Podcasts about Chile

Send Us Your Prayer Requests --------Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

When people enter a room, you instantly get a sense of their disposition in life. Are they smiley? Frowning? friendly? Gregarious? and you instantly if this is going to work. I knew instantly that this was going to work when Cecilia Guzman walked into the studio.  Sitting down in the studio in beautiful Southern California for this episode of Wine Talks was a real treat—one of those times you just know you've got the right guest in the right seat. Cecilia Guzman, winemaker at Haras de Pirque (and yes, I stumbled through the name a couple of times—years of Spanish and still getting tripped up), joined me for a conversation that took us deep into the world of Chilean wine, from the fun of making it to the relentless challenge of selling it. Right from the top, Cecilia hit me with one of those insights I love: “Making wine is kind of easy. It's fun and easy, but selling wine, it's another stuff.” Isn't that the story of this business? We're all drawn in by the romance—the vineyards, the sunshine, the “lifestyle”—but it's once the barrels are tucked away and the corks are in the bottles that the real grind begins. And, as she pointed out, the business has changed dramatically in the last twenty years. Getting your label noticed in today's flooded market is a whole different challenge than staking out your vineyard back in the day. Now, Cecilia's story isn't the usual “dreamer buys some vines” tale. She's the general manager and winemaker at Aras de Pirque, a property now 100% owned by the Antinori family—six hundred years in wine. Yes, you read that right, six centuries! I always marvel at how these wine dynasties, whether Italian, French, or American, get the itch to go explore somewhere new. In this case, the Antinoris, looking for that “departure from the regular,” were drawn to Chile's potential—the terroir, the freedom from strict appellation rules, the lure of doing something different. Cecilia's philosophy on wine really shines when she talks about letting the place shine through—how it's not about making the best Chilean Cabernet, but making the best wine for that unique spot in Pirque. That notion of terroir, of honest wines that truly express where they're grown, is something I can get behind. The challenge, as we both lamented, is getting that magic to translate to the consumer, bridging that gap from heartfelt winemaking to the retail shelf. But what I found most refreshing was her practical outlook. She sees Chile as a land with advantages—natural barriers, low disease pressure, and a real push towards sustainability. There's a bit of humility in her voice when she talks about how Chile can almost do “organic by default.” Yes, their greatest challenge is, as she puts it, the weeds! (The kind in the vineyard, not the grain—note to self, remember the translation next time). What really stuck with me, though, was Cecilia's sense of continuity and patience. When you only get one shot a year, it takes decades to build real wisdom—and she's been racking up vintages for thirty years. The Antinoris may have centuries behind them, but every year in Chile still brings new lessons, new surprises, new stories. And isn't that just the heart of wine? It's history in a bottle, culture at the table, a product that's always made better when it brings people together—at home in Chile, or halfway across the world. If you ever get the chance, I'll tell you, visiting Chile is on that bucket list. From the vineyards to the Andes to those family tables where stories linger as long as the finish on a great Cabernet. Cheers to Cecilia, and to the stories we keep uncorking together. Haras de Pirque  Website: https://www.harasdepirque.com/ Antinori Family (Marchesi Antinori) Website: https://www.antinori.it/ Los Vascos Website: https://www.lafite.com/en/the-domaines/los-vascos/ (Owned by Domaines Barons de Rothschild (Lafite)) Undurraga Website: https://www.undurraga.cl/ Don Melchor Website: https://www.donmelchor.com   #winepodcast #Chileanwine #CeciliaGuzman #PollyHammond #winemaking #winetourism #AntinoriFamily #sustainablewine #terroir #vineyardmanagement #winemarketing #womeninwine #organicfarming #Argentinewine #CabernetSauvignon #Merlot #wineculture #biodynamicwine #wineindustry #foodandwinepairing  

Analizamos el impacto social y psicológico en las comunidades refugiadas y migrantes de las protestas multitudinarias realizadas en Australia. También, te compartimos la historia de un emprendedor que ofrece los sabores de Australia en un café en Chile, entre otros temas.

El 2 de septiembre de 2011 ocurrió el accidente aéreo del C-212, que impactó contra la superficie del mar al aproximarse a la isla Robinson Crusoe, Chile.La noche del 3 de septiembre de 2011, las autoridades aeronáuticas declararon oficialmente que los 18 pasajeros y 3 tripulantes fallecieron producto de la violencia del impacto.​ 

GURUDEVA ATULANANDA (Srila Bhaktikavi Atulananda Acharya Swami) ), discípulo de Srila AC Bhaktivedanta Swami Prabhupada (1896-1977) , dedicou-se inteiramente a propagar a missão de seu mestre, para a qual fundou no Chile, junto com seus colaboradores, a Congregação Sarasvat Gaudiya Seva, com filiais dentro e fora do país.Áudio retirado vídeo original do canal do Telegram "Cápsuloas de Amor" - https://t.me/CAPSULAS_AMORSAIBA MAIS - Acesse: https://www.atulanandadas.cl/biografia/ACOMPANHE-NOS NAS REDES SOCIAIS - ACESSE: https://harmonizesuavida.my.canva.site/semeandodevocaoCANTE E SEJA FELIZ!HARE KRISHNAHARE KRISHNAKRISHNA KRISHNAHARE HAREHARE RAMAHARE RAMARAMA RAMAHARE HARE

En la edición de Los Tenores de este lunes 1 de septiembre, nuestros panelistas analizaron el triunfo 1-0 de Colo Colo ante la Universidad de Chile por el Superclásico del fútbol chileno. Gonzalo Jara, Rodrigo Hernández, Víctor Cruces, Danilo Díaz y Carlos Costas comentaron el conflicto entre Javier Correa y Michael Clark una vez terminado el partido, la llegada al país de Fernando Ortiz, nuevo entrenador de los albos, y el viaje de la delegación de Azul Azul a Paraguay para el juicio ante Conmebol tras la barbarie de Avellaneda. Además, conversaron con Bruno Cabrera, defensor de Coquimbo Unido, equipo puntero del Campeonato Nacional 2025, y supieron del fichaje de Alexis Sánchez por el Sevilla, para lo cual dialogaron con el periodista de Cadena SER Sevilla, Florencio Ordoñez. Revive la edición de Los Tenores de este lunes 1 de septiembre y no te pierdas ningún detalle del “clásico de las dos”, donde también votaron una versión del Futbolómetro de ADN.See omnystudio.com/listener for privacy information.

