Podcasts about MLS

Alexis Nunes, Herculez Gomez, and Alejandro Moreno discuss Inter Miami and Vancouver advancing to the MLS Cup Final as Thomas Müller and Lionel Messi face off. Then, a discussion on whether Hirving Lozano's first year in the MLS was a success or a disappointment. Plus, discussion on the United States potentially hosting another major international tournament in 2028. Learn more about your ad choices. Visit podcastchoices.com/adchoices

- SUBSCRIBE TO OUR PODCAST: http://cornerofthegalaxy.com/subscribe/  - COG LA GALAXY DISCORD: https://discord.gg/drr9HFZY2P - COG ANTHEM MUSIC BY RAY PLAZA: https://linktr.ee/munditoplaza - COG ANTHEM MUSIC DOWNLOAD: https://open.spotify.com/artist/3asiasldwKyoCRm1Vzx2h7?si=_LmXI9otT9y9j0ChMGMt2w COG STUDIOS, Calif. -- The 2026 LA Galaxy Schedule has been released by Major League Soccer. And it's got some interesting difficulties. On today's show, hosts Josh Guesman and Kevin Baxter (from Washington, D.C.) discuss the schedule release and what the Galaxy will have in store for a 2026 MLS Cup run. Where does the schedule get tough? And what does the World Cup break mean for the city of Los Angeles? Plus, an MLS Cup and what it could mean for MLS, the World Cup Draw, and the Concacaf Champions Cup Draw. So many draws! Let's talk! -- Corner of the Galaxy is kicking off Season 17, just a few shows past number 1,250! And we can't wait to show you everything we've got in store for 2026! This is a reminder that we go live twice a week — on Mondays and Thursdays at 8 PM on YouTube — and that you can find us conveniently on your preferred podcast platform (Apple, Spotify, SoundCloud, YouTube, Google Play, etc.). We're making it easy for you to stay connected! So tell a friend that you've been listening to the longest-running team-specific podcast in Major League Soccer and that 2025 is a great time to start listening!

Alexis Nunes, Herculez Gomez, and Alejandro Moreno discuss Inter Miami and Vancouver advancing to the MLS Cup Final as Thomas Müller and Lionel Messi face off. Then, a discussion on whether Hirving Lozano's first year in the MLS was a success or a disappointment. Plus, discussion on the United States potentially hosting another major international tournament in 2028. Learn more about your ad choices. Visit podcastchoices.com/adchoices

For the Glory KC is back with the 155th episode of the show!Sporting Kansas City and the KC Current did literally nothing this week, so we are filling in with offseason content!Sheena and I did our first ever "For the Glory KC Awards" and gave out many fake prizes to players on both teams. From MVP to Newcomer of the year to strange categories like best hair and best personality. There are the awards you'd expect and everything in between.We also asked the question, which is more shocking? Peter Vermes getting fired with nearly four years left on his contract or Vlatko Andonovski stepping down unexpectedly after the greatest regular season in NWSL history?Speaking of Vermes, he was reported to be up for the Atlanta United job that ultimately went to Tata Martino. Which left the question, where should Peter land if he stays in MLS? There are only a few jobs left open and the New York Red Bulls one looks like it's going to Michael Bradley (according to Tom Bogert of the Athletic). So that only left open the Colorado Rapids, Columbus Crew (soon enough), St. Louis City and of course Sporting KC.In addition to picking Vermes' landing spot, we ponder the question of how nervous should we be that Sporting KC still only have 14 signed players and no coach with preseason set to start in just over five weeks on January 10th?We also cover the news about Kansas City and the 2031 Women's World Cup, Bia Zaneratto possibly heading to Brazil and a lot of USWNT news for the full team, U-23s and U-20s.In the Digital Crawl, we hit on a few more topics, including:MLS Cup where everyone is rooting for Vancouver over MiamiThe 2028 Copa America maybe coming to the USAPhoenix possibly landing MLS and NWSL expansion teamsand UMKC's NCAA Tournament fateHere is a rundown of topics and start times:End of Year Awards - 3:22Sporting KC roster, coach and Vermes' fate - 47:222031 WWC Update - 56:28KC Current roundup - 1:04:12She Scores - 1:06:35Digital Crawl - 1:17:31Upcoming GamesMLS Cup: Vancouver Whitecaps vs Inter Miami, Saturday, Dec. 6th at 1:30PM CSTWorld Sevens Football TourneyWomen's College Cup (CPKC Stadium)As a special gift to For the Glory KC listeners and KC Soccer Journal readers, Backheeled dot com is giving away 30 days of their amazing, independent American soccer coverage for free. If you decide you want to turn that into a paid membership, they'll give you 10 percent off too. Just follow this link!Big thanks to Splitter Conspiracy (listen to them here) for our theme music made with the permission of the KC Cauldron.

It's MLS Cup week and we are discussing all things Inter Miami#InterMiami #Messi #InterMiamiCF 

In this episode of On Stage, we bring you a joint conversation with Dee and Jimmy Haslam of Haslam Sports, one of the most influential ownership groups in American sports. Recorded on October 2, 2025, at Leaders Week London, this discussion offers an inside look at how the Haslams approach ownership, leadership, and long-term community impact across their portfolio: the Cleveland Browns, Columbus Crew, and Milwaukee Bucks. In a thoughtful and candid conversation with BBC Sport presenter Sarah Mulkerrins, the Haslams explore: A Unified Sports Vision: How ownership across the NFL, MLS, and NBA fits into a broader mission driven by community, culture, and competitive success. Leadership Philosophy: Their approach to hiring great people, supporting strong leaders, and maintaining organizational alignment during both highs and lows. Community Responsibility: Why civic pride and long-term social investment are fundamental to their sports ventures. Infrastructure & Legacy: How stadium development, fan experience, and city partnerships shape the future of their franchises.Owning in a New Era: What modern ownership requires, from patience to adaptability to purpose-driven strategy. This is an insightful and grounded look at how two leaders think about sports not simply as businesses, but as platforms for generational impact.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Josh and Lina open the show discussing the Vancouver Whitecaps advancing to the MLS Final! Then, Vancouver Goldeneyes goalie Emerance Maschmeyer joins the show. Emerance talks about the start to the season, her role as a leader, and the upcoming games. Later, it's time for "In or Out". Topics include Vancouver Whitecaps in the MLS Cup, trading Kiefer Sherwood, Christmas music and much more!  The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate.

There's a lot to get through today, but Musa and Ryan begin with shouting out Flamengo's Copa Libertadores win before moving on to the Premier League.They discuss the scrappy 1-1 draw between Chelsea and Arsenal (06:52), which probably worked out as a good point for both sides in the end, plus wins for Manchester City, Liverpool, Manchester United and all the rest of the Premier League games (18:50). Elsewhere, the tops of Serie A, La Liga and Ligue 1 are very close, so there's chat about some key results from those leagues (42:04) and a quick shout for the Bundesliga, MLS and more!London listeners, we're just three days away from our first show at the Southbank Centre! There are still some tickets left, so get yours here.For more podcasts each week, ad-free and in full, plus access to the Stadio Social Club and much more, become a Stadio member by going to patreon.com/stadio. Hosted on Acast. See acast.com/privacy for more information.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or 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, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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 of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Christian Polanco and Taylor Twellman react to Inter Miami and the Vancouver Whitecaps' dominant performances in the MLS Conference Finals. Will Lionel Messi and Inter Miami finally hoist the MLS Cup, or can Thomas Müller's gritty Vancouver side spoil the celebrations?Next, Christian and Alexis bring on MLS and USMNT legend Clint Dempsey to chat all things USMNT, including what Mauricio Pochettino has changed within the squad to spark their current resurgence. Clint also shares his thoughts on what the new Summer–Spring calendar will mean for Major League Soccer.Later, Clint discusses the USMNT's striker dilemma and why he believes competition for the starting spot is a good thing. Timestamps:(2:45) – Are Inter Miami unstoppable?(13:00) – Can Thomas Müller & Co. spoil Miami's party?(18:30) – MLS Cup Final preview(28:45) – Breaking down the USMNT ahead of the World Cup(36:00) – Clint Dempsey reacts to the new MLS calendar change(41:00) – Breaking down the USMNT's striker dilemma Subscribe to The Cooligans on your favorite podcast app:

