Podcasts about Hut

Auf der höchsten Spitze eine Hügels stand einmal eine Burg, in der ein Ritter lebte. Und da er sich ab und zu etwas einsam fühlte, beschloss er ein rauschendes Fest zu geben. Jeder konnte kommen, aber nur mit Mut zum Hut. Der Hutmacher im Tal hatte viel zu tun und in seiner Schublade auch ganz besondere Kappen für seine Kundschaft. Das Sandmännchen hat dir aber nicht nur diese Geschichte mitgebracht, sondern auch noch das Kinderlied "Ein Mädchen mit Dreirad" von Ritter Rost.

Wie schlägt man noch mal jemanden zum Ritter? Ser Duncan scheint es nicht genau zu wissen, doch er braucht dringend ein paar neue! Denn Dunk bleibt nur noch das Götterurteil, doch Aerion zaubert auf einmal das "Urteil der Sieben" aus dem Hut. Sieben Ritter, die sich gegen die Königsfamilie stellen, sind gar nicht mal so leicht zu finden... Wer wird überleben, wer wird dran glauben müssen? Wir besprechen heute AKotSK Staffel 1, Folge 4. Nächste Woche besprechen wir die Folge 5. Instagram: @aliciajoe und @cashisclay_attitude Learn more about your ad choices. Visit megaphone.fm/adchoices

Dalam rangka HUT ke-26 Radio Elshinta (14/02/2026), Kepala Badan Pelaksana BPKH, Dr. Fadlul Imansyah, mengungkap tantangan terbesar pengelolaan dana haji bukan pada investasi, melainkan ketidakpastian kebijakan dari otoritas Arab Saudi yang bisa berubah cepat.Ia menjelaskan dampak perubahan timeline, kewajiban pembayaran down payment layanan Armuzna jauh sebelum musim haji, hingga strategi menjaga likuiditas agar nilai manfaat tetap optimal. Fadlul juga memaparkan koordinasi dengan DPR, sinergi dengan Kementerian Haji, serta arah keberlanjutan BPKH Limited di tengah dinamika regulasi Saudi.

Wie kriegt man Karneval, die Olympischen Winterspiele und schwelende Konflikte unter einen Hut? Jürgen Becker und Didi Jünemann können das. Von Becker / Jünemann.

Menteri Pertanian (Mentan) Andi Amran Sulaiman menjadi tamu istimewa dalam Podcast Spesial dalam rangka HUT ke-26 Elshinta News And Talk.Mentan Amran bercerita bagaimana upaya Kementerian Pertanian mewujudkan swasembada pangan. Amran mengatakan Presiden Prabowo mempunyai andil besar sehingga kebijakan-kebijakan berjalan dengan baik di sektor pangan.Simak selengkapnya dalam Podcast Spesial HUT ke-26 Elshinta News And Talk bersama Mentan Amran Sulaiman yang dipandu oleh Pemred Radio Elshinta Haryo Ristamaji.#HUT26ElshintaNewsAndTalk #amransulaiman #mentanamran

Wenn man Sascha von Zabern heißt, den Adel also schon im Namen trägt; wenn man als Kind in der Eifel, Köln und Mainz begeistert Karneval gefeiert hat - und wenn es einem dann noch auf den Keks geht, dass alle sagen, Westfalen hätten mit Karneval nichts am Hut, dann kann es sein, dass man selber Prinz wird. So geschehen in Münster ... Von Gisela Steinhauer.

#81 Während Zsolt schon für Let's Dance probt, versucht Alex alles unter einen Hut zu bekommen: Business, Kinder, Patienten, Zahnkronen, Schmuck und dann ist da ja auch noch die Tanzerei. Wie ist das eigentlich, wenn man mit seiner Frau nicht nur das Privatleben, sondern auch 24/7 die Arbeit teilt? Wo hört Business auf und wo fängt Beziehung an? Außerdem wird geklärt: Was würde Zsolt mit 5 Millionen Euro machen? Und wer ist der Typ in Ungarn?Viel Spaß mit der Folge!

Die GamerDaddies – der Podcast rund um das Thema Gaming auf Konsolen und dem PC. Was sie von den anderen Podcasts zum Thema Videospiele unterscheidet, ist, dass sie alles aus dem Blickwinkel von Vätern für Väter betrachten. Gerit und Buddha analysieren, ob Computerspiele familientauglich sind und sprechen darüber, wie man am besten Familie, Kinder, Gaming und andere Hobbies unter einen Hut bekommt. Diesmal geht es um das Thema: Freitag der 13.. Gezockt haben die beiden Daddies natürlich auch und zwar Black Mesa auf dem PC. Spotify: https://spoti.fi/32so0js Apple: https://apple.co/2NPCEvP www.gamerdaddies.de HOLY Energy: https://de.weareholy.com/discount/GEZOCKT?ref=geritzockt CODE: Gezockt (10 Prozent Rabatt) Partner: www.perfekt-zocken.de Twitch: www.twitch.tv/GeritZockt Discord: https://discord.gg/YaSrPYjbUg

Mike und Manuel präsentieren eine großartige Ausgabe der Harald Schmidt Show: live zugeschaltet ist die Galopprennbahn in Baden Baden. Hauptdarstellerin ist Nathalie Licard als Außenreporterin in ihrer wahrscheinlich besten Sendung. Respektlos, humorvoll und sexy mit tollem Hut. Nebendarsteller sind ein sehr witziger Jimmy Hartwig, ein sehr nervöser Renndirektor, zwei sehr charmante Hostessen und natürlich das Pferd Ingolf. Derweil bringt Manuel, der „Dostojewski aus Nippes“ (eigentlich der Pferdenarr aus Ehrenfeld) Harald das Pferdewetten bei und rät ihm, auf Ingolf zu setzen. Höhepunkt der Sendung ist natürlich das abschließende Rennen, und es gewinnt – hört es euch an.

Die GamerDaddies – der Podcast rund um das Thema Gaming auf Konsolen und dem PC. Was sie von den anderen Podcasts zum Thema Videospiele unterscheidet, ist, dass sie alles aus dem Blickwinkel von Vätern für Väter betrachten. Gerit und Buddha analysieren, ob Computerspiele familientauglich sind und sprechen darüber, wie man am besten Familie, Kinder, Gaming und andere Hobbies unter einen Hut bekommt. Diesmal geht es um das Thema: Freitag der 13.. Gezockt haben die beiden Daddies natürlich auch und zwar Black Mesa auf dem PC. Spotify: https://spoti.fi/32so0js Apple: https://apple.co/2NPCEvP www.gamerdaddies.de HOLY Energy: https://de.weareholy.com/discount/GEZOCKT?ref=geritzockt CODE: Gezockt (10 Prozent Rabatt) Partner: www.perfekt-zocken.de Twitch: www.twitch.tv/GeritZockt Discord: https://discord.gg/YaSrPYjbUg

Patrick besteht darauf, mit Zoe die Aufzeichnungen seiner Mutter durchzuhören. Sie soll ihm dabei helfen, zu entschlüsseln, worum es geht. Zoe glaubt nicht daran, dass die beiden von einer Geheim-Organisation gejagt werden, aber Patrick macht ihr Angst. Auf den richtigen Moment zur Flucht wartend, tut sie so, als würde sie seinen Wahnsinn teilen. Gemeinsam hören sie sich die erstbeste Kassette an. Auf der Kassette berichtet Stummfilm-Experte Rolf Passau aus den frühen Tagen von BitTorrent und LimeWire-Filesharing-Plattformen. Rolf hat mit so etwas eigentlich nichts am Hut, bis ihm zu Ohren kommt, dass auf einem dieser Portale ein verloren geglaubter Stummfilm des Okkultisten und Nosferatu-Produzenten Albin Grau aufgetaucht ist. Doch alle, die den Film gesehen haben, verschwinden kurz danach spurlos… Zoe wagt einen Fluchversuch und trifft auf Herrn Altenbrink, doch dann kommt es zu einem weiteren unerwarteten Zusammentreffen. Thomas befindet sich in einer Musical-Welt, in der alle immer singen. In dieser Welt ist er Müllmann von Beruf und organisiert einen großen Streik! Mit Max Schimmelpfenning, Nisan Arikan, Ulrich Bähnk u.a. Regie: Lars Henriks Podcast-Tipp: Große Geschichten https://1.ard.de/grossegeschichten

Immer neue Details treten aus den Epstein-Files zutage. Die einen müssen keinerlei Konsequenzen fürchten, andere nehmen unverzüglich ihren Hut. WDR 2 Satiriker Florian Schroeder über prominente Namen, Opfer und das Verwirrspiel des US-Justizministerium. Von Florian Schroeder.