PDA - Los Teros vencieron a Chile de visita y siguen su camino hacia el Mundial de Australia 2027 by En Perspectiva

La ministra de Agricultura, Ignacia Fernández, junto a autoridades de ODEPA y SAG, encabezó una fiscalización en la región Metropolitana en el marco de la Ley de la Carne, instancia en la que detalló que el Servicio Agrícola y Ganadero realiza más de 7 mil de estos operativos en el año, con énfasis en vísperas de Fiestas Patrias.

Las candidaturas enfrentan sus propios desafíos. La carta presidencial de Unidad por Chile, Jeannette Jara se despliega hoy en Coyhaique. La noche de este domingo, según reporteó Beatriz Apud, Jara se reunió con presidentes de partidos del oficialismo en la casa de la senadora Paulina Vodanovic, incluyendo a Lautaro Carmona, el que dejó la grande con sus declaraciones de los últimos siete días. Según los que estuvieron en el encuentro, no hubo tensión y Carmona tuvo tiempo de explicar que sus palabras fueron amplificadas más allá de lo conveniente. El presidente del PC tiene otro frente, sigue defendiendo a Daniel Jadue y criticando a la fiscalía, sugiriendo que manipuló testigos para perseguir al ex alcalde. Y el segundo tribunal electoral revisa el asunto de esa candidatura, que no sería viable con la acusación del Ministerio Público. En lo de Matthei, el piñerismo se reúne esta tarde en su apoyo, después de que varios dirigentes que estuvieron en los gobiernos del fallecido ex mandatario aparecieran la semana pasada apoyando a José Antonio Kast.

Alexandre Garcia comenta retirada de cautelares contra Marcos do Val, CPMI do INSS, decisão que livrou Paulo Bernardo no STF, e eleições na Bolívia e no Chile.

Una de mis entrevistas favoritas de las sobre mil que he hecho relacionadas al mundo del vino. Descubran más de Ricardo en Los Juegos del Sommelier. También visiten este enlace para las clases online que ofrece este genial sommelier chileno. Gracias por escuchar, comentar, compartir y seguirnos en el podcast. Disculpen el lenguaje explícito pero sentí esta charla como una conversa con un amigo de toda la vida que hasta me olvidé había micrófono. #Chile #vino #sommelier #vinochile #AprendeDeVino