It's a busy Reaction Monday on SDH AMWe kick things off with 929TheGame's Abe Gordon looking at the MLS Cup Final teams and the week that will be for US soccer fansGeorgia Gwinnett MSOC HC Steve DeCou previews the Round of 16 match in the NAIA playoffs later Monday afternoon and looks at the season-to-dateSoccerForUSPod's Bart Keeler looks at the last match of the 2025 USWNT schedule in South Florida and what to take away from the year...And we also look at the MLS moments from the weekend and the AM news involving ATLUTD

The big dance is finally set in MLS and it takes us back to the this years CCL semifinal between Miami & Vancouver. Tom & David rejoin post Thanksgiving to dive into all the semifinal action. They look back at Maxi vs Messi, Brian White's Offensive Explosion, and what this all means for San Diego's debut season. Then they look forward to MLS Cup where we are guaranteed a first time winner. Finally the "Ice Cream Shop" is always open for Tommy's Scoops.7:00 Miami's Triumph Over NYCFC18:30 Looking Back On NYCFC's Season22:00 MLS Cup Finalists Means To Miami30:15 Whitecaps Bounce San Diego38:50 San Diego's Historic Expansion Season48:50 Mo Salah To SD?50:47 MLS Cup Miami vs Vancouver Preview58:45 Mueller vs Messi All-time1:07:30 Chicho Arango Heading To Pumas?1:09:50 Robin Jansson Resigns In Orlando1:10:45 Paul Rothrock & Other Top Free Agents

On today's episode, Jillian and Kyle review the Philadelphia Union's 2026 roster decisions and look at their MLS season schedule. They also share their thoughts on the MLS Cup Final and some college soccer discussions as well.Make sure to subscribe or follow, and please interact with us; we love to hear from you!• Twitter: @totwag• Facebook/Instagram: theoneteamweagreeon (all one word)• We are now on all major podcasting platforms and on YouTube.• Check out our website: www.theoneteamweagreeon.com#DOOP #SOCCER #MLS #MLSOCCER #PHILLY #PHILADELPHIAUNION

In this episode of the Designated Players Podcast, the guys are back and this week we're coming with a brace as we're recapping both the conference finals and predicting the MLS Cup Final! Some really exciting games this round to recap, and then we're going to preview the big game, MLS Cup Final. Let us know your thoughts!#MLS #MLSCup #mlscupplayoffs #ATLUTD #atlantaunited #austinfc #charlottefc #forthecrown #cf97 #chicagofire #fccincinnati #fcc #allforcincy #coloradorapids #rapids96 #columbuscrew #crew96 #dcu #dcunited #fcdallas #dtid #houstondynamo #holditdown #sportingkc #skc #lagalaxy #losangeles #lafc #intermiami #intermiamicf #messi #lionelmessi #minnesotaunited #mnufc #legionofloons #cfmtl #cfmontreal #nashvillesc #everyonen #newenglandrevolution #nerevs #newyorkredbulls #rbny #NYCFC #newyorkcity #orlandocity #orlandocitysc #philadelphiaunion #DOOP #portlandtimbers #RCTID #RSL #realsaltlake #sanjoseearthquakes #quakes74 #seattlesounders #sounders #stlouiscity #STL #allforcity #TFCLive #torontofc #vancouverwhitecaps #VWFC #USL #uslchampionship #mlsseasonpass #AppleTV #luissuarez #leaguescupRecorded on: 11/30/2025 Let us know your thoughts and if we got it right or right! Send any emails with questions or comments to: thedppod@gmail.comFollow the Pod on Social Media!Website: https://thedppod.buzzsprout.com/Twitter: https://twitter.com/TheDPPod1Instagram: https://www.instagram.com/designated_players_podcast_/Facebook: https://www.facebook.com/TheDPPodTikTok: https://www.tiktok.com/@thedppodHave a thought, comment, question, or suggestion? Send us a message and let us know!Support the show

Episode 269 of The Smart Agents Podcast features Jake McLaughlin, top-producing eXp PA agent and co-founder of ReferralMate. From grinding through his first 6–8 months without a sale to building a highly successful and sustainable business, Jake's journey is a masterclass in consistency, hustle, and spotting opportunity.After dropping out of college and jumping into real estate during COVID, Jake learned quickly that listings were the key to controlling his business. But it was his shift toward serving investors — from short-term rentals in the Poconos to large multifamily buildings — that transformed his trajectory. By outworking the competition, hunting off-market deals, and becoming the “hustle agent” investors trust, Jake built a referral machine that thrives in any market.Along the way, he and his wife Alyssa created ReferralMate, a platform designed to solve the exact problem he faced after moving across the state: how to send and receive referrals without the chaos of Facebook groups. Today, it's one of the fastest-growing communities for agents nationwide.In this episode, Jake shares:✅ Why “you have to list to exist” remains his #1 philosophy✅ How serving investors leads to faster, cleaner, repeat transactions✅ The exact tactics he uses to find off-market deals using Zillow, rentals & old MLS data✅ How ReferralMate is reinventing agent-to-agent referrals through community✅ The mindset shift that helped him push through early challenges and build long-term momentumWhether you're trying to break through your first plateau or looking to scale beyond your market, Jake delivers actionable strategies you can start using today.Connect With Jake

Hoeneß und der Ultra-Zoff! Bayern-Ehrenpräsident Uli Hoeneß sprach über die Ultra-Proteste gegen ihn! Gemeinsam mit Marcel Reif schauen wir auf die aktuellen Themen beim FC Bayern. Im Sommer endet die Vertragslaufzeit von Manuel Neuer. Seine Zukunft beim FC Bayern ist noch nicht entschieden. Bleibt der Torhüter noch ein weiteres Jahr beim Rekordmeister? Außerdem werfen wir einen Blick in die MLS. Dort treffen am Wochenende Thomas Müller und Lionel Messi im Finale aufeinander!

We are talking about the Eastern Conference Final and looking forward to Vancouver next week.#InterMiami #Messi #InterMiamiCF 

Miami Avanza a la final de la MLS#MLS #InterMiamiCF #MESSI #InterMiami

This is a Sad Bois episode titled "Rotisserie Chicken". A K-League update, MLS playoff formatting, and lots of college football is inside.

Jon Nelson takes you through some of the best conversations on SDH AM this week. Hear from Pulso Sports' Niko Moreno on the MLS playoffs, Toronto 2026 Executive Director Sharon Bollenbach, and coaches from Life University and Truett-McConnell ahead of their NAIA national tournament matches.

Jason Longshore breaks down an absolutely massive Saturday across the global game. In MLS, both Conference Finals take center stage as Inter Miami — powered by Lionel Messi's historic postseason form — host underdog NYCFC, while San Diego FC's dream expansion run meets Vancouver's magical season out West. We dig into the key storylines, injury questions, tactical turning points, and the defining players who could send their clubs to MLS Cup.Then it's off to South America, where the Copa Libertadores final delivers a true heavyweight bout: Flamengo vs Palmeiras in Lima. Two Brazilian superpowers, two contrasting paths, and one trophy that may define the decade in CONMEBOL.Plus: the UEFA Women's Nations League final kicks off, Europe's giants face rising pressure, and Arsenal–Chelsea headlines a huge Premier League weekend. Serie A title contenders clash, Liverpool try to steady the ship, and the latest from Real Madrid, Barcelona, and Bayern fills out a packed global rundown.It's your Friday Morning Espresso — MLS, Libertadores, Europe, South America, and everything in between. The game never stops — and neither do we.

