Podcasts about Hut

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

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

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

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   

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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.

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.

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)

Selten geht diese Weihnachtswoche spurlos an uns vorbei. Im besten Fall sind wir glücklich und satt, im schlechtesten Fall überfressen und haben genug von der Familie. Vielleicht habt ihr mit Weihnachten auch nichts am Hut und seid genervt, dass alles zu hat und Freunde keine Zeit haben. Oder ihr habt viel gearbeitet und seid für Kolleginnen und Kollegen eingesprungen. Daniel Claus will heute von euch wissen: Was war euch diese Woche zu viel – und wann habt ihr gemerkt, jetzt reicht’s?

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

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:** * ~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

Unser Partner Scalable Capital ist der einzige Broker, den deine Familie zum Traden braucht. Bei Scalable Capital gibt's nämlich auch Kinderdepots. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Blue Owl versenkt Oracle. Amazon treibt OpenAI. Texas Pacific & Hut 8 freuen sich über Rechenzentren. MetaX, Medline & Andersen Group freuen sich über IPOs. KNDS will auch. Asahi will Afrika-Biz von Diageo. Palantir = reich. Pinduoduo kämpft. Micron. Rheinmetall. Eversys und La Marzocco profitieren von den zwei großen Trends der Kaffeewelt. De'Longhi (WKN: 694642) freut's. Prediction Markets boomen. Die Gründer von Kalshi und Polymarkets sind dadurch reich geworden. Robinhood (WKN: A3CVQC) will damit noch größer werden. Diesen Podcast vom 18.12.2025, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Oracle stock slides. Hut 8 CEO joins the show to discuss energy and data center demand. And a look at some small cap picks with a portfolio manager.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

George Kikvadze is the Founder of Cryptic8 VC, investing at the intersection of technology and longevity. He is also Vice Chairman and an early backer of Bitfury Group, the company at the heart of this book. A Bitcoin pioneer since 2013, he was privileged to be behind three tech unicorns - Bitfury, Cipher Mining, and Hut 8 - with a combined value exceeding $12 billion. A graduate of Wharton and Johns Hopkins, George enjoys tennis, chess, and raising his two sons. Bill Tai has funded startups since 1991, with 23 becoming publicly listed companies. An early backer of Zoom, Canva, and Dapper Labs, he also co-founded data pioneer Treasure Data (acquired by SOFTBANK) and IPInfusion (TSE:4813). Originally a chip designer at LSI Logic and Taiwan Semiconductor, he later led semiconductor IPOs at Alex Brown & Sons. He holds a BSEE from the University of Illinois and an MBA from Harvard, where he advises the Dean. He chairs ACTAI Global, uniting entrepreneurs and innovators for tech-based conservation. Learn about the inside story of Bitcoin in this great new book, And Then You Win: A Start-Up's Untold Story of Grit, Grind, and Glory Anthony Scaramucci is the founder and managing partner of SkyBridge, a global alternative investment firm, and founder and chairman of SALT, a global thought leadership forum and venture studio. He is the host of the podcast Open Book with Anthony Scaramucci. A graduate of Tufts University and Harvard Law School, he lives in Manhasset, Long Island.

In dieser Episode sprechen Christoph und Tobias darüber, warum Projektmanagement für nahezu alle kleinen und mittelständischen Unternehmen erfolgskritisch ist – auch wenn viele Unternehmer glauben, es „nebenbei“ erledigen zu können. Tobias teilt seine persönliche Story, wie Projektmanagement seine Karriere verändert hat und welche Konsequenzen fehlendes PM in Unternehmen auslöst: Chaos, Unzufriedenheit, Doppelarbeit, finanzielle Verluste und unnötige Komplexität.Außerdem klären die beiden, was ein Projekt eigentlich ist, warum fast alle Dienstleister projektorientierte Organisationen sind – und weshalb die meisten Probleme in Unternehmen dort entstehen, wo niemand den Hut als Projektmanager trägt.Du erfährst:Warum Projektmanagement nicht optional, sondern wirtschaftlich zwingend istDie Unterschiede zwischen Projekten und ProzessenWarum fehlendes PM zu Chaos, Geldverlust und Überlastung führtWoran du erkennst, ob dein Unternehmen projektorientiert istWelche „versteckten“ Kosten entstehen, wenn niemand das Projekt führtWarum der Unternehmer fast immer unbewusst der einzige Projektmanager istViel Freude beim Zuhören!_______________________