Rahel Jaeggi zur Krise des Liberalismus und möglichen Alternativen.  Shownotes Rahel Jaeggi an der Humboldt-Universität zu Berlin (inkl. Publikationsliste): https://www.philosophie.hu-berlin.de/de/arbeitsbereiche/jaeggi/mitarbeiter/jaeggi_rahel das Center for Social Critique: https://www.philosophie.hu-berlin.de/de/arbeitsbereiche/jaeggi/hscberlin/hscberlin https://criticaltheoryinberlin.de/ Jaeggi, R. (2023). Fortschritt und Regression. Suhrkamp. https://www.suhrkamp.de/buch/rahel-jaeggi-fortschritt-und-regression-t-9783518587140 Fraser, N., & Jaeggi, R. (2020). Kapitalismus. Ein Gespräch über kritische Theorie. Suhrkamp. https://www.suhrkamp.de/buch/kapitalismus-t-9783518299074 Jaeggi, R. (2013). Kritik von Lebensformen. Suhrkamp. https://www.suhrkamp.de/buch/rahel-jaeggi-kritik-von-lebensformen-t-9783518295878 Müller, T. (2024). Zwischen friedlicher Sabotage und Kollaps. Wie ich lernte, die Zukunft wieder zu lieben. Mandelbaum. https://www.mandelbaum.at/buecher/tadzio-mueller/zwischen-friedlicher-sabotage-und-kollaps/ der erwähnte Kohei Saito Social Media Clip: https://youtube.com/shorts/WnvhD7p651M?si=BTLXgEoddYjDfmNa Neupert-Doppler, A. (2022). Vom utopischen Sozialismus zur sozialistischen Utopie. Neue Gesellschaft Frankfurter Hefte. Ausgabe 12/2022. https://www.frankfurter-hefte.de/artikel/vom-utopischen-sozialismus-zur-sozialistischen-utopie-3572/ Staab, P. (2022). Anpassung. Leitmotiv der nächsten Gesellschaft. Suhrkamp. https://www.suhrkamp.de/buch/philipp-staab-anpassung-t-9783518127797 Benjamin, W. (2010). Über den Begriff der Geschichte. Suhrkamp. https://www.walter-benjamin-online.de/band/ueber-den-begriff-der-geschichte/ zum Hannah Arendt Zitat: Jaeggi, R. (2022). Solidarität als zärtliche Bürgerlichkeit. Verstreute Überlegungen mit und zur Gemeinschaft der Ungewählten. In: Fitsch, H. et al. (Eds.), Der Welt eine neue Wirklichkeit geben (97-108). Transcript Verlag. https://www.degruyterbrill.com/document/doi/10.1515/9783839461686-009/html Blumenfeld, J. (2024). Managing Decline. Cured Quail, Vol. 3. https://curedquail.com/Managing-Decline zum Zitat zu historisch-technologischem Determinismus: Marx, L. (1885) Das Elend der Philosophie. Antwort auf Proudhons „Philosophie des Elends“. Dietz. https://archive.org/details/ldpd_14861084_000/page/n3/mode/2up zu John Dewey: https://de.wikipedia.org/wiki/John_Dewey zum Pragmatismus: https://de.wikipedia.org/wiki/Pragmatismus Dewey, J. (2008). Logik. Die Theorie der Forschung. https://www.suhrkamp.de/buch/john-dewey-logik-t-9783518295021 zu Hannah Arendt: https://de.wikipedia.org/wiki/Hannah_Arendt Solmaz, K. (2016). Das Politische bei Arendt. HannahArendt.Net, 8(1). https://www.hannaharendt.net/index.php/han/article/view/349 Groos, J. & Sorg, C. (eds.) (2025). Creative Construction. Democratic Planning in the 21st Century and Beyond. Bristol University Press. https://bristoluniversitypress.co.uk/creative-construction zu Marx's Konzept des “passiven Moments der Revolution“: https://www.marxists.org/deutsch/archiv/marx-engels/1852/brumaire/index.htm zum Stand um den Volksentscheid der „Deutsche Wohnen & Co Enteignen“ Kampagne: https://dwenteignen.de/aktuelles/neuigkeiten Mattei, C. E. (2025). Die Ordnung des Kapitals: Wie Ökonomen die Austerität erfanden und dem Faschismus den Weg bereiteten. Brumaire Verlag. https://shop.jacobin.de/bestellen/clara-mattei-die-ordnung-des-kapitals zum Putsch in Chile 1973: https://de.wikipedia.org/wiki/Putsch_in_Chile_1973 zu „nicht-reformistischen Reformen“: https://jacobin.de/artikel/andre-gorz-nicht-reformistischen-reformen-neue-linke-ivan-illich-reform-revolution Jaeggi, R. (2024). Solidarität mit dem Liberalismus im Augenblick seines Sturzes. Leviathan, 52. Jg., Sonderband 42/2024, S. 351–377 https://www.nomos-elibrary.de/de/10.5771/9783748944928-351/solidaritaet-mit-dem-liberalismus-im-augenblick-seines-sturzes?page=1 zur Frankfurter Schule: https://de.wikipedia.org/wiki/Frankfurter_Schule zu Marcuse: https://de.wikipedia.org/wiki/Herbert_Marcuse zu Adorno: https://de.wikipedia.org/wiki/Theodor_W._Adorno   Thematisch angrenzende Folgen S03E45 | Luise Meier zu kommunistischem Utopisieren https://www.futurehistories.today/episoden-blog/s03/e45-luise-meier-zu-kommunistischem-utopisieren S03E44 | Anna Kornbluh on Climate Counteraesthetics https://www.futurehistories.today/episoden-blog/s03/e44-anna-kornbluh-on-climate-counteraesthetics/ S03E33 | Tadzio Müller zu Solidarischem Preppen im Kollaps https://www.futurehistories.today/episoden-blog/s03/e33-tadzio-mueller-zu-solidarischem-preppen-im-kollaps/ S03E32 | Jacob Blumenfeld on Climate Barbarism and Managing Decline https://www.futurehistories.today/episoden-blog/s03/e32-jacob-blumenfeld-on-climate-barbarism-and-managing-decline/ S03E30 | Matt Huber & Kohei Saito on Growth, Progress and Left Imaginaries https://www.futurehistories.today/episoden-blog/s03/e30-matt-huber-kohei-saito-on-growth-progress-and-left-imaginaries/ S02E30 | Philipp Staab zu Anpassung https://www.futurehistories.today/episoden-blog/s02/e30-philipp-staab-zu-anpassung/ S02E06 | Alexander Kluge zu Zukünften der Kooperation https://www.futurehistories.today/episoden-blog/s02/e06-alexander-kluge-zu-zukuenften-der-kooperation/ S02E03 | Ute Tellmann zu Ökonomie als Kultur https://www.futurehistories.today/episoden-blog/s02/e03-ute-tellmann-zu-oekonomie-als-kultur/ --- Bei weiterem Interesse am Thema demokratische Wirtschaftsplanung können diese Ressourcen hilfreich sein: Demokratische Planung – eine Infoseite https://www.demokratische-planung.de/ Sorg, C. & Groos, J. (Hrsg.).(2025). Rethinking Economic Planning. Competition & Change Special Issue Volume 29 Issue 1. https://journals.sagepub.com/toc/ccha/29/1 Groos, J. & Sorg, C. (Hrsg.). (2025). Creative Construction - Democratic Planning in the 21st Century and Beyond. Bristol University Press. https://bristoluniversitypress.co.uk/creative-construction International Network for Democratic Economic Planning https://www.indep.network/ Democratic Planning Research Platform: https://www.planningresearch.net/   ---   Future Histories Kontakt & Unterstützung Wenn euch Future Histories gefällt, dann erwägt doch bitte eine Unterstützung auf Patreon: https://www.patreon.com/join/FutureHistories   Schreibt mir unter: office@futurehistories.today Diskutiert mit mir auf Twitter (#FutureHistories): https://twitter.com/FutureHpodcast auf Bluesky: https://bsky.app/profile/futurehistories.bsky.social auf Instagram: https://www.instagram.com/futurehpodcast/ auf Mastodon: https://mstdn.social/@FutureHistories   Webseite mit allen Folgen: www.futurehistories.today English webpage: https://futurehistories-international.com   Episode Keywords #RahelJaeggi, #JanGroos, #FutureHistories, #Podcast, #Klimakrise, #Sozial-ökologischeTransformation, #Zukunft, #Kapitalismus, #Gesellschaft, #Fortschritt, #PolitischeImaginationen, #Zukunft, #Utopie, #DemokratischeWirtschaftsplanung, #DemokratischePlanwirtschaft, #Materialismus, #Marxismus, #Klimakollaps, #Kollaps, #DWE, #Demokratie, #Liberalismus, #Faschisierung, #Faschismus

¿Buscas un destino en Chile que combine cultura, historia y playa en una misma ciudad? La región de Valparaíso y Viña del Mar ofrece una experiencia única, donde el mar y la ciudad se funden en un entorno vibrante y lleno de vida. 