Wenn Franziska anfängt über ihre Sustainability-Strategie auszupacken, kann man sich gegen die ansteckende Motivation nicht mehr wehren. Dabei ist sie in kürzester Zeit in ihre Rolle gewachsen. Noch vor einem Jahr stand sie als frische Sustainability Managerin vor einer großen Herausforderung: „Wie bringt man 80 autarke Standorte unter einen Hut, wenn es um Nachhaltigkeit und ESG-Reporting geht?“ Mitten im EU Omnibus-Hin und Her startete sie bei der Academia Holding. Ihr Job: zahlreiche große sowie kleine Spezial-Labore und Arztpraxen auf die gemeinsamen Klimaziele einzuschwören. Für diese Folge lässt sie sich von Host Zackes Brustik in die Karten schauen: Ihre Erfolgsstories, Learnings und Pain Points direkt aus der Praxis. Mit ganz konkreten Details, Produkten und Software-Erfahrungen. Nach dieser Episode weißt du: ✅ So gelingt dir der pragmatische Einstieg ins ESG-Reporting. ✅ Wie du komplexe Strukturen mit Excel als Ausgangs-Tool meisterst. ✅ Wie du die Herausforderungen von Standorten in Mietverhältnissen löst. ✅ Auf welche Anbieter Franziska für Software, Grünstrom oder Energieeffizienz setzt. ✅ Wie Du Stakeholder-Management mit Autonomieanspruch und knappen Ressourcen vereinst. Franziska spricht offen über Herausforderungen wie das Kohlendioxidkostenaufteilungsgesetz und wie sich selbst kleine Low-Hanging-Fruits wie smarte Thermostate blitzschnell amortisieren. Der Podcast ist Pflicht für alle, die nachhaltige Strategien mit echter Wirkung aufbauen wollen – egal, ob Konzern oder Mittelstand. NEWSLETTER: Hol dir den Newsletter zum Podcast! Hier teilt Host Zackes einmal im Monat die wichtigsten Entwicklungen für Sustainability-Profis. Außerdem erwarten dich die kompakten Zusammenfassungen der aktuellen „Gewinne Zukunft“-Folgen:

Er gehört zu den bekanntesten Studis Deutschlands: Gianni Matheja. Vielleicht kennt ihr ihn von TikTok und Instagram, wo er als @giannistudiert von seinen Struggles mit Bafög und Modulen erzählt und fantastische Videos über Uniklischees macht. Gianni ist 20 und studiert seit zwei Jahren an der FU Berlin. Er zeigt die Uni, wie sie wirklich ist, wie witzig, wie beknackt, wie schön. Nebenbei moderiert er eine Sendung beim RBB und ist Reporter bei "logo!". Schon als Schüler hatte er einen Podcast. Wie er das alles unter einen Hut bekommt, was ihm gegen Unistress hilft und warum er regelmäßig Sauerkrautsaft trinkt, erzählt er in dieser Folge "Und was macht die Uni?".  [ANZEIGE] Mehr über die Angebote unserer Werbepartnerinnen und -partner finden Sie HIER. [ANZEIGE] Mehr hören? Dann testen Sie unser Podcast-Abo mit Zugriff auf alle Dokupodcasts und unser Podcast-Archiv. Jetzt 4 Wochen kostenlos testen. Und falls Sie uns nicht nur hören, sondern auch lesen möchten, testen Sie jetzt 4 Wochen kostenlos DIE ZEIT. Hier geht's zum Angebot.  Und hier gibt es unser Angebot für alle unter 30 Jahren.

In der 57. Folge von Informatik für die moderne Hausfrau spreche ich mit Stephanie Reiner über digitale Barrierefreiheit. Stephanie erklärt, warum es bei Designprozessen (nicht nur im digitalen Bereich und in Bezug auf Technik) wichtig ist, alle Menschen von Anfang mitzudenken - insbesondere Menschen mit Behinderung, denn höchstwahrscheinlich werden die meisten von uns im Laufe unseres Lebens eine solche erwerben. Welche Herausforderungen es dabei gibt, erläutert Stephanie u.a. am Beispiel eines Forschungsprojekts, in dem sie gearbeitet hat. Wir werfen außerdem einen Blick auf das Barrierefreiheitsstärkungsgesetz, das seit Ende Juni 2025 in Kraft ist.  Stephanie gibt uns zudem Einblicke in ihre aktuelle Forschung, im Rahmen ihrer Promotion zum Thema "ressourcenorientierte Personalarbeit in Zeiten der digitalen Transformation" beschäftigt sie sich nämlich damit, welche Voraussetzungen Arbeitnehmer*innen benötigen, um digitale und insbesondere KI-Kompetenzen erwerben zu können. Inwieweit sie dabei aus ihrer Vergangenheit als Organisationsentwicklerin und Agile Coach schöpft und warum ihre früheren Berührungspunkte mit der IT förderlich sind, verrät sie ebenfalls. Wir erfahren außerdem Genaueres über das Berufsbild der FH- bzw. HAW-Professur und insbesondere über das Modell der Nachwuchsprofessur in Bayern. Stephanie erläutert uns diesbezüglich, wie im Rahmen von Nachwuchsprofessuren einerseits engagierte Kräfte aus der Wirtschaft akademische Qualifikationen nachholen und andererseits Wissenschaftler*innen Praxiserfahrung aufbauen können. Welche weiteren Anforderungen und Rahmenbedingungen es gibt, schildert sie ebenfalls. Mehr Informationen zu Stephanie Reiner sowie Kontaktmöglichkeiten findet ihr unter den folgenden Links: - https://www.hnu.de/stephanie-reiner - https://www.linkedin.com/in/stephanie-reiner-57346478/ Mehr über das Erasmus+-Projekt PaViVET, in dem Stephanie gearbeitet hat, erfahrt ihr hier: https://www.pavivetproject.com/proyecto-y-resultados/project-and-results Ob für eure Webseite Handlungsbedarf im Sinne des Barrierefreiheitsstärkungsgesetzes (BFSG) besteht, könnt ihr auf dieser Seite prüfen: https://bfsg-gesetz.de/check/ Genaueres über die erwähnten Web Content Accessibility Guidelines könnt ihr hier nachlesen: https://www.w3.org/WAI/standards-guidelines/wcag/glance/ Zum Thema digitale Barrierefreiheit könnt ihr euch ab Ende 2026 kostenlos über diesen Kurs fortbilden (Kooperation zwischen HNU, HAW Kempten, KSH München und Universität Bamberg): https://open.vhb.org/blocks/occoursemetaselect/detailpage.php?id=453 Mehr über das Modell der Nachwuchsprofessur in Bayern erfahrt ihr hier: https://werdensieprof.de/nachwuchsprofessur/ Über die in der Folge angesprochene Technik des "Rubber Duck Debugging" erfahrt ihr auf dieser Seite mehr (inkl. Möglichkeit, mit einer Rubber Duck zu sprechen): https://rubberduckdebugging.com/ In dieser Folge wurde verwiesen auf Folge 35: Technik im Leben älterer Menschen - Gast: Karola Köpferl.  Alle Informationen zum Podcast findet ihr auf der zugehörigen Webseite https://www.informatik-hausfrau.de. Zur Kontaktaufnahme schreibt mir gerne eine Mail an mail@informatik-hausfrau.de oder meldet euch über Social Media. Auf Instagram und Bluesky ist der Podcast unter dem Handle @informatikfrau (bzw. @informatikfrau.bsky.social) zu finden. Wenn euch dieser Podcast gefällt, abonniert ihn doch bitte und hinterlasst eine positive Bewertung oder eine kurze Rezension, um ihm zu mehr Sichtbarkeit zu verhelfen. Rezensionen könnt ihr zum Beispiel bei Apple Podcasts schreiben oder auf panoptikum.social. Falls ihr die Produktion des Podcasts finanziell unterstützen möchtet, habt ihr die Möglichkeit, dies über die Plattform Steady zu tun. Weitere Informationen dazu sind hier zu finden: https://steadyhq.com/de/informatikfrau Falls ihr mir auf anderem Wege etwas 'in den Hut werfen' möchtet, ist dies (auch ohne Registrierung) über die Plattform Ko-fi möglich: https://ko-fi.com/leaschoenberger Dieser Podcast wird gefördert durch das Kulturbüro der Stadt Dortmund.

So it's the weekend of the Big Game, you know THAT one... That one nobody can say out loud otherwise NFL commandoes storm your house. So bearing that in mind we're celebrating the weekend of the 'Superb Owl' by trying to find the defining Football movie for 'Murica. Is it Oliver Stone's 2 1/2 hour music video 'Any Given Sunday'? Will 'Little Giants' Fumblerooskie it's way into our hearts? Or will 'Ace Ventura' give us all the Superb Owl we need (with a garnish of transphobia)? Blue 42! Blue 42! HUT! HUT! HUT! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Olympics are off and running, someone out-pizza'd the Hut, if you're over 35 I have some bad news for you and today is the day we apparently really take out foot off the gas!See omnystudio.com/listener for privacy information.