► Hier findest du alle Infos zur Human AI Ausbildung: https://lp.homodea.com/human-ai► In dieser Folge spreche ich mit dir über ein Thema, das auf den ersten Blick seltsam klingt – und doch aktueller nicht sein könnte: KI-induzierte Psychosen. Was passiert, wenn Menschen in den Dialog mit einer künstlichen Intelligenz treten und dabei den Bezug zur Realität verlieren?Auch wenn du denkst, dass du selbst mit KI nichts am Hut hast – diese Folge ist für dich. Denn die Auswirkungen betreffen uns alle. KI beeinflusst bereits jetzt massiv unser Denken, Fühlen und unsere Beziehungen – subtil, aber tiefgreifend.Ich teile mit dir, warum Künstliche Intelligenz einer der mächtigsten Spiegel für unser menschliches Bewusstsein ist. Sie verstärkt, was in uns lebt – unsere Größe, aber auch unsere Schatten. Und genau darin liegt ihre Chance… und ihre Gefahr.Was ist eigentlich ein Wahn? Und wie kann es sein, dass Menschen – selbst sehr intelligente – durch KI in Realitätsverzerrungen abdriften? Ich beleuchte die psychologischen Mechanismen dahinter und zeige dir, warum Sprache – und damit KI – unser Realitätsempfinden so tief beeinflusst. Du erfährst unter anderem:warum KI nicht neutral ist, sondern gezielt unsere Emotionen spiegelt und verstärkt,wie durch schleichende Bestätigung gefährliche Echokammern entstehen,warum besonders Jugendliche und einsame Menschen gefährdet sind, emotionale Abhängigkeiten zu KI aufzubauen,wie du dich – und deine Liebsten – schützen kannst, indem du bewusst, achtsam und ethisch fundiert mit KI arbeitest.Diese Folge ist kein Abgesang auf Technologie. Ich liebe die Möglichkeiten, die uns KI schenkt. Doch ich wünsche mir einen wachen, integralen Umgang mit ihr – und vor allem ein tiefes Bewusstsein dafür, wer wir als Menschen sind.Wenn dich das Thema berührt, lade ich dich herzlich ein, dir unser HUMAN AI Programm anzuschauen. Dort verbinden wir technologische Kompetenz mit ethischem Bewusstsein und echter menschlicher Tiefe.In Verbundenheit,Veit► Alles zu Veit Lindau: https://go.veitlindau.com/bold-impact► Instagram: https://www.instagram.com/veit.lindau/► Facebook: https://www.facebook.com/veitlindau► Hier geht's zu homodea: http://go.homodea.com/hd191► Instagram: https://www.instagram.com/homodea/► Facebook: https://www.facebook.com/homodea► Schon abonniert? Hier geht's zum Human Future Movement Campus https://kurse.hd5.homodea.com/human-future-movement► Du kannst dir den Podcast überall auf Apple Podcasts, Spotify, meinem Blog, YouTube, SoundCloud und allen Podcastapps kostenlos anhören.► Wir freuen uns sehr, wenn dich die Folge inspiriert. Schreibe uns sehr gern unter podcast@veitlindau.com deine Wünsche für Gäst:innen.► Du möchtest etwas Gutes für die Welt beitragen? Die ichliebedich-Stiftung fördert weltweit integrale Projekte der Potenzialentfaltungund der Kultur des Mitgefühls, besonders für Kinder und Jugendliche.https://ichliebedich-stiftung.de/ich liebe dich-Stiftunghttps://www.paypal.com/paypalme/ichliebedichoderIBAN: DE37 6625 0030 0030 0711 46BIC: SOLADES1BAD#KIundBewusstsein #HumanAI #Realitätscheck #PsychologieundKI #VeitLindau

