Podcasts about illustrates

Former Georgia Governor Nathan Deal drew national attention in 2016 when he vetoed a religious liberty bill that opponents said would lead to discrimination against LGBTQ people. When a similar measure passed again this year, Governor Brian Kemp quickly signed it into law. On this week’s episode of “Plugged In,” hosts Sam Gringlas and Rahul Bali discuss what’s changed over the past decade with WABE's Patrick Saunders, who has been leading WABE’s annual Beyond Pride series, which takes a close look at LGBTQ issues in Georgia. Plus, Georgia Republicans and Democrats are charting the future of their parties as state lawmakers grapple with a heated political climate following the assassination of Minnesota state Rep. Melissa Hortman and her husband.See omnystudio.com/listener for privacy information.

Former Georgia Governor Nathan Deal drew national attention in 2016 when he vetoed a religious liberty bill that opponents said would lead to discrimination against LGBTQ people. When a similar measure passed again this year, Governor Brian Kemp quickly signed it into law. On this week’s episode of “Plugged In,” hosts Sam Gringlas and Rahul Bali discuss what’s changed over the past decade with WABE's Patrick Saunders, who has been leading WABE’s annual Beyond Pride series, which takes a close look at LGBTQ issues in Georgia. Plus, Georgia Republicans and Democrats are charting the future of their parties as state lawmakers grapple with a heated political climate following the assassination of Minnesota state Rep. Melissa Hortman and her husband.See omnystudio.com/listener for privacy information.

Aaron McIntire highlights the U.S. Army's stunning success in meeting its 2025 recruiting goal of 61,000 soldiers four months early, a turnaround from 2022-2023 shortfalls. Defense Secretary Pete Hegseth credits a morale shift under President Trump's “America First” leadership, emphasizing war-fighting over “politically correct garbage,” boosting enthusiasm across all military branches. McIntire reflects on a heartfelt Iowa National Guard send-off ceremony, noting the sacrifices of “salt of the earth” Americans, but questions U.S. Middle East involvement. A federal judge approves the House settlement, allowing colleges to pay athletes up to $20.5 million annually, ending the amateur model and sparking debate over walk-on athletes and stability in college sports. McIntire criticizes the NCAA's greed-driven history, doubting the settlement will stabilize athletics. In Los Angeles, immigration riots reveal deep polarization: Vice President J.D. Vance questions if foreign nationals assaulting police constitute an “invasion,” while 40% of L.A. residents are foreign-born. Governor Gavin Newsom calls deploying Marines “deranged,” and the LAPD labels violent protests “peaceful.” McIntire argues this reflects irreconcilable ideological divides. Apple's Worldwide Developers Conference unveils “Liquid Glass,” a new iOS 26 interface, but McIntire slams it as a superficial “coat of paint” from a stagnant tech giant lagging in AI. A poll on planned June 14 protests predicts “America on Fire” (33.1%), with headlines likely to frame Trump as tyrannical, ignoring reality. A mix of patriotism, cultural shifts, and societal fractures.   U.S. Army recruiting, Pete Hegseth, Trump administration, Middle East deployment, college sports, House settlement, NCAA, Los Angeles riots, J.D. Vance, Gavin Newsom, LAPD, polarization, Apple, Liquid Glass, AI innovation, protest poll

June 15, 2025 Speaker: Pastor Peter Carlson http://www.hiawathachurch.com Got a question about the sermon or anything else? Email us at sermons@hiawathachurch.com