0:00 Intro 2:00 Jon Gruden 15:00 Emmitt Smith & Jon Gruden 45:00 Feitelberg Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions Bobbleheads: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. 1 per new customer. Must register new account to receive reward Token. Must select Token BEFORE placing min. $5 bet to receive $300 in Bonus Bets if your bet wins. Min. -500 odds req. Token and Bonus Bets are single-use and non-withdrawable. Bet must settle by and Token expires 2/22/26. Bonus Bets expire in 7 days (168 hours). Stake removed from payout. Terms: sportsbook.draftkings.com/promos. Ends 2/15/26 at 11:59 PM ET. Sponsored by DK. TaxAct: Sign up now for a chance to win! https://taxact.com/barstool Pizza Hut: Don't Forget to Pizza Before the Hut. Order the Big New Yorker for $10. Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions Bobbleheads: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. NO PURCHASE NECESSARY. Open to eligible U.S. residents physically located in an eligible jurisdiction. Void where prohibited. Valid DraftKings Sportsbook account req. Opt-in req. Token valid on Super Bowl LX live bets only. Min. $1 bet. Min. odds -500. Token auto-applied to eligible bets and will be reissued after each use. Each eligible customer receives 1 prize (i) non-withdrawable Bonus Bet that expires in 30 days, stake removed from payout; or (ii) single-use 20% profit boost token that expires 30 days after issuance, max bet $20. 30 days = 720 hours. Begins 2/8/26 at 6:30 PM ET and ends 2/8/26 at 11:59 PM ET. See Official Rules at sportsbook.draftkings.com/promos for all entry requirements, free method of entry, odds, and prize details. Sponsored by Crown Gaming Inc. TaxAct: Sign up now for a chance to win! https://taxact.com/barstool Pizza Hut: Don't Forget to Pizza Before the Hut. Order the Big New Yorker for $10. Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Helge Heynold liest: Lyrikfestival - von Nanaja Meropis

Die GamerDaddies – der Podcast rund um das Thema Gaming auf Konsolen und dem PC. Was sie von den anderen Podcasts zum Thema Videospiele unterscheidet, ist, dass sie alles aus dem Blickwinkel von Vätern für Väter betrachten. Gerit und Buddha analysieren, ob Computerspiele familientauglich sind und sprechen darüber, wie man am besten Familie, Kinder, Gaming und andere Hobbies unter einen Hut bekommt. Diesmal geht es um das Thema: Jubiläen. Gezockt haben die beiden Daddies natürlich auch und zwar StarRupture auf dem PC. Spotify: https://spoti.fi/32so0js Apple: https://apple.co/2NPCEvP www.gamerdaddies.de HOLY Energy: https://de.weareholy.com/discount/GEZOCKT?ref=geritzockt CODE: Gezockt (10 Prozent Rabatt) Partner: www.perfekt-zocken.de Twitch: www.twitch.tv/GeritZockt Discord: https://discord.gg/YaSrPYjbUg

+++Hinweis: Aktenzeichen Livegeflüster! 23.05.2026 im Stadttheater Aschaffenburg. Geschichten aus der Communtiy und offenes Mike für eure Erlebnisse. Tickets unter Reservix.de +++Traumhaft, Nachtgeflüster 134, im wahrsten Sinne des Wortes.Es wurde sich gewünscht und wir haben im Archiv geschaut und gefiltert, was zum Thema Träume und Schlafparalyse alles da ist. Diese Folge dreht sich komplett um Träume und sehr wahrscheinlich wird das nicht die letzte Ausgabe sein, in der es sich nur um Träume und Schlafparalyse dreht.• Niki berichtet von extrem realistischen Träumen, Déjà vus und einem Geisterpferd, das sie bis heute in ihren Träumen begleitet.• Joana erzählt von einem farbigen Traum, in dem sie den Tod ihres Opas exakt so erlebte, wie er kurz darauf in der Realität geschah.• Nadine schildert wiederkehrende Vorahnungsträume vom Tod ihrer Mutter, Begegnungen mit einer schwarzen Gestalt und prophetische Träume bis heute.• Jessica berichtet per Audio von Träumen, die verschwinden, wenn sie schön sind, während belastende Träume klar und dauerhaft bleiben.• Anonym erzählt von wiederkehrenden Träumen mit dem Mann mit Hut, einer warnenden Frau und später identischen Erlebnissen ihres Sohnes.• Nicole berichtet von prophetischen Träumen, die mit realen Katastrophen wie dem Anschlag auf Charlie Hebdo und dem Seilbahnunglück übereinstimmten.• Susi schildert extrem lebhafte Schwangerschaftsträume mit dunklen Gestalten, körperlichen Empfindungen und einem möglichen schützenden Wesen.• Steffi erzählt von luziden Träumen, Traumdeutung, Wasserträumen und einer Erfahrung zwischen Schlafparalyse und möglicher Astralreise.• Anonym berichtet von einem Abschiedstraum ihres verstorbenen Opas, der ihr im Traum sagte, dass es ihm gut gehe.• Anonym schildert einen Kindheitstraum mit Reinkarnationsmotiven sowie ein unerklärliches Wasserphänomen im Elternhaus.• Jay erzählt von einer fortlaufenden Albtraumgeschichte aus der Kindheit, die sich über mehrere Nächte wie eine düstere Erzählung weiterzog.• Maximilian berichtet von einem Klartraum über einen Lost Place mit Kindergeist und wiederkehrenden Albträumen von seinem verstorbenen Vater.• Leon schildert zwei intensive Schlafparalysen, kalte Atemzüge, Kontrollverlust in luziden Träumen und das plötzliche Ende der Phänomene.• Annika erzählt von zahlreichen Träumen mit Vorahnungen, Gestalten, verstorbenen Angehörigen und wiederkehrenden Besuchen aus einer anderen Ebene.Träumt, wie ihr wollt, habt aber keine Angst davor.+++WERBUNG+++

Die GamerDaddies – der Podcast rund um das Thema Gaming auf Konsolen und dem PC. Was sie von den anderen Podcasts zum Thema Videospiele unterscheidet, ist, dass sie alles aus dem Blickwinkel von Vätern für Väter betrachten. Gerit und Buddha analysieren, ob Computerspiele familientauglich sind und sprechen darüber, wie man am besten Familie, Kinder, Gaming und andere Hobbies unter einen Hut bekommt. Diesmal geht es um das Thema: Jubiläen. Gezockt haben die beiden Daddies natürlich auch und zwar StarRupture auf dem PC. Spotify: https://spoti.fi/32so0js Apple: https://apple.co/2NPCEvP www.gamerdaddies.de HOLY Energy: https://de.weareholy.com/discount/GEZOCKT?ref=geritzockt CODE: Gezockt (10 Prozent Rabatt) Partner: www.perfekt-zocken.de Twitch: www.twitch.tv/GeritZockt Discord: https://discord.gg/YaSrPYjbUg

0:00 Intro 4:00 Flag Football Recap 14:00 NBA Trade Deadline/Celebrity All Star Game 1:08:00 CFB Calendar Disaster Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions Bobbleheads: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. NO PURCHASE NECESSARY. Open to eligible U.S. residents physically located in an eligible jurisdiction. Void where prohibited. Valid DraftKings Sportsbook account req. Opt-in req. Token valid on Super Bowl LX live bets only. Min. $1 bet. Min. odds -500. Token auto-applied to eligible bets and will be reissued after each use. Each eligible customer receives 1 prize (i) non-withdrawable Bonus Bet that expires in 30 days, stake removed from payout; or (ii) single-use 20% profit boost token that expires 30 days after issuance, max bet $20. 30 days = 720 hours. Begins 2/8/26 at 6:30 PM ET and ends 2/8/26 at 11:59 PM ET. See Official Rules at sportsbook.draftkings.com/promos for all entry requirements, free method of entry, odds, and prize details. Sponsored by Crown Gaming Inc. Pizza Hut: Don't Forget to Pizza Before the Hut. Order the Big New Yorker for $10. TaxAct: Sign up now for a chance to win! https://www.taxact.com/barstool Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

Kevin führt das Leben, von dem viele Männer nur träumen können. Fast täglich trifft er sich mit einer neuen Frau, schläft mit ihr und wird dafür sogar noch bezahlt. Doch er ist kein klassischer "Single-Gigolo". Er führt eine fast 10-jährige Beziehung und ist außerdem CEO der 2 renommiertesten Portale für Male Escorts in ganz Deutschland.Wie er das alles unter einen Hut kriegt, verrät er im Gespräch. 

0:00 intro 2:00 Joey Avery 18:00 Robert Kraft 31:00 NFL International Games 42:00 Royal Rumble/Olympic Hockey 53:00 Super Bowl Props 1:00:00 Mostly Hour Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions Bobbleheads: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. NO PURCHASE NECESSARY. Open to eligible U.S. residents physically located in an eligible jurisdiction. Void where prohibited. Valid DraftKings Sportsbook account req. Opt-in req. Token valid on Super Bowl LX live bets only. Min. $1 bet. Min. odds -500. Token auto-applied to eligible bets and will be reissued after each use. Each eligible customer receives 1 prize (i) non-withdrawable Bonus Bet that expires in 30 days, stake removed from payout; or (ii) single-use 20% profit boost token that expires 30 days after issuance, max bet $20. 30 days = 720 hours. Begins 2/8/26 at 6:30 PM ET and ends 2/8/26 at 11:59 PM ET. See Official Rules at sportsbook.draftkings.com/promos for all entry requirements, free method of entry, odds, and prize details. Sponsored by Crown Gaming Inc. Pizza Hut: Don't Forget to Pizza Before the Hut. Order the Big New Yorker for $10. TaxAct: With step-by-step guidance and trusted tools, you'll feel confident filing with TaxAct. The simplest, easiest way to get your taxes done. https://taxact.com/barstool Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