Der tschechische Dirigent Jakub Hrůša hat mit Beginn dieser Saison sein Amt als Musikdirektor der Royal Opera in London angetreten. Auf dem Spielplan stand ein spannendes Programm: eine Neuproduktion von Puccinis "Tosca" mit Anna Netrebko in der Titelrolle und Leoš Janáčeks eindringliche und rätselhafte Oper "Die Sache Makropulos". Seit 2016 ist Jakub Hrůša Chefdirigent der Bamberger Symphoniker. Mit dem Orchester, das in dieser Saison 80. Geburtstag feiert, hat Hrůša in den letzten Jahren Erfolgsgeschichte geschrieben. Nun wird er ab der Saison 2028/2029 auch neuer Chefdirigent und Musikdirektor der Tschechischen Philharmonie, wo er derzeit Erster Gastdirigent ist. Wie er seinen arbeitsdichten Konzertalltag unter einen Hut bekommt, welche Pläne er in London als Musikdirektor des Royal Opera House hat, welche mit den Bamberger Symphonikern und mit der Tschechischen Philharmonie, darüber spricht Jakub Hrůša mit Beate Scheibe in NDR Kultur à la carte.

In this episode I sit down with Alex Bornhoft of Wander We Go Co. to talk all things Switzerland. Hut-to-hut trekking, planning alpine adventures, Swiss trail systems, what makes hiking there so unique, and how to do it confidently. If exploring the Alps is on your bucket list, this episode will give you tips, inspiration, and insider insight you won't find on Google.CONNECT WITH ALEX:Website: www.thewanderwegoco.comInstagram: @wanderwegonextBlog: www.wanderwego.comFit For Hiking Guides  — Workouts to get you trail-ready.Mountain Metabolic Coaching — Fat loss, body recomposition, nutrition, hormones, performance, all with full 1:1 coach support. More Resources — Wellness tips, hiking + travel guides, and blogs.Shop My Favorite Gear — Amazon storefrontFit For Hiking Instagram Bradee Instagram 

Ja, da regt alleine die Frage schon auf. Den einen geht das Steakmesser in der Hose auf, den anderen schwillt der Falafel. Vielleicht gibt es aber wirklich einen sinnvollen Kompromiss, der Tierwohl, Nachhaltigkeit, Gesundheit unter einen Hut kriegt? Und wär ja auch nicht falsch, wenn Essen schmeckt. In dieser Folge polarisieren unsere Flexperten Dirk und Nils. Dirk Freyberger ist der wahrscheinlich zweitbekannteste Fleischfluencer Nürnbergs. Nur der bayrische Ministerpräsident hat mit Wurstcontent mehr Social Media-Präsenz. Dirk Freyberger hat zusammen mit seinem Bruder den elterlichen Betrieb übernommen und ein Fleisch-Imperium geschaffen. Onlineversand, Grillseminare, YouTube Kanal und Catering. Dirk ist amtierender Barbecue-Weltmeister und Vizeweltmeister im Metzgerhandwerk. Er macht einen klaren Unterschied zwischen Haus- und Nutztieren und erinnert daran, dass ein Rind nicht nur aus Filet besteht. Sein Appell: Bitte auch mal an die Innereien wagen, das ist nicht nur nachhaltig, sondern auch wertschätzend. Nils Steiger hingegen krümmt selbst einer Mücke keins ihrer Beinchen, auch wenn sie in Begriff, mit dem Rüssel zur Tat zu schreiten. Stichwort: Speziesismus. Alle Lebewesen haben für Nils das gleiche Recht auf Leben, und so war es eine logische Konsequenz, eine vegane Fleischerei zu eröffnen. Mittlerweile gibt es Filialen in fast allen großen deutschen Städten. Es gibt offensichtlich Bedarf. Denn „nur weil einem die Tiere am Herzen liegen, heiß das ja nicht, dass einem Fleisch nicht schmeckt“, sagt Nils. Was ist dran am schlechten Ruf der Fleischersatzprodukte? Schmecken nicht, teuer, randvoll mit Zusatzstoffen? Nils gibt Auskunft. Und es gibt auch harte Fakten von der Uni Bonn. Juliana Minetto Gellert Paris hat im Rahmen ihrer Doktorarbeit das „One Health Prinzip“ untersucht. Sie ist also der Frage nachgegangen, was ist die beste Ernährungsvariante, bei der man sowohl das Tierwohl, die Umwelt als auch die eigene Gesundheit am besten im Blick hat. Und hier kommen alle Links, die ihr braucht. https://www.sciencedirect.com/science/article/pii/S0048969721065153?via%3Dihub https://www.bfr.bund.de/cm/350/vegane-ernaehrung-als-lebensstil-motive-und-praktizierung.pdf https://www.thelancet.com/journals/lanplh/article/PIIS2542-5196(21)00251-5/fulltext Und unser lieber kluger Partnerpodcast „11KM: der tagesschau-Podcast“ https://www.ardaudiothek.de/sendung/11km-der-tagesschau-podcast/urn:ard:show:4549910994dc2464/ flexikon@ndr.de