We remember Sarah Milgrim and Yaron Lischinsky through the voices of those who knew them. Hear about Sarah's peacebuilding in Morocco and Yaron's diplomatic efforts to forge stronger ties between Israel and its neighbors. Both were members of the Israeli diplomatic corps and AJC's extended family. They were tragically murdered after leaving an AJC event in Washington, D.C. Dr. Dana Walker, the director of AJC ACCESS, the young professional program that hosted the reception, shares memories of traveling with Sarah to Morocco last fall as part of the Michael Sachs Fellowship for Emerging Leaders, organized by AJC and the Mimouna Association.  Then, Benjamin Rogers, AJC's Director for Middle East and North Africa Initiatives, reflects on his conversations with Yaron, who held a parallel diplomatic portfolio at the Israeli Embassy. Benjy and Yaron spoke quite often about their diplomatic work and the importance of Israel's relationship with its neighbors. Benjy recalls their last exchange, just moments before Yaron was gunned down. Resources: What To Know About The Murder of Sarah Milgrim z"l and Yaron Lischinsky z"l in Washington, D.C. Listen – AJC Podcasts: The Forgotten Exodus: Untold stories of Jews who left or were driven from Arab nations and Iran People of the Pod:  Latest Episode: AJC's CEO Ted Deutch: Messages That Moved Me After the D.C. Tragedy Follow People of the Pod on your favorite podcast app, and learn more at AJC.org/PeopleofthePod You can reach us at: peopleofthepod@ajc.org If you've appreciated this episode, please be sure to tell your friends, and rate and review us on Apple Podcasts or Spotify. Transcript of the Interview: Manya Brachear Pashman:   American Jewish Committee and Jews around the world have been left completely shaken by the devastating events in Washington, D.C., where two members of the Israeli diplomatic community and AJC's community—Sarah Milgrim  and Yaron Lishinsky were brutally murdered after leaving an AJC reception.  Last week, AJC CEO Ted Deutch returned from Sarah's funeral in Kansas City to share what he's learned about Sarah and Yaron. He also shared how graciously people have reached out to express their support, including families of Israeli hostages.  This week, to remember Sarah and Yaron, we invited two AJC colleagues who knew them personally to help us remember.  Dana Levinson Walker is the director of AJC ACCESS, the program for young Jewish professionals. In that role, she traveled to Morocco with Sarah and two dozen other young bridge builders as part of the Michael Sachs Fellowship for Emerging Leaders organized by AJC and the Mimouna Association. Dana is with us now to share her memories. Dana, thank you for being here.  Can you please tell us about that trip last fall? Dana Walker:   I had the privilege of traveling with Sarah and 25 other young professionals and staff from the US, Israel, Morocco and France. And it was an extraordinary seven days. We traveled to six different cities in seven days. Normally, we backend an Israel trip as a part of this delegation. But due to some geopolitical issues happening in the region, we made a decision to just go to Morocco at that time, and then we were going to go to Israel later. And we are indeed scheduled to go to Israel in September of 2025.  It was an extraordinary experience for all different kinds of reasons. I think that the environment that we were walking into in Morocco was not only an embracing one, but it was also a challenging one. The day that we arrived in Morocco was the day we found out that the six hostages had been murdered in Gaza, and it was an incredibly painful moment for the Jewish participants, many of whom had a connection to the hostages or their families. And especially for someone like Sarah, who worked at the embassy, it felt really personal, because she had been advocating, of course, for their release, but also had just been a voice for many of them. And it was deeply devastating.  But the trip could have taken a really depressing and sad turn, and in reality, it actually took an incredible turn where I've often told people that it wasn't necessarily the trip we planned for, but it was the trip we needed. In that it really fostered and created a family that is bound together now for life. They wept together, they laughed together.  And I think what was so powerful is that it was Sarah's first time in Morocco, and she really just had this look of awe most of the time we were there. It was a look of deep reflection, a look of kind of taking it all in. We have really amazing photos of her, where she's just kind of looking very ethereal and like looking up in awe walking around the kind of old city of Marrakesh and things like that. And she was an incredible addition to our trip. She was a calming figure, a grounding figure.  She spent a lot of late nights with the folks, just talking on the bus, talking by the pool. I know that on the last night of our trip in Marrakech, she and a couple of other participants, Israelis and Moroccans and Americans, were up until 5:30 in the morning just talking about life and their ambitions and their goals and just understanding one another by the pool for hours and hours and hours. And Sarah was one of the people in that conversation.  Manya Brachear Pashman:   Can you share what perspectives she added to the conversations? What did she contribute? And also, if you know anything about those ambitions and life goals that she shared with others. Dana Walker:   Sarah was really passionate about the environment. She was really passionate about sustainability. She loved her dog. She was really passionate about animals, and specifically dogs. I remember one of the things that we were talking about when she was preparing to go on the trip, and we had to kind of navigate when we were going and if we were still going, because of the geopolitics of the region, and she was really concerned about boarding her dog. It's just so clear that she cares so much about everyone in her life, and especially in this case, her dog, who was a really focal part of her heart.  You know, she studied agriculture and sustainability, primarily sustainability. She was really interested in leaving the world a better place than she found it.  And when we were going through the acceptance process for the Sachs Fellowship, we had a ton of applicants. And I think really what drew us to Sarah's application was that she was someone who was literally about to start her job at the embassy. We decided to put her in the agriculture and sustainability track because that's what she cared about. She was really passionate about finding sustainable solutions, especially in the region, because the region is growing hotter with each kind of succeeding year. Food and water security is becoming a challenge.  Although, you know, after she started her role at the embassy, she really was doing a little bit of everything, but one of the key features that she worked on was working with survivors who had experienced gender and sexual based violence after October 7, and we couldn't really fathom anyone being more suited to do that work because of her gentle and calm and compassionate, assuring disposition.  So she was ambitious in that she had a lot of big dreams for the future, about what she wanted to do, and she was really figuring out what was going to come next for her. The diplomat's life is never easy, especially in these incredibly uncertain and overwhelming times after October 7, and she and Yaron were planning a future, and they were really figuring out what was coming next for them.  Manya Brachear Pashman:   Was that trip to Morocco the only time you spent with Sarah?  Dana Walker:   I met her in person for the first time at last year's AJC Young Diplomats reception, where we focused on talking about regional integration, which was something she was really passionate about. She was with her other embassy friends and colleagues, and it was great to meet her, because I knew I was going to be traveling with her in the fall.  So it was great to meet her in person. And then I saw her a few more times in DC over the course of our year, getting to know her. And then the last time I saw her was at the AJC Global Forum in April of just this year. Manya Brachear Pashman:   The Sachs Fellowship is named in memory of Michael Sachs. He was someone who dedicated his life to promoting Arab-Israeli engagement. We've heard a lot of people talk about Sarah's commitment to that as well. How could you tell? Is there a moment in your mind that stands out? Illustrates her belief that interfaith, intercultural engagement could and should happen? Dana Walker:   I believe in Essaouira–I believe that's where we were–and they had given us the option that we could either go around the souq and do a little bit of shopping, or we could go to a mosque and participate in an opportunity with this incredible singer and spiritual leader. And there were a few of us who said, Okay, we're gonna go. And Sarah was one of them, and she came with me and with the others. And it was so extraordinary, not only the experience of being in the mosque and hearing this unbelievable. Whole singing and just being kind of enveloped in this like spiritual warmth, which was just so wonderful.  But she could have gone shopping, and she chose to go to the mosque, and she chose to put herself out there and experience something that she would likely not get to experience again, in this kind of environment. She really took advantage of it. She was really eager to learn.  In order to be a peace builder, in order to be someone who can really transform hearts and minds, you have to understand the people that you're working with, and she really took advantage of that in the best way possible. I have some really great photos and videos of us in the mosque. And of course, they have this amazing tea ceremony. So the spiritual leader of the mosque had this really, really, really cute child who must have been maybe four or something. And, you know, hospitality is one of the pillars of Moroccan society, and everybody always does kind of the double cheek kiss.  And the spiritual leader wanted to make sure that his child went around and gave everybody these little kisses. And I remember Sarah, and I were like, Oh my God, this kid is so cute and so well behaved. Like, I can't believe it. So he came over and gave us these little you know, these little bissou or, you know, whatever, the cheek kisses. And we were just melting. He was so adorable.  Manya Brachear Pashman:   It sounds like you were met with so much warmth and kindness in Morocco. As you said, it was what it was the trip you needed. And it sounds like she didn't hesitate to immerse herself, to really engage with that, that kind of cross-cultural experience. Do you know of any examples of when she engaged with a not-so friendly crowd? Dana Walker:   One of the things that Sarah talked a lot about on the trip, and I know that my ACCESS leader and friend Laura mentioned this at the vigil yesterday is that, after Sarah started working for the embassy, a lot of her friends from graduate school and other places were really unkind to her and were really, really awful to her about her decision to work for the Israeli embassy. And in many cases, they stopped talking to her, they blocked her, they cropped her out of photos, they excluded her, and that was the kind of hostility she was facing. So I think what's really telling is that the people who love her and embrace her so much include Moroccan Muslims who saw her for the kind of person that she was. Which was this extraordinarily warm and caring and kind and compassionate person, but also someone who had a vision for securing a better future for everyone in the region, regardless of whether they were Jewish or Muslim, regardless of whether they were Israeli or Palestinian or Moroccan. Manya Brachear Pashman:   Did she ever talk about how she handled those broken friendships?  Dana Walker:   I think they were just really painful for her. I think they were really hard. I think she found a lot of comfort in hearing from the other Americans on the trip who had also lost friendships and relationships and relationships after October 7. It was a very common refrain from a lot of the participants that some of their coworkers or long friendships, relationships, even with family, had been fractured or damaged or kind of beyond a place of repair.  And I think in many ways, not misery loves company, but you know, she was surrounded by others who understood her experience and vice versa. That they all could appreciate, because they had all been through it in some way or another. So her experience was a familiar one, unfortunately, and a familiar one for many American Jews. So I think she took comfort in knowing that other people on the trip were experiencing similar things. Manya Brachear Pashman:   So Dana, how are you finding any glimmers of hope going forward, after that evening? Dana Walker:   You know, I . . . in my almost seven years of working at AJC, which is a long time, I think at this point, have discovered that the key to keep doing what we do is looking at our work through a glass, half full lens, because If we don't, it's just exhausting and debilitating. And I what gives me hope is knowing that even in her last sort of moments, that she was fulfilling her desire to be a glass half full person. She had vision for how to support a sustainable region, how to deeply invest in her relationships with her colleagues and friends across many nations and many backgrounds.  And I urge others to try and embody that sense of optimism and glass half full approach, because the person who perpetrated this brutal act sought to destroy the work, and the only way forward is to amplify it and double down on it. So that's the hope that I get out of this experience. Is just knowing that we owe it to Sarah and to Yaron to keep amplifying their vision for what was possible. Manya Brachear Pashman:   Sadly, Sarah is not the first Sachs Fellow that the current cohort lost this past year. At AJC Global Forum in New York in April, AJC honored Laziza Dalil, a co-founder of Mimouna Association. She was a Moroccan Muslim who dedicated her life to repairing Arab Israeli relations. She posthumously received the Ofir Libshtein Bridge Builder Award at Global Forum. Dana, how are you and the Sachs Fellows doing through what I can only imagine has been a difficult time? Dana Walker:   It just all seems so unfair. Deeply unfair and deeply painful. That two of the best and brightest were taken from us. Were stolen from us, really. And it's something that we are grappling with. We're still processing. We're still dealing with it. I think what has been tremendously helpful is that we are grieving as a family.  We are grieving as a group of not Moroccans or Israelis or Americans or French people, but as a collection of people who by fate and circumstance, are now bound to each other forever by both the trauma and the joys of what we've experienced as a community in service of trying to make the world a better place. And it's hard. But we are going to keep going because of it. Manya Brachear Pashman:   If only that shared sense of grief was as powerful in the region. Dana, thank you so much.  Dana Walker:   Thank you, Manya.  Manya Brachear Pashman:  As AJC's Director for Middle East and North Africa Initiatives, Benjamin Rogers handles the Middle East portfolio for American Jewish Committee. The same portfolio that Yaron Lischinsky handled for the Israeli Embassy.  Benjy and Yaron spoke quite often about the importance of Israel's relationship with its neighbors. Benjy is with us now to recall his last conversation with Yaron, moments before his death. Thank you for joining us, Benjy. You were at the event in Washington that night. Where were you when the shots were fired just after 9 p.m.? Benjamin Rogers:   I left the museum around 8:55pm and I was in a taxi heading home, when I got a text message letting me know that there's been shots fired. Talked to a lot of people from the Israeli embassy, from AJC, trying to get a sense of what was happening. I remember calling Yaron, asking if he was okay, texting him if he was okay. And then everything kind of unfolded once I got home. A lot of confusion initially, and then kind of everyone's worst fears were soon realized. Manya Brachear Pashman:   You knew Yaron through the particular work that you both did, correct?  Benjamin Rogers:   I have the privilege of working on the Middle East file for AJC and Yaron also had the privilege of working on the Middle East file for the Embassy of Israel. And the Embassy of Israel is quite large, but believe it or not, there's only two people that really focus on the Middle East–Yaron and then his supervisor, Noa Ginosar. So Yaron was someone who I used to see frequently in Washington. He would always be at various events. It was always fun to have Yaron, an Israeli representative at different programming with Arab diplomats, Arab representatives. Something that was clearly important to us at AJC, but also deeply personal to Yaron. Israel at the time of the Abraham Accords, Israel post October 7, Israel at a time of difficulty, how could we work together on a shared mission of advancing regional integration. And this was something that – you know, Yaron was not the loudest person in the room ever. He, in that sense, was not your typical Washingtonian. But he always had this presence. He always had this smile on his face.  So whenever he was there, you knew you felt this comfort. People have been saying a lot, who have been meeting his family, that he comes from a very noble family, and I think that perfectly describes Yaron. He was a noble guy. He was always somebody who was happy to be where he was. You could tell the work meant a lot to him, and someone who I always enjoyed being able to see.  That night, I got to spend a good amount of time with him. I had seen him a few weeks prior, but we didn't really have the time to catch up, and it was just a great opportunity to be able to talk with him. He shared, he was very excited to go home. He hadn't been home in close to a year. Was going to see his family. He was going to go over Shavuot. Again, with that typical Yaron smile, calm energy, noble engagement.  He was really happy that night, and that's something, the more I talk about this, the more that's important for me to share. Just because I am a new father, I can only imagine what his parents are going through. But he was happy that night. He was at a really good place. And I think that that, I hope, that brings some solace and meaning to all who knew and loved him.  Manya Brachear Pashman:   I know people did more than mingle at this reception. Much has been said about the cruel irony that this was a program about humanitarian aid to Gaza. Could you speak a little more about that? Benjamin Rogers:   The event on Wednesday night was one that I moderated, and one that I was actually quite nervous to moderate. It was on humanitarian diplomacy. This is not an easy topic to discuss right now. There's a lot of complexity, a lot of hardship, a lot of heartbreak, but the fact that he was there for this conversation showed his willingness to engage, his willingness to hear a conversation. It was not a political discussion.  It was a discussion with representatives from IsraAID and representatives from Multifaith Network–that was really working on showcasing how interfaith engagement, how IsraAID came together to say, how do we do something good? How do we do something good at a time when there's not so much humanity right now.  And it was about trust. It was about doing better. It was about looking forward. And that I think encapsulates not only Yaron's spirit, but very much Sarah's as well, who I knew less well, but was very much part of the AJC family. Very much also deeply believed in being a bridge, bringing people together.  Manya Brachear Pashman:   Is there a conversation or a moment, an encounter that really stands out for you as your key memory, core memory, if you will, of Yaron? Benjamin Rogers:   We always used to joke about diplomats that we had engaged together. There's a lot of sensitivities in this, but we would always seem to be at events where it was a great networking opportunities and great opportunities to expand understanding throughout the Middle East. And we would always kind of laugh and talk about how happy we were to be able to do some of those small engagement, small steps together.  That and his smile. This was always somebody who walked into a room and again, not the loudest person, but someone who you could just tell was good natured, had a good heart, and that's essential in this work. There are a lot of good people in this field. Not everybody, though, is to the level of Yaron and to the level of Sarah, and I think…I've been going through many different emotions. Most of it is just this feeling of surrealness. This is somebody who I just saw and is now gone. I still haven't fully processed that. But what I'm coming to more and more is that we've got to do better. We're better than this. We're all better than this. Yaron and Sarah were better. We need to find a way to live up to their ideals. Professing kind of what he stood for.  How do we get out of this period? How do we find a more understanding, a more hopeful, more empathetic world where we pull away from this black and white, good and bad, explain this to me in a tweet or a five second clip. This is complex. We've seen just how tragic this environment can be, how tragic and costly words can be, and I hope that for everyone, it is a rallying call to be better.  Manya Brachear Pashman:   Thank you so much, Benjy. Benjamin Rogers:   Thanks Manya.   

After being on opposite sides of Syria's war, former regime firefighters and members of the White Helmets in a Damascus firehouse are learning to trust each other and work side-by-side.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Turn the “summer slump” into a season of strategic wins! In this episode of SoTellUs Time, Trevor Howard and Troy Howard share two powerhouse strategies—High-ROI Projects with Clear Timelines and Intentional Break Techniques—that will help you maximize productivity, recharge your team, and set the stage for a blockbuster Q4. Whether you're a solopreneur, small business owner, or leading a larger organization, these actionable tactics will keep you ahead of the curve all summer long.

This episode is presented by Create A Video – A Charlotte woman had her car stolen - with her dog inside - and police caught the thieves. But because the punks were underage, they were immediately turned loose and have been taunting and threatening the victim and trying to ransom her dog back to her. She pleaded with the Charlotte City Council for help... and to reform the broken juvenile "justice" system. Subscribe to the podcast at: https://ThePetePod.com/ All the links to Pete's Prep are free: https://patreon.com/petekalinershow Media Bias Check: If you choose to subscribe, get 15% off here! Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com Get exclusive content here!: https://thepetekalinershow.com/See omnystudio.com/listener for privacy information.