As the tech trade struggles on Tuesday's trading session, Prosper Trading Academy's Charles Moon offers three opportunities he sees tied to the sector. He takes investors through his analysis and options trades for Intel (INTC), Apple (AAPL), and Hut 8 (HUT). Rick Ducat turns to the bearish and bullish levels to watch in today's Big 3. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Frauke berichtet in dieser Folge direkt aus ihrem Forschungszelt im afrikanischen Busch. Sie ist in Kenia auf einer ehemaligen Rinderfarm, aus der jetzt ein Schutzgebiet mit sanftem Ökotourismus wird. Hier hilft sie Kamerafallen und Soundboxen zu installieren um mehr über die wilde Tierwelt in der Gegend zu erfahren. Sie hat für uns mit einem der Besitzer der Farm gesprochen und die Ranger mit denen sie im Busch unterwegs ist interviewt. Und natürlich erzählt sie von ihren besten Tierbegegnungen.Wir lernen aber auch einige charismatische Tierarten wie das Gerenuk und die Streifenhyäne kennen!Also: Ab in den Jeep und los geht die Afrika-Safari!Ps: Ihr seid der Wahnsinn! Es sind schon ganz viele auf unserer Steadyseite Teil vom Team tierisch! geworden. So ganz reicht es aber noch nicht- falls ihr was übrig habt, werft sehr gerne noch ein bisschen mit in den Hut! Wir sind im Gegenzug ganz fleißig auf der Suche nach einer nachhaltigen Finanzierung. Ab März sind wir dank eurer Großzügigkeit erstmal wieder zurück im einwöchigen Rhythmus! Juhu!Hier könnt ihr uns unterstützen, ewige Dankbarkeit sei euch gewiss: https://steady.page/en/tierisch/Weiterführende Links:Masaai und Rinder: https://education.nationalgeographic.org/resource/cattle-economy-maasai/5th-grade/Masaai und Klimawandel: https://africaclimateinsights.org/how-africas-time-tested-traditions-are-tackling-climate-change/Streifenhyäne: https://www.nabu.de/tiere-und-pflanzen/saeugetiere/sonstige-saeugetiere/23840.htmlGrevyzebra: https://www.spektrum.de/news/grevyzebras-in-kenia-besonders-selten-nuetzlich-und-bedroht/2024797Gerenuk: https://www.awf.org/wildlife-conservation/gerenukGerenuk Video: https://www.youtube.com/watch?v=oZtd8J0ttiM Hosted on Acast. See acast.com/privacy for more information.

Ready, Set, Hut! Beim American Football geht es ziemlich zur Sache. Doch kennst du schon Flag Football? Liam zeigt dir die Variante ohne Körperkontakt. ________________ Von summenden Bienen über den Adrenalin-Schub auf der Achterbahn bis zur Kaugummi-Fabrik: Hör dich unter srfkids.ch durch alle Abenteuer mit den SRF Kids Kinderreporter:innen. ________________ Du hast selber eine Idee? Dann nix wie los: Schick eine Nachricht an 076 317 44 44 Schreib uns im «Treff» auf srfkids.ch Sende eine E-Mail an redaktion@srfkids.ch Das SRF Kids Team ist gespannt auf deine Ideen! ________________ Produktion: Angela Haas Text: Sara Siccoli

Von der Great River Road über die Quad Cities nach Des Moines – Robin und Michael begeben sich auf die Spuren von Buffalo Bill Cody, John Wayne sowie Jesse James und treffen unterwegs auf so zahlreiche überdimensionale Highlights. Was aber hat die beiden go2travel Gründer denn überhaupt in den mittleren Westen geführt und wieso genau nach Iowa? Während Michi nur so von Erzählungen sprudelt, sieht Robin die ganze Sache etwas skeptischer und hat bei der Planung die Fäden komplett aus der Hand gegeben, denn vor allem ein Zwischenhalt war nicht verhandelbar. Unterwegs treffen Sie auf die weltgrösste Erdbeere, den grössten Beton-Stier und auch die grösste Autobahnraststätte der Welt. Welches kleine Dorf aber ist von äusserst grosser Bedeutung und darf sich mit einer Presidential Library rühmen und was hat Iowa mit Holland am Hut? Die zwei Nordamerika-Profis plaudern aus dem Nähkästchen und kommen zum Schluss: Iowa – wer sucht, der findet. Moderation: Manuel Wälti

Wer kennt diese Horrorvorstellung nicht - der Laptop fällt runter, funktioniert nicht mehr und dann sind auch noch die Daten weg. Tatsächlich können unsere Daten auch ohne derartige Unfälle Schaden nehmen und zwar so, dass es uns zunächst gar nicht auffällt. In der 56. Folge von Informatik für die moderne Hausfrau beschäftigen wir uns mit unterschiedlichen Möglichkeiten, wie wir unsere Daten bzw. den Zugriff auf sie verlieren können. Wir werfen einen Blick auf verschiedene Speichermedien und ihre Funktionsprinzipien, auf unterschiedliche Arten von Hardwareschäden, die dort auftreten können, und auf die sogenannte Silent Data Corruption, bei der sich gespeicherte Daten über längere Zeiträume hinweg unbemerkt verändern. Nicht zuletzt rekapitulieren wir einige einfache wie effektive Strategien, um die eigene Datenhaltung resilienter zu machen. In dieser Folge wurde auf drei andere Folgen verwiesen: - Folge 55 ("Warum LED-Lichterketten flackern"): https://informatik-hausfrau.de/2026/01/06/folge-55/ - Folge 45 ("Mut zur Ungenauigkeit: Wie JPEG Bilder platzsparend speichert"): https://informatik-hausfrau.de/2025/05/21/folge-45-mut-zur-ungenauigkeit/ - Folge 44 ("Zeichen und Zeichencodierung: Wie Schrift im Computer funktioniert"): https://informatik-hausfrau.de/2025/04/25/folge-44-zeichen-und-zeichencodierung/ Die Folge des Podcasts "Bildungsfrauen", in dem ich zu Gast war, findet ihr hier: https://bildungsfrauen.de/folge-60-bildungsfrau-dr-ing-lea-schoenberger/ Ebenfalls zu Gast war ich vor einer Weile im Podcast "Besser Wissen" von Golem, den ihr unter diesem Link anhören könnt: https://www.golem.de/news/podcast-besser-wissen-wie-geht-informatik-fuer-die-moderne-hausfrau-2511-202001.html Alle Informationen zum Podcast findet ihr auf der zugehörigen Webseite https://www.informatik-hausfrau.de. Zur Kontaktaufnahme schreibt mir gerne eine Mail an mail@informatik-hausfrau.de oder meldet euch über Social Media. Auf Instagram und Bluesky ist der Podcast unter dem Handle @informatikfrau (bzw. @informatikfrau.bsky.social) zu finden.  Wenn euch dieser Podcast gefällt, abonniert ihn doch bitte und hinterlasst eine positive Bewertung oder eine kurze Rezension, um ihm zu mehr Sichtbarkeit zu verhelfen. Rezensionen könnt ihr zum Beispiel bei Apple Podcasts schreiben oder auf panoptikum.social.  Falls ihr den Podcast werbefrei hören möchtet oder die Produktion des Podcasts finanziell unterstützen möchtet, habt ihr die Möglichkeit, dies über die Plattform Steady zu tun. Weitere Informationen dazu sind hier zu finden: https://steadyhq.com/de/informatikfrau  Falls ihr mir auf anderem Wege etwas 'in den Hut werfen' möchtet, ist dies (auch ohne Registrierung) über die Plattform Ko-fi möglich: https://ko-fi.com/leaschoenberger  Dieser Podcast wird gefördert durch das Kulturbüro der Stadt Dortmund.

Sign the petition: https://www.change.org/p/give-mister-ed-his-rightful-spot-on-the-hollywood-walk-of-fame?source_location=psf_petitions Bobbleheads: https://store.barstoolsports.com/products/mostly-sports-bobblehead-ii?variant=42353493114977 Mark Titus and Brandon Walker talking sports... mostly. Thanks to our sponsors: DraftKings: GAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY). Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD). 21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). Pass-thru of per wager tax may apply in IL. NO PURCHASE NECESSARY. Open to eligible U.S. residents physically located in an eligible jurisdiction. Void where prohibited. Valid DraftKings Sportsbook account req. Opt-in req. Token valid on Super Bowl LX live bets only. Min. $1 bet. Min. odds -500. Token auto-applied to eligible bets and will be reissued after each use. Each eligible customer receives 1 prize (i) non-withdrawable Bonus Bet that expires in 30 days, stake removed from payout; or (ii) single-use 20% profit boost token that expires 30 days after issuance, max bet $20. 30 days = 720 hours. Begins 2/8/26 at 6:30 PM ET and ends 2/8/26 at 11:59 PM ET. See Official Rules at sportsbook.draftkings.com/promos for all entry requirements, free method of entry, odds, and prize details. Sponsored by Crown Gaming Inc. TaxAct: With step-by-step guidance and trusted tools, you'll feel confident filing with TaxAct. The simplest, easiest way to get your taxes done. https://taxact.com/barstool Pizza Hut: Don't Forget to Pizza Before the Hut. Order the Big New Yorker for $10. Subscribe on YouTube: https://www.youtube.com/@MostlySportsTitusandWalker?sub_confirmation=1. Follow Mostly Sports on Twitter: https://twitter.com/MostlySports Follow Mark on Twitter: https://twitter.com/clubtrillion Follow Brandon on Twitter: https://twitter.com/bfw Follow Mostly Sports on Instagram: https://www.instagram.com/mostlysportsshow/ Follow Mark on Instagram: https://www.instagram.com/marktheshark34/ Follow Brandon on Instagram: https://www.instagram.com/bwalkersec/ Follow Mostly Sports on TikTok: https://www.tiktok.com/@mostlysportsshow?lang=en Follow Brandon on TikTok: https://www.tiktok.com/@brandonfwalker?lang=en Follow Mark on TikTok: https://www.tiktok.com/@marktituspod?lang=en