A full SDH AM for your Freestyle FridayLife University WSOC HC Meg McGonigle drops by to talk about the season and the preps for NAIA Nationals and the round of 16We preview the MLS conference finals- hearing from San Diego and NYC FC's coaches, preview England, and review the action in Europe plus your morning newsGOLTV's Nino Torres drops by with a lot of South America talk- Argentina and Peru specifically with suspensions and Copa finals going on 

In this turkey-fueled episode of The Chad & Cheese Podcast, the boys stuff themselves like it's Thanksgiving every day (because, let's be honest, their content diet is already 90% gravy) with a little help from their friends - J.T. O'Donnell, Allyn Baily, Mo' Clough, Julie Sowash and Michelle Meehan. They kick things off by swapping heartwarming family traditions—like which uncle still thinks “pass the stuffing” is code for “pass the political hot takes”—before pivoting to the real national religion: soccer finally mattering in America now that Lionel Messi has descended from Mount Olympus to sprinkle GOAT dust on MLS fields. From there, it's straight into the AI Thunderdome, where the gang swing the banter hammer at every shiny new model like they're judging a middle-school science fair on bath salts. They roast ZipRecruiter's podcast so hard you'll smell burnt Phil from here, expose the shameless corporate-welfare grift masquerading as “HR innovation,” and deliver a fantasy-football update that's equal parts trash talk and emotional damage. They also review Indeed's latest product (spoiler: it's a feature, not a miracle), reenact actual spy-vs-spy drama happening right now in HR tech like it's a Jason Bourne movie but with worse expense reports, and wrap the whole glorious mess with a Thanksgiving dad joke so corny it should come with its own butter sculpture. Grab a plate, loosen the belt, and hit play—you'll laugh, you'll cry (from laughter), and you'll never look at cranberry sauce the same way again. Chapters 00:00 - Thanksgiving Traditions and Family Gatherings 03:57 - The Rise of Football and Sports Culture 05:13 - AI Innovations and Competitive Landscape 08:40 - Fantasy Football Highlights and Insights 10:11 - Critique of ZipRecruiter's Podcast 13:02 - Jive Turkey Awards and Industry Commentary 14:25 - Introduction and Call to Action 14:50 - Dystopian CEO Behavior and AI Layoffs 15:47 - Corporate Welfare and Job Losses 17:58 - Indeed Connect: A New Product Review 21:57 - The Broken Indeed Model 22:57 - AI's Impact on Job Security 25:12 - Marketing in the Recruitment Space 27:53 - The Jive Turkey Award: A Spy Story 31:48 - C'mon, you know, Dad Joke time!

In this episode, Daniel and Darrick reveal the MLS Hack that allowed Darrick to buy 12 acres with three houses, subdivide the land, and essentially live mortgage-free. They break down how to spot undervalued acreage on the MLS, analyze subdivide opportunities, work within county regulations, and use simple tools like Land Portal to find deals that require zero marketing. If you want free land, a free house, or a smarter way to build wealth through land investing, this episode is a must-watch.What You Will Learn:- How to identify profitable MLS hacks- How subdividing can eliminate your mortgage- Key county rules that make or break a deal- The filters to use in Land Portal to find deals fast- Why “one county removed” is the ideal market================================ 

Sounder at Heart/Pulso Sports Niko Moreno drops by SDH AM to talk about the round of 8 in MLS playoffs- surprises and advances- and previews the conference finalsWe also discuss roster decisions made while the segment was going on in New York and DC- talking about Seattle's questions heading into 2026

This might look like a regular tWiRE episode… but it's not. Today you're listening to the show get built in real time while we're live. Headlines, research, prompts, scripts, thumbnails, even the AI work in the background — you get the chaos, the process, and a full weekly real estate news breakdown all at once. Here's what we're hitting while we build it in front of you: • Zillow vs Everybody: RICO Charges & Portal Power Plays Zillow Flex is now facing RICO allegations, with claims it steers buyers toward Zillow Home Loans and squeezes extra profit from financing. At the same time, Zillow's listing-access ban just went through a four-day showdown in court. We'll talk portals vs MLS power, what this means for lead gen, and how visible your listings really are online. • Referral Fees & "Consumer Choice": eXp Makes a Move eXp rolled out new referral fee disclosures and a consumer-choice-style framework. We'll connect it to the bigger transparency fight: who gets paid, when, and how clearly that's explained to buyers and sellers. • Sellers Are Ghosting the Market Delistings are jumping at the fastest pace in nearly a decade as sellers pull homes instead of cutting prices. We'll look at where this is happening, how it shows up in your MLS, and what to tell the "I'll just wait for spring" crowd. • Prices Up, Inventory Down, Luxury Pulling Away Existing home sales ticked up, but supply is slipping again. Luxury home prices are up about 5.5% year over year — roughly triple the pace of non-luxury — even with soft demand. We'll dig into why high-end buyers are still moving and what that gap means for everyone else. • Rural America's Affordability Squeeze New data shows the affordability crisis is now accelerating fastest in rural markets. "Move to the country, it's cheaper" is not a guaranteed strategy anymore. We'll talk about what that means for builders, buyers, and small-town markets. • Bigger Conforming Loan Limits in 2026 Fannie and Freddie are cleared to back loans up to $832,750 next year in many areas (more in high-cost markets). We'll hit what that does for move-up buyers, jumbo vs conforming strategy, and how agents should be framing this for clients. • Young Adults Moving Back Home (Again) More 18–34 year olds are back under their parents' roof. We'll connect the dots between rent, home prices, debt, and multigenerational living — and what that signals for future demand. All of that happens while we show you the full behind-the-scenes workflow for tWiRE: live research, note-taking, story selection, headline framing, how AI helps, and how it all becomes a finished show for agents, buyers, and investors. If you're a real estate pro, a serious buyer or seller, or just a housing-market nerd, this is your episode. ✅ Join live on YouTube and hit chat with questions, hot takes, and what you're seeing in your market ✅ Subscribe so you don't miss future episodes and deep dives ✅ Replay crew – drop your market and your biggest takeaway in the comments so we can feature you next week

Welcome to the Insert Name FC Podcast, your go-to spot for passionate, unfiltered soccer talk and everything in between! Hosted by Hector and Edward, two die-hard football fans who break down the week's hottest topics in the world of soccer—across MLS, Liga MX, CONCACAF, UEFA, international action, and more. Whether you're here for sharp analysis on the latest USMNT camp, deep dives into the madness of World Cup qualifiers, or rants about club fandom and why it's totally fine to support whatever team you love (even if you've never set foot in their city), Hector and Edward keep things fun, honest, and relatable. Expect topical debates, player spotlights, match predictions, MLS and Liga MX playoff coverage, and plenty of laughs along the way. As proud members of the Belly Up Sports Media Network, you can catch full episodes on all major podcast platforms and view video versions on YouTube. Plus, don't miss weekly players of the week, fantasy football tangents, and the occasional wild story from the world of fútbol. Subscribe, follow, and join the conversation—as the crew always says, “Who cares what anyone else thinks? Support who you want. Football's for everyone.”

10 free and low-cost tools.13 real closings.78 days of consistent activity and conversation.This session breaks down the full stack used to generate listings, off-market opportunities, investor buyers, and predictable deal flow. Each tool plays a role in lead capture, outreach, or follow-up, and together they form a simple system that can be duplicated in any market.You'll see practical examples of cold outreach sequences, homeowner dashboards, postcard workflows, and property data research, as well as the minimum effective dose tools that generate the fastest return when starting from scratch. Tune in to see how these tools work together to build momentum and drive closings.Create your FREE account AND get 100 FREE credits NOW here: http://LeadDeck.AI

Recorded: 19/11/2025I had the absolute pleasure of spending an hour chatting with MLS and NWSL analyst Catalina Bush about all things Wilfried Nancy, with a little World Cup talk thrown in at the end. If you'd like to learn more about Catalina and the ASA, you'll find the links below.A huge thanks again to Catalina. She was an outstanding guest, genuinely brilliant to speak with, and I've no doubt that once she graduates she'll become a top-class analyst (Celtic take note). It's easy to see why she was recommended to me, and I'm excited to see where her journey takes her.Hope your all enjoy this as much as I did.Ross HLinks:Catalina BushAmerican Soccer AnalysisAmerican Soccer Analysis (@americansocceranalysis.com) — Bluesky This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thecelticunderground.substack.com/subscribe

Welcome to another episode of the best Arsenal podcast out there! This week Dankoogs and guest Michael run through the latest Arsenal news including Rotations the right choice? Mosquera and MLS performances Declan Rice Rice Rice Merino our best ST Listener's questions Be sure to follow us on Twitter to keep up to date with all the latest AFC and TG news - https://twitter.com/TLGunners Love what you hear? Want more Touchline Gunners content? Join our Patreon - www.patreon.com/touchlinegunners Learn more about your ad choices. Visit podcastchoices.com/adchoices

We are joined by NYCFC Fan Manny to help us preview Saturdays Eastern Conference Finals.#InterMiamiCF #NYCFC #Messi #InterMiami #MLS #MLSPlayoffs

In real estate, an off-market deal refers to a property transaction that takes place without listing the property on the open market or using traditional marketing methods. In other words, the property is not publicly advertised for sale on multiple listing services (MLS) or real estate websites. The best real estate deals are almost always off-market, and in today's episode, I show you my top 5 strategies for finding off-market real estate deals. Join Our Investor Club: https://rebrand.ly/2y7afbq  This episode was originally released on November 17, 2023.