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/british-studies

Vincent Manago Hambright, known as the Filipino Assassin, started boxing at age 14.

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/european-studies

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter.

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/book-of-the-day

What does liberty entail? How have concepts of liberty changed over time? And what are the global consequences? Liberty as Independence: The Making and Unmaking of a Political Ideal (Cambridge UP, 2025) surveys the history of rival views of liberty from antiquity to modern times. Quentin Skinner traces the understanding of liberty as independence from the classical ideal to early modern Britain, culminating in the claims of the Whig oligarchy to have transformed this idea into reality. Yet, with the Whig vision of a free state and civil society undermined by the American Revolution of 1776, Skinner explores how claims that liberty was fulfilled by an absence of physical or coercive restraint came to prominence. Liberty as Independence examines new dimensions of these rival views, considering the connections between debates on liberty and debates on slavery, and demonstrating how these ideas were harnessed in feminist discussions surrounding limitations on the liberty of women. The concept of liberty is inherently global, and Skinner argues strongly for the reinstatement of the understanding of liberty as independence. Illustrates the connections between philosophical debates surrounding liberty and the sociopolitical contexts in which they took place Provides a comprehensive analysis and bibliography of rival ways of thinking about liberty Explores the contribution of the American Revolution to discussions on the idea of liberty Quentin Skinner is Emeritus Professor of Humanities at Queen Mary University of London. He was at the Institute for Advanced Study at Princeton between 1974 and 1979, and was Regius Professor of History at the University of Cambridge between 1996 and 2008. He is the author and editor of numerous books on Renaissance and Modern Intellectual History, and the recipient of many awards including the Wolfson Prize for History and a Balzan Prize. Previous publications include the two-volume study, The Foundations of Modern Political Thought (Cambridge, 1978), Liberty before Liberalism (Cambridge, 1998) and, most recently, From Humanism to Hobbes: Studies in Rhetoric and Politics (Cambridge, 2018). Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

  As North Carolina's top lawyer, Attorney General Jeff Jackson has many important jobs — handling important criminal prosecutions, protecting consumers, representing state agencies in litigation. But if there's a duty that is clearly his Number One priority, it has to be defending North Carolinians from unlawful attacks on their rights and well-being. And it's […]

After his NCAA Tournament loss to Florida, UConn head coach Dan Hurley cried about bowing out with honor and dignity just moments after cursing about the referees. Borderline personality disorder much?Hurley, a bald version of narcissist Kim Mulkey, demands the spotlight, berates colleagues, derides opposing fans, and loves to hear himself talk. Just ask him!Hurley was a prime candidate to replace John Calipari at the University of Kentucky. The deal never came together.Meanwhile, Mark Pope answered the call from UK and has exceeded all expectations, conducting himself with honor, grace, and integrity.The wait was worth it.

Two essays that reflect Elizabeth Warren and her anti-crypto army's failure shape the debate around common sense crypto policy. Sponsored by: Ledger Ledger, the world leader in digital asset security, proudly sponsors The Breakdown podcast. Celebrating 10 years of protecting over 20% of the world's crypto, Ledger ensures the security of your assets. For the best self-custody solution in the space, buy a LEDGER™ device and secure your crypto today. Buy now on Ledger.com. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/nathanielwhittemorecrypto Subscribe to the newsletter: https://breakdown.beehiiv.com/ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownNLW

The last three episodes have covered my deep dive into the previous 35 to 40 years into exploring how creating goals and achieving them can work. Let's talk about one of my most crazy experiences in this world of creating a self-storage business and what it can look like on the court. This transaction changed my life and taught me how putting my attention on the correct things can work. Let me tell you a story… **Online Courses at The Quickstart Academy** https://TheQuickStartAcademy.com/ **Listen on Apple Podcasts** https://podcasts.apple.com/us/podcast/creating-wealth-through-self-storage/id1588425875 ** 5 KPIs we measure** https://creatingwealththroughselfstorage.lpages.co/top-5-kpi-ebook/ **My blog** Creating Wealth Through Self Storage **Facebook** https://www.facebook.com/markhelmselfstorage/ **Twitter** Tweets by MarkHelmSelfSt **The Storage World Analyzer** http://storageworldanalyzer.com/ **The QuickStart Academy Store** https://quick-start-academy.myshopify.com

True North Country Comics Podcast chats with Whitney Gardner about illustrating 'The RACC Pack #2: Prince and the Pawper'. The post Whitney Gardner illustrates new ‘RACC Pack’ book appeared first on True North Country Comics.

Is there a culture of plutocratic classism in the USA? I'm inspired by Trump's America and how people think that people like Elon Musk and him are above the law because they're rich, while conversely the lowest rank in society are the homeless and the poor. But what do I mean by “Plutocratic classism”? A plutocracy is a society where people's position is determined by their wealth, classism is our tendency to discriminate based on social class, put that together and you have people determining social value by how much money a person seems to have. Gunwallace joins us for this Quackcast, replacing Banes while he has a sabbatical, he along with Tantz Aerine and myself examine this idea from an outsider's perspective. Gunwallace like me comes from an extremely egalitarian society where the idea of obvious classism is frowned upon. Australia and New Zealand were countries created by people leaving the classist aristocratic society of Great Brittain so that they could make something of themselves outside of that rigid system where class was determined by family name, accent, where you grew up, where you went to school etc. In our countries any sort of obvious classism is seen as extremely vulgar and worthy of social attack. Of course aspects of it still exist but it's bellow the surface. Tantz Aerine's Greece has been through a number of changes, coming from aristocratic origins as well as modern communist influences. It means we all have an external view on this subject Plutocratic classism is a vision of the world that shows up all over American media, classically with something like Trading Places with Dan Akroyd and Eddy Murphy, even another Eddy Murphy film, Coming to America, Illustrates that beautifully. In the former a homeless black person and a wealthy white stock trader and made to switch places in society (mainly their level of wealth swaps), and they're subsequently treated extremely differently. In Coming to America an African prince comes to the USA and disguises himself as a poor person, the way he's treated changes dramatically. As the story progresses he meets various people at different social economic levels: the well-off middle-class small business owner father of his girlfriend in particular, as well as her rich ex, and all these people are treated as being on different rungs of the social class ladder depending on heir wealth. It's seen in very common tropes like the “dead hooker” jokes, the way homeless people are constantly shown as expendable trash, and the way people who live in trailer parks are looked down upon in American media, it's pure plutocratic classism. This shows up in American pop-culture media constantly. While the wealthy are seen as ersatz aristocracy and their children are viewed as scions, princes and princesses. Have you noticed this trend in American pop-culture media? Do you agree that it exists both in fiction and reality or is this all just communist bulsh1t that I'm blathering on about? Gunwallace was kind enough to give us a theme inspired by Ghats - A hypnotically relaxing track that builds up the pizzazz level with a synth trumpet band. From a quiet spa retreat to a full on Vegas show! Get a lot of those sexy showgirls! Topics and shownotes Links Featured comic: Ghats - https://www.theduckwebcomics.com/news/2025/jan/21/featured-comic-ghats/ Featured music: Ghats - https://www.theduckwebcomics.com/Ghats/ - by Flumpy Tripod, rated E. Special thanks to: Gunwallace - https://www.theduckwebcomics.com/user/Gunwallace/ Tantz Aerine - https://www.theduckwebcomics.com/user/Tantz_Aerine/ Ozoneocean - https://www.theduckwebcomics.com/user/ozoneocean Kawaiidaigakusei - https://www.theduckwebcomics.com/user/kawaiidaigakusei VIDEO exclusive! Become a subscriber on the $5 level and up to see our weekly Patreon video and get our advertising perks! - https://www.patreon.com/DrunkDuck Even at $1 you get your name with a link on the front page and a mention in the weekend newsposts! Join us on Discord - https://discordapp.com/invite/7NpJ8GS

What does it mean to be filled with the Holy Spirit?If you're ever a little suspicious about the idea that the Holy Spirit fills believers, Susie and Angie will help clear up confusion as they  look closely at the Greek word for “fill” in Luke 1:67.Luke 1:67 (NIV)“His father Zechariah was filled with the Holy Spirit and prophesied:” LiveSteadyOn.comhttps://livesteadyon.com/ To connect with Susie:https://susiecrosby.com/Facebook: @‌susiecrosbyauthorInstagram: @‌susiecrosby Susie's devotionals, “Lighthearted” and “Just One Word: 90 Devotions to Invite Jesus In” are available on Amazon.https://www.logos.com/https://enduringword.com/https://www.wordhippo.com/https://www.biblegateway.com/https://www.blueletterbible.org/ Gerhard Delling, “Πίμπλημι, Ἐμπίμπλημι, Πλησμονή,” ed. Gerhard Kittel, Geoffrey W. Bromiley, and Gerhard Friedrich, Theological Dictionary of the New Testament (Grand Rapids, MI: Eerdmans, 1964–), 130.Simmons, Brian, trans. The Passion Translation. BroadStreet Publishing, 2017.Walvoord, John F., and Roy B. Zuck, Dallas Theological Seminary. The Bible Knowledge Commentary: An Exposition of the Scriptures. Wheaton, IL: Victor Books, 1985.Barry, John D., Douglas Mangum, Derek R. Brown, Michael S. Heiser, Miles Custis, Elliot Ritzema, Matthew M. Whitehead, Michael R. Grigoni, and David Bomar. Faithlife Study Bible. Bellingham, WA: Lexham Press, 2012, 2016.The New International Version (Grand Rapids, MI: Zondervan, 2011), Lk 1:15. I. Howard Marshall, “Luke,” in New Bible Commentary: 21st Century Edition, ed. D. A. Carson et al., 4th ed. (Leicester, England; Downers Grove, IL: Inter-Varsity Press, 1994), 983–984. A. Boyd Luter, “Luke,” in CSB Study Bible: Notes, ed. Edwin A. Blum and Trevin Wax (Nashville, TN: Holman Bible Publishers, 2017), 1604. Theme music:Glimmer by Andy Ellison

Since the mid-1980s, Marion county has been sending its trash to an incinerator, now known as Reworld Marion Inc. It’s the only one in the state, and the county has partnered with it from the beginning. The company recently filed objections with Oregon's Department of Environmental Quality around environmental regulations the state passed aimed at improving human health by reducing toxic emissions from the facility. Several months ago Reworld announced it would be closing its Oregon facility and would not be accepting any more trash as of Dec. 31, 2024.  The county had to turn instead to the Coffin Butte Landfill in neighboring Benton County. But that landfill is filling up and has applied to expand its capacity. It’s also been under scrutiny for methane leaks that environmental groups, lawmakers and regulators say have not been adequately addressed. Joining us to discuss the problems inherent in current waste disposal methods are: Lisa Arkin, the executive director of Beyond Toxics, which is part of the state’s Clean Air Coalition; and Oregon State Senator Sara Gelser Blouin, a Democrat whose district covers South Salem and unincorporated parts of Linn, Benton and Marion Counties.