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   

In this episode of the KE Report, we sit down with TG Watkins, Director of Stocks at Simpler Trading and Editor of The Profit Pilot. The markets recently witnessed a historic "elevator drop" in precious metals, with Silver plummeting nearly 40% in a single day. TG shares the "detective work" that allowed him to warn his subscribers days before the crash by monitoring unusual volume in inverse leveraged ETFs. Beyond the metals, we explore a broader "vibe shift" affecting semiconductors, crypto, and small caps, and why a defensive posture might be the only logical move in a murky macroeconomic environment. Key Discussion Points The Anatomy of a Crash: How extreme parabolic moves in Gold and Silver signaled an imminent correction and why vertical moves rarely end well for late buyers. The "Inverse" Smoking Gun: Identifying the massive volume spikes in ZSL, GDXD, and GLL that served as a precursor to the historic Friday sell-off. Resource Stocks and Double Tops: Analyzing why Uranium and Rare Earth miners like UEC and UUUU are struggling to decouple from the broader metals weakness. Crypto's Three-Tier Split: Why Bitcoin miners are no longer a monolith, as companies like HUT pivot toward AI power generation while digital treasuries like MSTR face technical breakdowns. Summary of Stocks & ETFs Mentioned Precious Metals/Inverse ETFs: Silver ($SILVER), Gold ($GOLD), $ZSL (UltraShort Silver), $GDXD (Bear 3X Miners), $GLL (UltraShort Gold), $AGQ (Ultra Silver). Energy & Resources: $UEC (Uranium Energy Corp), $UUUU (Energy Fuels), $USR (U.S. Rare Earths), $COPX (Copper Miners), $CPER (Copper Index). Crypto & Tech: $BTC (Bitcoin), $ETH (Ethereum), $MSTR (MicroStrategy), $MARA (Marathon Digital), $HUT (Hut 8), $IBIT (iShares Bitcoin Trust), $SMH (Semiconductor ETF).   Click here to visit the Simpler Trading website - https://www.simplertrading.com/ Click here to visit TG's site - Profit Pilot - https://www.profit-pilot.com/   ---------------- For more market commentary & interview summaries, subscribe to our Substacks:  The KE Report: https://kereport.substack.com/  Shad's resource market commentary: https://excelsiorprosperity.substack.com/   Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security or investment product. Investing in equities, commodities, really everything involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.

Heute wird nach längerer Pause wieder losgelegt!Ein Update aus einem Leben, das in den letzten Monaten einmal komplett (positiv) neu sortiert wurde.Wir sind jetzt zu dritt. Vatersein, Elternzeit, Schlafmangel, Hausrenovierung, ein umgezogener Porsche 924 S, der weiter auf seine Motorrevision wartet – und mittendrin die Frage:Wie bringt man all das unter einen Hut, ohne sich selbst zu verlieren?In dieser Episode geht es um:Ankommen im Vatersein und was es mit Zeit, Fokus und Prioritäten machtHausbau, Umzug und warum Timing manchmal einfach Glück istden Porsche 924 S auf dem Trailer – und warum DIY manchmal die beste Lösung istneue Podcast-Strukturen: Batch-Produktion statt DauerstressAusblick auf 2026: Serien, Interviews & Community-Episoden12 Bücher in 12 Monaten – Unterschätztes Kulturgut zwischen Buchdeckeln50 Jahre Porsche 924 und eine große Transaxle-Serie in VorbereitungShop, neue Modellinien und was sonst noch dieses Jahr passieren wird.Dazu drei ehrliche Fragen an euch:Wie bringt ihr Familie, Leidenschaft und Alltag zusammen?Wann habt ihr zuletzt ein Buch gelesen – nicht für Arbeit, sondern für euch?Darf Vatersein hier am Rand miterzählt werden oder lieber Fokus auf Technik & Autos?Grundehrlich geht weiter. Ruhiger. Strukturierter. Und mit dem festen Vorsatz, 2026 konstanter zu sein als 2025.Grundehrliche Grüßeeuer Amadeus

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May the Schwartz Be With You: A Spaceballs Deep DiveWelcome to this episode of The Most Excellent 80s Movies Podcast! Hosts Krissy Lenz and Nathan Blackwell are joined by special guest Adam Marshall Rini to close out Season 8 with Mel Brooks' 1987 sci-fi parody Spaceballs. The trio explores whether this childhood favorite still holds up with "grown-up eyes," debating everything from Rick Moranis' concussed helmet performance to Pizza the Hut's grotesque puppet design. Spoiler alert: opinions are divided, with ratings ranging from a nostalgic seven cans of Perri-Air down to a disappointed four.What Really Works (and What Doesn't)The hosts agree that Spaceballs operates on a hit-or-miss ratio—about 50-50, which they concede is pretty solid for parody films. Nathan finds himself pleasantly surprised by how much heart the film retains compared to other spoofs, noting that Mel Brooks maintains character development even while throwing jokes at the wall. The merchandising gags, the "now/then" video scene, and Rick Moranis playing with dolls all earn praise as moments that still land decades later. However, Adam feels the weight of having seen Brooks' masterpieces like Blazing Saddles and Young Frankenstein, making Spaceballs feel disappointingly broad by comparison.Nostalgia vs. RealityThe conversation reveals how much expectation shapes our viewing experience. Nathan went in prepared to groan but found genuine enjoyment, while Adam's fond childhood memories collided with adult disappointment. Krissy appreciates the film's innocent, joyful approach to parody—it celebrates Star Wars rather than targeting it with edgy mockery. The group also notes how many dated references (Ford Galaxy cars, Michael Winslow's radar sounds) create an unintentional time capsule effect that's now charming rather than topical.Additional Highlights:The film's constant exposition and repeated revelations feel either intentionally melodramatic or surprisingly sloppyGeorge Lucas loved the movie and allowed Brooks to park the Millennium Falcon at the dinerBill Pullman's face-plant sound effect and Mel Brooks buckling a bear into a space pod remain comedy goldThe Yuma, Arizona sand dunes provided the perfect backdrop for the desert planet scenesWatching double features of Mel Brooks films reveals his decline from Blazing Saddles through Robin Hood: Men in TightsFinal VerdictDespite mixed ratings, the hosts agree Spaceballs remains a revisitable piece of 80s comedy—even if it doesn't quite reach the heights of Brooks' earlier work. Whether it's a prince or just Prince Valium depends entirely on what you bring to it.Ready to dive deeper? Head to TruStory FM to explore more episodes and learn about the network. Members get early, ad-free access plus exclusive bonus content—join at trustory.fm/join.Connect with the podcast on Facebook, Instagram, and Bluesky.Learn more about the hosts at Neighborhood Comedy Theatre and Squishy Studios.What's your take on Mel Brooks' parody style—does it hold up better than other 80s spoofs? ---Learn more about supporting this podcast by becoming a member. It's just $5/month or $55/year. Visit our website to learn more.

with last week's passing of longtime New Jersey cable fixture Florio Vivino aka Uncle Floyd, there's been much said about Vivino's comedic chops, his many celebrity patrons (including but not limited to David Bowie and Howard Stern) and the countless appearances by iconic musicians including but not limited to Adrenalin OD, Rupert Holmes, NRBQ and Blue Oyster Cult.  Comparatively little has been written about the two appearances by Genöcide (featuring the late Bobby Ebz) and even less about the stylistic transitions that took place between said appearances (see above). Given the rather tense state of affairs in the USA presently, I can understand why some of you are not ready for a full and frank discussion of this topic (indeed, I'm told that even mentioning this band's name on this platform virtually guarantees a limited audience), but that's why you listen to this show — in the vain hope I will actually discuss what's been touted in the program synopsis.  Maybe it will happen one of these weeks.  In the meantime, I trust that Uncle Floyd and Sir Ebz are both hanging in some heavenly version of Rutt's Hut (or at least Floyd). 

"Wilde Wahl" in Limbach: Wenn plötzlich niemand mehr Bürgermeister sein will In der Gemeinde Limbach im Neckar-Odenwald-Kreis steht eine Bürgermeisterwahl an – doch zunächst ohne Bewerber. Weder aus der Verwaltung noch aus dem politischen Umfeld fand sich ein Kandidat. Erst nach Hinweisen aus dem Bekanntenkreis entschloss sich Giovanni Deriu, parteilos und von außerhalb, seinen Hut in den Ring zu werfen. Damit wurde aus einer formalen Wahl eine sogenannte „wilde Wahl“ – ein seltenes, aber zunehmend häufiges Phänomen in ländlichen Regionen. Giovanni Deriu ist seit langem kompetenter TE-Autor, kennt selbst kommunale Abläufe aus jahrelanger Zusammenarbeit mit Bürgermeistern, war jedoch selbst noch nie Kandidat. Die Reaktionen in Limbach und den Ortsteilen reichen von Skepsis bis Erleichterung, dass sich überhaupt jemand bewirbt. Viele Bürger berichten von strukturellen Problemen: fehlender Nahverkehr, Abwanderung junger Menschen, knappe Haushalte und kaum kommunaler Gestaltungsspielraum. Der Fall Limbach ist kein Einzelfall. Immer mehr Gemeinden finden keine Bewerber mehr für das Bürgermeisteramt. Hohe Arbeitsbelastung, politische Konflikte, begrenzte finanzielle Mittel und geringe Planungssicherheit schrecken ab. Die "wilde Wahl" in Limbach macht sichtbar, was vielerorts verdrängt wird: Kommunale Selbstverwaltung steht unter Druck. Wo niemand mehr Verantwortung übernehmen will, gerät ein Grundpfeiler der Demokratie ins Wanken.

