Podcasts about illustrates

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

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

  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.

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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

Wondering how to buy cryptocurrency? You're not alone - and that's exactly why The Crypto Merchant has penned this tutorial. The entire process is much simpler than you think: just read this guide at https://www.thecryptomerchant.com/blogs/resources/how-to-buy-cryptocurrencies-a-beginner-s-guide-to-safe-and-smart-investments to find out more! The Crypto Merchant City: Daytona Beach Address: 609 South Ridgewood Avenue Website: https://www.thecryptomerchant.com/

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

“Everything that irritates us about others can lead us to an understanding of ourselves.” Carl Gustav Jung 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/  

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

On today's show, I open with a short recap of my time at the Road to the Majority Conference that was put on in Washington, D.C., put on by the Faith and Freedom Coalition. Each day for the next 13 weekdays, I will drop a special bonus episode of my interviews with many of the guests who spoke at the conference. So, depending on how you get my daily show, make sure to watch for the BONUS episodes each weekday. Then, because I did not have a show on Thursday or Friday, I open with Tara Bull's Top 10 News items the Legacy/mainstream media likely didn't talk about last week. It's always interesting to see what my audience already knows compared to those who only watch those outlets of propaganda. We already know Joe Biden is deep in debate prep for this coming Thursday on CNN. Well, it seems CNN may also be in deep prep as well. By way of example, we turn to Kasie Hunt who was interviewing Trump spokesperson Karoline Leavitt. Rather than have to listen to truth, Kasie talked over the guest and then shut off the mic and shut down the interview. So much for truth. But, looking at what Karoline Leavitt was trying to say, it's no wonder Kasie wanted to shut it down. The lack of objectivity from Jake Tapper and Dana Bash as “moderators” is atrocious. Even Kasie herself is a horrible Leftist who took joy when Senator Rand Paul was beaten and sent to the hospital by a rabid Democrat. It took seven years, but the breaking news from over the weekend from the fact-checking site Snopes, that Donald Trump never said white supremacists were “very fine people.” This audience has already known that for that seven years, but it's nice to see the rest of the world finally catching up to the truth. Maybe that's why the Left is losing their minds. Victor Davis Hanson put a piece describing the anatomy of a full leftwing meltdown and we are seeing it in full display. Mitch Landrieu, co-chair of the national Biden-Harris campaign was on Meet the Press and had no idea why so many Latino voters are running from Joe Biden. He also believes Joe Biden is still mentally sharp as a tack, is on the ball and the smartest guy in the room, so long as that room is behind closed doors. In the meantime, in the heart of deep blue Philadelphia, Donald Trump held another massive rally and his supporters are from every demographic and it's growing. A legal immigrant was in fire when interviewed about the rally as was an seasoned citizen. While Biden is out there with messages of anger and division, stuttering and wandering off to shake hands with invisible people, Trump is positive, uplifting and uniting. On that note, we close with one of the moment from this weekend's conference. Tulsi Gabbard reminded us of a different speech given in Philadelphia, by Joe Biden. In his best impression of V for Vendetta, Gabbard reminded us that Biden called all Trump supporters domestic terrorists. She then went on to describe the traits of those so-called enemies of democracy. Turns out, she's describing what we used to call patriotic Americans who love our country as founded and the Constitution of the United States of America. Take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR and TRUTH Social by searching for The Alan Sanders Show. You can also support the show by visiting my Patreon page!

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,...

The Democrats' only hope of stopping Trump is in court. Biden's open border continues to wreak havoc. Doctors were bribed to push the COVID vaccine. Warren Petersen, Art Del Cueto and Michelle Ugenti Rita join the show.