Wall Pass Wednesday covers it all on SDH AMWe look at the day's results in Champions League and preview the day's 9 matchesLife University's mens coach Alex Pama looks at the NAIA bracket and what Life has done so far in the tourneySounder at Heart/PulsoSports Niko Moreno drops by for the review of the round of 8 and the conference finals preview- plus some teams make roster moves- Seattle, DC, and Red Bulls... 

In this powerful conversation, luxury specialist Michael LaFido sits down with James Dwiggins—third-generation broker, co-founder of NextHome, and host of Real Estate Insiders Unfiltered—to unpack what's really happening in real estate post–August 17, 2024 and why every agent, team leader, and broker-owner needs to pay attention. James was one of the first voices in the industry to publicly lay out what the commission lawsuits and settlement would mean for real estate professionals, long before most leaders were talking about it. In this episode, he and Michael break down how offers of compensation have changed, why “just put it in the offer” is the safest path forward, and how agents may be unknowingly exposing themselves to steering claims and future litigation. They also dive deep into the high-stakes battle between Compass and Zillow, private networks, and the looming threat of a “private listings war” that could reshape the MLS, crush smaller brokerages, and even push Zillow to become a full-blown brokerage. Throughout the discussion, one theme stays front and center: your fiduciary duty to the consumer, and why transparency and exposure—not secrecy and restriction—are still the best path for both buyers and sellers. In this episode, you'll learn: What actually changed for buyers and sellers after August 17, 2024 Why calling the listing agent to ask “What will your seller pay the buyer's broker?” is a legal landmine How to structure your buyer rep and compensation conversations to reduce risk The real difference between MLS-wide private networks and brokerage-only private networks How the Compass vs. Zillow fight could trigger massive consolidation—and what that means for your future in this business

The Industry Relations Podcast is now available on your favorite podcast player! Overview In this episode, Rob and Greg dive into the newly surfaced Zillow–Compass court documents, a leaked Zillow strategy plan, and Mike DelPrete's analysis of the preliminary injunction hearing. They also discuss the broader market context—from the real cost of living in 2025 to generational tension—and debate whether the lawsuit will meaningfully change industry behavior. The conversation closes with predictions, stakes, and possible compromise paths between Compass and Zillow. Key Takeaways A "must-read" macro article kicks off the show. Rob discusses a Substack piece on the U.S. poverty line and how outdated metrics distort today's economic reality. Zillow and housing affordability tie back into the industry. The leaked Zillow strat plan is unusually strong. Both hosts agree the internal document is one of the most robust strategic plans seen in real estate, showing detailed situational analysis and clear tactical pathways. MLSs should study its structure. Compass vs. Zillow: The PI hearing matters. Rob argues the preliminary injunction ruling may reshape industry norms more than the eventual trial. If Compass wins, Zillow may need to pivot fast. If Zillow wins, Compass may face recruiting and retention issues. DelPrete's takeaway: "Nothing will change." Greg leans toward this view, citing industry inertia. Rob disagrees, pointing to long-term structural shifts like MLS loss of compensation and NAR's diminishing relevance. Broker exclusives and 3PM are the core battle. The debate centers on whether private/preview listings harm consumers or empower brokers. Greg doubts the model's long-term viability; Rob sees competitive incentives that could drive proliferation. Potential compromise ideas emerge. The hosts float options such as removing Days on Zillow, hiding public price-change history, or creating a paid Zillow product for private listings. No clear middle ground exists yet. Predictions and a steak-dinner bet. Both tentatively lean toward Compass having a better storytelling advantage in court, though the outcome is far from certain. Links Zillow's coordinated pressure campaign against MLSs   Ocusell Fills the Gap   Aligned Showings   A Strategic Analysis of the Compass v. Zillow Court Hearing   Connect with Rob and Greg Rob's Website  Greg's Website    Watch us on YouTube   Our Sponsors: Cotality  Notorious VIP The Giant Steps Job Board    Production and Editing Services by Sunbound Studios

Gotham FC complete the unthinkable, rising from the No. 8 seed to lift the NWSL Championship behind a brilliant Rose Lavelle performance — while Washington's mismanagement proves costly on the biggest stage. In MLS, the Eastern Conference is flipped upside down as Cincinnati and Philadelphia crash out at home, Lionel Messi delivers another playoff masterclass, NYCFC survive on grit, and the Western playoffs produce an instant classic between Vancouver and LAFC before San Diego punches its ticket to the conference final. Plus, we run through all the key storylines ahead of tomorrow's Champions League slate, including Liverpool's crisis, Arsenal–Bayern's top-tier showdown, and a heavily depleted Real Madrid heading to Greece. We also get you set with all of the World Cup news out of FIFA today. It's chaos, it's trophies, it's playoff mayhem, it's Atlanta Soccer Tonight.

Jordan is on his own this week for the holiday and discusses the changes to the MLS Calendar, MLS adding divisions, and Apple TV being the new home for MLS without having a separate sub for MLS Season Pass. Then he discusses the results for the Conference Semi Finals and look ahead to the Conference Finals.  Follow the show: Twitter: @statesideshow Instagram: @statesideshow Facebook.com/Statesideshow Youtube: youtube.com/@statesideshow Email: statesideshow@gmail.com Linktree: https://linktr.ee/statesideshow Learn more about your ad choices. Visit megaphone.fm/adchoices

Trey and Ryan discuss the RSL 2026 schedule announcement, including the confirmation of Messi and Inter Miami visiting Utah for the first time this April. Also, big changes to the MLS calendar and what it will mean for RSL in 2027 and beyond- break out the orange balls!

Former Revolution midfielder Steve Ralston joins the Far Post Podcast crew with some entertaining stories from throughout his tenure with the club.

In this episode of the Designated Players Podcast, the guys are back and this week we're coming with a double whammy as we're recapping the conference semifinals and predicting the conference finals! Some really exciting games this round to recap, and then we're going to preview each matchup as the teams are one step away from MLS Cup Finals. Let us know your thoughts!#MLS #MLSCup #mlscupplayoffs #ATLUTD #atlantaunited #austinfc #charlottefc #forthecrown #cf97 #chicagofire #fccincinnati #fcc #allforcincy #coloradorapids #rapids96 #columbuscrew #crew96 #dcu #dcunited #fcdallas #dtid #houstondynamo #holditdown #sportingkc #skc #lagalaxy #losangeles #lafc #intermiami #intermiamicf #messi #lionelmessi #minnesotaunited #mnufc #legionofloons #cfmtl #cfmontreal #nashvillesc #everyonen #newenglandrevolution #nerevs #newyorkredbulls #rbny #NYCFC #newyorkcity #orlandocity #orlandocitysc #philadelphiaunion #DOOP #portlandtimbers #RCTID #RSL #realsaltlake #sanjoseearthquakes #quakes74 #seattlesounders #sounders #stlouiscity #STL #allforcity #TFCLive #torontofc #vancouverwhitecaps #VWFC #USL #uslchampionship #mlsseasonpass #AppleTV #luissuarez #leaguescupRecorded on: 11/25/2025 Let us know your thoughts and if we got it right or right! Send any emails with questions or comments to: thedppod@gmail.comFollow the Pod on Social Media!Website: https://thedppod.buzzsprout.com/Twitter: https://twitter.com/TheDPPod1Instagram: https://www.instagram.com/designated_players_podcast_/Facebook: https://www.facebook.com/TheDPPodTikTok: https://www.tiktok.com/@thedppodHave a thought, comment, question, or suggestion? Send us a message and let us know!Support the show

Join us LIVE on La Cuna Galaxiana as we break down some HUGE Galaxy news — the 2026 LA Galaxy calendar release, MLS Playoff shockers (Messi & Inter Miami advance, Son & LAFC eliminated), and our full season-end defender grades for the Galaxy. ⚽We'll analyze what the new schedule means for L.A., discuss the playoff shakeups across the league, and evaluate each Galaxy defender's performance this season. Whether you're a die-hard Galaxy fan or an MLS follower, this stream has something for everyone.