In een woning in Diemen wordt op zondag 14 januari 2024 het levenloze lichaam van een 73-jarige man gevonden. Hij heeft een ceintuur om zijn nek en heeft vijf steekwonden in zijn borst en buik. In bed wordt de 62-jarige Julia K. aangetroffen, en wordt met ernstige verwondingen naar het ziekenhuis gebracht. De vrouw wordt vervolgd voor de moord, dan wel doodslag op haar partner, maar zij zegt zich niets te herinneren van het moment waarop ze door het lint is gegaan. Verdachte Julia K. wordt tijdens het strafproces gediagnosticeerd met autisme. Haar advocaat, Yvonne van der Hut, vertelt hoe deze diagnose een grote rol speelde tijdens de behandeling van de zaak en vertelt wáárom deze cliënt zo veel indruk op haar maakte. Rechtbank Amsterdam:https://uitspraken.rechtspraak.nl/details?id=ECLI:NL:RBAMS:2025:1138See omnystudio.com/listener for privacy information.

This week on the Tea & Trails Podcast, Eddie and Gary share the tips and tricks that keep them going when training and racing get tough. There's a Lakeland 100–themed Brew With the Coaches question, plus an update on how their own training is shaping up as the Northern Traverse draws closer. Spoiler: it features a severed head, exploding bridges, a visit to Greg's Hut, and an unreasonable number of long runs.Thanks to Fenix Light UK, Voom & Altra 13 Valleys for supporting our January competitions. Head over to instagram for all the deets. Good luck!Links to friends, partners, sponsors & discount codes - https://linktr.ee/teaandtrails?utm_source=linktree_profile_share<sid=1c86b2f1-b04b-4dab-bd2f-dddf47358fa3HARRIER - Use code TEAS10 for 10% off - https://harrierrunfree.avln.me/c/qXhnTgIdEMeaXMILES UK - Listeners receive 10% of their order value back as store credit via the link - https://xmiles.avln.me/c/RiwxnARvfHeRFENIX LIGHT LTD - Use code T&T5 for 5% - https://www.fenixlight.co.uk/PRECISION FUEL & HYDRATION - Use code TEA2026 for 15% off your first orderPRECISION FUEL & HYDRATION PLANNER - https://visit.pfandh.com/3RuP25zRUNDERWEAR - Use code TEATRAILS15 for 15% off your orderhttps://runderwear.avln.me/c/GPVNMgMfYfLPCenturion Running - Use code TEAANDTRAILS10 to receive 10% off all ordershttps://www.centurionultrarunningstore.com/*Excluding Sale ItemsContent may contain affiliate links which help support and grow this channel at no extra cost to you. Brew with the Coaches - CLICK HERE Hardmoors - https://www.hardmoors110.org.uk/Trail Outlaws - https://www.trailoutlaws.com/13 Valleys Ultra - https://www.13valleysultra.com/Beyond Trails - https://www.beyondtrails.co.uk/Hellfire Events - https://www.hellfireevents.com/Ourea Events - https://www.oureaevents.com/Dales Runner - https://dalesrunner.co.uk/Hannah Walsh - https://www.hannahwalsh.co.uk/Punk Panther - https://www.punkpanther.co.uk/Pen Llyn Ultra - https://penllyn.niftyentries.com/Raw Adventures - https://www.raw-adventures.co.uk/XNRG - https://www.xnrg.co.uk/

Born in Blount County, Hut Amerine grew into one of East Tennessee's most notorious moonshiners. After the Civil War, federal whiskey taxes ignited a bitter conflict between mountain distillers and revenue agents. Accused in the fatal shooting of a federal officer, Amerine became the target of an intense manhunt, spoke publicly in his own defense, escaped jail twice, and ultimately vanished. It's a true Appalachian outlaw story, another one of the Stories of Appalachia.If you've not done so already, be sure to subscribe to the Stories podcast on your favorite podcast app.  For those of you who'd like an ad-free experience, come over to Spreaker and become a supporter of the channel. You'll get unreleased content, previews of upcoming episodes and our podcasts, ad free. Here's the link: Spreaker Supporters' ClubThanks for listening!

Das 56. WEF steht ganz im Zeichen des Besuchs von US-Präsident Donald Trump. Dabei steht Trump für das Gegenteil des «Geistes von Davos», also globale Zusammenarbeit. Lässt sich das WEF kapern? Übertüncht der Besuch die internen Probleme? Kritische Fragen an den WEF-Co-Präsidenten, André Hoffmann. André Hoffmann gehört zur Familie der Roche-Erben, ist Vize-Präsident des Pharmakonzerns und seit dem letzten August präsidiert er zusammen mit Blackrock-Chef, Larry Fink, den WEF-Stiftungsrat. Und, André Hoffmann, der sich selbst als Umweltaktivist bezeichnet und sich für Nachhaltigkeit engagiert, zeigte sich bei der Wahl Donald Trumps vor einem Jahr schockiert, dass eine Mehrheit in den USA einen «alten, korrupten Mann» gewählt habe. Nun ist just dieser Mann Star-Gast am WEF in Davos. Warum also die Einladung? Was unternimmt das WEF gegen die immer grösser werdende Präsenz der USA in Davos? Und setzt sich der Schweizer WEF-Co-Präsident für Schweizer Interessen ein? Der Besuch des US-Präsidenten macht vergessen, dass das WEF im vergangenen Jahr kräftig durchgeschüttelt wurde. Whistleblower hatten dem Gründer und langjährigen Mister WEF, Klaus Schwab, vorgeworfen, er habe u.a. bei den Spesen getrickst und Studien des WEF zu beeinflussen versucht. Zwar hat eine externe Untersuchung die Vorwürfe entkräftet, der Nachfolger von Schwab, ex-Nestlé-Chef, Peter Brabeck nahm trotzdem Knall auf Fall den Hut. Sind die Wogen intern wirklich geglättet? Was macht das neue Co-Präsidium anders? Und hat das WEF überhaupt eine Zukunft? André Hoffmann, Co-Präsident des WEF-Stiftungsrats, Roche-Erbe und Vize-Präsident und Autor eines Buches zu nachhaltigem Wirtschaften nimmt Stellung in der Samstagsrundschau bei Klaus Ammann. Ergänzend zum Tagesgespräch finden Sie jeden Samstag in unserem Kanal die aktuelle Samstagsrundschau.

