Podcasts about lender

1 hour and 35 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Illinois Starts at 0:51 Hail to the Big Ten champions... before March! Dusty in year two has won at Mackey, Breslin, and whatever Illinois' arena is nicknamed. This was supposed to be a scary game and it wasn't even close, the players loved the energy. The major bummer is that LJ Cason is out for the year with an ACL injury. Can Yaxel check a top five draft point guard? Yes. No turnovers for Cadeau! But he probably has to go from 26 minutes per game to 35 and needs to be much more careful about foul trouble now. It just felt like Illinois had to work so hard to get anything in the second half and they weren't used to that. Illinois played their much better defender for only 10 minutes. Shot volume was similar for both teams but Michigan was able to win from 2-point shots. 2. Men's Basketball vs Minnesota Starts at 25:20 Minnesota comes in with basically no basketball team, they're down on their luck. But they played zone better than a lot of teams on Michigan's schedule. In the first half Michigan had trouble getting to the rim so they kicked it out for open threes. Parts of it felt bad. This game felt like playing Maryland the week before Ohio State. Niko Medved did a great job with what he had, Brian is still high on him. Early in the season Iowa seemed like it would be a really tough game, now Iowa is tailspinning a little bit. Iowa's defense is improved from Fran but not in a way that will stop Michigan. Michigan is still probably a #1 seed if they lose out. They should raise the banner in Michigan State's face at pre-game.  3. Hot Takes and Hockey vs Minnesota Starts at 43:34 Takes hotter than Morez Johnson sitting in front of that crowd and being like "I don't care, I'm gonna be the Kenpom MVP in a 20 point win spiritually because I'm Morez Johnson and nothing phases me at all!" Michigan splits against Minnesota, which almost didn't matter until Michigan State only got two points against Ohio State. This team is a little too Jekyll & Hyde. Starting the Thursday game 1-9 in shots isn't great. Powerplays used to be more whizz-bang and they've been lacking lately. Michigan's defense is like Nebraska running the triple option - they always need to have a 5'2" puck wizard defenseman. MSU's coach tried to chase down an official on the ice which is a silly thing to attempt. Michigan is up two points in the standings but Michigan State has two more games. Time for another year of complaining about the NCAA hockey tournament format. 4. Stickball and Gimmicky Top Five Starts at 1:15:10 Baseball - good Softball - not good Gimmicky Top Five Things You'd Change in the Winter Olympics. Normal guy Olympics. Mountaineering should include getting a kid into ski gear. We don't talk about ski injuries. Winter beach volleyball?    MUSIC: "Don't Fight It"—Kenny Loggins and Steve Perry "Better Way"—Motenko "Take My Heart"—The Teskey Brothers “Across 110th Street”—JJ Johnson and his Orchestra   

Mortgage rates have officially dropped below 6% for the first time in more than three years. The average 30-year fixed rate is now 5.98%, according to Freddie Mac — a key psychological and financial shift for the housing market. In this episode, Kathy breaks down what lower rates mean for buying power, inventory levels, and home prices. Zillow reports that the median-income household has gained more than $30,000 in purchasing power compared to last year, putting over 80,000 additional homes within reach. But with prices still up roughly 50% since 2020 and rising for the 31st straight month, affordability remains a challenge. Will sub-6% rates bring buyers back into the market? Could it loosen the lock-in effect and increase listings? And what does this mean for real estate investors in 2026? We'll explain what's changing — and what isn't.

Send a textSwapping first-time homebuyer journeys with San Antonio Realtors Matt Reyna and Zach Enriquez—what we believed going in, what surprised us, what almost derailed the process, and what we'd do differently today.Most people think buying your first home is a math decision. In real life it's emotional, messy, and full of bad advice from friends, family, and social media. In this episode we break down the real first-time buyer experience from three angles (Realtor + Realtor + Mortgage Lender), including what matters most: credit, income, mindset, equity, and how to stop letting other people's opinions talk you out of building wealth.In this episode you'll learn:- The biggest first-time homebuyer myths (and what's actually true)- How credit and planning impact your options (even with zero down programs)- Why “keeping up with the Joneses” keeps people renting- How equity can become a long-term wealth tool (not just a house)- What Realtors and lenders wish buyers understood before shoppingGuests:Matt Reyna — San Antonio RealtorZach Enriquez — San Antonio RealtorPowered by LoanBot — Smarter Mortgage Matching (App Store + Google Play)

1 hour and 43 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Purdue Starts at 0:51 The Duke game was annoying and non-impactful so let's start with Purdue. Purdue comes out to a 5-0 start, Michigan then goes on a 42-17 run. Mackey exploded no matter what, even when Michigan was up 16. Matt Painter is a dude who respects ball. Mara foreshadowed the Duke game by getting into foul trouble, but that wasn't until the 2nd half, otherwise he had a great 1st half. The other subplot of this game was they shot 57% from three, and almost all of them were good shots. Trey Kauffmann-Renn went off for Purdue, historically May has let him go defensively though. Michigan is doing a great job of making the non-contestable guys contestable. What was funnier, the Fletcher Loyer heat-check airball or Cadeau getting to the free throw line and not knowing what to do?  2. Men's Basketball vs Duke Starts at 22:55 A very frustrating game. Mara picks up three first half fouls, the first two of which were not fouls. Playing three bigs in the second half felt like an impulse. Will Tschetter has been a faithful companion for this program but this wasn't the game for him. Duke went on their end of first half run when Michigan had their small lineup out there. Dusty is usually very calm but he was on the verge of eruption. The official in this game notoriously call more calls than anyone else and didn't give us a proper Michigan Duke game. You can just give the coach an iPad to decide if you want to challenge calls?? Does Mara need a little more self-confidence? His body language is telling. Michigan didn't get a lot out of guard play. Their quality of looks in this game were nowhere near their looks in the Purdue game. They got out of balance with their lineup changes and shot 24% from three but still only lost by five to Duke so this really isn't that concerning. What was that travel call? LJ Cason is definitely a contested shot guy. Michigan's biggest win over the weekend was UCLA over Illinois. The Minnesota game is for a share of the title, two Big Ten wins means an outright title. Brian still can't believe how good Keaton Wagler is.  3. Hot Takes and Hockey vs Wisconsin Starts at 55:40 Takes hotter than yours truly after Mara's second foul against Duke. Michigan gets a split out of Wisconsin which ends any hope of catching Michigan State in the Big Ten standings. Wisconsin played their backup goalie and Michigan didn't do enough to threaten him. Kason Muscutt got his first goal. BTN+ has announcers that don't even know Michigan's roster. Michigan could get to 51 points after next week which would win the Big Ten in most years. They have a 99.6% chance of being a #1 seed, they would need to win the Big Ten Tournament to get the #1 overall. #2 overall could get Saint Thomas?  4. Potpourri Starts at 1:24:57 Hughe's got it better than us? Michigan shouldn't claim Jack Hughes. Great performances from Michigan hockey players in the Olympics and the gold medal game. Michigan doesn't have these guys on this team (Michigan State doesn't either, though). Canada was sad and then got handed a stuffed stoat. If you haven't seen the figure skating exhibition gala, you should. Michigan has a new general manager. Sean Magee sent Savion Hiter the wrong dollar amount for his NIL?? The new GM is Dave Peloquin who used to work at Notre Dame. Michigan baseball got another ranked win over Louisville. The vibes for Michigan softball aren't good right now. They're like Nebraska football.  MUSIC: "UFOs"—Phoenix and Alan Braxe "Evil Twin"—Cut Worms "Dug"—Dream Sitch, Michael Nau, Floating Action “Across 110th Street”—JJ Johnson and his Orchestra   

As demographic shifts, rising complexity, and evolving income trends reshape the lending landscape, brokers have a powerful opportunity to step up. In this episode of In Focus, Annie Kane speaks with Ryan Harkness, co-founder and COO of ORDE Financial, about why non-bank lenders are becoming critical partners in helping brokers support self-employed Australians, complex borrowers, and the next wave of upsizers. Tune in to learn: Why complex scenarios are where brokers build the strongest client relationships. How population growth and changing workforce trends will impact lending demand. What role non-banks can play as income streams become more diverse. And much more!