Cristina Alexander, Herculez Gomez, and Shaka Hislop discuss Lionel Messi & Inter Miami taking down FC Cincinnati to advance in the MLS playoffs. Then, discussion on Luis Suárez being dropped from Inter Miami's starting XI and Christian Pulisic making his mark in the Milan Derby. Plus, reaction to Wilfried Nancy being linked to Celtic FC. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Farewell to a sports leader; Hal Steinbrenner talks economics and MLS gets a big boost in Vancouver and San Diego Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hosts Alex Kirshner, Lindsay Gibbs, and Ben Lindbergh speak with the Athletic's Paul Tenorio on why Apple TV and MLS revised their deal and removed the paywall for viewers. They're then joined by Massachusetts state senator John Keenan about his proposal to regulate online sports betting and why he's changed his views on the issue. Finally, they wrap with a discussion of Connor Bedard and Macklin Celebrini, the young hockey phenoms leading the NHL in scoring. Lindsay has an Afterball on the one New York team that is actually good: Gotham FC. On the bonus episode available exclusively for Slate Plus members, the panel discusses the abysmal football on display from both the New York Jets and Giants. Apple and MLS (6:00): Tear down the wall Regulating Big Gaming (25:41): Mass. state senator John Keenan wants to rein in sports betting Hockey's Young Guns (51:36): Shooting it out for the Art Ross trophy Afterballs (1:07:04): The Bats win it (Note: time codes are only accurate for Slate Plus members, who listen ad-free.) Get more Hang Up and Listen with Slate Plus! Join for weekly bonus episodes of Hang Up and Listen and ad-free listening on all your favorite Slate podcasts. Subscribe from the Hang Up and Listen show page on Apple Podcasts or Spotify, or visit slate.com/hangupplus for access wherever you listen. You can email us at hangup@slate.com. Podcast production and editing by Kevin Bendis, with production assistance from Patrick Fort. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hosts Alex Kirshner, Lindsay Gibbs, and Ben Lindbergh speak with the Athletic's Paul Tenorio on why Apple TV and MLS revised their deal and removed the paywall for viewers. They're then joined by Massachusetts state senator John Keenan about his proposal to regulate online sports betting and why he's changed his views on the issue. Finally, they wrap with a discussion of Connor Bedard and Macklin Celebrini, the young hockey phenoms leading the NHL in scoring. Lindsay has an Afterball on the one New York team that is actually good: Gotham FC. On the bonus episode available exclusively for Slate Plus members, the panel discusses the abysmal football on display from both the New York Jets and Giants. Apple and MLS (6:00): Tear down the wall Regulating Big Gaming (25:41): Mass. state senator John Keenan wants to rein in sports betting Hockey's Young Guns (51:36): Shooting it out for the Art Ross trophy Afterballs (1:07:04): The Bats win it (Note: time codes are only accurate for Slate Plus members, who listen ad-free.) Get more Hang Up and Listen with Slate Plus! Join for weekly bonus episodes of Hang Up and Listen and ad-free listening on all your favorite Slate podcasts. Subscribe from the Hang Up and Listen show page on Apple Podcasts or Spotify, or visit slate.com/hangupplus for access wherever you listen. You can email us at hangup@slate.com. Podcast production and editing by Kevin Bendis, with production assistance from Patrick Fort. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith tells how much he paid for his first property and how he traded up for more and larger properties.  He highlights the benefits of owning real estate, noting that 63% of the median American's net worth is in home equity and retirement accounts, while the top 1% has 45% in private business and real estate.  He also shares his personal journey and emphasizes using other people's money to grow assets. Discover why outdated rent control policies harm housing supply and affordability.  Learn innovative ways to turn your property's unused spaces into effortless cash flow with today's best peer-to-peer platforms.  Sign up at GREletter.com to grow your means, and join a thriving community passionate about breaking free from financial limits! Resources: These platforms let property owners creatively monetize underutilized spaces. Neighbor.com – Rent out your garage, basement, driveway, or unused space. Swimply.com  – Rent out your swimming pool by the hour. StoreAtMyHouse.com  – Rent out your attic, closet, or other home storage spaces. SniffSpot.com  – Rent out your backyard as a private dog park. PureStorage.co  – Rent out extra storage space such as garages or sheds. PeerSpace.com  – Rent out your space (home, backyard, loft, warehouse, etc.) for events, meetings, or photoshoots. Episode Page: GetRichEducation.com/581 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or 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, talking about how I personally built and grew wealth myself with real numbers and real properties, what a rent freeze actually means to you, and how you could be losing income by not creatively generating more rent from properties that you already own. I'll talk about exactly how today on Get Rich Education.   Speaker 1  0:27   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 of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   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  1:29   Welcome to GRE from Stonehenge, England to Stone Mountain, Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. I visited Stonehenge and made, by the way, today I'm back for another incomprehensibly slack jawed performance here, still a shaved mammal too. Status hasn't changed. And remain profligate and unrepentant about the whole thing. You probably know it by now that if you're listening here and you want to learn and do things the same way that everyone else does things, then you are squarely in the wrong place. I really mean it more on that later. But you know, Wall Street doesn't scorn real estate because it's risky. They dislike it because it doesn't scale the way that they need it to private real estate can get messy, operational, illiquid. Every real estate deal is different. Every market has its own physics. You can't package it into a fund with a push button deploy strategy. And that's precisely the point. The modern financial system rewards frictionless products that trade constantly and generate fees instead building real, durable wealth has never been frictionless. Here's what the wealth distribution actually shows for the median American. 63% of net worth is in home equity and retirement accounts. For the top 10% that tier, 25% is in real estate and private business ownership. But for the top 1% that highest tier, 45% combined is in private business equity and real estate. So as you approach the top 1% it's more skewed toward owning a business and directly owning real estate. Wall Street, they only offer derivative exposure to real estate through mega funds and REITs. But exposure isn't ownership. Your best risk adjusted returns live in the deals that are too small and too messy for institutions to touch, and that's where your yield lives. The control, the opportunity, the world's enduring fortunes weren't built just by buying exposure. They were built by owning things, land companies, assets that require some sweat to get them going. The next decade favors owners over allocators, the stuff that pays you perpetual dividends. So the irony is that the very things Wall Street avoids the messy hands on part of real estate. Oh, well, that's what makes it such a powerful wealth builder. And see, even, as we somewhat found out last week when we talked about AI property management here on the show, you can't fully automate relationships or construction or management, but that friction is exactly where the margin lives. What makes real estate frustrating for institutions is exactly what makes it valuable for operators and long term owners like you and I. It's the nuance, the inefficiency and the need to actually. Know something about a market, rather than just model it. Wealth that lasts comes from assets that you can influence, not just monitor, and that is the difference between you having mere exposure and true ownership. You can't outsource legacy, the messy path of ownership is often where meaning in real freedom is found. You've got to tend to the garden somewhat, whether your properties are professionally managed or self managed, but some people get overwhelmed if they're asked for a log in and a password, even we all know that feeling somewhat well, then they stay metaphorically logged out of success. Think about how easy remotely managing your real estate portfolio is today. Sheesh 200 years ago. There was no anesthesia. We had smallpox, brutal physical labor, no electricity today. What if a website tells you that you've got to reset your password? Oh my gosh, is the deal often just overwhelming? Can you imagine the effort now, two weeks ago, I mentioned to you that I went back and visited the first piece of real estate that I ever owned, that seminal blue fourplex. But did I ever tell you how I grew that seed into a massive real estate portfolio, and how you can do it by following GRE principles? Let me take you through the early steps here so you can see how you can get something similar going. Of course, your path will look different, but this is going to spawn a lot of ideas for you. I think you already know about my 10k to 11k down payment into that first ever fourplex as the FHA three and a half percent down. Owner occupied, but I didn't buy another piece of real estate for over three years, because real estate just was not that driving thing in my life yet. So I lived in one of those really modest four Plex units longer than I had to three plus years after that, I moved out to a pretty modest, still single family home five miles away, that I had just bought. And since I vacated one of the four Plex units in order to do that. Now, I had four rent incomes instead of three. But here is really the pivot point with what happened next. Now, what would most people do? They might hold on to that four Plex, keep self managing it, and when they could, perhaps aggressively, make principal payments, getting the building paid off before its organic 30 year amortization period. And then what else would they do once it was paid off? Say that would take them 12 years, which would entail a lot of sacrifice, like working overtime at their job and skipping vacations. Oh, they think something like, Oh, now the cash flow is really going to pour in with his paid off fourplex? Yeah, it sure would increase a lot, but after 12 years of toil and sacrifice cashflow off of one fourplex still wouldn't even let you quit your job. Staying small doesn't work, plus you live below your means for a really long time that is sweat and time that you're never going to relinquish. You started working for money. Rather than letting other people's money take over and work for you, it is right there waiting to do that for you. So instead of that path, what I did is when equity ran up in that first fourplex building. Its value increased from 295, to 425, in three and a third years, I did exactly the opposite. I borrowed the maximum out of that first fourplex building, 90% CLTV, and used those tax free funds. Yeah, tax free funds, when you do that to both spend money, well on vacations and make a 10% down payment on a second fourplex building that costs 530k now I'm still living in the single family home while I've got the two fourplex buildings, both with 90% loans on them, still cashflowing A little so eight rent incomes, more debt than I ever had, 10 to one leverage on two fourplexes, and this was all less than five years from the time that I bought the first fourplex. And yes, it probably took some password resets in there. Then next I learned that investing in only one Metro, which is what I had done to that point, that's actually pretty risky, because all eight of my rent incomes, plus my own primary residence, were exposed to the whims fortunes and misfortunes of only one economy. This was in 2012 now, so I started buying turnkey single family. Rentals in other economies that make sense. Investor advantage places is what you've got to look for, Florida, Texas, Ohio, Alabama, Tennessee. My first turnkey was bought in the Dallas Fort Worth metro. I know I've told you that before, all right, but how was I buying more even though I was still working a day job in a cubicle for the D, o, t. Well, it wasn't from