#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

A caller to Politics Done Right, even as he understood the issue of the Boeing Super Max planes and more, took a stance in defense of the corporation; read greedy executives. --- Send in a voice message: https://podcasters.spotify.com/pod/show/politicsdoneright/message

Presidio Student Insights: A Winning Pitch from the Next Generation of Sustainable Investors In this episode, hosts Chris Ito and Georges Dyer engage in a captivating conversation with a trio of students from Presidio Graduate School, who were members of the team that emerged victorious in the IEN's 2023 Student Corporate Engagement Challenge in the Graduate category. The challenge encourages students to pitch an investment in a publicly traded company, coupled with a shareholder engagement strategy. The conversation focuses on their investment pitch for First Solar and its groundbreaking thin-film cadmium telluride technology, offering a more sustainable alternative to traditional solar panels. Guests The winning team members from Presidio Graduate School include Callie Greene, Stephanie Motta, Claire Nevels, Kate Vachon, and Lauren Novak.  In this episode, Georges and Chris talk with Callie Green, Steph Motta and Claire Nevels Highlights Explores the rationale behind an investment in First Solar Underscores the importance of engaging on diversity, equity and inclusion (DEI), especially in leadership, as an area where companies can improve and unlock economic value. Illustrates the pivotal role of educational institutions in empowering students to advocate for systemic changes towards a more sustainable and just world. Showcases the proactive steps being taken by the next generation in aligning investment strategies with the urgent need for environmental and social justice.

Listen to the full-length version or read the manuscript of this message here: https://wfth.me/pap. We know that there is no works-based test to become a Christian. You don't have to present your bank account to God and prove how poor you are for Him to allow you into heaven. So why does Jesus connect our entrance into God's kingdom with how much money we have? As Stephen Davey explains, it's not a matter of prosperity, it's a matter of priority. Money is not the same as love of money--particularly the love of money that supersedes all other loves. That's the lesson Jesus taught the rich young ruler, and it's a lesson He's still teaching today.  

Listen to the full-length version or read the manuscript of this message here: https://wfth.me/pap. We know that there is no works-based test to become a Christian. You don't have to present your bank account to God and prove how poor you are for Him to allow you into heaven. So why does Jesus connect our entrance into God's kingdom with how much money we have? As Stephen Davey explains, it's not a matter of prosperity, it's a matter of priority. Money is not the same as love of money--particularly the love of money that supersedes all other loves. That's the lesson Jesus taught the rich young ruler, and it's a lesson He's still teaching today.  

"There's something very lovely about feeling like, well, it's not my name, and it's not me, it's just the books.” - LeUyen PhamTo listen to LeUyen Pham is to feel inspired. She is full of hope and ideas and sees potential everywhere and in everyone. In LeUyen's ideal world, diverse representation is a natural outgrowth of art that truly reflects our world. Her career as an artist and writer has been her contribution to making that a reality. Her career as an artist and writer has been her contribution to making that a reality. If you have ever read a book that LeUyen illustrated, you already know this to be true. The diversity we see in LeUyen's pages is at once realistic and aspirational. Her illustration credits include over 130 books, such as “Bear Came Along,” recognized with a Caldecott Honor, the popular “The Princess in Black” series, “Lunar New Year Love Story,” and my kids' favorite when they were younger, “Grace for President.” She has also illustrated and written a few of her own, including the award-winning “Outside, Inside” and “Big Sister Little Sister.”In this episode, LeUyen tells us why she prefers to be an “art chameleon” (and how that led to challenges early in her career). She talks about how support from her teachers showed her that a career as an artist was even a possibility and how an accusation of cheating (well, not really) put her on the right path.***Connect with Jordan and The Reading Culture @thereadingculturepod and subscribe to our newsletter at thereadingculturepod.com/newsletter.***In her reading challenge, Chasing Home, LeUyen gets personal and invites us to explore the concept of what home means, especially from her perspective as a refugee.You can find her list and all past reading challenges at thereadingculturepod.com/leuyen-phamThis episode's Beanstack Featured Librarian is Marva Coney, a librarian at Jackson Intermediate in the Pasadena Independent School District. She shares a story about just how important books can be as kids start to grow and experience newer and harder parts of life for the first time.ContentsChapter 1 - Temple City and Bill Peet (2:06)Chapter 2 - From Wynne to LeUyen (8:16)Chapter 3 - The Witch of Blackbird Pond (10:01)Chapter 4 - Art Chameleon (18:51)Chapter 5 - Incidental Diversity (24:55)Chapter 6 - The Artist Shows Herself (31:05)Chapter 7 - Chasing Home (36:52)Chapter 8 - Beanstack Featured Librarian (38:18)LinksThe Reading CultureThe Reading Culture Newsletter SignupLEUYEN PHAM (@uyenloseordraw) • Instagram photos and videosLeUyen Pham (she/her) - The Author VillageThe Reading Culture on Instagram (for giveaways and bonus content)Beanstack resources to build your community's reading cultureHost: Jordan Lloyd BookeyProducer: Jackie Lamport and Lower Street MediaScript Editors: Josia Lamberto-Egan, Jackie Lamport, Jordan Lloyd Bookey