In 1989, Chile faced Brazil in a crucial World Cup qualifying match at the iconic Maracanã stadium in Rio de Janeiro.During the game, a flare was thrown onto the pitch, appearing to seriously injure Chile's goalkeeper Roberto Rojas. Football photographer Ricardo Alfieri was watching with 129 other photographers.He was the only one who captured the moment the flare landed - behind Rojas. Days later it emerged the goalkeeper had hidden razor blades in his gloves. Ricardo Alfieri speaks to Megan Jones about the photo and what happened next.Eye-witness accounts brought to life by archive and testimony. Sporting Witness is for those fascinated by sporting history. We take you to the events that have shaped the sports world through the eyes of the people who were there. For nine minutes, you become a fan in the stands as we take you back in time to examine memorable victories and agonising defeats from all over the world. You'll hear from people who have achieved sporting immortality, or those who were there as incredible sporting moments unfolded.Recent episodes explore the forgotten football Women's World Cup, the plasterer who fought a boxing legend, international football's biggest ever beating and the man who swam the Amazon river. We look at the lives of some of the most famous F1 drivers, tennis players and athletes as well as people who've had ground-breaking impact in their chosen sporting field, including: the most decorated Paralympian, the woman who was the number 1 squash player in the world for nine years, and the first figure skater to wear a hijab. You can learn all about fascinating and surprising stories, such as the tennis player who escaped the Nazis, how a man finally beat a horse in a race, and how the FIFA computer game was created.(Photo: The flare photo. Credit: Ricardo Alfieri)

MOOBARKFLUFF! Click here to send us a comment or message about the show!Welcome to another episode of BFFT! On this episode we wish Rayne Raccoon a fond farewell as he is moving to Chile. We will miss you locally Rayne! We also have a discussion about Pi, go over some events coming up, play a VERY obvious game of this and that from Taebyn, Cheetaro gives their take on the 2008 film;  The Tales of Despereaux streaming on Netflix, and Taebyn rants about Paramount Plus. So tune in for another amazing(?) episode of BFFT! Moobarkfluff everyfur!Click here for article about the Indiana Pi Bill.This podcast contains adult language and adult topics. It is rated M for Mature. Listener discretion is advised.Support the showThanks to all our listeners and to our staff: Bearly Normal, Rayne Raccoon, Taebyn, Cheetaro, TickTock, and Ziggy the Meme Weasel.You can send us a message on Telegram at BFFT Chat, or via email at: bearlyfurcasting@gmail.com

Lorena hizo una aclaración y la dejo acá por si alguien quiere escucharla.https://www.instagram.com/p/DN_AyBWEVKN/¿Sabes que tus dientes podrían estar en crisis en silencio? En este episodio conversé con Lorena Alamo, odontóloga, fundadora de la Fundación Odontoruteros y premio Mundial de Sostenibilidad en Odontología.Conversamos de su carrera, el impacto de ayudar a otros, la grave crisis de salud dental en Chile y cómo podemos empezar a cuidarnos en la casa.

Max Pearson presents a collection of the week's Witness History interviews from the BBC World Service.We learn why the Mount Pleasant riots erupted in Washington DC in 1991, and hear from our guest, Sarah Jane Shoenfeld, a public historian of the US capital. Plus, more on John Lennon's benefit concerts at Madison Square Garden in New York, his final and only full-length solo shows after leaving The Beatles.And the story behind how the world's first permanent international criminal court was created in 1998. Also, when the internet security tool, Captcha, moved from an idea to a reality, and why a photo of Chile's goalkeeper in 1989 exposed a cheating scandal. Finally, a peak behind the scenes of the making of a noir film classic, The Third Man. Contributors:Victor ‘Lilo' Gonzalez – Mount Pleasant resident. Sarah Jane Shoenfeld - public historian. Andrei Broder – computer scientist. Judge Phillipe Kirsch – chair of the Rome conference. Geraldo Rivera – TV journalist. Ricardo Alfieri – sports photographer. Angela Allen - production assistant.(Photo: Capitol Building, Washington DC. Credit: Getty Images)

[REBROADCAST FROM May 5, 2025] Chilean novelist Isabel Allende discusses her latest novel, My Name is Emilia del Valle. The story follows a young journalist who becomes caught up in the Chilean Civil War.

Rod, Mo, Alex, and Chile talk about Labor Day Weekend, argue over what the best condiments are, and then in the final hour of the show it's Open Phones Friday.