BRO we got our first sponsor so please go check out their website: BANG(dot)COM and use code "ALFBANG" to get a 2 day free trial. Take the edge of before any major decision and get your rocks off first and then you will have what we call post-

This year, President-elect Trump made gains across almost every demographic since the 2020 election. But one of the most notable was among young men, who shifted roughly 15 points to the right. Laura Barrón-López examines how Trump was able to court young men online by reaching out to them in spaces far beyond mainstream media outlets. PBS News is supported by - https://www.pbs.org/newshour/about/funders

This year, President-elect Trump made gains across almost every demographic since the 2020 election. But one of the most notable was among young men, who shifted roughly 15 points to the right. Laura Barrón-López examines how Trump was able to court young men online by reaching out to them in spaces far beyond mainstream media outlets. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Kevin O'Leary, Chairman of O'Leary Ventures and Shark Tank's Mr. Wonderful, joins the show to discuss how tariffs will benefit US businesses and how they can potentially level the trade playing field with other countries. Hosted on Acast. See acast.com/privacy for more information.

Emilia Strilchuk chats with True North Country Comics Podcast about her new autobio graphic novel 'Be Yourself! Oh, not like that...' The post Emilia Strilchuk illustrates her life in new graphic novel appeared first on True North Country Comics.

PREVIEW: Colleague Chris Riegel of SCALA REPORT will comment on the news that the popular national chain Denny's is closing 10% of its fleet due to poor performance in the face of rising food prices. Riegel will discuss how this illustrates that all restaurant chains are sagging from inflation and must respond accordingly. More details on this to come later in the program. 1931 bank failure 

Tax Planning, Enforcement, and International Taxation Source: Session 3: Tax Planning, Enforcement, and International Taxation Main Themes: Strategic Tax Planning: Utilizing legal provisions to minimize tax liability and maximize after-tax income. This encompasses: Retirement Account Optimization: Leveraging Traditional and Roth IRAs, 401(k)s, 403(b)s, and self-employed plans to defer income and maximize contributions. Tax-Efficient Investing: Investing in vehicles like municipal bonds, tax-deferred accounts, and managing capital gains to reduce tax burdens. Estate Planning: Utilizing gifting strategies and trusts to minimize estate taxes and ensure smooth wealth transfer. Understanding Tax Audits and Enforcement: Knowing the IRS audit process, taxpayer rights, penalties for non-compliance, and the appeals process. Navigating International Taxation: Addressing the complexities of U.S. taxation of worldwide income, double taxation treaties, transfer pricing, and reporting requirements for foreign assets. Keeping Abreast of Recent Tax Law Developments: Staying informed about changes brought by the Tax Cuts and Jobs Act, Inflation Reduction Act, and initiatives targeting the digital economy. Key Ideas and Facts: Tax Planning: "Tax planning is not about evading tax obligations but rather taking advantage of legitimate opportunities provided by the tax code." Retirement accounts offer tax advantages like deductibility of contributions, tax-deferred growth, and potential tax-free withdrawals (Roth IRA). Employer matching in 401(k) plans is "essentially free money." Tax-efficient investments minimize the impact of taxes on returns. Long-term capital gains are taxed at preferential rates compared to short-term gains. Estate planning tools like gifting and trusts help minimize estate tax liability. Tax Audits and Enforcement: The IRS uses various methods to select returns for audit, including random selection, computer screening, and document matching. Red flags that can increase the likelihood of an audit include large charitable contributions, unusually high deductions, and discrepancies between reported income and third-party information. Taxpayers have the right to representation and appeal during an audit. Penalties for non-compliance can be severe, ranging from late filing/payment penalties to accuracy-related penalties and even criminal prosecution for fraud. International Taxation: U.S. citizens and residents are taxed on their worldwide income. The Foreign Earned Income Exclusion (FEIE) and Foreign Tax Credit (FTC) alleviate double taxation for individuals working abroad. Tax treaties prevent double taxation and clarify taxing rights between countries. Transfer pricing rules ensure fair income allocation among related entities in different countries. U.S. taxpayers with foreign financial assets exceeding certain thresholds must file FBAR and comply with FATCA reporting requirements. Recent Developments: The Tax Cuts and Jobs Act (TCJA) lowered the corporate tax rate, increased the standard deduction, and introduced the Qualified Business Income (QBI) Deduction. The Inflation Reduction Act provided tax credits for electric vehicles, energy-efficient home improvements, and imposed a corporate minimum tax. International efforts are underway to address digital economy taxation and implement a global minimum tax. Case Studies: Maria's case: Illustrates the importance of utilizing the FEIE, FTC, and FBAR filing for U.S. citizens living and working abroad. John's case: Demonstrates the value of proper documentation, understanding taxpayer rights, and the potential benefits of the appeals process during an audit. Conclusion: Staying informed about tax law changes, planning strategically, and ensuring compliance are crucial for managing tax obligations effectively. A comprehensive understanding of tax planning, enforcement, and international taxation empowers taxpayers to optimize their financial well-being while minimizing risks. --- Support this podcast: https://podcasters.spotify.com/pod/show/law-school/support

A change in the standing operating procedure of the CIA demonstrates a basic truth about human nature. Get in touch: podcast@gretchenrubin.com Follow on social media: @GretchenRubin on YouTube @GretchenRubin on TikTok @GretchenRubin on Instagram @GretchenRubin on Threads Get the podcast show notes by email every week: happiercast.com/shownotes Get Gretchen Rubin's newest book Life in Five Senses to see how she discovered a surprising path to a life of more energy, creativity, luck, and love: by tuning in to the five senses. Now available - order here. Visit Gretchen's website to learn more about Gretchen's best-selling books, products from The Happiness Project Collection, and the Happier app.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

I am thrilled to announce that our new book, the Kindness Daily Reader: Season One, is now available on Amazon. (See Link Below)  Secondly, we are embarking on a new chapter with Season Three of the One Kind Moment podcast. In Season One, we primarily focused on broad topics of kindness and compassion, while in Season Two, we explored areas such as self-compassion, self-help, and self-care. Now, in Season Three, we're shifting our focus to a specific area of self-care that we call Practical Spirituality for Everyone. We'll be delving into topics like spirituality in nature, spiritual intelligence, everyday mindfulness, the science of consciousness, the mystery of life, the science of awe, and managing uncertainty. We're excited to take this new direction and are grateful for your continued support and interest in the One Kind Moment podcast. EXPLORE OUR NEW BOOK! Kindness Daily Reader: Season One https://a.co/d/04RvXldy #onekindmoment #spirituality Yesterday by John Hobart - Music Design by Jason Inc. https://brucewaynemclellan.com/  

Americans for the Arts, a nonprofit that advocates for arts and arts education in the U.S., released data on how the arts sector affects Oregon. The study showed that Oregon’s nonprofit arts industry generated more than $800 million in economic activity in 2022. Randy Cohen is the vice president of research for the organization. He has toured across  the country discussing findings from the study. He’s currently visiting Eastern Oregon to talk about how the arts sector affects economies in Pendleton, Joseph, Ontario and other communities. Roberta Lavadour is the executive director for the Pendleton Center for the Arts and serves on the Oregon Arts Commission. They join us with details of the study and how the arts industry affects communities like Pendleton.

Roger Ratzenberger Discusses Doc Adams and Vintage Base Ball and Hayley Chavers Illustrates Her BBQ Journey from Disney to Traeger With Guest Co-host, Doug Scheiding Roger Ratzenberger is a huge fan of modern day baseball as well as a lover of the game from the 1800's when, in its infancy it was called base ball.  Part of his baseball obsession is to one day see Daniel Lucius "Doc" Adams, M.D. enshrined in the National Baseball Hall of Fame which is where Roger and so many other baseball historians know Doc belongs.  Roger discusses his brief New York Yankees fandom, his conversion to a life-long New York Mets fan, his visiting every Major League Baseball stadium, and why he is known as the baseball stadium connoisseur.  For more information on Roger Ratzenberger go to http://ratzenberger.org/  and for more information on his Doc Adams awareness campaign go to https://docadamsbaseball.org/ Hayley Chavers is the retail marketing and project manager at Traeger.   How she got to this point in her professional career is filled with great stories which includes being a performer at Disneyland in California and later a job with Meater, makers of wireless thermometers.  In addition to Hayley's professional career we also discuss her barbecue journey.  Hayley is a very talented impressionist and she delights us with two outstanding impressions of Family Guy's, Lois Griffin and Acadamy Award winning actor, Christopher Walken. We conclude the show with the song, Baseball Always Brings You Home from the musician, Dave Dresser and the poet, Shel Krakofsky. We recommend you go to Baseball BBQ, https://baseballbbq.com for special grilling tools and accessories, Magnechef https://magnechef.com/ for excellent and unique barbecue gloves, Cutting Edge Firewood High Quality Kiln Dried Firewood - Cutting Edge Firewood in Atlanta for high quality firewood and cooking wood, Mantis BBQ, https://mantisbbq.com/ to purchase their outstanding sauces with a portion of the proceeds being donated to the Kidney Project, and for exceptional sauces, Elda's Kitchen https://eldaskitchen.com/ We truly appreciate our listeners and hope that all of you are staying safe.   If you would like to contact the show, we would love to hear from you. Call the show:  (516) 855-8214 Email:  baseballandbbq@gmail.com Twitter:  @baseballandbbq Instagram:  baseballandbarbecue YouTube:  baseball and bbq Website:  https//baseballandbbq.weebly.com Facebook:  baseball and bbq  

One knows a man's character by his relationship with his kids, in this case, specifically his daughter. Ashley Biden told the story of her dad taking the train home for an impromptu birthday party at the train station and immediately returning to DC. Subscribe to our Newsletter: https://politicsdoneright.com/newsletter Purchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make America Utopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And Be Fit Now: https://amzn.to/3xiQK3K Tribulations of an Afro-Latino Caribbean man: https://amzn.to/4c09rbE