Kokkie Kooyman – Director, Denker Capital SAfm Market Update - Podcasts and live stream

2 hours and 6 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs UCLA Starts at 0:51 Brian gets three minutes to talk about Mick Cronin, he hopes he never gets fired from UCLA. He's like a jolly caricature of Izzo. He's Sideshow Bob stepping on the rakes. Michigan would be up by 10 in the first half and it would feel like they should be up 20. Tschetter's really improved as a defender but this game wasn't for him. UCLA was turning the ball over a ton, Michigan didn't have any until the end of the first half. This was a responsible game from Cadeau, some of his turnovers have been boneheaded. He's at around the same turnover rate as last year. LJ Cason is becoming a reliably effective playmaker. Mick Cronin might not have forgotten how to coach defense but he might've forgotten to scout Xavier Booker. If they play a bad game that means only winning by 10.  2. Men's Basketball vs Northwestern Starts at 28:10 Similar situation in this game where Michigan played a dominant second half. The difference is they were down 16 points. Kenpom still had them at about 30% chance to win even down 16 in the second half! Michigan missed so many bunnies in this one. They started running NBA sets in their second half rally and that works because they have the size for it. The big story of this game was LJ Cason. Cadeau wasn't doing anything so Dusty put in Cason who stepped up. Who's the most random guy you've ever been thankful for in a game? Probably Kam Chatman. Michigan is rotating nine guys and the ninth guy was the MVP in this game. The six game stretch to finish the regular season features Michigan State as the second easiest game. Alex isn't scared of Purdue. Duke looms.  3. Hot Takes and Hockey vs Penn State Starts at 55:44 Takes hotter than the genius that came up with the two-man luge. Special guest, Seth daughter's Mira. Michigan takes 5 out of 6 points against Penn State, this was their first overtime that they didn't win this year. Michigan made it hard on themselves in the Friday game, Ivankovic sort of deflected a goal into their own net. These officials were fine because they degraded the game of hockey but they weren't as bad as some other guys! Penn State split their goalies but the better goalie gave Michigan a couple easy ones. Michigan has first round picks but the only one that has the sauce is Jayden Perron. You look at men's basketball and you think they could win a national championship. You look at hockey and you don't see it. Wisconsin has faded enough to not make the tournament but their forecheck also seemed like Michigan's kryptonite. If you want to win the conference you need six points against Wisconsin. You might need to win out. Michigan is still 96% to be a 1 seed.  4. Potpourri Starts at 1:38:22 Michigan replaces defensive tackle coach Lou Esposito with Larry Black out of Vanderbilt. He checks the recruiting boxes. He helped get Vanderbilt to respectable on defense which even Jesse Minter couldn't do. His resume is really good and still isn't as good a resume as the rest of the staff (complimentary). Women's basketball fell behind big to UCLA and got it to within one score. They're so close to the elite teams. Stickball! As of this recording baseball is 2-0 against good programs. USC and UCLA baseball hate being in the Big Ten. Softball is 7-2 overall, Alex was down after the Florida game. If you have six pitchers on the roster you have no pitchers. Brian has only watched curling. Olympic skiing discourse. Sweden pulled their goalie while up 5-2 to get the goal differential (did not get it).  MUSIC: "Idol"—Mind Enterprises "YUHDONTSTOP"—De La Soul "Brand New City"—Snocaps “Across 110th Street”—JJ Johnson and his Orchestra   

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through the latest prepayment data and what it says about borrower sentiment. Plus, Robbie sits down with Milliman's Jonathan Glowacki for a discussion on why “lender choice” that allows mortgage originators to select among approved credit scoring models may understate risk by producing meaningfully higher default rates within the same score bands, shifting more credit risk onto the mortgage system while reducing risk-based fees and potentially weakening the economics of the GSE guarantee. And we close by looking at a very robust delayed January payrolls report.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

In today's episode, Michael talks about why the Headline Rate means nothing, and the how the cheapest interest rate doesn't always make the cheapest Lender!You can also watch on YouTube:https://youtu.be/q1JIr4kkWd4▶︎ Website - www.thepropertyfinancecollective.co.uk▶︎ The Host - With a passion for creative finance and the ability to structure deals for Finance, I love helping first time Developers and Investors to get deals packaged for the finance needed to push Property Careers forward, and to date I have raised over £500 million for Developers and Investors. I first got into property at the age of 18 when I got into Conveyancing straight out of school. I then went into Estate Agency, back into Conveyancing and I then got into brokering at the age of 22. I decided a year and a half later that I wanted to work for myself and try and shake up the market place! At the age of 24 I set up The Property Finance Guy and became the youngest owner of a Commercial Finance Brokerage in the Country, and alongside this I now also have a successful Training Company, educating Investor and Developers on how to raise finance, and a successful Podcast.I am a keen public speaker and have delivered training and speeches to over 1000 investors and developers over the past 2 years.Follow Michael:▶︎ Facebook - https://www.facebook.com/thepropfinguy/▶︎ Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thepropertyfinanceguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LinkedIn - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/michael-primrose-886a365b/?originalSubdomain=uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to the Podcast on:▶︎ Apple Podcasts - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/gb/podcast/the-property-finance-podcast/id1448207494⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Spotify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7JiDtm7hc0EfSW9LjCXDaO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@thepropertyfinanceguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Disclaimer - With the market changing so quickly, the content could be out of date at the time of listening.This Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

2 hours and 23 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Penn State and Ohio State Starts at 0:51 Usually there's a segment for each basketball but that would just be silly. Michigan annihilates a short-handed Penn State team featuring two thunderous Mark Davis Kiwi dunks and a season high from Nimari Burnett. Is there anything else to say about this game? Michigan only had eight turnovers against Ohio State. Oddly they missed a lot of bunnies. Michigan is rounding into the elite offensive and defensive rebounding team we were hoping they would be. Nice to see Yaxel get to the rim, he doesn't do it enough. Another nice game from Trey McKenney. The balance of this team is insane. We're looking forward to what Mick Cronin says after Aday Mara stuffs him in a locker. A few more easy games before a brutal close to the season. Michigan State did Michigan a solid by beating Illinois.  [The rest of the writeup and the player after THE JUMP]  2. Hockey vs Michigan State Starts at 25:16 Game one was one of the best college hockey games we've ever seen. Old Yost was dark and full of discontented engineers who just learned to swear. It was absolute hell for opponents and it's just not that anymore in most games. Friday night felt like Old Yost. Michigan played great when they had their backs against the wall but you can't just rally from down 4-0. Michigan could be the second best team in the country and still just not be as good as State. Michigan's 4th string goalie looks just like Ivankovic and confused Dave in the press box. Why was Ivankovic suddenly ready on Saturday? Yost got HOT in the third period on Friday because of the missed calls. Michigan can still absolutely win a regular season title. Biggest concern in the NCAA tournament is also Michigan State, but the college hockey playoffs are weird. Has the modern era of college football reached hockey?  3. Hot Takes and Offensive Recruiting Class With Steve Lorenz Starts at 53:24 Takes hotter than Brian's face watching Seth come up with something that's hot. Usually we would do this on signing day but now nobody can remember when that is. Salesi Moa signed and enrolled at Utah and still ended up at Michigan. Brady Smigiel is one of your QBs but he's coming in injured, which probably effected his recruiting stock. He's a classic pocket guy, but Whittingham likes mobile QBs. QB Tommy Carr has Tate Forcier comparisons. Savion Hiter comes in as the most talented running back in this class, as well as the last few classes. What do you think Fred Jackson would call him? Jonathan Brown comes in as a generic three star RB but there's not much being said compared to Hiter. We'll count Salesi Moa in this class, he could play receiver and safety. He might actually be able to contribute in year one. WR Travis Johnson is just outside the top 100 but was very adamant about sticking to Michigan even after everything went down. WR Jaylen Pile also didn't waver but so far seems like just a guy, but with more scholarships available sure, bring him in. TE Mason Bonner comes in from Denver, might take a little time to develop. Should be athletic enough down the road. OT Malakai Lee comes in from Honolulu and might be the most excited about the coaching change. Comparisons to Mike Onwenu. Marky Walbridge is a late riser and offensive lineman late risers are often encouraging. Adrian Hamilton projects to center and centers don't rank highly usually. Tommy Fraumann is big enough to not care about rankings, born right after the 2008 Michigan Utah in which Kyle Whittingham beat Michigan.  4. Defensive Recruiting Class Starts at 1:45:41 Carter Meadows is a five star defensive end we're all excited about. He's not allowed to enroll early so he'll probably be a year two star. DE McHale Blade is one of the coolest names in this cycle. He has all the athletic traits, could be the sleeper of the defensive side. DE Tariq Boney is your Josh Uche, just let him go after the QB. Alister Vallejo looks like Mason Graham on the field and the kid from the Sandlot in his profile. DT Titan Davis is a Kris Jenkins guy, could be an anchor DE but will more likely fill in DT needs. Linebacker is where the excitement falls off. Nobody is anywhere near four star status. CB Jamarion Vincent is a developmental guy, expect him in year three. He was previously playing QB. CB Ernest Nunley is a former Cal commit and will probably be a safety. S Jordan Deck could me a sleeper, boring safety. Overall not a big fan of the back seven but it is the transfer portal era. It could be okay but it's sketchy.   MUSIC: "Bazooka"—Miami XO "Baby Steps"—Olivia Dean "Phish Pepsi"—Wednesday “Across 110th Street”—JJ Johnson and his Orchestra   