Small Wineries Under Pressure: On today's AgNet News Hour, the Ag Meter hit the road for an on-location interview at Ziveli Winery, tucked between Kerman and Fresno. Host Nick Papagni spoke with John and CalebCaleb Caleb, who shared their family's rich Croatian winemaking roots, the challenges of keeping small wineries afloat, and what it takes to market wine in a rapidly changing industry. A Family Legacy in Wine John Nale explained how his grandparents immigrated from Croatia in 1928, eventually settling in the Central Valley and planting vines that would lay the foundation for generations of winemaking. Their winery today blends that family heritage with a modern vision for community, offering weddings, events, and tastings in a beautifully restored barn. “Every year we do a little project, and this is what we get,” John said, noting the pride in carrying on the tradition. Struggles Facing Small Wineries The Nales were candid about the headwinds California wineries face. Declining wine sales, high labor and equipment costs, and rising regulations have left many operations in the red. “There might be three or four wineries that are making any money,” John admitted. The family has been forced to take on off-farm jobs to make ends meet, with John warning that small wineries often need 1,000 acres and no debt to stay sustainable. Caleb added that younger consumers often see wine as intimidating, preferring seltzers, cocktails, or sugary alternatives like Stella Rosa. He emphasized the importance of educating new wine drinkers and offering sweeter, approachable wines to attract them. Wine slushies and canned wines may not appeal to traditionalists, but they're entry points for a new generation. Competing in a Global Market The interview also highlighted how imports from Italy, Chile, and Mexico are undercutting California growers. John noted it can even be cheaper to ship frozen grapes from Chile than to buy locally in Lodi. “If that's true, we have a lot of issues,” he said. High costs and strict regulations, they argue, are pushing small farmers to the brink while international competitors thrive. Despite the challenges, the Nales remain committed to keeping their family winery open. “We decided a long time ago that we're going to keep farming until we're made to put a sign up for sale,” John said. For the full conversation with John and Caleb Nale of Ziveli Winery, listen to the AgNet News Hour.

Os EUA e o México trocam acusações. A Venezuela militariza fronteiras, no Brasil Bolsonaro pode ser preso, enquanto o Chile vive um eleições radicalizadas. Qual será a próxima crise na América Latina?See omnystudio.com/listener for privacy information.

Entérate de lo que está cambiando el podcasting y el marketing digital:-Revelan el millonario sueldo de uno de los pódcast más exitosos de Chile.-El audio mantiene su atractivo incluso frente al auge del pódcast en video.-¿Es el fin de los pódcast narrativos?-Más publicaciones, más alcance en LinkedIn.-NPR convierte sus reportajes globales en pódcast. Patrocinios ¿Estás pensando en anunciar tu negocio, producto o pódcast en México? En RSS.com y RSS.media tenemos la solución. Contamos con un amplio catálogo de pódcast para conectar tu mensaje con millones de oyentes en México y LATAM. Escríbenos a ventas@rss.com y haz crecer tu idea con nosotros.Entérate, en solo cinco minutos, sobre las noticias, herramientas, tips y recursos que te ayudarán a crear un pódcast genial y exitoso. Subscríbete a la “newsletter“ de Via Podcast.

Durante uma viagem ao Chile com a mãe, ela conheceu Alejandro, um guarda da Corte Suprema que a encantou de imediato. Depois de encontros rápidos e um pedido de namoro inesperado, viveram um romance à distância cheio de saudade, até que ele viajou ao Brasil para pedi-la em casamento. Casaram-se e foram morar no Chile, onde ela enfrentou frio, diferenças culturais e a distância dolorosa da família, mas também construiu uma vida de amor ao lado dele. Hoje, com um filho e outro a caminho, eles vivem entre dois mundos, o Brasil e o Chile, e ela tem certeza de que cada sacrifício valeu a pena, porque o amor verdadeiro não conhece fronteiras.

En este capítulo de Libre Mercado, Cristián Rodríguez entrevista a Domingo Lama, gerente general de Rappi sobre las proyecciones de la industria del delivery en Chile y el modelo de negocios actual. El ejecutivo asegura que en los próximos años debieran crecer más de 20% anual.

El Director del proyecto Tren Santiago Batuco, Juan Pablo Palominos, comentó la firma del contrato de obras del servicio que será la obras civil y ferroviaria más grande en la historia de EFE trenes de Chile.

Nueva Música presenta en este episodio los más recientes lanzamientos de Maxi Espindola, Mike Bahía, Ramma y mucho más.

This week in pop culture, the chicken is being served by your gym teacher and your English teacher, Cardi B's trial is hilarious, and Love Island USA updates including Ace's only interview out of the villa being a mess and more!Follow me on social media, find links to merch, Patreon and more here! Hosted on Acast. See acast.com/privacy for more information.

In this episode of Dear Church, Chris sits down with Zane Perkins, longtime minister, missionary, and counselor, to talk about Living in Harmony. Zane shares how a Christ-centered perspective and healthy communication can strengthen your home, workplace, and relationships. Drawing from years of ministry experience in Chile and his work with Sunset International Bible Institute, Zane unpacks practical tools for navigating conflict, embracing different perspectives, and building deeper connections that reflect the love of Christ.   Connect with Us: Instagram: https://www.instagram.com/dearchurch_podcast/ Facebook: https://www.facebook.com/profile.php?id=61564673680147 YouTube: https://www.youtube.com/@DearChurch   Website: https://www.rippleoflight.org/ ROL Facebook: http://facebook.com/rippleoflight ROL Instagram: https://www.instagram.com/rippleoflight ROL YouTube: http://youtube.com/rippleoflight ROL Rumble: http://rumble.com/rippleoflight   Have a question? Email Chris at chris.mccurley@rippleoflight.com.  

Rod, Mo, Alex, and Chile talk about what went down at the Shinedown concert last night, the most useless jobs that people get paid for, and play another round of The Read My Lips Game. 