“Up to” claims can be difficult to substantiate, in part, because the standard for substantiating those claims isn't always clear. Over the years, the FTC, NAD, and courts have articulated different standards that are hard to reconcile with each other. For example, last month, we posted about a decision in which a three-judge panel with the Ninth Circuit determined that an ​“up to” claim reflected the ​“upper limit” of what consumers could expect and rejected the plaintiff's assertions that consumers should ​“always” expect that. This month, the FTC announced a settlement that takes a different view. https://www.kelleydrye.com/viewpoints/blogs/ad-law-access/ftc-settlement-illustrates-challenges-with-up-to-claims Gonzalo Mon gmon@kelleydrye.com (202) 342-8576 www.kelleydrye.com/people/gonzalo-e-mon Hosted by Simone Roach Subscribe to the Ad Law Access blog - www.kelleydrye.com/subscribe Subscribe to the Ad Law News Newsletter - www.kelleydrye.com/subscribe View the Advertising and Privacy Law Resource Center - www.kelleydrye.com/advertising-and-privacy-law Find all of our links here linktr.ee/KelleyDryeAdLaw

Send me a Text Message.Discover how a simple question—“What do you need?”—can transform your workplace dynamics and foster collaboration.Are you ready to elevate your personal and professional life? Look no further than Be the Ultimate with Dennis Guzik, the podcast designed to equip you with powerful insights and practical strategies to thrive in today's fast-paced world. Hosted by seasoned expert Dennis Guzik, this podcast goes beyond traditional advice, offering you tangible steps to unlock your true potential.Key Takeaway: The Power of "What Do You Need?"Inspired by a TV show scene where an officer asks how she can help at an accident scene.Applying this question in professional settings can foster collaboration and improve work dynamics.Application ScenariosTo a Superior:Shows initiative and willingness to assist.Can lead to learning new skills and being seen as a team player.To a Peer:Assists colleagues struggling with new tasks.Strengthens relationships and team cohesion.To a Subordinate:Demonstrates supportive leadership.Ensures assigned tasks are completed effectively and efficiently.Personal AnecdotesHost shares experiences from military and civilian leadership roles.Illustrates the effectiveness of asking "What do you need?" in various professional scenarios.Daily PracticeEncourages listeners to integrate this question into their daily routine.Applies to interactions with bosses, peers, and subordinates.Don't miss out on the opportunity to become the ultimate version of yourself. Tune in to Be the Ultimate with Dennis Guzik today, and start your journey towards a brighter future. Subscribe now, leave a review, and share with friends who are also eager to grow. Let's embark on this transformative journey together!#BeTheUltimate #PersonalDevelopment #CareerAdvice #SelfImprovement

Send me a Text Message.Discover how a simple question—“What do you need?”—can transform your workplace dynamics and foster collaboration.Are you ready to elevate your personal and professional life? Look no further than Be the Ultimate with Dennis Guzik, the podcast designed to equip you with powerful insights and practical strategies to thrive in today's fast-paced world. Hosted by seasoned expert Dennis Guzik, this podcast goes beyond traditional advice, offering you tangible steps to unlock your true potential.Key Takeaway: The Power of "What Do You Need?"Inspired by a TV show scene where an officer asks how she can help at an accident scene.Applying this question in professional settings can foster collaboration and improve work dynamics.Application ScenariosTo a Superior:Shows initiative and willingness to assist.Can lead to learning new skills and being seen as a team player.To a Peer:Assists colleagues struggling with new tasks.Strengthens relationships and team cohesion.To a Subordinate:Demonstrates supportive leadership.Ensures assigned tasks are completed effectively and efficiently.Personal AnecdotesHost shares experiences from military and civilian leadership roles.Illustrates the effectiveness of asking "What do you need?" in various professional scenarios.Daily PracticeEncourages listeners to integrate this question into their daily routine.Applies to interactions with bosses, peers, and subordinates.Don't miss out on the opportunity to become the ultimate version of yourself. Tune in to Be the Ultimate with Dennis Guzik today, and start your journey towards a brighter future. Subscribe now, leave a review, and share with friends who are also eager to grow. Let's embark on this transformative journey together!#BeTheUltimate #PersonalDevelopment #CareerAdvice #SelfImprovement

Chad Jensen and Zack Kelberman sift through the latest #BroncosNews and rumors out of #BroncosCamp, including Adam Trautman's inadvertent illustration of the big difference between #BoNix and Jarrett Stidham as the #DenverBroncos QB battle continues. Subscribe to Mile High Huddle Podcasts: https://www.bluewirepods.com/podcast/mile-high-huddle Chad Jensen: https://twitter.com/ChadNJensen Zack Kelberman: https://twitter.com/KelbermanNFL Scott Kennedy: https://www.youtube.com/c/scottkennedy?sub_confirmation=1 MHH Podcast: https://twitter.com/TheMHHPod Merch: http://mhhmerch.com Slam it here for more Broncos coverage: http://milehighhuddle.com Mile High Huddle Live Stream Schedule (All Times MT) Sunday - 6:00 p.m. Mile High Huddle Podcast Monday - 7:30 a.m. Broncos for Breakfast Monday - 6:00 p.m. Mile High Huddle Podcast Tuesday - 6:00 p.m. Building the Broncos Wednesday - 7:30 a.m. Broncos for Breakfast Wednesday - 6:00 p.m. 6:00 p.m. Mile High Insiders Thursday - 6:00 p.m. Mile High Huddle Podcast Friday - 6:00 p.m. Dove Valley Deep Divers Saturday - 6:00 p.m. Orange & Blue View Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this special episode of Inside OnlyFans CJ and Kayla sit down with Sarah Illustrates & her husband Alex Illustrates. They spill all the tea- from being married in the porn industry, letting other men fuck your wife, how to get hard and much much more! Full video episodes available: Patreon OnlyFans YouTube FOLLOW US! Instagram: @insideonlyfans @cjsparxx @kaylalaurenoffical @_sarahillustrates @alex_illustrates Twitter: @insidefans Facebook: Inside OnlyFans Tiktok: @insideofpodcast YouTube: Inside OnlyFans Learn more about your ad choices. Visit megaphone.fm/adchoices

Edtech ThrowdownEpisode 165: Edtech Resources for the SummerWelcome to the EdTech Throwdown This is episode 165 called “Edtech Resources for the Summer”. In this episode, we'll talk about the resources that we'll be exploring while on this year's summer vacation! This is another episode you don't want to miss, check it out!Segment 1: Narrative: Summer time talkSegment 2:Guise's BooksAI for Educators: Learning Strategies, Teacher Efficiencies, and a Vision for an Artificial Intelligence Future by Matt MillerLeaders Eat Last by Simon SinekIn the U.S. Marines during mealtime, Sinek explains, it's common for the highest ranking officers to fix their plates last. This not only ensures everyone on the team is fed, but sends an important message: Leaders look after their people first. But Sinek's people-first approach is only one component of a larger narrative that includes segments on creating a safe environment within your organization—he refers to this as the “Circle of Safety”—and the surprising impacts of what he calls “selfless chemicals” like serotonin and oxytocin on leadership style.Nick's BooksStorytelling With Purpose: Digital Projects to Ignite Student Curiosity by Michael Hernandez: The book:Shows how to create uncheatable assessments through student-created story projectsHelps educators create meaningful learning experiences by integrating edtech tools and storytelling into their curriculum.Shows how storytelling can help students activate higher-level thinking to conduct research, process ideas and information, and share the synthesis of these ideas with an audience.Illustrates how digital storytelling can help develop a mindset of collaboration, mental agility and resilience.Presents student examples, teacher case studies and sample lessons to demonstrate how to integrate student stories into curriculum in authentic ways.Offers flexibility, through sample projects that vary in degree of difficulty, so teachers can choose the best option based on their resources and unique situation.Schoolishness: Alienated Education and the Quest for Authentic, Joyful Learning by Susan D. Blum (Author) In Schoolishness, Susan D. Blum continues her journey as an anthropologist and educator. The author defines "schoolishness" as educational practices that emphasize packaged "learning," unimaginative teaching, uniformity, constant evaluation by others,...

#BRAZIL: Musk illustrates Brasilia censorship.Mary Anastasia O'Grady WSJ https://www.wsj.com/articles/elon-musk-resists-brazilian-censorship-free-speech-latin-america-law-ca4d75b5 1956 BRAZIL