Ashley Sellers of Equifax sits down with Jordan Sullivan, Director of Retail Lending at CSL Financial, to explore how modern credit scoring is reshaping mortgage lending. As one of the first lenders to adopt VantageScore for underwriting, CSL shares real-world results, from higher approval rates and lower costs to stronger portfolio performance. The conversation dives into affordability, trended credit data, thin-file borrowers, and why delaying adoption of new credit models may be a competitive disadvantage for lenders navigating today's evolving credit ecosystem.Economist Justin Begley of Moody's Analytics provides our economic update.In this episode:Why did CSL Financial adopt VantageScore for underwriting?CSL Financial adopted VantageScore after internal testing showed it was a stronger predictor of credit risk than legacy models. The lender found it better aligned with borrower behavior and more effective for evaluating thin and non-traditional credit files.How does VantageScore help lenders approve more borrowers?VantageScore uses trended credit data to evaluate whether a borrower's financial behavior is improving or declining over time. This allows lenders to make more informed decisions than snapshot-based models, helping qualified borrowers who may have been overlooked receive approval.What results has CSL Financial seen using VantageScore?Since adopting VantageScore, CSL Financial has increased loan pull-through rates from approximately 8% to nearly 20%, while maintaining stable delinquency levels. The lender has also reduced credit-related costs and improved portfolio performance. Who benefits most from VantageScore-based underwriting?Borrowers with thin credit files, limited credit history, or past credit challenges benefit most. This includes younger borrowers building credit and older consumers who have paid off debt and have limited active tradelines.Why is delaying VantageScore adoption a competitive disadvantage?Lenders who delay adoption risk higher costs, lower approval rates, and less accurate risk pricing. Early adopters like CSL Financial report both operational savings and stronger credit outcomes, making modern scoring models a competitive advantage.

1 hour and 49 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Michigan State Starts at 0:51 Where's Tre Holloman at?? Michigan's first victory at Breslin since 2018. They managed to blow all of their 16 point halftime lead but only briefly. This year didn't have the same "helplessness" vibe of previous years. The grifting from Jeremy Fears was incredible. Michigan State's offense ended up being generating bogus calls and then hitting free throws. Their roster doesn't have the best athletes in the world but they have guys that have stuck around for a while. Trey McKenney is becoming a much bigger piece of this team, if Michigan goes on a tournament run it could be because he steps up as a major contributor. Is he the 6th man? They're running a lot of offense through Mara, maybe that should be going through Morez Johnson instead. Michigan is back to #1 in Kenpom and is projected to win the Big Ten outright but the end of the schedule is very tough.  2. Men's Basketball vs Nebraska Starts at 29:17 The vibes here were considerably worse! Nebraska was getting an alarming amount of open looks. Michigan wins by shooting what felt like 70% from two. Some of Cadeau's turnovers were just inexplicable. We can't pronounce Berke's name so he's just Berke Boyband. The studies say that every conspiracy theory you have about officiating is true. Pass blocking is not actually allowed in basketball. Nebraska is legit, this was a tough game that Cadeau almost gave away. Shout out to Fred Hoiberg for coming in with a great gameplan for confusing Michigan. The overturn on the challenge made no sense, how was that possibly clear? Should Michigan be going inside more when the threes aren't dropping? Michigan was missing open threes. They beat a top 10 Kenpom team while shooting 23% from three, that's impressive no matter what. Was LJ Cason unplayable?  3. Hot Takes and Hockey vs Ohio State Starts at 52:18 Takes hotter than Yaxel Lendeborg at the free throw line. Michigan gets five of six points over Ohio State in a frustrating manner. Stephen Peck played a great game on Saturday until the last five minutes. They're missing points here and there against teams that they're better than. Wisconsin somehow went from #1 to might miss the tournament. Michigan State is only one point behind in the Big Ten rankings.  4. Gimmicky Top Five Sports Villains Starts at 1:14:40 We're born haters so it's time for a gimmicky top five sports villains. There are a surprising number of ways to define "villain" in this context. There's a lot of NHL discourse because you used to just get paid to hurt people. Which Big Ten commissioners make the list (spoiler: all of them). Not posting spoilers here but yes there is a certain Wisconsin basketball player. Who's on your list?   MUSIC: "Moody"—Royel Otis "Silver Joy"—Damien Jurado "Sweet and Dandy"—Toots and the Maytals “Across 110th Street”—JJ Johnson and his Orchestra   

John Chang interviews Josh Jacobs about why the long-anticipated wave of multifamily distress is finally showing up across select Sun Belt markets. Josh explains how aggressive bridge financing, rising interest rates, slower rent growth, and new supply have converged to force lender-driven sales, receiverships, and recapitalizations—particularly in Gulf Coast states. He breaks down how debt funds, banks, LPs, and preferred equity are navigating defaults, why many sponsors are being wiped out, and what actually happens when lenders step in. The conversation closes with a clear-eyed look at where disciplined investors may find opportunity as pricing resets heading into 2026. Josh JacobsCurrent role: Senior Managing Director, Marcus & MillichapBased in: Birmingham, AlabamaSay hi to them at:  josh.jacobs@marcusmillichap.com | https://www.linkedin.com/in/josh-jacobs-b142461b2/?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app Visit ⁠www.tribevestisc.com⁠ for more info. Try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/BESTEVER  Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode, Editor in Chief Sarah Wheeler talks with Jason Mitchell, founder of the Jason Mitchell Group, about recent lawsuits targeting the referral relationship between mortgage lenders and real estate agents. Related to this episode: Rocket Companies faces lawsuit over mortgage steering HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