my job, because that job is working for money. What it was is borrow tax free and grow, borrow tax free and grow, borrow tax free and grow. By then, enough equity had accumulated in the first two fourplexes that I traded, one for an eight Plex and the other for an 11 Plex. Now we're getting up to $3,500 of monthly cashflow at this point, which is probably 5k plus per month in inflation adjusted terms. And the 8plex cost 760k and the 11 Plex cost 850k back then, and I still remember that that was a big day for me back then, those buildings closed on either the same day or on consecutive days. I forget. Well, that was 1.6 million in purchases. Maybe that's two to two and a half million in today's dollars. And see that is sure more than what one paid off fourplex would have given me on that old slow track, yet I had all of this faster than waiting 12 years to aggressively pay off one fourplex. And you know, some could say back at that time, they would look at that situation from the outside and say, Keith, where did you get the money to make 20% down payments on that 1.6 million worth of real estate, that is 320k cash? Did you save up all the money? No, I didn't. I didn't have the ability to save that much money at my job. Did you use your existing properties like ATMs, raiding one property to buy another. Yeah, that's exactly what I did. That is the use of other people's money that is wiser than spending my time away from loved ones by selling my time for dollars that I'm never going to get back. And by the way, I have always been the sole owner of properties. No partners here. Now, at this point, I've got dozens of running units spread across multiple states, all professionally managed. And by the way, eight doors is the most that I've ever self managed, because I got professional management involved after that. Oh, there are a ton of lessons in there about what I just told you, many of them, which I've sprinkled through more than 500 episodes now, but now that I told you where I came from, do you know the lesson that I want to leave you with here on this one, for the most part, it's that I'm not even using my own money to do this now, I did add some of my own money for down payments. Sure, by far the minority portion, primarily and centrally. I keep leveraging the bank's money, and they make the down payment for me on the next property. Borrow tax free and grow, borrow tax free and grow, borrow tax free and grow. Yes, the pace of you doing this is going to fluctuate over time, but that is the playbook that I just gave you right there. Now I've done it in cycles that feel slower because appreciation is lower, but interest rates tend to be lower during those times. And I keep doing it in cycles that move faster because appreciation is higher and interest rates tend to be higher during those times. I've done it when lending was loose, like pre Dodd Frank, and I've done it when lending was tight and inflationary. Times supercharged this whole thing. Sooner than later, you would rather get $5 million worth of real estate out there under your belt, all floating up with inflation and appreciation, not just $1 million worth, $1 million worth, that's more like sticking with one fourplex and trying to pay it off. Anything worth doing, anything in your life is worth doing. Well, look, other people's money is still available to me and to you. So using my own money back when I was an employee, I mean, that's exactly when I would have had to trade more of my finite time for dollars and see, that's what the masses do, and that's precisely what keeps them as the mediocre masses. I really mean it. Now, I wanted to make things real for you with that soliloquy.   Keith Weinhold  14:47   Later today, I'll discuss the GRE principles. Did that formative story spawn? A few weeks ago, it made substantial news inside and outside the real estate world that Zohran Mamdani was elected to be the next New York City Mayor. His first day on the job will be the first of the coming year. And actually, it's easy for you to remember how New York City mayoral terms work, because it is the same as the President of the United States. Each term lasts four years, and they can serve up to two consecutive terms eight years. Let's you and I listen into the audio from this short video clip together. This Mamdani campaign spot ran back before election day, but it tells you what he stands for and where he's coming from with regard to rent. In a slightly corny way, the ad shows various tenants popping their heads out of apartment windows and such, saying like, Hey, wait, what? You're going to freeze my rent?   Speaker 2  15:50   I'm Assemblyman Zohran Mamdani, and I'm running for mayor to freeze the rent for every rent stabilized tenant.   Unknown Speaker  15:57   Wait, you're gonna freeze my rent?   Speaker 3  15:59   Yes, did I hear rent freeze?   Speaker 4  16:02   Yes, this guy's gonna freeze the rent. No. Pike none. This guy's gonna freeze the   Unknown Speaker  16:09   rent. It's true.   Dani-Lynn Robison  16:12   As your next mayor, I will freeze your rent paid for by Zoran for NYC.   Speaker 5  16:17   The banner at the end of the ad reads, Zoran for an affordable New York City. Oh, yeah, slogans like that are so catchy for anything. All right, he says he's going to freeze the rent for every rent stabilized tenant. And rent control and rent stabilization, they mean very similar things, ceilings on the rent. I'm soon going to tell you what I think about that, and I've got more on Mamdani shortly, but it's not going to be political This is not that kind of show. This is an investing show. I think that even our foreign listeners know how big and influential New York City is. It's not the political capital, but it is the capital of so many things in the United States, it's America's largest city by far, eight and a half million just in the city proper, 20 million in the metro. And New York's growing in sheer number of people. The Metro gained more population than any other city, almost a quarter million people added just last year, even if you doubled the population of the second largest city, LA, New York City would still be larger. All right. Well, how did we get here? A quick story of New York City rent control is that in 1918 New York City passed its first flavor of rent control, and that was the first US city to do so that didn't solve the problem. So in 1943 Congress passed the emergency price control act, and its name implied a temporary patch during World War Two. But even after it expired, and even after the war ended, New York State chose to make it basically permanent in 1950 that didn't solve the problem. So in 1962 New York state passed a law allowing cities to enact expanded rent control if they declared a, quote, housing emergency. Well, New York City did, and that housing emergency has essentially continued unresolved. Still, what they consider an emergency condition persists today, yeah, all these decades later. I mean, really a what, 60 to 70 year long emergency condition that didn't solve the problem. So in 1969 new york city passed what they called rent stabilization. It's really just a new flavor of rent control, and this greatly expanded the number of properties that were subject to these rent regulations. And about half of New York City's apartments are subject to that law that didn't solve the problem. So more expansion and more tweaks of regulating the rent were made in the decades that followed. You had notable ones in 1997 2003 2011 in 2015 but none of them solved the problem. So in 2019 New York expanded rent stabilization to include what they call vacancy control. Now what that means is rent caps are now applied to new renters, not just those existing tenants renewing a lease, and it also granted more tenant protections that didn't solve the problem. So in 2024 New York State passed what they call good cause eviction. That is a third expansion of rent regulation in these tenant protections. This time, they just gave it a slick name, kind of apropos of Madison Avenue's famed market. Marketing prowess. I suppose that didn't solve the problem. And by the way, rent caps came in below not only the rate of inflation, but also below household income growth almost every year over the last decade, and in some years, no increase was allowed at all. That is a rent freeze. But that didn't work either. And meanwhile, New York's public housing agency has 80 billion in deferred maintenance needs, and it's running a $200 million plus operating deficit. So government run housing that hasn't worked either. All right? Well, that brings us to 2025 where New York City is electing a mayor who campaign on freezing the rents and expanding public housing. So New York City now has, for over a century, chosen to expand and rebrand these ideas that just haven't worked, and yet they keep coming back for more and yeah, what exactly is the word for doubling and tripling and quadrupling down on ideas that have proven not to work? Is that word stupidity? Hmm, so throughout that history that I just brought you from 1918 whenever I say that didn't work, what do I mean by that? And here's the big takeaway for you. What I mean is that rent control hasn't worked in New York City because it discourages landlords from maintaining rental housing, and certainly from building new rental housing. So what that does is that it shrinks the supply over time When demand exceeds supply, you know what happens to price? And in Manhattan, just the studio apartment now averages $4,150 and the average rent citywide, that's Manhattan, Brooklyn, Queens, the Bronx and Staten Island, which does include some rough areas in this average rent is $3,560 so as a result, what really happens here is that rent control helps a few lucky tenants while driving up rents and then worsening the shortages for everyone else. So what is the solution here? It is simple. Actually do less. I mean, isn't it great when you can solve a problem in your life by actually doing less? Yeah, drop the regulations against building and drop all forms of rent control, that way we'll have more building, and with higher supply, natural price discovery could take place. So he says he's going to freeze the rent for every rent stabilized tenant. And you can start to understand why we don't discuss investing in New York City Housing very much on GRE what we do. We talk about it as a model of what not to do. The good news is that I don't have any evidence of rent control spreading into the investor advantage areas that we talk about here, like the southeast and the south central part of the United States and the Midwest. But here's the thing, just ask yourself this question, what if there was a force imposed on you by popular vote that froze your income. Okay, I'm talking about no matter what you do from work you're a software engineer, a doctor, a nurse, a paralegal, a carpenter. Would you think that was really unjust if your profession were singled out, and then voters said, hey, no more raises for you. We don't care if there's inflation, we don't care if you're getting better at your job. We don't care if you have rising expenses. We're going to put a cap on your income. How would you like that? Well, look, in New York City, they're voting for landlord's income to be frozen. They are singling out one profession, and these are really important people. These are the housing providers. So by the way, I've heard two people describe New York City mayor elect Zohran mandami. Is a good looking man? Is he good looking? I had to go look again. When people said this, I guess he's not bad looking. And hey, despite being a heterosexual male, I can say that some guys are good looking. I just never thought that with him.   Speaker 5  24:32   Now, do you have one friend kind of have that type of friend who always just seems to know what's happening in the housing market? Well, that person could be you. There is a way to do that. Boom, it's easy, and you're going to sound smart without reading a single boring, fed report. I don't sell courses. I don't wear sunglasses indoors, and I definitely don't tell you. To flip houses on Tiktok. I just talk here, and I send you a smart, short real estate newsletter. That's it. This is smart stuff that you can brag about at boring dinner parties, and you've got a lot of those coming up here at the holidays. It is free. I write our letter myself, and I'd love to have you as a reader, sign up at greletter.com it's quick and easy. Your future wealth will thank you for it. See what I did there. It takes less than three minutes to read, and it is super informative. GREletter.com Again, that's greletter.com, I've got more straight ahead.    