headache. Apple Maps gets a 'Drops of God' wine guide curated by actor Tomohisa Yamashita. Apple C-series modem enables new privacy-focused limit precise location feature. Today's Apple TV press day. New 'Humans of Apple TV' video debuts, watch it here. Apple TV launches F1 programming in app ahead of season kickoff. Two years after release, Apple still hasn't decided what to do with Apple Vision Pro. More Accessibility for Winter Olympics. Picks of the Week Shelly's Pick: Transit App Leo's Picks: AppleUnsold and Bugs Apple Loves Andy's Pick: ReelGood Mikah's Pick: Picky Pad Hosts: Leo Laporte and Andy Ihnatko Guests: Shelly Brisbin and Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit

Apple had a very strong Q1 2026, thanks to iPhone 17 sales. Apple acquires an AI company, its second-largest acquisition behind Beats by Dre. An Apple-1 computer prototype board #0 sold for $ 2.75 million. And new tech spec leaks of Apple's potential iPhone Fold hit the web! Apple's record quarter: Is this what a hit iPhone looks like?. Apple reveals it has 2.5 billion active devices around the world. Apple's historic quarter doesn't change the need for AI reckoning. Apple revamps how you buy a Mac online, removes preconfigured options. Apple's second biggest acquisition ever is an AI company that listens to 'silent speech'. Apple Design Team gains Halide co-founder, but the pro camera app isn't going anywhere. Apple to soon take up to 30% cut from all Patreon creators in iOS app. Apple was fined a total of $851M last year for privacy and antitrust violations. Continuity Camera lands Apple in legal trouble for 'Sherlocking' Camo. Apple-1 computer prototype board #0 sold for $2.75M. Very first Apple check & early Apple-1 motherboard sold for $5 million combined. New iPhone Fold specs revealed, including design, cameras, more. Report: Apple 'exploring' clamshell foldable iPhone as potential follow-up model. New MacBook Pro release date: Here's when M5 Pro and M5 Max might debut. Agentic coding comes to Xcode. Auto-resizing columns in Finder. iOS 26's Passwords app has a new feature that can save you a headache. Apple Maps gets a 'Drops of God' wine guide curated by actor Tomohisa Yamashita. Apple C-series modem enables new privacy-focused limit precise location feature. Today's Apple TV press day. New 'Humans of Apple TV' video debuts, watch it here. Apple TV launches F1 programming in app ahead of season kickoff. Two years after release, Apple still hasn't decided what to do with Apple Vision Pro. More Accessibility for Winter Olympics. Picks of the Week Shelly's Pick: Transit App Leo's Picks: AppleUnsold and Bugs Apple Loves Andy's Pick: ReelGood Mikah's Pick: Picky Pad Hosts: Leo Laporte and Andy Ihnatko Guests: Shelly Brisbin and Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit

Jessica Smetana joins for a supersized episode. First, we run through the news on Aaron Henry and Brian Jean-Mary reportedly being added to the Fighting Irish staff, Notre Dame's relationship with the ACC and a College Football Playoff schedule that has somehow gotten worse. Then (25:45) a pivot to discussing every single new head coaching hire in FBS, starting with the Big Ten and ending with UConn. Included: Questions for Sparty, strange goings-on at Utah, some fun moves by the Big XII, the SEC raiding the AAC, "The Americans," a few small morning beers, Stanford's curious hire, MAC scandals and high hopes for the new faces in the new Pac-12. Sign up for the newsletter and/or browse the merch here: https://linktr.ee/rakesreport  

En este episodio del iSenaCode LIVE tenemos a los pesos pesados de Horizonte Artificial, unos amigos especialistas en IA que nos ayudarán a entener el último movimiento gordo: OpenClaw y por qué Siri va a reinventar la IA (o NO).

As SpaceX acquires xAI, all of Elon's companies under one umbrella is pretty much an inevitability isn't it? What is with this weird game of chicken that Nvidia and OpenAI and now Oracle are all engaging in all of the sudden. And self-driving cars are about to be ubiquitous, indication number 37. Musk's SpaceX Combines With xAI at $1.25 Trillion Valuation (Bloomberg) SpaceX acquires xAI, plans to launch a massive satellite constellation to power it (ArsTechnica) OpenAI's Codex just got its own Mac app - and anyone can try it for free now (ZDNet) Exclusive: OpenAI is unsatisfied with some Nvidia chips and looking for alternatives, sources say (Reuters) Waymo Raises $16 Billion From Alphabet and Others to Expand (Bloomberg) Learn more about your ad choices. Visit megaphone.fm/adchoices

View this video at https://macmost.com/10-tips-for-minimizing-windows-on-a-mac.html. Here are some tips for using the Minimize feature on your Mac that lets you temporarily move windows into the Dock and bring them back easily.

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Stuff: Stuff helps you get everything out of your head and into a simple, elegant system—closing open loops and reducing mental stress. Use code 9TO5 at checkout for 50% off your first year. New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: iPhone 18 isn't launching until next year, new report reaffirms Tim Cook didn't rule out price rises for Apple products, and here's why Studio Display refresh looms with three key upgrades Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

The 8am hour of Tuesday's Mac & Cube saw Andy Burcham, the Voice of the Auburn Tigers, tell us what he learned about the men's basketball team after the Tennessee loss, where the team has looked great, and what to expect when they face Alabama this weekend; then, Cole & Greg look at the QB depth across the SEC; later, Adam Sparks, who covers Tennessee for the Knoxville News Sentinel, says what the administration & staff hopes happens with the Joey Aguilar vs. NCAA lawsuit, how much of the defense will come from the Portal, and what the expectations are for Tennessee fans for 2026; and finally, we pick national championship winner(s) based on Vegas odds. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Tuesday's 7am hour of Mac & Cube started off with the question of what day or event has basically just gone away and lost all it's luster; then, the guys don't like the Pandora's Box that'll open if Joey Aguilar's eligibility lawsuit goes through; and finally, listeners weigh in with their thoughts on eligibility and suing the NCAA. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Tuesday's 9am hour of Mac & Cube kept on with the guys predicting who'll win the national championship based on Vegas odds; then, Trevor Sikkema, from PFF & the NFL Stock Exchange, tells us who looked great at the Senior Bowl, and which players improved their draft stock; later, Cole & Greg get ready for the Winter Olympics that start this week; and finally, a hilarious Bad Box Score of the Day closes out our Tuesday show. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Timestamps: 0:00 i saw the soup, and it opened up... 0:09 Firefox announces AI kill switch 2:02 SpaceX 1M+ satellites, xAI merger 3:44 Notepad++ hack, patch 5:36 QUICK BITS INTRO 5:47 Apple store adds Mac customization 6:30 iOS 26.3 location privacy feature 7:11 Fire TV sideloading crackdown 7:54 Moto G17 gets no OS updates 8:51 Hair computers! NEWS SOURCES: https://lmg.gg/54TmY Learn more about your ad choices. Visit megaphone.fm/adchoices

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Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

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Today we're going to talk about household skills that can save you an enormous amount of money if you work out of your home or office. Screw The Commute Podcast Show Notes Episode 1076 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Household Skills 01:20 Growing up around tools, getting basic skills, etc. 06:34 Working out of your home can cost a lot of cash 11:38 Basic tools you need to ultimately save you money Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Ask Tom A Question - https://screwthecommute.com/1075/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/