1 hour and 31 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Around the Big Ten with Jamie Mac Starts at 0:51 Indiana Football won a natty. We say again: Indiana Football won. A natty. The Ohio State fans are crying Signs, it's great! Putting this in context because there hasn't been a more surprising national champion in any sport? Maybe Leicester but IU had the worst W% historically of any champion. Arc of college football is the big schools consolidate their chances of winning—last time a new school entered the ring it was Florida, which represented a demographic shift. What does this mean? Not a secret sauce but IU built similarly to 2023 Michigan: a base of players who played together a long time and some elite pieces added. They get better ROI by ignoring HS recruiting, put a lot of time and money into scouting. Similarity to Dusty May in that Cig knows what he needs and scouts the hell out of the rest of the sport. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes and Men's Basketball vs Ohio State Starts at 27:20 Takes hotter than it's not outside. OSU game was annoyingly close. At one point Michigan was 2/16 from three and under 50% from the charity stripe. Biggest story of the game is the way Michigan held Bruce Thornton in check—the one hedge to center court that Mara got called for a foul was an awful call, but a proof of concept for how they defended OSU, which was to not give Thornton any space. Great Crisler crowd kept getting into highs and then a low-percentage event would derail, like their 17%-shooting big Christoph Tilly making a pair of threes (one a bank), 24%-shooting Amare Bynum making a deep contested jumper, and Mobley getting a bank three as shot clock is dying. Missed front ends made FT shooting feel extra annoying, somehow righted in the 2nd half. Big part of that was 21 good minutes from Trey McKenney. Liked Cason and McKenney more than Cadeau in this one: OSU has a 7'0" center and a 7'2" center but both of them are glued to the floor, which favors YOLO players. Annoying turnovers trying to figure out their zone. 3. Men's Basketball vs Indiana and a Nebraska Preview Starts at 54:03 Less annoying game, as Indiana was without Tayton Conerway for all but two minutes, and nobody else has the ability to get to the rim. IU couldn't even get the ball inside the three-point line. They finished 11/34 (32%) from three and that was because they made twice as many as they should have. IU only got five ORebs as they abandoned the glass to stop Michigan's transition game but terrible Nick Dorn shots that went off the back iron were their best way of getting the ball in the paint. Final score doesn't reflect the game because once Michigan got up 20-5 they put it in cruise control—this time it wasn't LJ Cason on the one drive for a layup. Will Tschetter's defense on Tucker DeVries was also a major factor. Nebrasketball is truly good. Very well-coached team, has a good system that turns everybody into Nebraska: 11th in taking threes, 6th in opponent 3PA/FGA. Have to slow down the game to protect stretch C Rienk Mask, who's the key to that offense. Might be without small four Braden Frager and been without SG Connor Essegian most of the year so there's a 23% shooting big in Berke "the Turk" Buyuktuncel that you can hide Mara on. The problem with that is it takes Mara out of the paint so you can't get away with playing as aggressively on the perimeter. Think we saw the prototype for how they want to play against Nebraska in that Oregon game. Might be able to do what Illinois did, was to take shots but then crash the glass because they don't have a lot of size. 4. Women's Basketball wsg Ira Weintraub Starts at 1:15:12 Time to get to know the best women's team in school history. Three losses were all similar: got way behind in the 1st quarter, fought their way back, came up short. Defense is fantastic, play the full court and cause a lot of turnovers which creates offensive opportunities. Get bogged down a bit in the half court and struggle to make their FTs. WBB officiating is beyond atrocious. Washington loss was a schedule thing after 2OT late game vs Oregon, but UConn and Vandy losses showed they can play with the elites and just need one more big basket from the super sophs. Hockeybear is blogging the team and making Team Sheets (key). It's not so easy is it? Super sophs: Holloway runs the offense and sets the defensive tone, Olson is a bucket, Swordsy is hero, and then they're getting a year from a growing Delfosse and UCLA transfer Dudley. Mostly a seven-woman rotation with Sofilkanich giving them some size inside, BQD a nightmare of a defensive pest, and then growth from Crockett who gives them some more size when they need it. Can they compete with the ELITE-elites? Nobody's unbeatable this year; Michigan is a solid two-seed, feel like floor is Sweet 16, has the make of a team that ends up losing a Final Four game en route to a big run next year.   MUSIC: "Getting Killed"—Geese "Forever Never Ends"—Jeff Tweedy "Downhill"—The Delivery Boys feat. Goldwood, Max Gertler & LOSTBOYBK “Across 110th Street”—JJ Johnson and his Orchestra

Willy Walker joins Onward to share how he scaled a small, local mortgage shop into a national real estate finance platform—what he got right, what he'd do differently, and the leadership lessons he learned the hard way. We talk about the pivotal decisions that unlocked Walker & Dunlop's growth, how to lead through a crisis (2008 and COVID), what it really means to be a public-company CEO, and why he's cautiously optimistic heading into 2026.—For a deeper dive into these insights and more, be sure to listen to the full episode of the Onward podcast.Have questions or feedback about this episode? Drop us a note at Onward@Fundrise.com. Onward is hosted by Ben Miller, co-founder and CEO of Fundrise. Podcast production by The Podcast Consultant. Music by Seaplane Armada. About Fundrise With over 2 million users, Fundrise is America's largest direct-to-investor alternative asset investment platform. Since 2012, our mission has been to build a better financial system by empowering the individual. We make it easier and more efficient than ever for anyone to invest in institutional-quality private alternative assets — all at the touch of a button. Please see fundrise.com/oc for more information on all of the Fundrise-sponsored investment funds and products, including each fund's offering document(s). Want to see the specific assets that make up and power Fundrise portfolios? Check out our active and past projects at www.fundrise.com/assets.

Used Car Week 2025 featured a panel focused on the state of auto finance. Led by Jennifer Martin of the NAF Association, Christopher Mitcham of Santander Consumer USA, Mary Leigh Phillips of Bridgecrest Acceptance and Amy Brooks of Chase Auto shared dialogue about affordability and other elements influencing how lenders can navigate the current landscape. The discussion is now available through this episode of the Auto Remarketing Podcast.

Ever wish you could peek into other agents' most challenging situations and hear exactly how to handle them? That's what this episode is all about. We asked our listeners to send us their real estate dilemmas—and they delivered!   In Episode 337, we're analyzing real-life real estate scenarios: anxious buyers, builder referral incentives, tricky team splits, disclosure dilemmas, expired listings, and more. Some of these situations are tricky. Others are all-too-familiar. But every single one gets our honest take and plenty of actionable advice.   We cover the real reason clients push title companies, how to build agent referral networks that *actually* work, and what happens when you're asked to list a property next to your own rentals. Plus, Alissa shares how working with "difficult" clients early in her career turned into high-end referrals later. And Katy reminds us: don't guilt-trip yourself out of success just because your lead generation strategy has evolved.   Here's what we cover in this episode: - How to handle buyers who move too fast   - Tips for buyer consults on the fly   - New construction vs resale: what's better for a new agent?   - Should you disclose you own the property next door?   - Builder incentives and loyalty dilemmas   - Lender/title kickbacks and your ethical obligations   - When a deal falls apart—and whether to leave a bad review   - Real talk on referral networks: what works and what's a waste   - What to do when "difficult" clients land in your lap   - Should agents retire and sell their book of business? Key Quotes & Takeaways "Just because a builder offers incentives doesn't mean it's best for your client or worse. You have to get the fee sheets and compare." – Alissa "Doing your buyer consult at the first showing is totally acceptable, just be prepared and flexible." – Katy "Using your preferred lender is a luxury, not a requirement. The client comes first." – Alissa "If you're getting enough business that you don't have time to look for business... what's the problem?" – Katy "If you can handle the difficult clients, you can earn the better ones." – Alissa Products, People & Previous Episodes Mentioned: Email Templates 101 – http://emailtemplates101.com Agent Systems 101 – http://agentsystems101.com FREE Database Template – http://hustlehumblypodcast.com/starthere Want to toast someone on the show? Send us a voice or video message with your name, who you're toasting, and why! Email it to team@hustlehumblypodcast.com.  