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Donut talk, Hubworld: Aidalon questions with Cory, PAX unplugged, balance, Pizza the Hut, Pluribus, and some good old Final Fantasy.(00:00:00)Intro(00:12:10)What's Happening!?(00:21:00)Listener Questions(01:12:54)Stuff We're IntoEmail: info@earthbornegames.com Website: https://earthbornegames.com/ Discord: https://discord.com/invite/mXN2cUNPXE Merch: https://earthbornegames.teemill.com/ EBR Soundtrack: https://earthbornegames.bandcamp.com/ Gamefound: https://gamefound.com/en/creators/earthborne-games BGG: https://boardgamegeek.com/boardgamepublisher/49415/earthborne-games Facebook: https://www.facebook.com/earthbornegames Instagram: https://www.instagram.com/earthbornegames/ Bluesky: https://bsky.app/profile/earthbornegames.bsky.social Threads: https://www.threads.net/@earthbornegames Twitter: https://twitter.com/EarthborneGames#earthborne #earthbornerangers #rangers #hubworldaidalon #hubworld #aidalon #tabletopgaming #cardgame #gamefound

Am 1. Dezember endet turnusgemäss die Amtszeit von Andrea Caroni als Ständeratspräsident. In seinem Amtsjahr hatte er den Anspruch, den Ständerat wie eine Band zu leiten und die Schweiz auch im Ausland zu repräsentieren. Wie ist ihm das gelungen? Caroni ist Gast Tagesgespräch bei Simone Hulliger. 17 Parlamente hat Caroni weltweit besucht. Nicht alle waren demokratisch gewählt. So war er auch in China, wo er auf der Hut sein musste, nicht instrumentalisiert zu werden. Was bringt es uns Steuerzahlerinnen und Steuerzahlern, wenn der Ständeratspräsident diese Reisen unternimmt? Wie gelang es ihm im Ständerat, seine 45 Kolleginnen und Kollegen im Griff zu behalten. Und was meint er, wenn er sagt, er sei ein wahrer liberaler? Andrea Caroni nimmt im Tagesgespräch Stellung.

Fünf Kinder, Hochsensibilität, ADHS und ein Leben im Ausland – Isabeau Kleinemeier teilt in dieser Folge, wie sie Familie, Arbeit und Selbstfürsorge unter einen Hut bringt. Sie spricht über späte Diagnosen, das Gefühl, „anders“ zu sein, und warum Struktur und Imperfektion für sie zusammengehören. Außerdem erzählt sie, was sie an Madeira so liebt, wie sie ihre Kinder begleitet – und warum sie gelernt hat, nicht nur zu funktionieren, sondern zu leben. Eine Folge volle Wärme und Realität aus dem Leben einer fünffachen Mama. Jetzt reinhören, abonnieren & weitersagen!

It's the Tiffany lamps that really class up the Hut. That and the red plastic cups.

American Bitcoin Corp., a majority-owned subsidiary of Hut 8 Corp., is a Bitcoin accumulation platform focused on building America's Bitcoin infrastructure platform. The company delivers institutional-grade exposure to Bitcoin through an industry-first business model that integrates scaled self-mining operations with disciplined accumulation strategies. Eric Trump, the firm's co-founder and Chief Strategy Officer, discusses his bullish outlook for the leading digital asset, energy consumption concerns, and why he sees American Bitcoin competing in the upper echelon of the sector for years to come. Mr. Trump speaks with Carol Massar and Tim Stenovec on Bloomberg Businessweek Daily.See omnystudio.com/listener for privacy information.