Keith Weinhold  25:45   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989   Keith Weinhold  26:57   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 chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dani-Lynn Robison  27:30   this is freedom family investments, co founder day. Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  27:37   welcome back to get reciprocation. I'm your host. Keith Weinhold, earlier this year, I talked to you about new ways where you can generate more income from the properties that you already own, and doing that through peer to peer leasing platforms, I got feedback from you that you loved it when I talked about it on that episode. Well, I've got more of them to tell you about today. This is exciting. Is there money sitting right under your nose and you haven't even collected it yet? And sometimes this happens in the world. This has nothing to do with finding Uranus, but it is similar to how they just discovered a new moon of Uranus, even though it's only six miles wide. Yes, that's something that scientists recently discovered, yes, much like this new small moon of Uranus that was really always there, but just discovered, metaphorically, this is what we're talking about with your real estate here now. This is a lot like how Airbnb rattled the hotel world about 15 years ago. These platforms let you rent out space and amenities that you already own but barely use. Neighbor.com, is the first one. I'm not going to say.com every time, because most of them are that way, and they've got a mobile app of the same name, all right, neighbor that's like Airbnb for your garage or your basement or even that creepy crawl space that you never go into. So instead of letting junk collect dust, you rent out your unused space to people who need that storage, meaning then that their clutter pays your mortgage. So customers request space and then you approve it. That's how it works. In fact, we have a woman here on staff at get rich education that easily made about 1000 bucks personally on neighbor, she rented out a parking space in her driveway. She rented that space to a college student that needed a place to park her car while she went back home for the summer. You can easily do that too. Then there. Swimply, S, W, I, M, P, L, Y, rent out your pool by the hour. Yes, your pool is no longer just for cannonballs, awkward barbecues and tanning sessions that you regret, although not typically, I've read about how some people have made passive income streams of $15,000 per month this way. I mean, gosh, did Marco Polo just get turned into a side hustle? Or what that is, swimply. Then there is store@myhouse.com Do you have an empty closet or an attic? You can turn that into a treasure vault for stranger stuff, and you can get paid while their clutter hides in your home instead of their home. So think of it as maybe some pretty passive income, only dustier, and who even lives there in your attic right now? Anyway, a bunch of raccoons. They're not paying your rent again. That is called store at my house. Sniff spot. It turns your backyard into a private dog park. Yeah, local pet owners can book your yard by the hour to let their pups run and sniff and play. You provide the grass. They bring the zoomies, and you pocket the cash that is sniff spot, Pure Storage. That one is a.co when people need storage, you swoop in like a friendly capitalist neighbor with your extra space. So you rent out your garage or a shed, or, say, even a corner of your basement, and you watch empty become income, you are basically running a mini Self Storage empire without the neon sign. I mean, sheesh, you are kind of like Jeff Bezos with cobwebs here. Okay. Again, that is purestorage.co, then there's peer space. Now I've used this one before, personally, and so has someone else here on staff on GRE she actually told me about it. What I did is I paid for a few hours as a renter, not the landlord on peerspace. In fact, I rented this space this past summer to give an in person real estate presentation where I covered real estate pays five ways and the inflation triple crown and all of that with peer space, you rent out your space for events, okay, so your home or your backyard or loft or some funky warehouse, you rent that out by the hour, and those events could be film shoots or workshops or parties or other events. That's what peer space is for. I mean, that could be a cool backdrop for an influencer or a film crew that has a pretty big budget. Renters come to you with alacrity. They will come to you because they can often save 50% or more versus using more traditional avenues. There, in fact, even public storage, like that's the company name Public Storage. They're the nation's largest self storage space operator. They even use neighbor.com to help lease out their leftover inventory. And so do some REITs that have extra space at their office or retail or apartment properties. They use neighbor.com as well. All right, so that's my roundup of more peer to peer leasing platforms, a few more of them than I told you about earlier this year, and the types of listings you can get creative. People are getting creative. They are monetizing everything from empty barns to vacant strip mall storefronts to church parking lots. I mean, consider how often church parking lots are empty. They're empty almost every day except Sunday. So get creative and think about space that's not being used. One thing to look out for, though, is that your HOA might try to crush your entrepreneurial spirit here. So keep that in mind. Just look around. Do you own any underutilized space or asset that you can rent out. Well, chances are there's already a peer to peer rental platform for it. And when you visit any of these platforms that I told you about, I mean, you're probably already going to see people offering space in your neighborhood. You'll be surprised.    Keith Weinhold  34:39   And this is not some unproven fad. Turo really took off about 10 years ago when they realized that most Americans' cars just sit idle, more than 95% of their time in their driveway or in their garage. Well, at that point, everyday people started to lease out their cars. Cars on Truro. So the bottom line here is that if you own most any real estate, then you've got options, and you can often make the rules peer to peer. Leasing platforms add new income streams to your life, and if you read my Don't quit your Daydream letter, you'll remember that I wrote about those resources and gave you their links and everything. See, that's the type of material that I put in the letter sometimes and again. You can get it at gre letter.com It shows you how to build wealth, much like I've been talking about on the show today. This is vital, because the conventional consumer finance world, you know, they just don't tell you about things like this. For example, did you ever wonder why economists aren't rich like maybe you would think that they would be Well, it's because schools and universities, they don't really teach you how to make money so someone can have an advanced degree, a Master's, or even a doctorate. That degree will be in finance or in economics, but they're still broke, or they're still trapped by their job, because the only way they know how to make money is by having a job. There's nothing wrong with having a job, but that's the only thing they know. They never learn how to earn and multiply money like with what I've been discussing today. Economists make between 70k and 180k per year in America today, you know, school taught both us and them the theory of money, how it's counted, how it's tracked, and how it flows through the system, but it really didn't teach them how to build a little diverter device on that flow to earn it or create it or leverage it to build freedom for themselves. And that is why this show is here. That's not a knock on economists. Economists are brilliant people, and some of the best known ones are guests on the show here with us. At times, we don't just want to live in a world of models and charts, though, when you build real world wealth with mortgages and markets and moves that don't always fit inside a formula, and certainly not a conventional one that you grew up with. So when you hear the experts talk about where the economy's heading, sure listen to them. I listen to them, but be sure to apply that to your own balance sheet, because you don't build wealth in theory, you build it in real life.    Keith Weinhold  37:44   Then how do you get a good deal? Build a relationship with a GRE investment coach like Naresh. Here you can do that on just 130 minute call with him, and then when the deal that you want becomes available, he'll let you know. By the time you find something on the internet, it's going to be too late, because that means a lot of people have already passed on that deal. If it's already out there publicly, like I said earlier, if you want to learn and do things the same way that everyone else does, then you are squarely in the wrong place. I really mean it. And why would that be? In fact, what does everyone else have? Not enough money at the end of the month, a budget where they constantly have to make sacrifices to meet it, because they think that is the way and they live below their means instead of grow their means. The underlying philosophy here at GRE is, don't live below your means. Grow your means. In fact, we have a T shirt with Grow Your means on it and our logo on it in our merch shop. That's why GRE has a tree in the logo. Grow your means. Instead of shrinking your lifestyle to fit your income, it's about expanding your income to fit your ambition, so don't cut your dreams to match your paycheck. Grow your paycheck to match your dreams. This really reflects the abundance mindset behind get rich education, that wealth isn't built by pinching pennies, but by creating more cash flow and assets and income streams in practical terms, like with what I talked about, about growing my own portfolio back at the beginning of today's show, this means buying cash flowing real estate that's growing your means leveraging good debt that's growing your means using inflation to advantage, that's growing your means investing in yourself or in new ventures. That's growing your means it's the mindset opposite of budget, harder. It is earn smarter at its core, grow your means. What that means is expand your capabilities in. Not just your comfort zone. Use creativity and leverage to multiply your results. View financial growth as a positive, proactive act, not a greedy one, because you're going to serve others with good housing and maintain it. This all encourages abundance over austerity, and it's the same idea behind the tagline financially free beats debt free.    Keith Weinhold  40:27   Thanksgiving is coming up this week, and I'll tell you something. Luckily, American ingenuity improved since the Pilgrims left England, traveled to a totally new continent, and called it New England. Fortunately, we have become more innovative since then, you are about to have more topics for conversation with family at the holidays. And note that Gen Z, ages 13 to 28 they are more likely to talk money today than they did previously. They are kind of the share everything on social generation. Tell relatives about your real estate investing, or at least some of the ideas you have. Tell them, perhaps something that they would be surprised to hear, that you learned on this show, like mortgage rates are, in fact, historically low today, actually, or something like that. And at Thanksgiving or Christmas, please tell a friend about the show. GRE is the work of my life, and that would mean the world to me. If you like listening every week, tell a friend about the show. Now use the Share button on your podcatcher if this show helps you see money or real estate differently. On Apple podcasts, touch the three dots and then the Share button. On Spotify, I think you can just hit the Share icon, the little rectangle with the arrow, and post it to your social feed or social story. That's how more people learn how to build real wealth like we do here at GRE and even better, Don't hoard the good stuff. If you learn something here, engage in the nicest kind of wealth redistribution. Tap the Share button right now and text this episode to one friend who'd appreciate it. Until next week, I'm your host, Keith Weinhold, have a happy Thanksgiving, and don't quit your Daydream.   Speaker 6  42:29   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  42:57   The preceding program was brought to you by your home for wealth building get richeducation.com