Estimated reading time: 11 Minuten Recruiting fühlt sich 2026 für viele Mittelständler an wie Vertrieb in einer neuen Disziplin: Der Markt ist in Bewegung, Kandidaten sind wählerisch – und gleichzeitig entstehen wieder Chancen, an richtig gute Leute ranzukommen. Der Haken: Mit „Wir schalten mal eine Anzeige auf der Website" gewinnt heute niemand mehr. Ich habe dazu mit Pia Tischer gesprochen. Sie ist Geschäftsführerin der coveto ATS GmbH – ein deutsches Softwareunternehmen, das seit 25 Jahren Recruiting-Prozesse im Mittelstand digitalisiert („Von KMU für KMU"). coveto wurde u.a. als „Recruiting Champion" und „Recruiter's Liebling" ausgezeichnet (Details). In diesem Beitrag bekommst du die wichtigsten Recruiting Trends 2026 – plus einen klaren Plan, wie du als Mittelständler Top-Kandidaten gewinnst: mit zielgruppengerechten Stellenanzeigen, schnellen Prozessen, Messenger-Bewerbungen (ja: WhatsApp geht – aber bitte sauber) und KI als Turbo, nicht als Autopilot. Recruiting Trends 2026: Der Markt ist heterogen – und genau da liegt deine Chance Erstmal die unbequeme Wahrheit: Es gibt nicht den Arbeitsmarkt. 2026 ist Recruiting je nach Branche, Region und Rolle extrem unterschiedlich. In manchen Bereichen bekommst du weiter kaum Bewerbungen. In anderen Bereichen ist das Pendel spürbar zurückgeschwungen: Unternehmen selektieren wieder stärker, Bewerber müssen wieder sauberer liefern – und genau das eröffnet Chancen für Mittelständler, die ihr Recruiting im Griff haben. Was ich gerade überall sehe Qualität schlägt Quantität: Viele Teams wollen nicht mehr „mehr Bewerbungen", sondern bessere Bewerbungen. Skills-based Recruiting gewinnt: weniger „perfekter Lebenslauf", mehr „passt der Skill-Mix – und lernt die Person schnell?" KI überall: nicht nur im Bewerber-Text, sondern in Prozessen, Auswertung, Kommunikation, Terminierung. Geschwindigkeit entscheidet: Wer schnell reagiert, gewinnt. Wer trödelt, verliert – auch im Mittelstand. Spannend: In einer Übersicht zu den Recruiting Trends 2026 nennt Stepstone als Top-Priorität die Verbesserung der Bewerberqualität (79 %). Außerdem rückt Skills-based Hiring stärker in den Fokus (77 %) – mit mehr Gewicht auf Soft Skills (76 %). Quelle. Und jetzt kommt der Teil, den viele vergessen: Recruiting ist heute viel stärker Marketing und Sales. Du brauchst Reichweite, Positionierung, einen klaren Funnel – und einen Prozess, der nicht bei der ersten Bewerbung zusammenklappt. Recruiting im Mittelstand: Warum du nicht „gegen Konzerne verlierst" Der Mittelstand hat im Recruiting einen unfairen Vorteil – wenn er ihn nutzt. Konzerne haben Budget, aber oft langsame Prozesse. Mittelständler haben kurze Wege, weniger Abstimmungsschleifen und können schneller testen, nachschärfen und entscheiden. Deine größten Trümpfe (wenn du sie sichtbar machst) Tempo: Du kannst innerhalb von Tagen entscheiden, nicht in Wochen. Nähe: Direkter Draht zur Geschäftsführung, echte Verantwortung, weniger Politik. Gestaltungsspielraum: Kandidaten wollen Wirkung – und die gibt's im Mittelstand oft früher. Agilität bei KI & Tools: Du kannst neue Systeme schneller einsetzen als ein Konzern. Aber: Diese Vorteile sieht ein Kandidat nur, wenn du sie konkret machst. Nicht als „familiäres Team", sondern als echte Beispiele: kurze Entscheidungswege, Projekte, Verantwortung, Entwicklung, Flexibilität. Stellenanzeige als Landingpage: Verkaufen wie im E-Commerce Eine Stellenanzeige ist kein Amtsblatt. Sie ist ein Verkaufsdokument. Jede Anzeige muss sich anfühlen wie eine Landingpage – mit klarer Zielgruppe, klaren Benefits und einem einfachen nächsten Schritt. Recruiting nicht mehr aus der Gießkanne 2026 funktioniert Recruiting nicht mehr „one size fits all". Du musst dir pro Zielgruppe beantworten: Wo erreicht ihr diese Menschen wirklich? Welche Sprache verstehen sie – fachlich und emotional? Was ist der schnellste, niedrigschwellige Weg zur Bewerbung? Beispiel 1: Gewerbliche Rollen (Produktion, Logistik, Pflege) Hier gewinnt oft nicht die schönste Karriereseite, sondern die einfachste Bewerbung: QR-Code, Messenger, kurze Formulare, schnelle Rückmeldung. Und bitte: nicht davon ausgehen, dass jeder private E-Mails liebt. Beispiel 2: Kaufmännische Rollen & Führung Hier kannst du stärker über LinkedIn, XING, Fachportale und Inhalte punkten: Projekte, Verantwortung, Entwicklung, Führungskultur. Aber auch hier gilt: klarer Prozess und schnelle Kommunikation. Beispiel 3: Azubis & Berufseinsteiger Azubis erreichst du selten über „klassische" Kanäle. Hier zählen Mobile First, kurze Wege, schnelle Antworten – und eine Anzeige, die wie ein Social Post wirkt, nicht wie eine Betriebsanleitung. Kanäle 2026: WhatsApp, QR-Code und „da, wo die Zielgruppe ist" Der Kanal entscheidet, ob dein Recruiting überhaupt eine Chance hat. Und nein: „Wir posten auf LinkedIn" ist nicht automatisch die Lösung – genauso wenig wie „Wir schalten auf Indeed". WhatsApp Recruiting: Ja, aber bitte professionell WhatsApp kann ein extrem starker Recruiting-Kanal sein – gerade für gewerbliche Zielgruppen, Azubis oder Rollen, die unterwegs sind. Wichtig ist die saubere Umsetzung: nicht über private Handys, sondern über eine Systemlösung (Cockpit, Autoresponder, Dokumentation). So bleibt es skalierbar und datenschutzkonform – Stichwort WhatsApp Business API (Überblick). QR-Code Bewerbung: Offline trifft Online QR-Codes feiern ein Comeback. Überall dort, wo Menschen sowieso bei dir vorbeikommen, kannst du Bewerbungen anstoßen: Empfang, Werkstor, Filiale, Fahrzeuge, Monitore im Wartebereich. Ein Scan – und die Person landet direkt auf deiner Job-Landingpage. Active Sourcing: Wenn du Kandidaten nicht mehr „abwarten" willst Gerade im B2B-Sales kennst du das: Wer nur auf Inbound wartet, verliert. Im Recruiting gilt dasselbe. Active Sourcing, Empfehlungen, Talent Pools – das sind deine Outbound-Hebel. Candidate Experience: Schnelligkeit ist dein stärkster Hebel Ein Thema kommt in fast jeder Beratung wieder: Bewerbungen sind da – aber es dauert ewig, bis ein Gespräch zustande kommt. Termin-Pingpong, Fachbereich hat keine Zeit, keiner fühlt sich verantwortlich. Und währenddessen hat der Kandidat längst woanders unterschrieben. Warum Januar und Februar dein Zeitfenster sind Rund um den Jahresstart ist im Recruiting besonders viel Bewegung. Viele Menschen schauen nach den Feiertagen wieder aktiv nach neuen Optionen – und Unternehmen schalten gleichzeitig viele Stellen. Wenn du in dieser Zeit langsam bist, ist dein Recruiting-Funnel sofort verstopft. Die 3 simpelsten Prozessregeln, die sofort wirken SLA für Antworten: Jede Bewerbung bekommt innerhalb von 24–48 Stunden ein erstes Signal. Kalender-Slots: Hiring Manager blocken feste Interview-Zeiten im Voraus (ja, wirklich). Ein Ansprechpartner: Einer hat den Hut auf – Recruiting ist 2026 kein „Nebenbei-Thema" mehr. KI im Recruiting: Turbo ja – Autopilot nein KI ist 2026 ein Megatrend – auf beiden Seiten. Bewerber nutzen Tools, Unternehmen nutzen Tools. Die wichtigste Leitplanke: KI darf unterstützen, aber sie sollte nicht „allein entscheiden". Nutze KI als Co-Pilot: für Zusammenfassungen, strukturierte Einschätzungen, Textvarianten, Fragenkataloge, Terminierung – aber nicht als automatische Absage-Maschine. Gerade in Europa solltest du bei automatisierten Entscheidungen sensibel sein (DSGVO Art. 22) und bei KI in HR-Prozessen auf Human Oversight achten (EU-Rahmen: AI Act). Und weil das gerade überall hochkocht: Ich war neulich auf einem KI-Event in London. Da liefen 20 KI-Agenten parallel, jeder mit einer eigenen Aufgabe. Ergebnis: Aus 1.010 angemeldeten Teilnehmern wurden 600 echte Leads – vollautomatisch, aber mit klarer menschlicher Steuerung. Das war für mich der Reminder: KI kann Recruiting massiv beschleunigen. Nur eben nicht, wenn du sie blind laufen lässt. Praktisch: 3 Pluspunkte + 3 Punkte zum Nachfragen Ein Ansatz, den ich sehr mag: Das System liefert dir drei Punkte, die für den Kandidaten sprechen – und drei Punkte, wo du im Gespräch genauer hinschauen solltest. Das ist schnell, fair und hilft dir, skillbasiert zu entscheiden. Skill-based Recruiting statt „Keyword-Fetisch" Natürlich sollten Lebenslauf und Anzeige sprachlich zusammenpassen. Aber: Wenn du nur nach perfekten Keywords filterst, verpasst du Potenzial. Im Mittelstand ist es oft smarter, Menschen zu holen, die 70–80 Prozent abdecken – und die restlichen Skills schnell aufzubauen. Auswahl: Vergleich zur Stelle, nicht Kandidaten-Casting Ein Klassiker im Recruiting: Man bekommt Kandidaten, die zu 60–80 Prozent passen – und dann wird endlos verglichen: „Der ist besser als der andere." Ergebnis: Niemand wird eingestellt. Frust im Team. Vakanz bleibt offen. Meine Faustregel Wenn jemand die Mindestkriterien erfüllt und menschlich passt: Entscheide. Und wenn es nicht passt: Stelle nicht „irgendwen" ein, sondern schärfe die Anzeige nach (Titel, Anforderungen, Benefits, Kanal) und geh wieder raus. Jobtitel testen und nachschärfen Ein unterschätzter Hebel im Recruiting: der Titel. Suchverhalten ist oft „Keyword-getrieben". Wenn niemand nach deinem internen Jobtitel sucht, findet dich auch niemand. Teste Varianten (z.B. „Account Manager" vs. „Sales Manager", „Teamleitung Innendienst" vs. „Leitung Vertriebsinnendienst") und schau, was Bewerbungen bringt. System statt Bauchgefühl: Warum ein ATS 2026 Pflicht ist Recruiting professionalisiert sich. Cloud statt Excel, Prozess statt Chaos. Und vor allem: Recruiting darf nicht mehr die rote Laterne im Unternehmen sein – also das Thema, das „irgendwer nebenbei" mitmacht. Worauf Mittelständler achten sollten Mobile Bewerbung (auch ohne Lebenslauf-Drama) Messenger/WhatsApp-Integration + sichere Team-Inbox Multiposting & einfache Karriereseiten/Landingpages Automatisierungen (Antworten, Terminlinks, Status-Updates) Transparenz (Pipeline, Time-to-Hire, Kanal-Performance) Quick Takeaways: Das wichtigste in 60 Sekunden Recruiting 2026 ist Marketing + Sales: Zielgruppe, Funnel, Geschwindigkeit. Stellenanzeigen müssen wie Landingpages funktionieren – nicht wie Amtsdeutsch. WhatsApp & QR-Codes senken die Hürde – wenn du es professionell aufsetzt. Blocke Interview-Slots im Kalender, bevor du die Stelle veröffentlichst. Nutze KI als Co-Pilot (Scoring, Fragen, Texte), aber entscheide menschlich. Vergleiche Kandidaten zur Stelle, nicht untereinander. Ein ATS macht dich schneller, sauberer und messbar besser. Anleitung: In 7 Schritten baust du ein Recruiting-System, das 2026 wirklich Kandidaten gewinnt – ohne Chaos, ohne „wir finden niemanden"-Ausreden. Zielgruppe festnageln: Wer genau soll kommen – und warum sollte diese Person wechseln? Stellenanzeige als Landingpage bauen: klarer Nutzen, klare Aufgaben, klare nächsten Schritte. Kanäle auswählen: LinkedIn/XING für White Collar, Meta/QR/WhatsApp für Blue Collar & Azubis. Bewerbung vereinfachen: Mobile, Messenger, kurze Formulare – weniger Hürden, mehr Kontakte. Speed-SLA setzen: Erstreaktion in 24–48 Stunden, feste Interview-Slots, klare Verantwortlichkeit. KI sinnvoll einsetzen: 3 Pluspunkte + 3 Fragen, strukturierte Interviews, Textvarianten, Terminierung. Messen & nachschärfen: Time-to-Hire, Kanal-Performance, Absprungquoten – und dann testen.