2 hour and 10 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Transfer Portal - Offense Starts at :51 The portal is closed! The only windows remaining are for a coaching change and for Indiana/Miami after the national championship game. Transfers, NIL, and contracts have been weird this cycle. Will Diego Pavia be in college until he's 45?? Thank you Davis Warren for beating Ohio State in the Funniest Game Ever. Brayden Fowler-Nicolosi is your backup QB out of Colorado State where he threw for over 7,000 yards. That's a "we don't practice f*cked" pick-up. Jadyn Davis's recruiting profile was a huge miss. Georgia Tech is a cool place for Justice Haynes, we're still not sure if Kuzdzal is returning. Taylor Tatum comes in from Oklahoma after a case of fumble-itus and several other ailments. Now he might actually have a good running backs coach. They retained Andrew Marsh - massive. The wide receiver room looks great, the only thing missing is a dedicated slot receiver but Michigan hasn't really utilized the role in a while anyways. Marlin Klein declared for the NFL draft but is he going to get drafted? The remaining tight ends and fullbacks should be good and viable options, they didn't get anyone out of the portal. JJ Buchanon doesn't count since he's being listed as a wide receiver. The offensive line is mostly retained which has star power potential. Overall the offensive line held serve besides losing Haywood, overall an A-grade. Would you give the offensive portal recruiting/retention an A all across the board? Could this become a... top ten offense?  2. Transfer Portal - Defense Starts at 41:41 Defensively is more of a mixed bag. Defensive end lost a lot of guys to graduation but only Devon Baxter to the portal. John Henry Daley is questionable based on his health, but if he's healthy you get Derrick Moore (but who actually plays more). Defensive tackle doesn't lose anyone noteworthy to the portal. You get back Trey Pierce and Enow Etta. Jonah Leaea was like a young Mo Hurst, he needs another 20 pounds. Defensive tackle has depth, just not star power, this wasn't a spectacular portal season for them either. This gets a solid B. Linebacker is the trouble spot. They lose Ernest Hausmann to eligibility/spirit quest, Cole Sullivan to Oklahoma, and Jimmy Rolder to the draft. The guys they bring in are uhhhhhh. Aisea Moa knows Jay Hill's system so he could possibly play but doesn't seem like he'll be all-Big Ten. This is a D, it's close to an F. At cornerback, you get Jyaire Hill, Zeke Berry, and Snowden. Jayden Sanders to Notre Dame stings. Let's.... talk about the allegations of sabotage and blackmail? Cornerbacks situation gets a... C+. Safety loses Brandyn Hillam and Elijah Dotson. Is Bryce Underwood the only guy to come from Belleville and last for over a year? Is Rod Moore going to play? Who knows. Chris Bracy comes in from Memphis, who comes in with a historic tale of a fabled fumble. Safety starters could be Bracy and Rod Moore, Mason Curtis to linebacker. You have six safeties? How many are going to play in a Cover-1? Defense overall gets a C, they probably didn't get better or worse. How much of the Wink disdain will have been warranted? If Daley doesn't get healthy who is going to be the star on this defense? Maybe they'll be like the offense last year - lots of potential but not quite there yet.  3. Hot Takes and Basketball vs Washington and Oregon Starts at 1:23:58 Takes hotter than Utah's athletic director on Twitter. Michigan basketball sweeps their west coast tour, they don't dominate but give a solid beating in both games to not-great teams. Michigan and Oregon were close to identical at the rim. You're starting to see the cracks in the armor of this team. Sean Stewart is an elite flopper. What did Dusty possibly say to warrant a technical? Elliot Cadeau was pretty efficient but gets too close to the face of guys on the perimeter and then gets beaten. He tries things that are just a little too ambitious too often, these things usually don't work. Indiana doesn't match up with Michigan at all, Trey Burke to get honored at the Ohio State game. It's about to get real for Nebraska.  4. Hockey vs Minnesota Starts at 1:54:54 Michigan gets an almost-sweep of Minnesota getting 5 of 6 points. It's hard to believe this is what Minnesota's hockey team looks like, they've fallen a long way. Minnesota didn't go into the portal or the CHL and just doesn't have the same talent as they used to. Even the announcers were saying "oh, don't do that!" Seven saves in one minute is pretty incredible. Michigan State is still the one team that can match up with Michigan. Michigan is probably in the best spot since the 2022 team when they were number 1. Is there anything Warde Manuel has done that makes you think Michigan hockey will be on a local television station? Four Big Ten teams are in the top 10 of NPI.  MUSIC: "Secret Loving"— Dry Cleaning "Dancing In The Club"— This Is Lorelei & MJ Lederman "Random Rules"— Silver Jew “Across 110th Street”—JJ Johnson and his Orchestra   

This week on the Chamber Podcast, Rob sits down with Steve Grech, CEO of LOC Credit Union, and Stephanie Hamlin, Community Impact Manager, to talk about what it really means to be a community-first financial institution. With 90 years of history and more than 50 years serving Livingston County, LOC focuses on doing a few things exceptionally well, from affordable car loans and home equity lending to strong digital banking paired with real human relationships. Steve shares how LOC differentiates itself in a crowded financial market through thoughtful lending practices and service-driven culture, while Stephanie highlights the credit union's deep investment in financial education, school partnerships, and local programs that build confidence from elementary school through adulthood. The conversation offers a clear look at how staying focused, accessible, and people-centered helps LOC strengthen both financial health and community trust. 00:00 LOC Credit Union's Journey 03:12 What Makes LOC Unique? 06:00 Building Trust Through Relationships 09:15 Financial Literacy in Schools 12:22 2026 Initiatives and Community Engagement 15:15 Lending Wider and Deeper Show Links Learn more about the Brighton Chamber by visiting our website. Website: https://www.brightoncoc.org/  Guest Links Website: https://www.loccreditunion.com/ Guest Info: LOC celebrated our 90th Anniversary in 2025 with 6 locations across Livingston, Oakland and Wayne Counties. We like to think LOC stands for Lender of Choice for Auto Loans & Home Equity Loans while focusing on delivering five-star member service.   Our Brighton Branch opened in June of 2024 and is located on Grand River Avenue just outside of downtown, next to Planet Fitness and AutoZone.  We have had a presence in Livingston County for 50 years. In 1976 we opened in Howell and have been at our current location on Grand River since 1997. Our current Hartland location opened in 2007 at Old 23 and M59. As we continue to invest in Livingston County, we will be building a full-service branch with a drive thru in 2026. This branch will be adjacent to the Hartland Target parking lot.  Community Sponsorships and Volunteer Involvement:  In 2024 we partnered with Bountiful Harvest when we made large financial donation upon the opening of the Brighton branch in 2024. We continue to support their mission by providing an annual cereal drive where the donations stay right here in Livingston County and our staff volunteers at the food bank.  Brighton, Howell and Hartland - Athletic Business Sponsorships  Brighton Chamber Efforts and Events- the Farmer's Market Flower Day- Bouquet Building Station, Volunteering at Chamber Events such as the Smokin Blues and Brighton Holiday Glow Reindeer Game Sponsorship.  For the third year in a row, we sponsored the Tunnel of Lights at the Millpond Bridge for the community to enjoy a seasonable photo opportunity. Financial Literacy and Education Efforts The Community Impact Team provides a variety of financial education classroom experiences for grades K -12. Creating hands on experiences that give students a solid foundation for the real world. We also operate 19 student-run credit unions across Farmington and Livingston County that give students an independent interactive experience with banking and managing money.

Putting Rental Property in a Trust - Lender Rules

1 hour and 48 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Transfer Portal - Offense Starts at :51 Never doubt the law of conservation of vibes. The Penn State basketball game saved the offensive line. This was recorded on Sunday at noon so by the time you listen to this, things have probably already changed (hello, Jaime Ffrench). It would be nice to get a backup QB in the portal (hello Brayden Fowler-Nicolosi). Justice Haynes has hit the portal, might be going to Georgia Tech, and Oklahoma RB Taylor Tatum is in. So far he's struggled with fumbles and a hamstring injury but Oklahoma's RB coach is one of the worst in P4. He might be a Moneyball situation. Kuzdzal might be coming back? Jaime F-f-f-french is in and if JJ Buchanan joins then we have an actual wide receiver room. Still need a tight end? Offensive line got their guys back, we're un-mad now. Need some depth at center, though.  [The rest of the writeup and the player after THE JUMP]  2. Transfer Portal - Defense Starts at 27:11 Not as sunny as the offense right now but it can change at any time. How we feel so far depends on the status of John Henry Daley's Achilles, he could be a Derrick Moore comparison if healthy. Defensive end looks pretty set. Defensive tackle... they get Pierce back. They do get Jonah Lea'ea from Utah who was a bit undersized and needed another year to develop. Enow Etta's return has turned from optimism to pessimism. Hopefully Alister Vallejo is ready as a freshman. At linebacker Rasheem Biles is off the board, they are hosting Cade Uluave from Cal, an all-ACC linebacker. Jimmy Rolder has declared for the draft and is #692 on the NFL Mock Draft database. The secondary isn't entirely in the portal but it's alarming, safety is now a concern. Surely we'll find out more about safety this week because you can't go into a season with three safeties. Per Trevor McCue, Jay Hill doesn't rotate the secondary at all! Kerry Coombs got his guys for special teams, they've got a kicker from Pitt, Trey Butkowski. This offense could be really good and not need to rely on a kicker who can hit field goals from the 37. Overall, get in a safety or two and ideally a good defensive tackle and this team is really close to being very competitive. When's the last time the offense was better than the defense, 2011?  3. Hot Takes and Basketball vs Penn State and Wisconsin Starts at 1:05:25 Takes hotter than Wisconsin three point shooting. Basketball is no longer invincible. This must feel the same as when Matt Painter had to play Mo Wagner. Michigan got out-rebounded pretty badly which feels like a major failing given the line-up. They need to play a little dirtier in the paint. Michigan and Wisconsin were shooting back-to-back threes until Michigan fell off. The offensive goal-tending ruling was the rule. Wisconsin doesn't send many guys to the offensive board, they tend to get back and trying to get transition baskets isn't worth it. A key for Michigan going forward is how stretch is everyone's five? Wisconsin shot 12 points higher than their expected for the number of threes they shot.  4. Hockey vs Notre Dame Starts at 1:28:57 Michigan escapes a bad Notre Dame team but loses goalie Jack Ivankovic for "some period of time" (possibly the season). The hit was unfortunate but probably not malicious. There are strong words said about these officials. Naurato has said in his press conferences that "I can't say what I want to say." Big Ten hockey is one of the best leagues in the world and the Big Ten treats it like the 4th most important sport. Freshman goalie Stephen Peck is now your starter. The defense needs to step way up to support their new goalie. If the season ended today they'd still be the number one seed in the tournament, though. Part of that is because of Ivankovic.  MUSIC: "One Tiny Flower"— Jeff Tweedy "Don't Do Me Like That"— J. Mascis "Falling Behind"— Laufey “Across 110th Street”—JJ Johnson and his Orchestra   