You'll get an exact mortgage rate prediction from the President of the lending company that's provided investors with more financial freedom than anyone in the nation.  Learn how to best access your equity, yet keep your low mortgage rate first loan untouched. In this Get Rich Education podcast episode, host Keith Weinhold and guest Caeli Ridge, President of Ridge Lending Group, delve into the direction of mortgage rates.  They highlight the importance of understanding today's environment and discuss refinancing opportunities in the current market.  Caeli outlines various loan products available to investors and predicts over 50% of appraisals now come in high, indicating strong future valuations.  She also forecasts higher mortgage rates to persist, with a possible Fed Funds Rate reduction by June and a 6.125% rate for 30-year fixed mortgages, non-OO, with 25% down, by the end of 2024.  The episode emphasizes education and strategic planning in real estate investment. I get my own loans at Ridge. You can too at RidgeLendingGroup.com Timestamps: The impact of inflation on real estate investing (00:00:00) Discusses leveraging properties to increase wealth, the relationship between mortgage rates and real estate, and the impact of inflation on property values. Understanding the importance of mortgage rates (00:03:52) Explores the neutral relationship real estate investors have with mortgage rates, the impact of mortgage rates on home affordability, and the significance of current mortgage rates. Historical perspective on home price affordability (00:06:18) Provides insights into the historical trends in home affordability, comparing past and current median home prices and the impact of inflation on home values. The power of leverage in borrowing (00:10:14) Illustrates the impact of inflation on loan principal balances and monthly mortgage payments, emphasizing the benefits of optimizing borrowing. Mortgage rate prediction and refinancing trends (00:16:57) Discusses the future direction of mortgage rates, refinancing trends, and the importance of considering interest rates in the context of overall investment strategies. Explanation of high points charged on investment property loans (00:23:12) Provides an explanation for the high points charged on investment property loans, related to the servicing of mortgage-backed securities and the absence of prepayment penalties. Accessing Equity with HELOC and HE Loan (00:24:21) Discussion on accessing equity using keylock and HE loan, including LTV ratios and interest rate comparisons. Trade-offs Between HELOC and HE Loan (00:25:27) Comparison of trade-offs between keylock and HE loan, including flexibility and interest payment structures. Considerations for Second Mortgages (00:26:36) Exploration of the benefits of having a second mortgage as an option and the potential drawbacks related to minimum draw requirements. Blended Mortgage Rates (00:27:56) Explanation of how to calculate blended mortgage rates based on the balances and interest rates of first and second mortgages. Appetite for Adjustable Rate Mortgages (00:28:44) Assessment of the current environment for adjustable rate mortgages and comparison with fixed-rate mortgages. Obstacles for New and Repeat Investors (00:29:45) Common obstacles faced by new and repeat real estate investors, including understanding investment goals and managing debt-to-income ratios. Forecast for Mortgage Rates (00:33:45) Prediction for future mortgage rates based on inflation indicators and the potential impact of the Fed's decisions. Loan Types Offered by Ridge Lending Group (00:35:54) Overview of the various loan types offered by Ridge Lending Group, including Fannie and Freddie loans, non-QM loans, and commercial loans. Resources and Tools for Investors (00:38:03) Information about free resources and tools available on the Ridge Lending Group website, including simulators and educational content. Conclusion and Recommendation (00:39:38) Summary of the discussion with Caeli Ridge and a recommendation to explore the services offered by Ridge Lending Group for real estate financing needs. Resources mentioned: Show Page: GetRichEducation.com/489 Ridge Lending Group: RidgeLendingGroup.com Call 855-74-RIDGE For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:00) - Welcome to GRE. I'm your host, Keith Weinhold. A new take on how to profit from inflation. The best strategies for accessing equity from your property while leaving your low rate loan in place. A surprising trend with real estate appraisals. Then the president of one of the most prominent national mortgage companies joins me to give a firm mortgage rate prediction today on get rich education. If you like the Get Rich Education podcast, you're going to love our Don't Quit Your Daydream newsletter. No, a eye here I write every word of the letter myself. It wires your mind for wealth. It helps you make money in your sleep and updates you on vital real estate investing trends. It's free sign up egg get rich education.com/letter. It's real content that makes a real difference in your life. Spice with a dash of humor rather than living below your means, learn how to grow your means right now. You can also easily get the letter by texting GRE to 66866. Text GRE to 66866.   Speaker 2 (00:01:11) - You're listening to the show that has created more financial freedom than nearly any show in the world.   Speaker 2 (00:01:18) - This is Get Rich Education.   Keith Weinhold (00:01:27) - Welcome to Gary from Oak Park Heights, Minneapolis, to Crown Heights, Brooklyn in New York City and across 188 nations worldwide. I'm Keith Weinhold, and this is Get Rich education. When you have that epiphany, that leverage creates wealth, it can be enough to make you want to be the town iconoclast. Walk around, beat your chest, and boldly proclaim that financially free beats debt free. You might remember that I helped drive that point home a few weeks ago when I talked about the old fourplex owner, Patrick, who owned his fourplex next to mine years ago. He wanted to pay his down and I wanted to leverage mine up. I told you then that rushing to pay off one property by making extra payments on the principal is like drilling a deep hole into one property. And the deeper you drill, the more likely that hole is to cave in. Your return goes down and now you've got more of your prosperity tied up in just one property, just one neighborhood and just one market.   Keith Weinhold (00:02:34) - The most sure fire way to wealth, and exactly what wealthy people do, is optimize and almost maximize the number of properties that you own. And as long as you buy right as they inevitably inflate, just keep borrowing against them. And that way you never have to pay capital gains tax either. And that goes beyond just real estate. That's assets of many types. You'll want to own more assets. The way to do that is with more loans. And paradoxically, that is why the richest people have the most debt. As you watch your debt column grow, watch your column grow even faster. And as we're talking about mortgages and the direction of interest rates today, us as real estate investors, you and I, we have a somewhat neutral relationship with mortgage rates. Yeah, it's often a neutral relationship. Now, prospective homebuyers, they often want mortgage rates to be low. Sellers often want rates to be low two so that they'll have more home bidders, legacy landlords, ones that own a bunch of property and they're not buying anymore.   Keith Weinhold (00:03:52) - They often want mortgage rates to be high because it hurts first time homebuyer affordability, and then it keeps the rents high and it keeps the occupancy high. And then you and I see we both own real estate. We also look to opportunistically put more in our portfolio. Well then we want rates to be high in a sense and low in a sense too. So you might have relative neutrality, feeling aloof about it all because you're thinking about it from both sides. But in any case, we can always predict the future. But the one thing that you know for sure is what you have now. A lot of people don't optimize their potential for what they have now. Instead, they speculate about the future. Now, one thing a lot of people have now is so many Americans are still loving their 3% and 4% mortgage rates they locked in 2 or 3 years ago, and they're refusing to give it up. However, over the past two years, when the number of real estate listings were at historic lows, a lot of life changing events have occurred in the past two years 7 million newborn babies with a need for a larger sized home and a desire to get out of the starter home.   Keith Weinhold (00:05:11) - Also in the last two years, 3 million marriages, including some of those marriages, are among older couples who now need to sell a home that can help solve the market. And then, of course, most home sellers. They also become home buyers. Next, they need another place to live. So home sellers, they often don't add a net one to the supply. We had a million and a half divorces, 7 million Americans turning 65 years old that might want to trade down during the retirement years and also during the last two years. Consider that there were 4 million deaths and 50 million job changes, some of those inconsequential, while others with fundamentally changed commuting patterns. So the point here is that life moves on. For some, though still a minority, but a growing minority, it is time to give up the three and 4% mortgage rate. Still not enough of them, but for better or worse, that is what it's going to take to move this market and put some available supply out there.   Keith Weinhold (00:06:18) - Now, today we have apparently finally just come off this period where home price of. Affordability had hit 40 year lows for 40 years for decades. Again, with low affordability, you dislike that if you're a home buyer or seller, you might feel neutral about low affordability as a landlord or a real estate investor because it makes your new purchases less affordable. But it keeps your renters as renters when you buy that income property. From an affordability standpoint, the very best time to buy was 2013. Yep, 2013 is when prices hadn't fully recovered from the GFC and mortgage rates had fallen dramatically. Now, to open up that range in years, from an affordability standpoint, it was just a sensational time to buy a home or property from 2009 to 2021, just historically extraordinary, that sensational affordability level during that decade or so, 2009 to 2021, that added to the exceptional rise in home values over end since that time. But yeah, a few months ago, affordability reached its worst level in 40 years and it has since improved.   Keith Weinhold (00:07:43) - I mean, 40 year lows in affordability reach then in 1984 and what happened in 1984, that is when Ronald Reagan defeated Walter Mondale for his second presidential term. Steve Jobs launched the Macintosh personal computer. John Schnatter opened the first Papa John's store in Indiana. LeBron James was born in 1984, and on television running were The Cosby Show and The Dukes of Hazzard. Hey, if you were alive then and you watch those shows, um, I know you wouldn't confess to watching Charles in Charge back then, and you'll never get back those socially redeeming hours that you spent watching Punky Brewster, and you would not admit to doing that either. What is this show, the Jeffersons still on TV in 1984? Look into that. Yeah. You know, that was kind of a real estate ish show. The deluxe apartment in the sky. Yes. It was on then. Yeah. Sherman Hemsley, Isabel Sanford Q that up.   Speaker UU (00:08:55) - Where we're moving on now? All up to this island, to a deluxe apartment in the sky.   Keith Weinhold (00:09:06) - Yeah, they even had the episode where the landlord came over and threatened not to renew their lease. I'll tell you. Has there ever been a television show in history where the landlord was depicted as a good guy? I mean, a landlord in television, they're always cast is a money hungry bad guy that won't fix anything, or is just trying to unscrupulously kick out the tenant, a slack jawed slumlord, every single time. I never really understood that show's theme music, either Beans or Burden on the grill or something. Let's get back to mortgage loans. Understand this. It might be in a way that, okay, you've never thought about it before. It's the power of leverage in borrowing. Now, you probably won't hold any 30 year fixed rate loan all 30 years in reality, but they'll make this effect clear. Let's just act like you have done this on a property. Now the median home price is near 400 K today. But what was it not 40 years ago, but in this case 30 years ago? All right.   Keith Weinhold (00:10:14) - So 1994, per the Fred numbers, which are sourced from the census and HUD, it was 130 K. Yes, a 130 K median priced home in 1994. So then if you put a 20% down payment on that property, you'd have a loan principal balance of 104 K. Now imagine it was an interest only loan somehow, and you still just owed a 104 K balance on that home today, whose median price is up to 400 K. Well, that 104 K. That just seems like a little math that you could almost swat away. I mean, this is how inflation makes the numbers of yesteryear feel tiny. But now if you're 104 K loan were an amortizing loan and the principal were being paid down to hopefully all principal pay down made by the tenant. During all those years, mortgage rates were 9% back then. So if you were making the final payment today on what's now still a median priced home, today your mortgage payment would just be 837 bucks a month. It feels like nothing. Inflation benefited you both ways on the total principal balance and the monthly payment.   Keith Weinhold (00:11:35) - Just feeling lighter and lighter and lighter in inflation adjusted terms now. And if your mortgage rate were 6% on that property, your payment would only be 623 bucks. You might have refinanced to something like that. I mean, 623 bucks. That is lower than the average new car payment today of 726. But if you had not gotten that loan back in 1994 and instead would have paid all cash for the 130 K property, were you 130 K all cash that was put into the property back then? Well, that would have had the purchasing power of today's approximately 400 K reflected in the price of today's median priced home. But to take it back ten years further to 1984, the George Jefferson year, the median home price was 80 K and your loan would be 60 4k. I mean, these numbers feel like little toys or almost lunch money or something. So this is the power of optimizing your borrowing and perhaps but not quite maximizing your borrowing power because that does risk over leverage. That is the inflation profiting benefit that you're feeling right there.   