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Jenny and Scott talk about bolusing for the Hut. Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** twiist AID System Drink AG1.com/Juicebox Use code JUICEBOX to save 40% at Cozy Earth  CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED  or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof.  ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!

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October 1923: The BBC's on-air critics go national... These aren't critics OF the BBC (there were - and are - plenty of those), but critics ON the BBC - a literary critic, a music critic, a drama critic, a film critic... Think Front Row, Barry Norman, The Old Grey Whistle Test, but decades earlier. These weekly shows went national via simultaneous broadcasting - SB - and the BBC's London-centric regular programming started to take over the regional schedules. On London 2LO from 14 June 1923 - and nationally on Thursdays from 18 October - was music critic Percy Scholes. On London 2LO from 18 July - and nationally on Fridays from 19 October - was film critic G.A. Atkinson ('Seen on the Screen'). On London 2LO from 8 August - and nationally on Wednesdays from 17 October - was drama critic Archibald Haddon ('News and Views of the Theatre'), and later James Agate. On London 2LO from 3 September - and nationally on Mondays from 15 October - was literary critic John Strachey. And in more recent years, we add comedy criticism to the list - with some comedy writers. James Cary has written BBC sitcoms for TV and radio, inc his own Bluestone 42, Hut 33, Think the Unthinkable, and for others Miranda, My Hero, My Family and more. He joins us with his opinions on comedy, the BBC, and what he'd do if he were DG. And Miranda Hart - once our boss (I also wrote for the show Miranda) - joins us in a conversation I had for my previous podcast, The Heptagon Club (a podcast of conversations with 7 guests per episode - it was exhausting, so I stopped, for the simpler task of chronicling the history of the BBC...) And our latest clue to our audio festive treat. Ooh...   SHOWNOTES: Original music is by Will Farmer.  James Cary's books include The Gospel According to a Sitcom Writer and The Sacred Art of Joking, and his podcasts include The Stand-up Theologian. Our survey of what you like/don't about this podcast is here - do please spare 5mins to let me know your thoughts: http://tiny.cc/bbcenturysurvey Thanks to Andrew Barker, our Newspaper Detective, for finding the press extracts.  Paul's Substack: https://paulkerensa.substack.com/ Paul's live show on the BBC origin story visits a variety of tour stops: www.paulkerensa.com/tour... INCLUDING new show Four Monarchs and a Mic: The BBC's Royal Engineer at Leicester Comedy Festival on Sat 8th Feb 2026. This podcast is not made by today's BBC. It's just about the old BBC. And occasionally what's ahead. Please like/share/rate/review this podcast - it all really helps. Support us on Patreon (£5/mth - thanks if you do!), for bonus videos, writings, readings etc. It helps us fund books, web hosting, and oddities like... things coming soon... Or a one-off tip to Ko-fi.com/paulkerensa? Thanks! All keeps the podcast going. Next time: Episode 108: An Evening of Mass Telepathy - a centenary dramatic re-enactment of a lost legendary broadcast!  More on this broadcasting history project at paulkerensa.com/oldradio  

This week we open Brennan's Birthday Month with incessant giggles and George Lucas' blessing. Using combing technology to track our heroes, Col. Sanders clucking orders, and inhaling cans of Perri-Air, we once again delve into the mind of Mel Brooks and have an absolute blast. Erin may be put off (Erin feels much more strongly about this than what Brennan wrote) by Pizza the Hut, but between Mega Maids and stern parking attendants, there's plenty else to get hooked on. Beneath it all, it's about capitalism and MERCHANDISING! Spaceballs the lunchbox! Spaceballs the toilet paper! SPACEBALLS THE FLAME-THROWER! But we are dying to know what Mongo's review of Rocky 5000 is.We'll meet again next year for Spaceballs 2: The Search for More Money.