What do you see differently when you've sat on both sides of the mortgage deal? Tracie Barnes started as a mortgage broker, moved into the lender world, and then returned to brokering with fresh eyes and a new approach. In this episode, she shares what she learned about how deals get funded, what underwriters really want, and how being on the inside changed how she serves clients—and builds her business. If you've ever wondered what lenders are thinking behind the scenes, Tracie pulls back the curtain with practical insights and powerful takeaways. What We Cover: From Broker to Lender to Broker Again – Why Tracie made the jump (twice) and what she learned each time. Inside the Lender's Desk – What underwriters are really looking for—and what brokers misunderstand. Fewer Files, Bigger Margins – How her model changed after working inside the lending world. Trust Over Tactics – Why building relationships and being proactive creates smoother deals. Keeping Clients Calm – How Tracie translates lender logic into confidence for clients. Perspective changes everything. When you understand both sides of the deal, you can close with more clarity, confidence, and trust. To connect with Tracie, check out the links below: Instagram Facebook LinkedIn https://www.brxmortgage.com/agent/tracie-barnes Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my Email List (Peckford's Playbook) I Love Mortgage Brokering is in partnership with Ownwell.  To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

John Palke and I were introduced at a Realities for Children event some months back, and when we finally enjoyed a coffee together, I knew he had a story that I had to dig into and share! In real estate since 2019, John had previously been a commercial fisherman in Alaska (where he once fell in the water and nearly froze to death), was a partner in one of my favorite band bars, Hodi's Half Note, and worked in operations at Vestas - until he realized giant windmills were a mostly a heavily subsidized boondoggle.  After getting into real estate with a name-brand firm, John became a partner in a property management business, Big Bear Properties.  During the refi boom, he referred a full-time income worth of mortgages to a friend - who  encouraged to become a licensed mortgage broker - allowing him to provide full-service real estate for investors - or a la carte for anyone!   In 2025, he decided to go his own way in real estate, founding BBP Realty almost exactly a year from when this episode was released. John's a great storyteller, and I enjoyed every bit of this conversation - and I think you will too.  So please join me in getting to know and love my new friend John Palke.  The LoCo Experience Podcast is sponsored by: Purpose Driven Wealth Thrivent: Learn more

2 hours and 5 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs USC Starts at :51 Basketball gets to go first because they've earned it. They're the number one team on Kenpom by a full five points and the second highest rated Kenpom team of all time. Michigan shot 20% from three and still beat a top 25 USC team by 30 points. This was the Morez Johnson game. Michigan has three of the top five players in the Big Ten. What does a Michigan loss look like? Dusty May has done a great job working on Roddy Gayle, auto-benching with this team is fine. The cutoff for Kenpom to think you're a rotational player is 10% of team minutes, Grady and Goodman are both above this metric. The things that Michigan are good at are things that are very repeatable. There are different levels of Kenpom Time every time Michigan plays. It's weird to say this but it's good that Michigan gets Nebraska at home, they're spicy.  2. Football vs Texas Starts at 24:34 The Citrus Bowl came and went. We were hoping we could learn things about this offensive line going into the off-season then a lot of them went and hit the portal. Kuzdzal played an encouraging game but there were still a few moments of "I wish Jordan Marshall had hit that hole." Bryce Underwood did get some explosive runs, this will be nice for a new coaching staff that likes to run the quarterback. He was put in a lot of positions to fail towards the end of the game. Kerry Coombs did some things with special teams! Wow Michigan drew holds finally. We are done with the Wink Martindale era. Michigan had zero pass rush.  3. Hot Takes and Coaching Staff Starts at 40:11 Takes hotter than the basketball team, this will be the intro until any reason otherwise.  Offensive Coordinator - Jason Beck Came in from Utah, was at New Mexico before that. Has had some very successful offenses. Was a spread-heavy coach at New Mexico and became Whittingham-ized at Utah. Seems like a seamless fit, he should know what to do with Bryce Underwood. Running Backs Coach - Tony Alford It's working, good work keeping him around. Wide Receivers Coach(es) - Micah Simon and Marques Hagans Micah Simon doesn't have a lot of experience, he followed Beck. How much coaching does it take to get someone to catch the ball?  Tight Ends Coach - Freddie Whittingham He's developed some studs. Kyle Whittingham's brother, does not feel like a nepotism hire. Offensive Line Coach - Jim Harding Has two first round tackles this year. Probably could not have gotten a better o-line coach. Michigan has players trickling into the portal but you've got The Guy coaching next year's group. A lot of offensive linemen got recruited by Sherrone so it's not a shocker that some players are looking elsewhere.  Defensive Coordinator - Jay Hill Turned Weber State into a powerhouse. He has coordinator and head coaching experience, seems good. He has coached college his whole career rather than coordinate NFL defenses. Defensive Ends - Lewis Powell Specializes in Polynesians. Has a spectacular track record of developing defensive ends. Brian pledges to figure out how to pronounce all the Polynesian names.  Defensive Tackles - Lou Esposito Continued from last year. You can get more assistant coaches now so it makes sense to split DEs and DTs.  Linebackers Coach - Alex Whittingham Kyle's son, spent eight years with the Chiefs. Apparently Andy Reid played with Kyle Whittingham. This one is a bit more of a nepo hire but he has moved up the ranks.  Defensive Backs Coach - Jernaro Gilford BYU fans are upset that he's leaving which is a good sign. There aren't a lot of cornerbacks in the portal, hopefully he can find some guys.  Special Teams - Kerry Coombs Gets to keep the job he got right before Sherrone was fired. His previous Special Teams have been in the 30ish rank. He's not a slam dunk but should be solid.  4. Transfer Portal Starts at 1:42:43 It's Portal Takes season, we have not yet gotten to Portal Gives season. Guys who are in the portal are not necessarily gone. Jadyn Davis, Davis Warren, Ben Roebuck, Connor Jones, Devon Baxter, Semaj Morgan, Jaden Mangham, and Jasper Parker are guys who will probably get better opportunities elsewhere. Elijah Dotson, Brady Prieskorn, and Kaden Strayhorn are guys you'd like to keep around. Zeke Berry, Jake Guarnera, Andrew Sprague, Cole Sullivan, and Enow Etta are the "ouch" group. Some guys have left the door open. Would really really like to get Guarnera back, Sprague sounds like he's going to Texas. Most folks who are going to enter the portal have but we're not out of it yet. Keep an eye on Utah defensive end John Henry Daley, cornerback Smith Snowden, and safety Tao Johnson. Cole Sullivan would be a great fit in this defense, would love to keep him. They need guys (plural) on the defensive line, especially at defensive tackle. Even if you keep Andrew Marsh you would like to get a wide receiver or two. Might want to look into a punter or a kicker, maybe with a new staff we can finally move on from the 2015 Michigan State game.  MUSIC: "Nothing I Need"— Lord Huron "A Couple Minutes"— Olivia Dean "Cotton Mouth"— fanclubwallet “Across 110th Street”—JJ Johnson and his Orchestra   