The Read My Lips Game

Were the Martian canals real? For decades, some of the world's most respected astronomers and newspapers answered with a resounding YES. But how did a simple misunderstanding spiral into a global belief in an advanced, dying civilization on the Red Planet? This episode unwraps the incredible story of the turn-of-the-century Martian craze, a period when fact and fiction blurred, and humanity collectively looked to the stars, convinced someone was looking back. We explore how this mania began, who its biggest champions were, and how the idea of intelligent Martians shaped science and culture forever.This deep dive into the history of our obsession with Mars is guided by acclaimed author David Baron, whose book "The Martians: The True Story of an Alien Craze That Captured Turn-of-the-Century America" chronicles this fascinating era. We begin with the story's surprising European origins, specifically with Italian astronomer Giovanni Schiaparelli and his 1877 observations of "canali" on the Martian surface. A critical mistranslation of Giovanni Schiaparelli canali (Italian for "channels") into "canals" in English ignited the public imagination with the possibility of artificial structures. This idea was popularized by French astronomer and author Camille Flammarion, but it was an American who would become the theory's most fervent and influential advocate: Percival Lowell.Born into a wealthy Boston family, Percival Lowell dedicated his fortune and his life to proving the existence of an intelligent Martian race. We detail the astonishingly complex Percival Lowell Mars theory, which proposed that Mars was an old, drying planet and its inhabitants had built a planet-wide irrigation system—the Martian canals—to channel water from the polar ice caps to their desert cities. To prove it, Lowell founded the iconic Lowell Observatory in Arizona and even funded a massive expedition to Chile to capture the first-ever photographs of the canals, which he presented as undeniable proof. This led to a major rift in the scientific community, dividing astronomers into "canalists" and "anti-canalists."The belief in Martians wasn't just confined to scientific circles; it exploded into a full-blown cultural phenomenon. We discuss the immense impact of H.G. Wells War of the Worlds, a "scientific romance" that terrified and thrilled readers. Baron reveals how American newspapers, in a bout of Yellow Press sensationalism, pirated and serialized the story, localizing the invasion to New York and Boston and presenting it almost as a news report—a tactic Orson Welles would later famously use for his 1938 radio broadcast. The fervor grew so intense that in 1924, the U.S. military was convinced to enforce national radio silence to listen for signals from the Red Planet. So, what was the final nail in the coffin for the Martian canals? Baron explains how astronomer Eugène Michel Antoniadi's crystal-clear observations in 1909 and, ultimately, NASA's Mariner 4 spacecraft flyby in the 1960s, finally disproved the theory, revealing a cratered, lifeless landscape where canals were once drawn. This entire episode serves as a powerful look into the turn-of-the-century Martian craze and how it left an indelible mark on science fiction, inspiring figures like Robert H. Goddard and Carl Sagan and shaping our dreams of outer space to this day.About Our Guest:David Baron is an author and science journalist who specializes in telling gripping historical tales about the history of astronomy. He is the author of the new book, "The Martians: The True Story of an Alien Craze That Captured Turn-of-the-Century America," as well as the award-winning "American Eclipse," which is being adapted into a Broadway musical.Timestamps:(00:00) Introduction: The Martian Saga(03:01) The 1906 New York Times Headline: "There is Life on Mars"(04:47) European Origins: Schiaparelli, Flammarion, and the "Canali" Mistranslation(09:09) Percival Lowell: The American Champion of the Martian Cause(14:52) The Great Debate: Canalists vs. Anti-Canalists(19:26) The Hunt for Proof: Lowell's Astrophotography and The Chilean Expedition(23:26) Percival Lowell's Grand Theory of Martian Civilization(26:54) H.G. Wells and The War of the Worlds Sensation(33:32) Listening for Martians: The US Military's 1924 Radio Silence(35:11) How The Martian Canals Were Finally Disproven(41:01) The Enduring Legacy of the Martian Craze on Science FictionLearn More From Our Guest / Episode Resources:Get David Baron's Book, "The Martians"

What excites you most about leading Walmart Connect in Chile, and what unique opportunities do you see in the region's market?How do you approach leveraging data-driven insights to create more authentic connections between brands and consumers?What trends in omnichannel marketing are shaping your strategy at Walmart Connect, and how do you see them evolving in Latin America?What leadership principles guide you in balancing strategic vision with execution, especially when entering new markets or revitalizing existing ones?What's a project or achievement you're particularly proud of at Walmart Connect, and how has it impacted the business or consumers? 

La otra GUERRA SICOLOGICA en Chile y el mundo

“Theme parks and national parks may seem different, but they are both in the people business. Each offers a chance to step away from stress and into something extraordinary.” Notable Moments 1:03 – Why Glacier and Yellowstone hold such unique places in my heart 2:22 – How a behind-the-scenes safari ride shifted my perspective 4:17 – The slow realization of connecting ranger life with Disney lessons 7:18 – The surprising way I first connected with Lee Cockerell 9:58 – A recent trip to Chile that opened up new horizons for exploration 13:17 – How early mistakes in parks helped shape better practices worldwide 15:35 – The joy of lecturing on Alaska cruises and engaging with travelers Jody Maberry reflects on the surprising ways his passions for national parks and theme parks connect. From Glacier to Disney, and even adventures in South America, he shares stories that highlight the overlap between nature, storytelling, and service. Read the blog for more from this episode. Connect with Jody www.jodymaberry.com About Jody - https://jodymaberry.com/about-jody-maberry/ Instagram - https://www.instagram.com/sugarjmaberry LinkedIn - https://www.linkedin.com/in/jodymaberry/

Rod, Mo, Alex, and Chile talk about people not drinking as much alcohol, guilt tipping, and play Day 26 of The Suburb Summer Sizzler.

On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. 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

On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/latin-american-studies

Continúa la presión para que se realice una profunda investigación luego de feroz pelea entre hinchas de Independiente y la Universidad de Chile en el estadio Libertadores de América en partido de Copa Sudamericana. Escucha esta y otras noticias del fútbol mundial.