Keith Weinhold (00:12:59) - Coming up in just a few minutes, the president of one of the most prominent national mortgage companies for investor loans will be here with me. We're going to talk about mortgage rates some more, the overall temperature of the mortgage market. And I expect that she'll give a firm mortgage rate prediction for where we're going to be at year end, because she's done that with us before. They see so many investor loans in there at their lending companies. They've really got a great pulse on the market. We have set up the makeshift gray studio again for yet another week. Here is this week I'm in Nevada, where I will be the best man at my brother's wedding. I have been on the road a lot lately. That's what a geography guy like me does. Gotta get out and see the world. Life is meant to be lived, not postpone. Before we discuss both general and some intermediate Murray's concepts shortly. If you happen to be new to real estate investing. And you just like to listen to that one episode that tells you, step by step, how to get started and how to build your credit score and make an offer on a property, and best navigate the inspection process and the property appraisal inside the management agreement and more.   Keith Weinhold (00:14:15) - You can find that on get Rich Education podcast episode 368. It's simply called How to Buy Your First Rental Property. More next. I'm Keith Reinhold, you're listening to get Rich education. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation.   Keith Weinhold (00:15:24) - If you want to invest where I do, just go ahead and text family to six, 686, six. Role under the specific expert with income property, you need Ridge Lending Group and MLS for 256. In gray history, from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four plex's. Start your pre-qualification and chat with President Charlie Ridge. Personally, though, even customized plan tailored to you for growing your portfolio. Start at Ridge Lending group.com. Ridge lending group.com.   Speaker 3 (00:16:12) - Hi, this is Tom Hopkins, and I can't tell you how smart you are to be with get rich education and make these ideas you.   Keith Weinhold (00:16:32) - What is the future direction of mortgage rates? How do you qualify for more mortgage loans at the best terms with the lowest interest rates, and Americans have at near record equity levels in their properties? So what's the best way to access that equity yet? Keep your low rate mortgage in place. We're answering all of that today with a company president that's created more financial freedom through real estate than any other lender in the entire nation.   Keith Weinhold (00:16:57) - That is, the top tier and eponymous ridge lending group is time for a big welcome back to Charlie Ridge. Keith, you flatter me. Thank you very much.   Caeli Ridge (00:17:07) - I'm very happy to be here, sir. Good to see you.   Keith Weinhold (00:17:09) - Well, you help us here because debt and loan are our favored four letter words around here at gray. Can you help us efficiently optimize them both, Charlie? Interest rates have just been on so many people's minds. Shortly after, they had their all time low in January of 2021, and they since rose and then have settled down. Charlie, I've been trying to think through myself why people seem to put this over emphasis on the interest rate now. It's surely important. It is your cost of money. But the way I've thought that people overemphasize the rate is because maybe people love to discuss the direction of interest rates, even more so than real estate prices in rents is because prices and rents nearly always go up in interest rates can go up and down. So therefore it's maybe more interesting for people to talk about.   Keith Weinhold (00:17:57) - I also think about how rates sort of tap into that human fear of loss by paying interest, trumping the triumph of gain through cash flow or appreciation. And then maybe as well, it's because higher mortgage rates, they mean higher rates of all types which permeate into all of one's life's debt. So these are my thoughts about why people maybe put an over emphasis on mortgage interest rates. What are your thoughts?   Caeli Ridge (00:18:23) - I'm sure there's probably something to that. And you're right, Keith. Interest rates are always the hot topic. Everybody wants to talk about interest rates. I think that overall though, it is a lack of education and there's a psychology to it. You and I have talked about interest rates at nauseam over the years, and I do understand, but I think you and I agree, because we live in this space and we're constantly looking at the math. They are probably third or fourth on the list of priorities. When you're deciding on if this investment is valid. For fitting into my goal box, I think it's more about getting information out there and informing the masses about interest rates, and doing that math to make sure that they're not just pigeonholing themselves into keeping a 3% interest rate, or not expanding their portfolio because they're afraid of giving up what they have and not really realizing the power of the equity, the tax deduction, the rent increases.   Caeli Ridge (00:19:15) - All of those variables are often ignored when people start talking about interest rates, until you start to have that reasonable, rational conversation that helps them identify what the math is. Because the math won't lie, right? The math will not lie.   Keith Weinhold (00:19:29) - Yeah, that's right. Things more important than interest rate with an investment property might be the price you're paying for that property, or the level of rent that's there, or even maybe knowing you already have a good property manager that you trust in that market where that property is. But of course, rates matter somewhat. Now we're going to get a future looking prediction from you later. But your last mortgage rate prediction, Charlie, you may not remember the details of it. It was made here on the show in November of 2022. That's when rates were 7%. Back at that time, you said that rates should keep climbing but at a slower pace, and that happened. And you predicted the peak by spring of 2023 of 7.625%. What happened is in October of 2023, they hit 7.8% per Freddie Mac.   Keith Weinhold (00:20:17) - So you almost completely nailed it because most everyone believes that that was the peak for this cycle. And if so, you're within a few months in just 2/10 of 1% of identifying the peak.   Caeli Ridge (00:20:32) - Thank you Keith. I appreciate that acknowledgement. I get it right a lot. My crystal ball has been broken several times over, especially the last couple of years, so I'll want to acknowledge that too. I pay attention to the fed and as a good friend of mine is always saying, don't fight the fed if you are listening to what they're saying, actually listening to the words that are coming out of their mouths, it's not too terribly hard to kind of predict where we're going to be in certain milestones of any given year. So I do have a good prediction for this year. We'll share later. As you said, rates are not completely irrelevant. I just want to impress upon your listeners that they really should be looking at the investment holistically, and not just laser focused on that interest rate. There's more to it.   Keith Weinhold (00:21:15) - That was excellent. You have more audacity than me when it comes to predicting interest rates. It's a business I typically stay out of, so I'm going to outsource that to you later. I'll predict things like real estate prices, but I think rates are notoriously difficult. And what's happened with rates now that they have come off their peak substantially from back in October of 2023. What's happened with the refinance business, is that something that's picked up again there?   Caeli Ridge (00:21:39) - Yeah, we're starting to see a bit more. I would say that last year refi numbers were down right for obvious reasons. But we are seeing some more business in the refinance department. I think depending on the individual and largely the strategy of the investment, the long term versus the mid-term versus the short term, we're seeing a little bit more on the refi side for the short term rentals than we are in the long term. But overall, yes, I would agree that they're starting to pick up. I may mention to Keith it might be useful for the listeners.   Caeli Ridge (00:22:06) - So while I agree, we've seen that interest rates started on their descent, which was great news, everybody was excited to see that. We're still finding that the points that are being secured or paid on, especially investment property loans, are still on the high end of the spectrum. And for those that aren't aware of the why behind that, how might be important. Just to mention that when we talk about mortgage backed securities, the overall servicing of these mortgage backed securities that are bought and sold and traded on on the secondary markets, they're pretty smart in forecasting when rates are high, what happens to those mortgages? When they come back down, they start to refinance, right? They start to pay off. And the servicing rights of these loans take 2 to 3 years before they're even profitable. So the servicers and the secondary markets know that they have to charge those extra points to hedge their losses, because when the loans that they're paying for and servicing today are going to pay off in six months or 12 months, they're going to be at a loss.   Caeli Ridge (00:23:01) - If it takes them 24 to 36 months to be profitable. That's why investors are seeing especially investors are seeing extra points being charged on the loans that they're securing today.   Keith Weinhold (00:23:12) - Oh, that's a great explanation. And really, this is because there's no prepayment penalty associated with residential mortgage loans in the United States typically. So therefore, the person that's on the back end of these loans, the investor there needs to be sure that they're compensated somehow when one goes ahead and maybe refinances out of their loan at a presumably lower interest rate, maybe in as little as 12 months or so.   Caeli Ridge (00:23:39) - Yes, sir. Exactly right. Yeah. And prepayment penalties on conventional. There are no prepayment penalties on conventional. Just to clarify on a non QM product which of course we have to, you know, debt service coverage ratio products etc. on non-owner occupied those typically will have prepayment penalties. But the Fannie Freddie stuff, the GSE stuff no prepay ever.   Keith Weinhold (00:23:57) - Now the rates have come down presumably off their peak in this cycle. You know, I think a lot of people wonder about all right now, what's a prudent way for me to harvest my equity since we have near-record equity levels in property and yet keep my low rate mortgage in place? I think a lot of people don't even understand that you can do that and take a second mortgage to access some of that dead equity.   Keith Weinhold (00:24:20) - What are your thoughts?   Caeli Ridge (00:24:21) - I love a keylock in general. We do now have one of our newer product lines is a second lien lock. We have two options there. Both of them cap at 70% LTV. That's combined loan to value. So all you need to do to figure out what you're going to have access to is take the value that you think the property would appraise for times 70% from that number, subtract the first lien balance, and that will give you what your line on a key lock. Secondly, and position you lock would be. And I love it.   Keith Weinhold (00:24:49) - All right. So therefore if one has 50% equity in a property they could access 20% more up to that 70% CLTV. That combined loan to value ratio between your first mortgage and your second mortgage, which might take the form of a keylock a home equity line of credit.   Caeli Ridge (00:25:07) - Perfectly said. We also have second lien he loans worth mention. He loan is really exactly the same thing as your first lien mortgage. It's a fixed rate.   Caeli Ridge (00:25:15) - Second it's just in second lean position 30 year fixed. Those go to 85% CLTV. So you get quite a bit more leverage. But the rates are going to be on the 1,213% range.   Keith Weinhold (00:25:27) - That's interesting. Tell us about some more of the trade offs between the key lock, where we typically have a fixed rate period in a floating period afterwards, and the he loan some more of those trade offs as we devise our strategy.   Caeli Ridge (00:25:41) - Yeah. The key lock is variable right. The interest rate can change. As you said. The reason I prefer the He lock, if the numbers made sense, is that you're only paying interest on monies that you're using at that point in time. So if you had $100,000 key lock and you're only using 20,000 of it for whatever investment purposes or whatever, then you're paying interest just on the 20 that he loan is exactly as you would expect. You're getting all of that money at once, and you will be paying interest on all of it, whether or not you're using it.   Caeli Ridge (00:26:10) - There's less flexibility on a key loan. While it does provide extra leverage, I do generally prefer that he lock.   Keith Weinhold (00:26:18) - Now, sometimes a question that I've asked myself in the past, Charlie, when I was new as an investor, is sort of why wouldn't I take a second mortgage? He lock or he loan? Because I don't necessarily have to draw against it, but it might be good for me to have it as an option just to be sure that it's there.   Caeli Ridge (00:26:36) - Absolutely. Especially the key lock, because like I said, I will not pay interest on anything you're not using. And to have it when the time comes, right. If you want to be prepared, which I think is huge. We both agree there. The one thing I would mention about that though, is oftentimes on the helocs there will be a minimum draw at closing. You can put it right back after closing, but chances are there's going to be a 50,000 or 100,000 minimum draw, depending on what the line limit is.   Caeli Ridge (00:27:01) - Maybe 75% of the entire limit is what the minimum draw would be. But again, you can put it right back after closing. So maybe you pay 30 days of interest on that before you're able to to stick it back in the lock. Otherwise, it's one of my favorite strategies for investors and having access to those funds when the time comes.   