Building a successful vacation rental portfolio isn't just about numbers—it's about strategy, intuition, and having the confidence to trust both. In this episode, we explore what it really looks like to invest with intention, think long-term, and build a business rooted in education rather than hype.In today's episode, I sit down with the incredible Parker Borofsky, whose passion for lending and vacation rental investing shines through every story she shares. From her early days as Avery Carl's lender to becoming a seasoned investor herself, Parker offers a behind-the-scenes look at a journey shaped by curiosity, courage, and thoughtful decision-making.In this conversation, Parker shares:How her early career in lending gave her an “under the hood” view of what truly makes a short-term rental successful—and how she used that insight to build a portfolio spanning the Smokies and Florida's PanhandleThe remarkable story behind acquiring a bona fide Frank Lloyd Wright home in Kentucky, including the family connections and moments of serendipity that led her thereWhat it's really like to invest during uncertain and unpredictable times, and why balancing solid research with gut instinct allowed her to seize opportunities others overlookedThe unique challenges and rewards of restoring and short-term renting a historic home, from navigating appraisals to thoughtfully weaving the property's history into the guest experienceWhy putting heart and education above hype—and surrounding yourself with the right community—is essential to building a more meaningful, sustainable businessParker's insights and grounded enthusiasm make this episode a must-listen for anyone looking to build a smarter, more intentional vacation rental portfolio. It's filled with practical takeaways, mindset shifts, and real-world lessons for scaling with clarity and purpose.HIGHLIGHTS AND KEY POINTS:[01:00] A short introduction about our guest Parker Borofsky, and how she got into investing in short-term rentals[03:00] Parker walks through her growing short-term rental portfolio across Tennessee, Florida, and Kentucky, highlighting a pivotal purchase in Townsend, Tennessee[08:43] Parker explains how intuition, timing, and storytelling led her to an unexpected Kentucky purchase[13:01] Parker shares how stewardship and storytelling shape the experience of owning a Frank Lloyd Wright home[18:56] Parker reflects on the emotional full-circle of stewarding a historic Frank Lloyd Wright home[21:24] Parker dives into the complexities of securing a mortgage for a one-of-a-kind Frank Lloyd Wright home, emphasizing that unique properties often create appraisal challenges[26:51] How to handle appraisal challenges for unusual properties, emphasizing preparation, collaboration, and clear communication[31:24] Parker talks about the mortgage options that are trending for real estate investors, particularly for self-employed borrowers or those with complex income streams[34:57] The importance of connecting with experienced loan officers as a critical first step for anyone looking to grow their property portfolio in 2026

2 hours and 45 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Kyle Whittingham Reaction Starts at :51 Brian can't make fun of the name "Kyle" anymore. Woah, Alex Drain is here! Did Kyle Whittingham get pushed out of Utah? He's 66 but could probably beat up several members of the current team, he doesn't feel too old. This might be the best guy to hit the ground running with Bryce Underwood. He's had a 20+ year stretch of success and it's mostly over-performing expectations statistically. Are there concerns about the way this would translate to Michigan? Utah folks are asking if we're prepared for limited media availability, a coach who can sound like a jerk, and a 300 lbs fullback. Yes, yes we are. Kyle Whittingham's risk for scandal seems extremely low. How many coaches in the Big Ten would you pick over him? His dad's nickname was "Mad Dog". A brief history of his success over his coaching career, which included two PAC-12 Championships. Kyle lets his QB run the ball, Bryce's output this season would've been the worst for Utah going back at least a decade. Harbaugh had a great hit rate on sleeper recruits, Whittingham should as well. He has some very Harbaugh-adjacent quotes as well. What's your letter grade for the hire? [The rest of the writeup and the player after THE JUMP]  2. Assistants Starts at 42:48 The new staff is coming together pretty quickly. Jason Beck is lining up to be the offensive coordinator, coming in from Utah. Alex details his history as a coach which was mostly as an offensive coordinator and QB coach. He likes hybrid players and will love the tight end room. Jay Hill is lined up from BYU as defensive coordinator, BYU fans are not thrilled that he's leaving. He took a 100ish ranked defense and turned it into a top 25 defense. He also made Weber State a powerhouse while he was there. He'll play more man-defense than we're used to which might not be what we want against Ohio State. Jay Hill could also be a head coach in waiting down the road. It feels like the defense is going to be coached again. Jason Beck could be a QB coach but there are rumors that Koy Detmer Jr could come in as an analyst/QB coach. All signs point to Tony Alford being retained. Ron Bellamy will probably stick around, they still need a Michigan guy and he might be the most "Michigan Guy" on staff. Freddie Whittingham could likely come in at tight ends coach, he is not a nepotism hire. He could also be a recruiting coordinator guy if you want to keep Grant Newsome around. Jim Harding could be the offensive line coach coming out of Utah. Lewis Powell might be coming in as defensive ends coach out of Utah. Lou Esposito might stay at Michigan. Linebackers coach is the one area where we haven't heard anything. Whittingham has mentioned going after a coach that is still in the playoffs. Jernaro Gilford might follow Jay Hill as the defensive backs coach. LaMar Morgan is a good recruiter so maybe you keep him. What about Special Teams coach? Time to move on from Kerry Coombs already? How would you grade these potential hires?  3. Hot Takes and The Search, Revisited Starts at 1:38:48 Takes hotter than the Utah message boards. It was a wild ride getting from DeBoer, Fisch, or Dillingham to here. A lot of information was coming from agents getting names out there. A lot of people said "Biff Poggi could get the job" and it was never going to happen. Did Michigan really never go and try to offer Dillingham a job? It feels like his people really hyped him up. We might be having a very different conversation if that Oklahoma receiver would've just caught that ball. Everyone penciled in Dillingham after the Oklahoma Alabama game and then he signs an extension. Whittingham was unemployed, he probably didn't have agents hyping him up. Brian still likes Jeff Brohm. Interestingly Penn State never went after Whittingham but once the Michigan job opened up he said he was "in the transfer portal." Why was Biff Poggi on that podcast? He was shooting his shot for a job but it was never going to happen. How well did the "insiders" do and how clued in will they be on the new staff.  4. Michigan Football vs Texas Starts at 2:18:38 Oh yeah Michigan has a bowl game. The only opt-outs are El-Hadi, Derrick Moore, and Barham (and Ernest Hausmann). Maybe it's a good sign that a lot of players still want to play in this? Six of 11 defensive starters are sitting out for Texas, most of their offense is playing. Michigan's best hope is to watch Arch Manning turf five-yard outs. I guess we'll see Wink walk off the field as a Michigan coach for the last time. This feels like a zombie team right now. Does Michigan have a way to stop Ryan Wingo? The Ohio State game feels like four years ago. Are you excited for this game? A lot of big-name guys have at least remained in the recruiting class. The hope of the Sherrone era was "hopefully he just gets better at coaching" and it's a relief to just move on. What was the most enjoyable game of the Sherrone era? Not the highlight, but the most fun beginning-to-end? A lot of things about the last two to three years make a lot more sense now. A lot of paranoia and worry feels lifted, there are adults in charge.  MUSIC: "Medium Machine"—Sports Team "Inept Apollo"—Nation of Language "Where'd You Go"—Horsegirl “Across 110th Street”—JJ Johnson and his Orchestra   

More syndications are going sideways. Capital calls have become common. Tensions are rising between operators and investors…but not for all deals. If you had talked to today's guest before forming your real estate syndication, there's a good chance you'd already have a battle plan for every potential challenge. Thankfully, today, CRE's go-to legal advisor is sharing his take for free. Richard Crouch has worked on eight figure commercial real estate deals for over two decades, helping advise on disputes, defaults, and structuring. He's the one who sets up your failsafes before a deal goes sideways and advises you on the right way to resolve it once the damage has been done. Today, we're getting into the nitty-gritty that not only sponsors but also passive investors need to know. We'll talk about the “gotcha” clauses lenders can use to extract fees from you or worse…take your entire property, the right way to handle a capital call so your exit strategy doesn't fall apart, and what to do in the unfortunate event that a guarantor passes away mid-deal.  Insights from today's episode: Your lender is not your friend: the “gotchas” put in place that you must navigate around  How to handle capital calls so your investors don't feel neglected and unsettled  One thing you need to include in every single operating agreement you sign  A crucial event that can “trigger” if a guarantor passes away during a deal cycle  Opportunity for buyers: Is now the time to invest in distressed debt amid inexperienced syndicators' struggles — Connect with Richard on LinkedIn Richard's Email: richard.crouch@woodsrogers.com  Richard's Phone Number: 757-353-0969 Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