Get MORE Bad Friends at our Patreon!! https://www.patreon.com/c/badfriends Thank you to our Sponsors: DraftKings, Hello Fresh, Talkspace & Shopify • Download the DraftKings Sportsbook app NOW and use code BADFRIENDS* • Hello Fresh: Go to https://HelloFresh.com/badfriends10fm to Get 10 free meals + a FREE Zwilling Knife (a $144.99 value) on your third box. • Talkspace: As a listener of this podcast, you'll get $80 off of your first month with Talkspace when you go to https://talkspace.com/word and enter the code SPACE80 • Shopify: Sign up for your $1 per month trial and start selling today at https://shopify.com/badfriends YouTube Subscribe: http://bit.ly/BadFriendsYouTube Audio Subscribe: https://apple.co/31Jsvr2 Merch: http://badfriendsmerch.com 0:00 Benjamin Button 5:00 Shock and Awe 10:00 Bobby Walks Out 15:00 Hut, Hut, Straight Up 20:00 Prison Leagues 25:00 Eating Rudolph 30:00 Fart Patio 35:00 Name Dropping 40:00 Stole My Seat 45:00 Andrew Meets Obama 50:00 Born With It 55:00 New Years Resolutions More Bobby Lee TigerBelly: https://www.youtube.com/tigerbelly Instagram: https://www.instagram.com/bobbyleelive Twitter: https://twitter.com/bobbyleelive Tickets: https://bobbylee.live More Andrew Santino Whiskey Ginger: https://www.youtube.com/andrewsantinowhiskeyginger Instagram: https://www.instagram.com/cheetosantino Twitter: https://Twitter.com/cheetosantino Tickets: http://www.andrewsantino.com More Fancy SOS VHS: https://www.youtube.com/@7equis Instagram: https://www.instagram.com/fancyb.1 More Bad Friends iTunes: https://podcasts.apple.com/us/podcast/bad-friends/id1496265971 Instagram: https://www.instagram.com/badfriendspod/ Twitter: https://twitter.com/badfriends_pod Official Website: http://badfriendspod.com/ Opening Credits and Branding: https://www.instagram.com/joseph_faria & https://www.instagram.com/jenna_sunday Credit Sequence Music: http://bit.ly/RocomMusic // https://www.instagram.com/rocom Character Design: https://www.instagram.com/jeffreymyles Bad Friends Mosaic Sign: https://www.instagram.com/tedmunzmosaicart Produced by: 7EQUIS https://www.7equis.com/ Podcast Producer: Andrés Rosende This video contains paid promotion. #bobbylee #andrewsantino #badfriends #sponsored #ad Learn more about your ad choices. Visit megaphone.fm/adchoices

For today's roundup, Hut 8 waits on approval for a 500 MW site in Illinois, MSCI keeps MSTR in indices, and Florida tries again for a strategic bitcoin reserve. Subscribe to the Blockspace newsletter! Welcome back to The Blockspace Podcast! Today, Colin and Charlie give a temperature check on bitcoin mining stats, highlighting stats that show non-monetary transactions currently account for nearly 50% of all Bitcoin transactions. We also dig into Hut 8's plans for a 500 MW data center in Illinois, the latest hiring spree at Cipher Mining, Riot's updated compensation plan as they expand into AI, and MSCI's decision to keep Strategy (MSTR) in its indices. Finally, for this week's cry corner, Florida's renewed attempt at a Strategic Bitcoin Reserve.  Subscribe to the newsletter! https://newsletter.blockspacemedia.com Notes: * Runes: 6.1M txs, 42% of volume last month * Hash price: $39/PH/day, fees near zero * Hut 8: 500MW, $4-5B site in Logan County, IL, pending zoning approval * Difficulty: 4 negative adjustments out of last 5 * Riot: Jason Chung in as CFO *Florida makes a second attempt at a strategic bitcoin reserve Timestamps 00:00 Start 02:37 Difficulty Report by Luxor 06:06 Hut 8 new data center 11:15 MSCI decision 13:26 Cipher adds Drew Armstrong, Lee Bratcher 18:07 Riot compensation changes, new CFO 22:33 Cry corner: Are SBRs back?

This episode is sponsored by BetterHelp. Go to http://betterhelp.com/super for 10% off your first month. From the very first pages of Harry Potter, Hagrid is full of mysteries — his size, his umbrella, his expulsion… but there's one moment that has quietly confused readers for decades. When Hagrid retrieves Harry from the Hut on the Rock, he claims he “flew” there.  But… how? In this video, we break down every possible way Hagrid could have reached the island, using only canon evidence from across all seven books. We examine flying motorbikes, broomsticks, Thestrals, magic carpets, Floo Powder, dragons, and even some of the wizarding world's rarest magical creatures.. This is the one Hagrid question that never gets answered on the page…  until now! Special Thanks to @jakob_henkel for this video suggestion!

For today's roundup, the Blockspace team shares their year-end 2025 rankings for bitcoin mining stocks. Click here to create your own rankings and share them with us on X by tagging @blockspace!  Subscribe to the Blockspace newsletter! Welcome back to The Mining Pod! Today, Will, Colin, and Charlie are back with another (in)famous Vibe Rankings for Bitcoin Mining Stocks. For bitcoin mining stocks, 2025 was a year defined by aggressive expansion in the AI sector, but some miners have been more fruitful with their endeavors than others. For today's roundup, the team dives into our 2025 year-end rankings for the top bitcoin mining stocks, which includes some spirited debate about who belongs in what tier – and whether or not any bitcoin mining stock earned an S rank in 2025. Subscribe to the newsletter! https://newsletter.blockspacemedia.com Timestamps: 00:00 Start 09:08 Vibe Ranking 12:39 Canaan (CAN) 16:09 Cipher Mining (CIFR) 20:55 Hive (HIVE) 26:26 American Bitcoin (ABTC) 34:31 BitFUFU (BITF) 39:04 Marathon (MARA) 44:53 Hut 8 (HUT) 49:40 Cango (CANG) 53:40 Bitfarms (BITF) 57:20 Core Scientific (CORZ) 1:02:52 Bitdeer (BTDR) 1:08:53 IREN (IREN) 1:12:53 RIOT (RIOT) 1:15:15 Terawulf (WULF)

Click here to create your own rankings and share them with us on X by tagging @blockspace!  Subscribe to the Blockspace newsletter! Welcome back to The Mining Pod! Today, Will, Colin, and Charlie are back with another (in)famous Vibe Rankings for Bitcoin Mining Stocks. For bitcoin mining stocks, 2025 was a year defined by aggressive expansion in the AI sector, but some miners have been more fruitful with their endeavors than others. For today's roundup, the team dives into our 2025 year-end rankings for the top bitcoin mining stocks, which includes some spirited debate about who belongs in what tier – and whether or not any bitcoin mining stock earned an S rank in 2025. **Notes:** Timestamps: 00:00 Start 09:08 Vibe Ranking 12:39 Canaan (CAN) 16:09 Cipher Mining (CIFR) 20:55 Hive (HIVE) 26:26 American Bitcoin (ABTC) 34:31 BitFUFU (BITF) 39:04 Marathon (MARA) 44:53 Hut 8 (HUT) 49:40 Cango (CANG) 53:40 Bitfarms (BITF) 57:20 Core Scientific (CORZ) 1:02:52 Bitdeer (BTDR) 1:08:53 IREN (IREN) 1:12:53 RIOT (RIOT) 1:15:15 Terawulf (WULF)

This week in bitcoin mining news, hiccups surface in AI site development and funding, and China crackdown on bitcoin mining in Xinjiang. Subscribe to the Blockspace newsletter! Welcome back to The Mining Pod! Today, Colin and Matt dive into reports of a bitcoin mining crackdown in Xinjiang, China, Hut 8's massive $7B hosting deal with Fluidstack, just-reported summer weather delays at Core Scientific's Denton facility for CoreWeave, and Blue Owl declining to fund a 1 GW AI site for Oracle. And to close the show, veteran crypto reporter Brady Dale, author of the Front Stage Exit newsletter, joins us to talk about a failed vote in Granbury, Texas, to incorporate a new town to expel MARA from its facility in the area. Subscribe to the newsletter! https://newsletter.blockspacemedia.com **Notes:** Notes: * ~1.3GW/100 EH of mining under pressure in Xinjiang * Hashprice under $40 per PH/s/day * Difficulty adjustment projected at -1% * Hut 8 inks $7B, 15-year hosting deal with Fluidstack * Core Weave faced 60-day construction delays over the summer at CORZ Denton site Timestamps 00:00 Start 05:44 China bans Bitcoin, again! 15:46 Hut 8 hyperscaler deal 21:49 Delays at CoreWeave Denton site 25:26 Oracle funding issues 30:21 Brady Dale goes to Texas