Keith Weinhold (00:27:20) - That's an interesting piece there. So you as an investor is you're devising your strategy as you're looking at the equity position in your own home as well as your rental properties. Maybe you're looking at a low rate of, say, you have a 4% mortgage loan, but you've had a bloated equity position, and you go ahead and you take out a second mortgage in any of the forms of Charlie is talking about. And that second mortgage has, say, a 10% interest rate. Well, you don't simply take the 4% on your first loan and your 10% on the second and average it and say, well, now I'm paying 7%. Of course, you have to wait those averages.   Keith Weinhold (00:27:56) - It's pretty likely that you have a higher mortgage balance on your first loan than your second loan. So depending on their balances, therefore, if your first mortgage has a 4% interest rate and your second mortgage has a 10% interest rate, you're blended rate might be something like five and a half.   Caeli Ridge (00:28:10) - Exactly right. And there's all kinds of tools and calculators online. If somebody wanted to check that out you can find them very easily. Just the weighted average of mortgage rates. And you can plug in your numbers. It'll tell you exactly if you're using this amount or this amount or whatever it is, what your weighted average would be.   Keith Weinhold (00:28:27) - Yeah, definitely important for you as an investor checking your arbitrage and your cash flow. Certainly, Charlie, I wonder now that we are in an environment finally where rates have actually fallen, how is the appetite for arms adjustable rate mortgages looked in there?   Caeli Ridge (00:28:44) - We're still on what's called an inverted yield from the 0809 housing and lending kind of debacle, we found ourselves in a place where adjustable rate mortgage or arm's actually priced in interest rate higher than a 30 year fixed, creating that inverted yield.   Caeli Ridge (00:28:58) - We have yet to see the correction of that. So we're still kind of in that place where depending on the characteristics of the transaction, the arm might be a higher interest rate. Maybe it's about the same as the 30 year fixed. If there is a scenario where the arm is lower, it might be an eighth or a quarter of a percentage point. So it's unlikely that we would recommend an arm over a fixed. There'd be have to be some very specific circumstances. If it's only a quarter point improvement to rate for a five year arm versus a 30 year fixed.   Keith Weinhold (00:29:26) - Charlie, you deal with so many investors in there, both newer investors and veteran real estate investors. So when we talk first about the new investors, are there any just sort of common obstacles to overcome that you see in there for people that are looking to get their first investment property?   Caeli Ridge (00:29:45) - I think they're why a lot of times we'll have investors come to us and really not even understand more than they just don't want their money in the stock market anymore, and they want to find another venue or another vehicle in which to create their investment freedom, their financial freedom through.   Caeli Ridge (00:29:59) - So I would say for brand new investors, really start to ask that question, what is your why? What is it that you want to get out of this? Do you want total replacement income of your ordinary income today? Do you love what you do for work and you just want supplemental income? How much does that income need to be? Does it need to be what you're making today? Can it be a little bit less? Does it need to be more based on what you expect your lifestyle to be? So lots of different questions to be asking yourself. So I would say that commonly just really understanding at least a baseline. And then we can start connecting some dots together and planting seeds that I talk about a baseline of, of what it is that you're hoping to accomplish through real estate.   Keith Weinhold (00:30:37) - So that's what you often see with the beginning investor. How about that repeat investor. Their obstacles to overcome that are common in there on expanding one's portfolio. Maybe that's a debt to income ratio threshold that one reaches and you need to strategize with them there.   Caeli Ridge (00:30:54) - Yeah, the debt to income ratio problem ultimately when you get there is probably a good problem to have, right when you're having to have conversations that way. I think that the obstacles to overcome is making sure that you have a good support team, and I think that would start with your lender, someone that has a multitude of loan products that aren't just one size fits all. I would say that we check that box very well, but strategizing. One of my favorite conversations with my clients is having those strategy one on one calls about their debt to income ratio and figuring out from a scheduling perspective, how can we maximize their deductions, because that's one of the beautiful things about real estate investing, right? Is that schedule E so maximizing over there without it taking you over certain thresholds to continue to qualify, there can be a weighted scale there as well. And those are the conversations that we have with our clients usually earlier in the year. But we're always looking at our client's draft tax returns. That's important.   Caeli Ridge (00:31:47) - Before you ring that bell, get us copies of your draft tax returns so that we can run the math, and we'll even show them how the pluses and minuses work. It's pretty interesting to most people. And then come up with a solution that says, okay, if you want to do this for 2024, here are our recommendations X, Y, or Z. And then they can make the informed decision that fits what their goals are for the year.   Keith Weinhold (00:32:08) - Yeah, these are the scenarios that a mortgage loan company that specializes in income property loans can help you with your future planning. How can you set yourself up considering your personal situation, your tax deductions, how much income do you want to show, and all those sorts of things to give you more runway to add income properties to your portfolio. And you do see so many scenarios in there and so many investors. Sometimes when you're here, I like to ask you to get a temperature of the appraisal market. What percent of appraisals are you seeing coming high on and what percent are coming in low? Approximately.   Caeli Ridge (00:32:43) - We're probably over 50% on the high, but not by any large margin. I'll see 10,015 thousand regularly over what we had expected in the actual value. Pretty commonly, just right on the money, right on the mark. I think it's real market specific, to be sure. I don't see that the short values come in all that much. If it is, generally it's probably because the investor is brand new, didn't unfortunately talk to us in advance. They were doing the BR method and they didn't get the right comps or have the right advice about what that RV might end up being. So they got trapped in a situation where they learned the hard way.   Keith Weinhold (00:33:21) - Interesting. I don't know that I remember that from the past, where more than 50% of appraisals have come in high. That pretends well for future valuations, at least here in the near term. All right, Charlie, well, we talked about your record with mortgage rate predictions here and how good that track record was. Why don't you let us know where you think mortgage rates are going to be by the end of 2024.   Caeli Ridge (00:33:45) - I do think that the rates are going to be higher for longer. Don't fight the fed, remember? Listen to what they have to say. I would preface this by saying that all of the indicators for inflation, except for one of them, have been hot to the side. That does not help us with interest rates. The employment jobs report, you've got the CPI, all these different metrics have come in hot where they're higher than what we would want to see them for that inflationary measure, where the feds have been extremely clear that they want to hit that 2% mark, where that number came from, I don't know. That's another conversation. There's only been one metric that actually worked to the rate environment to get it lowered, which is the PCE, the personal consumption expenditure. For those that aren't familiar with that acronym, I think they're going to be higher for longer. There's been a lot of headlines out there saying that I'm getting to a rate. I promise. I'm just going to to preface this first, that March might be the first reduction in the fed funds rate, which, by the way, remember, is not the same as a long term 30 year fixed mortgage rate.   Caeli Ridge (00:34:42) - There are links to them, but they are different. I don't think that's going to happen. I think that if we're going to see rates come down, the first fed funds rate reduction, probably sometime in June, is where I may put my predictions. And then by the end of the year, the interest rate, I'm going to put at 6.125 for 30 year fixed mortgages and non-owner occupied purchase with 25% down. That's my prediction.   Keith Weinhold (00:35:09) - You are on the record though, and it's so interesting, at least with what the fed does with rates generally. It's like an entire world where good news is bad news, right? If you've got great job growth and great GDP, well, that's bad news because they're probably going to keep rates high since those things tend to keep inflation high. It's like, what if you want the lowest mortgage rate, everyone in the world would be unemployed except you. You know, it's just so funny. I'm glad you said that. Yeah.   Caeli Ridge (00:35:36) - The worse the economy is, the better the rates are.   Keith Weinhold (00:35:38) - Yeah. That's right. You offer so many products in there, mostly to investors, but you have other ones that it's not just for buy and hold type of investors. It's for those that are doing better strategies like you mentioned in other strategies. Well, you tell us about all the loan types that you offer in there.   Caeli Ridge (00:35:54) - Yeah, we do have quite a few. Thank you for asking. So we start with the Fannie Freddie's. We call these the golden tickets. Everybody. Highest leverage, lowest interest rate. A lot of times the newer investors will start by exhausting those. There are ten per qualified individual. If you're a married couple, you can have up to 20, as you and I have talked about in the past, Keith. Beyond that, we've got something called Non-cumulative. QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the definition of what a qualified mortgage is. So everything outside of that box of underwriting is now non QM. And non QM in and of itself is extremely diverse, not just for investors, for anybody, but within that subset of product you've got debt service coverage ratio where there is no personal income documentation.   Caeli Ridge (00:36:33) - It's all about the properties rents divided by the payment. We have bank statement loans in there. We've got asset depletion. So if you've got $1 million in an exchange, a stock exchange account, there's a formula that we can use to utilize that as income. Beyond that, we have short term bridge loans for those that are fixed and flipping or fixed and holding where you need cash for the purchase and the renovation or rehab. So we have second lien helocs. Those are newer to our product line. So I'm pretty excited about those. We touched on that. We have commercial loans for commercial property, commercial loans for residential if it were applicable. And then of course the all in one, which is a first lien Helocs still my favorite, but we've spent lots of time talking about that. So that's probably a good overview or at least abbreviated checklist of products we have.   Keith Weinhold (00:37:16) - And I've got investor loans in there myself or new purchases I've done investor loans in there myself or Refinancings. I mean, you're who I go to for my own loans and you're in nearly all 50 states, right? And these are the states where the property is not where the investor resides.   Caeli Ridge (00:37:34) - Yes, sir. Exactly right. We are in 48 states. We are not in New York or North Dakota. Otherwise we're going to be funding everywhere that they're looking to purchase, refi, sell, etc..   Keith Weinhold (00:37:45) - We'll let our audience know where they can learn more, because I know you offer a lot of good free tools, like something we didn't get a chance to talk about a first lien helocs all in one loan. Like for example, you have a simulator there when an investor can just go ahead and run through that. So we're one find all of those resources.   Caeli Ridge (00:38:03) - So check out our website. There's a lot of good information on there. Lots of video content free education. The simulator link will be on there. If you wanted to check out the comparison between what you have now, your 3% interest rate, or your 2.5% interest rate compared to this all in one. I'll tell you guys that I've run that scenario all the time, and people are very surprised when they see that this adjustable rate first line is beating the pants off of a 2.25% rate.   Caeli Ridge (00:38:26) - So check that out. Our community is in the website we meet every other Tuesday. It's called live with Charlie. That's Ridge Lending group. Com. Email us info at Ridge Lending Group. Com and then you can call us of course toll free at (855) 747-4343. The easy way to remember is 85574 Ridge.   Keith Weinhold (00:38:45) - Charlie Ridge. Informative as always. And brazen. With the mortgage rate predictions. You can learn more about how they can help you at Ridge Lending group.com. It's been great having you back on the show Charlie.   Caeli Ridge (00:38:58) - Thank you Keith.   Keith Weinhold (00:39:06) - Oh, yeah, there's such experienced pros in there. And as you can see, they offer nearly every loan type. In fact, there were so many that I almost asked her, do you even loan lunch money to elementary school kids? Uh, because, uh, because they've seemingly got a loan type for most every real estate investment scenario that there is primary residence loans as well. Helpful people over there at Ridge. In fact, I even visited their headquarters office and I was hosted by Charlie there one day.   Keith Weinhold (00:39:38) - See what they can do for you in there. They are real strategists in helping you grow your real estate portfolio, going beyond just what a typical retail mortgage company does. It helps people with primary residences. You can join their free community events too, and they've really expanded their educational offerings to a giant degree the past couple of years. Financially free beats debt free, and she helps bring it to life and make it real. So big thanks to Charlie Ridge at Ridge Lending Group. Until next week, I'm your host, Keith Wangled. Don't quit your day dream.   Speaker 5 (00:40:17) - 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.   Speaker 6 (00:40:45) - The preceding program was brought to you by your home for wealth building. Get rich education.com.