Hosts Alex Kirshner, Lindsay Gibbs, and Ben Lindbergh speak with the Athletic's Paul Tenorio on why Apple TV and MLS revised their deal and removed the paywall for viewers. They're then joined by Massachusetts state senator John Keenan about his proposal to regulate online sports betting and why he's changed his views on the issue. Finally, they wrap with a discussion of Connor Bedard and Macklin Celebrini, the young hockey phenoms leading the NHL in scoring. Lindsay has an Afterball on the one New York team that is actually good: Gotham FC. On the bonus episode available exclusively for Slate Plus members, the panel discusses the abysmal football on display from both the New York Jets and Giants. Apple and MLS (6:00): Tear down the wall Regulating Big Gaming (25:41): Mass. state senator John Keenan wants to rein in sports betting Hockey's Young Guns (51:36): Shooting it out for the Art Ross trophy Afterballs (1:07:04): The Bats win it (Note: time codes are only accurate for Slate Plus members, who listen ad-free.) Get more Hang Up and Listen with Slate Plus! Join for weekly bonus episodes of Hang Up and Listen and ad-free listening on all your favorite Slate podcasts. Subscribe from the Hang Up and Listen show page on Apple Podcasts or Spotify, or visit slate.com/hangupplus for access wherever you listen. You can email us at hangup@slate.com. Podcast production and editing by Kevin Bendis, with production assistance from Patrick Fort. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hosts Alex Kirshner, Lindsay Gibbs, and Ben Lindbergh speak with the Athletic's Paul Tenorio on why Apple TV and MLS revised their deal and removed the paywall for viewers. They're then joined by Massachusetts state senator John Keenan about his proposal to regulate online sports betting and why he's changed his views on the issue. Finally, they wrap with a discussion of Connor Bedard and Macklin Celebrini, the young hockey phenoms leading the NHL in scoring. Lindsay has an Afterball on the one New York team that is actually good: Gotham FC. On the bonus episode available exclusively for Slate Plus members, the panel discusses the abysmal football on display from both the New York Jets and Giants. Apple and MLS (6:00): Tear down the wall Regulating Big Gaming (25:41): Mass. state senator John Keenan wants to rein in sports betting Hockey's Young Guns (51:36): Shooting it out for the Art Ross trophy Afterballs (1:07:04): The Bats win it (Note: time codes are only accurate for Slate Plus members, who listen ad-free.) Get more Hang Up and Listen with Slate Plus! Join for weekly bonus episodes of Hang Up and Listen and ad-free listening on all your favorite Slate podcasts. Subscribe from the Hang Up and Listen show page on Apple Podcasts or Spotify, or visit slate.com/hangupplus for access wherever you listen. You can email us at hangup@slate.com. Podcast production and editing by Kevin Bendis, with production assistance from Patrick Fort. Learn more about your ad choices. Visit megaphone.fm/adchoices