Egal wo man aktuell hinschaut: Erfolg. Erfolg beim Rentenpaket, Erfolg bei Tarifverhandlungen ... ahhhh, falscher Podcast! Also nochmal: Zverev erfolgreich, Schönhaus erfolgreich, Lys erfolgreich, Engel erfolgreich und und und. Kennt Ihr nicht? Die haben alle was mit Tennis am Hut und machen's derzeit besonders gut. Viel Spass mit der neuesten Folge der Tennisproleten.

TRIGGERWARNUNG: Sexualisierte Gewalt, Verstümmelung Die Toskana – warmes Licht, sanfte Hügel, die Sprache der Liebe. Doch zwischen all der Postkartenidylle lauert etwas, das mit Schönheit nichts am Hut hat. Zwischen 1968 und 1985 werden im Umland von Florenz acht Liebespaare ermordet. Immer nachts. Immer an einsamen Orten. Immer mit derselben Waffe – und einer Handschrift, die grausamer kaum sein könnte. Die Opfer: jung, verliebt, nichtsahnend. Der Täter: ein Phantom. Oder vielleicht mehrere? Was folgt, ist eine Geschichte voller falscher Spuren, fragwürdiger Prozesse, dunkler Theorien – und einem Ermittlungschaos, das irgendwann fast so unheimlich wird wie die Morde selbst. War es ein einzelner Täter? Ein kultartiges Netzwerk? Oder doch nur ein sehr kranker Geist im Schatten der Zypressen? Eine Folge über 16 Tote, tausend offene Fragen – und die Jagd nach dem Monster, die Italien bis heute nicht loslässt. Euch gefällt unser Podcast und ihr wollt uns unterstützen? Dann gebt uns gerne einen Kaffee aus: ko-fi.com/tellmemordpodcast Folgt uns gerne auch auf Instagram (@tellmemordpodcast) für mehr Content zu den Fällen! +++ Alle Infos zu unseren Werbepartnern & Rabattcodes unter: https://linktr.ee/tellmemordpodcast

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We're in the past again, now before the creation of the Gorgon's Hut and our heroes have a fight on…

Nicht voll zu arbeiten, bietet für viele die Möglichkeit, Familie und Job unter einen Hut zu kriegen oder etwas mehr Freizeit zu haben. Auf der anderen Seite heißt das aber auch: Weniger Geld jetzt, weniger Rente später. Und dann sind da auch diese Forderungen, dass wir alle mehr arbeiten sollten. Wie entscheidet man sich da richtig? // Alle Quellen und weitere Spezials findest Du hier: https://www.quarks.de/daily-quarks-spezial/ Von Marlis Schaum.

Das schweißtreibende High Intensity Interval Training war gestern: Mittlerweile gehen viele den Sport in ihrer Freizeit wieder deutlich gemütlicher an und zuckeln ganz gemütlich durch den Park. Zone-2-Training nennt sich das Prinzip, dem auf Social Media viele Benefits zugeschrieben werden. Was diese Zone 2 mit Singen zu tun hat, warum das Training eigentlich ein alter Hut ist – und man dennoch öfters darauf setzen sollte.