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.

FINANCIAL ATTITUDE ADJUSTMENTUNDERSTANDING THE HEART'S ROLE IN FINANCIAL ATTITUDES:Financial attitudes reflect one's spiritual health, as wrong attitudes towards money and possessions stem from the heart, mirroring a broader spiritual condition.Jesus identified the root of evil thoughts, including greed and envy, as originating from the heart (Mark 7:21-23), highlighting the spiritual battle within. THE BATTLE AGAINST SINThe struggle with sinful attitudes like envy, pride, and greed is common, even among devout believers like the Apostle Paul, who shared his own struggles in Romans 7:21-24.Overcoming these attitudes requires divine intervention, as Paul acknowledges deliverance through Jesus Christ. CULTIVATING RIGHT ATTITUDES TOWARDS MONEYRight financial attitudes include serving Christ, stewardship, gratitude, and seeking wisdom, reflecting virtues like love, generosity, humility, and kindness.Larry Burkett emphasized that spiritual values should be mirrored in one's finances, honoring God and leading to a more fulfilling financial life. THE PROMISE OF GODLY LIVINGRighteous living, characterized by trust in God rather than material wealth, promises peace and the opportunity to serve Jesus, despite not guaranteeing material prosperity.Scriptures such as John 10:9, Psalm 37, and Romans 8:10 highlight the blessings of living with godly attitudes, including salvation, peace, and hope. CALL TO ACTIONThe monologue concludes with a call for listeners to examine their financial attitudes, emphasizing that the significance lies not in the amount of money one has but in the attitude towards money and possessions.It warns against attitudes of pride, selfishness, greed, envy, and dishonesty, encouraging listeners to pursue a relationship with Christ for a life marked by peace and hope. SCRIPTURES MENTIONEDMark 7:21-23: Illustrates the origin of evil thoughts and attitudes from the heart.Romans 7:21-24: Paul discusses the internal battle against sin and the law within himself.John 10:9: Jesus promises salvation and abundant life to those who enter through Him.Psalm 37: Encourages trust in the Lord for a hopeful future and inheritance.Romans 8:10: Highlights the life and peace given through the Spirit because of righteousness. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:As my husband and I approach retirement and streamline our finances, what is the best way to maintain my own credit score, considering we're reducing our credit cards and I'm not the main breadwinner?My husband's FICO score on our Citibank Costco card suddenly dropped to 598 according to the card's report, but Equifax and Experian show no changes and maintain his score is over 800. How do we resolve this discrepancy?We've sold our home and will soon receive $450,000 in proceeds. As we're in our late 50s with no children at home and uncertain about buying a new house, what should we do with the money in the meantime?If I have my credit accounts frozen to protect against fraud, is it still beneficial to use a service like LifeLock, or is it unnecessary?I've seen ads for home title theft protection services. Considering my accounts are frozen, is investing in title insurance or similar protections worth it? RESOURCES MENTIONED:AnnualCreditReport.comBankrate.com Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach. Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Curtis illustrates why Doc Rivers keeps getting jobs and Belichick isn't

#Markets:  The amazing March 12, 1968 and how it illustrates the Biden risk and reward Liz Peek The Hill. Fox News and Fox Business https://www.foxnews.com/opinion/biden-make-history-wrong-reasons 1967