Dr. Christopher Timmermann is neuroscientist and co-director of the UCL Centre for Consciousness Research in London. He obtained a BSc in Psychology in Santiago, Chile and an MSc in Cognitive Neuroscience at the University of Bologna in Italy. He was also leading one of the first DMT research groups at Imperial College London.His empirical and theoretical work focuses on the neuroscience, psychiatry, psychology, and beliefs of psychedelics, their relationship to consciousness and applications in mental health. The work he has led has been published in high-regarded journals, and has been widely covered by mass media outlets. He also founded and is the director of an educational non-profit in Chile, the ECOH Foundation.He is the expert on 5MeO DMT right, which has been dubbed the “Mount Everest of psychedelics,” and fittingly, Timmermann writes, “its experiences are often referred to as “whiteouts.” But beyond its ability to eliminate the sense of space and time, its most interesting effect lies in the way it dissolves the self. This is key. The question of whether the self is necessary for consciousness to occur has been debated by philosophers for thousands of years — and it remains unsettled. But with 5MeO, something completely different happens: It radically deconstructs all possible worlds, sparing only awareness.IG: christophertimmermannOUR INFO: IG: @the.newhealthclub @thenewhealthinstitute Website: https://www.thenewhealthinstitute.org/ Hosted on Acast. See acast.com/privacy for more information.

On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

On this episode of the Economic and Business History channel, I spoke with Dr. Victoria Basualdo and Dr. Marcelo Bucheli about their new edited book. Big Business and Dictatorships in Latin America: A Transnational History of Profits and Repression (Palgrave Macmillan, 2020) is an edited volume that studies the relationship between big business and the Latin American dictatorial regimes during the Cold War. The first section provides a general background about the contemporary history of business corporations and dictatorships in the twentieth century at the international level. The second section comprises chapters that analyze five national cases (Argentina, Brazil, Chile, Uruguay, and Peru), as well as a comparative analysis of the banking sector in the Southern Cone (Argentina, Brazil, Chile, and Uruguay). The third section presents six case studies of large companies in Argentina, Brazil, Chile, Colombia, and Central America. This book is crucial reading because it provides the first comprehensive analysis of a key yet understudied topic in Cold War history in Latin America. Victoria Basualdo is Researcher at the Argentine National Scientific Council (CONICET) and at the Facultad Latinoamericana de Ciencias Sociales (FLACSO), and Professor in the Political Economy Master's Degree Program at FLACSO, Argentina. She specializes in contemporary economic and labor history, with special focus on structural changes and the transformations of trade-union organizations in Argentina and Latin America. Hartmut Berghoff is Director of the Institute of Economic and Social History at the University of Göttingen, Germany. He was the Director of the German Historical Institute in Washington DC (2008-2015) and held various visiting positions at the Center of Advanced Study, Harvard Business School, the Maison des Sciences de l'Homme, and the Henley Business School. He has worked on the history of consumption, business history, immigration history and the history of modern Germany. Marcelo Bucheli is Associate Professor of Business Administration at the Gies College of Business, University of Illinois at Urbana-Champaign, USA. His research focuses on the political economy of multinational corporations in Latin America, theoretical and methodological approaches to the study of the relationship between firms and states in a historical perspective, and business groups. Hosted by Paula De La Cruz-Fernandez, consultant, historian, and digital editor. New Books Network en español editor. Edita CEO. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs

It's Tuesday, August 26th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Women in India raped, murdered, and secretly buried A temple maintenance man in India is under arrest, after he testified of hundreds of women who were allegedly raped, murdered, and secretly buried around the small religious town of Dharmasthala. The BBC reports that nearly 100 bone fragments of human remains have already been found at two spots the man identified. The employee says he worked for the temple administration between 1995 and 2014, when he was allegedly coerced into burying the bodies. In 2025, 950 attacks on Christians in India For the first five months of 2025, Open Doors reports 950 attacks on Christians in India, which accounts for a rate of 2,300 per year. According to this reliable source, “These incidents included attacks, threats to abandon the Christian faith, excommunication, social boycotts, halting prayer services and church closures. Throughout India, 200 cases have been filed against pastors and believers based on fabricated conversion allegations.” India rated as the worst in The Worldview's international morality index  -- or the Evil Index -- released last month. India rated high in persecuting Christians, corruption perceptions, as well as supporting abortion and homosexuality. Most evil nations vs. Best behaved nations The highest rated nations for immorality were India, North Korea, Mexico, Columbia, Vietnam, Pakistan, Nepal, Myanmar, Somalia, Nicaragua, China, and Nigeria. Best nations on the list were Armenia, Eastern European nations, Israel, Japan, and Singapore. Among European nations, Russia, Greenland, and Belgium were rated poorly. Switzerland and Ireland rated best on this International Morality Index.  The nation of Chile lost the most ground over the last eight years. The country was rated at the top of the morality index eight years ago, and has dropped to the 66th position, due largely to approving abortion in 2017, and adopting homosexual faux-marriage in 2022.   The International Morality Index considers nations on the basis of the sixth, seventh, and eighth commandments of God's law as well as the persecution of Christians.  John 1:29 says, “But let us remember, this is why Jesus came. . . John saw Jesus coming toward him, and said, ‘Behold! The Lamb of God who takes away the sin of the world!'” Kenyan pro-lifers object to Bill Gates' abortion kill pills Kenyan pro-lifers have issued a petition addressed to Kenya's Ministry of Health, complaining of IPAS Africa Alliance's distribution of abortion kill pills throughout the country.   The petition accuses IPAS of breaking Kenya's laws, and flooding schools and pharmacies with the kill pill.   The Citizen Go petition notes that “Kenya's laws protect unborn life, but IPAS is exploiting loopholes. They hand out abortion pills without scans, prescriptions, or medical supervision.” IPAS Africa Alliance is reportedly funded by the Bill and Melinda Gates Foundation. Mexican drug cartel leader pled guilty “Be sure your sins will find you out.” That's what Number 32:23 warns. The founder of the largest drug cartel in the world, Mexican cartel kingpin Isamel “El Mayo” Zambada, pled guilty to federal charges yesterday, reports the Associated Press. He is charged with organizing a drug smuggling operation into the US, called the Sinaloa cartel.   His partner Joaquin “El Chapo” Guzman was found guilty of similar charges in 2019. The Mexican Sinoloa cartel is known for assassinations, tortures, and kidnappings — terrorizing parts of the southern border areas of Mexico and Texas. Today, first time home purchase costs double rent For the first time in almost 20 years, the price of buying an entry-level home is double the expense of renting. Austin, Denver, Las Vegas, and Phoenix are some of the worst places for unaffordable properties for first-time buyers. 5% of Canadian deaths due to euthanasia Canada's Doctor Assisted Deaths now account for 5% of total deaths for the nation — more than the deaths attributed to diabetes and Alzheimer's combined.   Persons suffering solely from some sort of mental illness will be able to gain state medical help to kill themselves on March 17, 2027. In related news, the United Kingdom Bill on euthanasia has passed the House of Commons, and now has been presented to the House of Lords. United Kingdom legislature to dismiss jail time for violent offenders And finally, the United Kingdom government has come up with a plan to reduce prison overcrowding by dismissing jail time altogether for thousands of sex offenders, drug dealers, and violent criminals. The Sentencing Bill will be considered next month by parliament, reports The Times.  Exodus 22:1  provides God's wisdom in such matters. “If a man steals an ox or a sheep, and slaughters it or sells it, he shall restore five oxen for an ox and four sheep for a sheep.” Close And that's The Worldview on this Tuesday, August 26th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Rod, Mo, Alex, and Chile celebrate Rod's Birthday, talk about people throwing things on stage at concerts, and play Day 25 of The Suburb Summer Sizzler.