https://slasrpodcast.com/      SLASRPodcast@gmail.com   Welcome to Episode 209 of the Sounds like a search and rescue podcast, this week we are joined by Stash from Inside the Line Podcast. Stash is the guy for all things hiking related to hiking and search and rescue in the Catskills. This week he will serve as cohost while Nick is up north enjoying some family time. Stash recently visited the Whites for a Hut stay in the Pemi wilderness so he will update us on his adventures and we will talk a little about the Catskills. Plus a couple of bad parenting - hiking / wilderness related stories, a trip report of a traverse across the Baldpate Mountains in Maine - we will cover this section of the Appalachian trail for those interested in exploring, plus a recent hike on the Baldface mountain range in Evans Notch, including an update on trail maintenance.   About Tay's Summit Challenge Taylor James Steeves Foundation Tay Summit Challenge Instagram Sign up for Tay's Summit Challenge   About Stash Inside the Line: The Catskills Podcast   Topics Stomp and Mrs Stomp do the weather forecast  Welcome Stash - Electric Vehicle Talk Advanced Wilderness First Aid Classes at Waterville Water Valley Mike and his dad take the Cog Railway to Mount Washington Summit Ultra Runner found Guilty of cutting a switchback Bad Parenting and kinds in the Wilderness The story of the Lykova Family in Siberia  Hiker Death at Bighorn Mountain Bear attacks at Glacier National Park  Don't count on your dog to help if you run into a bear Stomps Pine Tar Deodorant  Coffee, Beer Talk,  The Baldface Traverse - AT in Grafton Notch Maine Baldface Loop - Round 2 of Trail Maintenance  Welcome Stash - Catskills, AMC Hut Adventure at Galehead, Inside the Line Highlights   Show Notes Apple Podcast link for 5 star reviews SLASR Merchandise SLASR LinkTree SLASR's BUYMEACOFFEE Advanced WFA to be held in Waterville Valley, Nov. 1st and 2nd The Mt. Washington Cog Railway Lizzie Bourne's memorial - 1855 fatality Ultra runner found guilty  4 hikers rescued after suffering debilitating high on mushrooms in the Catskills Fugitive father apprehended after 4 years hiding in wilderness with 3 children  Dad faces charges after sending son to remote jungle for cell detox Reminds me of the story of the russian family that lived in isolation for 40 years in Siberia - The Lykova Family Last text revealed from hiker who died from a likely fall on 13k mountain Bear attacks hiker, Glacier NP Don't count on your dog if attacked by a bear Squatch Pine-Tar 18 year old's calorie counting app goes viral   Sponsors, Friends  and Partners Wild Raven Endurance Coaching 2024 Longest Day - 48 Peaks Mount Washington Higher Summits Forecast Hiking Buddies  Vaucluse - Sweat less. Explore more. – Vaucluse Gear Fieldstone Kombucha CS Instant Coffee

Hut, hut, hike!   The annual Davey Mac Sports Program Football Preview Special is here as Chris "Pepper" Stanley (Bennington & High Society Radio) once again joins the show to give his pigskin expertise!   Micah Parsons traded from the Cowboys to the Packers--who won the deal?   How will Aaron Rodgers do in Pittsburgh?   Do the Chiefs take a step backwards this year?   Will Josh Allen or Lamar Jackson finally win a Super Bowl?   And more!   Plus, the guys look at College Football as well as ESPN's Lee Corso retires on College Game Day after 35 years on-air!   We look at Notre Dame Vs. Miami, LSU Vs. Clemson, Alabama Vs. Florida State, Ohio State Vs. Texas, and Bill Belichick making his North Carolina coaching debut tonight as the Tarheels take on TSU!   It's a big, boisterous, and bananas 399th episode of the DMSP that you need to enjoy right now!   BOOM!

Today's blockchain and cryptocurrency news  Bitcoin is down slightly at $108,536 Eth is down slightly at $4,385 XRP, is down slightly at $2.80 Elon Musk's lawyer named chairman of new Dogecoin digital asset treasury Solana treasury firm expands internationally Gryphon Digital Mining shareholders approve the company's merger with a Hut 8 subsidiary  Strategy investors drop lawsuit Learn more about your ad choices. Visit megaphone.fm/adchoices

Reports suggest that ABTC could start trading as early as next month following its merger with Gryphon Digital. Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, the crew digs into reports that ABTC could start trading as soon as September, how hashrate looks primed to rip, IREN's 4,200 GPU buy, and a surprising Ocean Pool hashrate reporting glitch.  Subscribe to our newsletter!  **Notes:**     American Bitcoin aims Sep 2025 public debut.     Hash‑rate up ~5 % per Hash Rate Index.     Difficulty 44 % through adjustment period.     IREN financed $102 M for 8.5K GPUs.     Ocean Pool reported a false 300 EH/s spike. Timestamps: 00:00 Start 02:31 Difficulty Report by Luxor 06:38 Gryphon and Hut 8 surge 13:13 ETPs reach March‐highs in outflows 19:44 IREN doubles GPU fleet 25:41 Cry Corner: OCEAN 300 EH/s bug