Hablamos sobre seguridad y riesgos en el sector minero tras el accidente ocurrido en Chile, en la mina subterránea de cobre más grande del mundo. En Venezuela, simpatizantes del Gobierno se alistan en la Milicia Nacional Bolivariana; te tenemos los detalles. Y te compartimos un episodio más de la serie ‘Un Futuro Artificial' que analiza el rol de la IA en política, participación ciudadana y las elecciones.

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  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”  For advertising inquiries, visit: GetRichEducation.com/ad 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 Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Ras Vanderloo recently retired after his 14th season as the Head Boys Basketball Coach at Sioux City East High School in Sioux City, IA. He spent 32 years coaching basketball, 14 as a Head Coach and 18 as an Assistant Coach. Ras is a 5-time district coach of the year and the 2017 State 4A Coach of the Year. He won 314 games as a head coach at East High with 4 State Tournament appearances and a State Runner Up in 2012.In addition to his run as the Head Coach at East, Ras also runs a large youth league basketball program with over 650 kids annually participating. The league is currently 33 years old and was started by his father.Ras comes from a large coaching family, his father Rich and brother Jeff (now a Creighton Assistant) are both former Head Coaches at East High in Sioux City. His brothers John and Jim are coaches as wellRas has worked with USA Basketball in varying capacities, most recently as an assistant coach for the Men's 3 x 3 Nation's League that competed this summer in Chile. On this episode Mike & Ras discuss his retirement from teaching and coaching along with the new opportunities in front of him, including his involvement with USA Basketball. Vanderloo reflects on the significance of learning from experienced mentors and emphasizes the value of dedication and hard work in achieving success in coaching. He shares insights about the differences between coaching in traditional formats versus the increasingly popular 3x3 basketball format, highlighting the unique challenges and strategies involved in this fast-paced version of the game. Additionally, Vanderloo provides practical advice for young coaches, advocating for the importance of seeking out successful programs and experienced coaches to learn from. As he navigates his post-retirement journey, he remains committed to contributing to the basketball community and mentoring future generations of coaches.Follow us on Twitter and Instagram @hoopheadspod for the latest updates on episodes, guests, and events from the Hoop Heads Pod.Make sure you're subscribed to the Hoop Heads Pod on your favorite podcast app and while you're there please leave us a 5 star rating and review. Your ratings help your friends and coaching colleagues find the show. If you really love what you're hearing recommend the Hoop Heads Pod to someone and get them to join you as a part of Hoop Heads Nation.Get ready to take some notes as you listen to this episode with Ras Vanderloo from Sioux City East High School in the state of Iowa.Website – https://www.usab.com/staff-members/ras-vanderlooEmail – rvanderloo6562@gmail.comTwitter - @CoachRasVisit our Sponsors!Dr. Dish BasketballOur friends at Dr. Dish Basketball are here to help you transform your team's training this off-season with exclusive offers of up to $4,000 OFF their Rebel+, All-Star+, and CT+ shooting machines. Unsure about budget? Dr. Dish offers schools-only Buy Now, Pay Later payment plans to make getting new equipment easier than ever.The Coaching PortfolioYour first impression is everything...

Rod, Mo, Alex, and Chile talk about chicken crust pizza, what went down over the weekend, and play Day 24 of The Suburb Summer Sizzler. 

After the discovery of gold at Sutter's Mill in 1848, hundreds of thousands of prospectors poured into California, hoping to strike it rich. In the early days, rather than coming from within the U.S., most miners arrived from places like China, Hawaii, Chile, and Australia. But when President James K. Polk confirmed that newspaper reports of vast gold fields were true, it would kick the Gold Rush into high gear, transforming America and establishing California as a place for grand ambitions and big dreams.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to American History Tellers on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial today by visiting wondery.com/links/american-history-tellers/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.