Episode 181 In this episode, I sit down with Jimmy Finance, a loan professional who decided he wanted to serve musicians… and then actually did it. Jimmy shares how he carved out a specialty most people wouldn't even think to pursue—from his first musician client to working with famous artists and performers featured on major late-night shows. His story is packed with insight, motivation, and some behind-the-scenes moments that will make you grin. If you've ever thought about building a niche business—or wondered how far a bold idea can take you—Jimmy's journey might be exactly the spark you need. Looking for Construction or Fix & Flip financing for your clients? Partner with Park Place for fast, dependable funding. Get a quick quote here: http://workwithparkplace.com Powered by: Mortgage Marketing Animals

*Previously aired episode* John Chang interviews Joe Fairless, co-founder of Ashcroft Capital, about navigating today's complex commercial real estate landscape. Fairless, who manages over $2.8 billion in assets across 14,000 apartment units, shares insights on finding opportunities amid market distress by cultivating relationships with lenders seeking capable operators for distressed properties. They discuss the record-breaking apartment absorption in late 2023, the decreasing construction pipeline, and how these fundamentals create buying opportunities despite challenging capital raising conditions. Fairless also candidly addresses lessons learned from previous deals and emphasizes the importance of "extreme ownership" when communicating with investors during difficult market periods. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Power Producers Podcast, host David Carothers welcomes back Andy Mathisen, Insurance Sales Manager for Homebot. They dive into how agencies can dominate the personal lines market by shifting from transactional relationships to value-driven engagement.  Andy breaks down how Homebot serves as a "set it and forget it" tool that keeps agents front-and-center with insureds while simultaneously generating leads for loan officers and realtors—flipping the traditional referral food chain on its head. Key Highlights: What is Homebot? Andy explains that Homebot is a monthly home digest sent to insureds with a staggering 76% open rate. Unlike standard newsletters, this digest provides homeowners with real-time data on their home value, loan balance, and purchasing power (equity for refinances, HELOCs, or new purchases). The "Santa Claus" Effect: Gaining Leverage  Historically, insurance agents are at the bottom of the referral food chain (Realtor > Lender > Agent). Andy details how Homebot changes this dynamic by aggregating a "Team of Professionals" on the client's dashboard. When a homeowner interacts with financial tools on the platform, the insurance agent can pass those leads back to lenders and realtors, creating immense leverage and reciprocity. Content Strategy: Donuts vs. Data David and Andy discuss why dropping off donuts at a loan officer's office no longer works. To win in today's market, agents must provide actionable data and tools that help their referral partners grow.  The "Too Busy" Trap  The duo critiques the mindset of agency owners who claim they are "too busy" for new leads. They discuss the necessity of implementing systems, departmentalization, and proper website content strategies (blogs vs. paid ads) to scale consulting capabilities without drowning in work. Pet Peeves: Pick Up the Phone! Andy shares his frustration with agencies that rely on complex phone trees or refuse to answer calls, and the growing trend of prospects "ghosting" after good sales calls. Connect with: David Carothers LinkedIn Andy Mathisen LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Homebot Ai Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

Original Air Date: November 17, 1952Host: Andrew RhynesShow: The Lone RangerPhone: (707) 98 OTRDW (6-8739) Stars:• Brace Beemer (Lone Ranger)• John Todd (Tonto) Writer:• Fran Striker Producer:• George W. Trendle Music:• Ben BonnellFor more great shows check out our site: https://www.otrwesterns.comExit music from: Roundup on the Prairie by Aaron Kenny https://bit.ly/3kTj0kK

Original Air Date: November 17, 1952Host: Andrew RhynesShow: The Lone RangerPhone: (707) 98 OTRDW (6-8739) Stars:• Brace Beemer (Lone Ranger)• John Todd (Tonto) Writer:• Fran Striker Producer:• George W. Trendle Music:• Ben BonnellFor more great shows check out our site: https://www.otrwesterns.comExit music from: Roundup on the Prairie by Aaron Kenny https://bit.ly/3kTj0kK

In this powerful episode, Katie Shive reveals how mortgage pros can leverage AI to build visibility, rank in search, and attract real leads online. Katie, a brand strategist and AI marketing coach, breaks down the concept of GEO — Go Everywhere Optimization — and how it's changing the way consumers find mortgage professionals.You'll learn:How to create a "core entity statement" that helps AI recommend you firstWhy your bio consistency across platforms like LinkedIn and Google is criticalThe difference between creating content for humans vs. robotsHow to turn one podcast or blog post into an entire week's worth of marketingHow ChatGPT and other LLMs are now directly referring mortgage professionals to leads and what triggers thatWhether you're a seasoned LO or just starting to explore AI tools, this episode is a must-watch if you want to be found first and fast in search.Show Notes:Subscribe to Katie's NewsletterConnect with Katie on LinkedInWant to double your Realtor referrals without chasing, cold-calling, or paying for leads? See how Travis Newton grew his production by $40 million!Check Out myAgent Classes HereConnect With GeoffA Connect on InstagramS Connect on LinkedInK Subscribe on YouTubeSAY THANKS Leave a review on Apple PodcastsG Leave a rating on Spotify

1 hour and 54 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. What Happened Starts at :51 Sometimes in December we don't have enough content for a podcast... this week there is enough for a podcast. Michigan football has been thrown into chaos following the Sherrone Moore firing. This is the third out of five Warde Manuel hires in the three most important sports to have left in disgrace (also Jim Harbaugh depending on who you ask). There have been too many red flags on too many hires. There is no oversight within the athletic department and then you have to do an investigation instead of preventing one. The only reason the WiFi is better at Michigan Stadium is because of the Zach Bryan concert, not because they cared about the fan experience. Fans are just a piggy bank. Michigan is way too much in the news right now. If "a lot of people knew about this" then why didn't someone say something sooner? Warde lost credibility after his handling of Mel Pearson and he doesn't get credit for Brandon Naurato. Grandmas in Peoria know too much about the Michigan athletic department.  2. Coaching Search Bits Starts at 27:41 Michigan needs a new head football coach. How good do we feel going into it? Probably about a B-. There's not an obvious slam dunk candidate. The three big names are Kalen DeBoer, Kenny Dillingham, and Jedd Fisch. If Alabama wins their first playoff game then DeBoer is almost entirely off the table, if they lose to Oklahoma then there's enough smoke to believe he might think about it. Would DeBoer really leave Alabama though? It's not a place that coaches leave and he's a long shot even if they lose to Oklahoma. Kenny Dillingham played for Arizona State and has a lot of family and connections in Phoenix, he might just be a long shot to convince to move from home. Kenny Dillingham is young, he watches Stranger Things and doesn't understand all the references. What about Jeff Brohm? Jedd Fisch is good at roster construction and handling QBs, something that would be nice for Michigan right now. Jake Butt had a strong endorsement for Jedd. Some coaches wouldn't have former players stomping for them. Jason Eck is a fun name but he's never proven himself at a major program. Based on everything so far, it feels like it's probably Jedd Fisch (PENDING A BACKGROUND CHECK). Which assistant coaches/coordinators would you keep?  3. Hot Takes, Men's Basketball vs Maryland Starts at 54:31 Takes hotter than... actually we need takes about half of where they could go. We need to dial it back this week. Thankfully we can now turn our attention to basketball! Michigan 101, Maryland 83, a strange game. David Coit was hitting threes from every heavenly covered shot. When Michigan was down by 9 Kenpom still had them 76% to win. Maryland went 14-27 from three and Michigan still covered the Kenpom spread. This game was the script for Michigan to lose a game and won by 18. Brian reads Yaxel's boxscore poetically because it deserves it. Solomon Washington got ejected for two technicals. Michigan navigated foul trouble and you probably didn't even notice. Michigan is actually top 50 in three point shooting.  4. Men's Basketball vs Villanova Starts at 1:38:12 They went up by 30 at halftime and only won by 30?? What are we even doing here. You look at some of these top 50, top 25 teams on the schedule, could they beat Michigan in Ann Arbor? No way. Being #1 in two point defense with this schedule is insane. Michigan is identifying their weaknesses and working on them, that's terrifying for opposing teams. What is this team's weakness now? Hey, shout out to undefeated Nebrasketball!  MUSIC: "PH Suite"—Curtis Dro and Lamar Woods "Man I Need"—Olivia Dean "I Got Flavor"—LaRussell and Lil John “Across 110th Street”—JJ Johnson and his Orchestra   

Today I'm delighted to be joined by Clive Kinross, CEO and co-founder of Propel Holdings. Propel is one of the most successful fintech lenders serving underbanked consumers, and what makes their story particularly compelling is how they've achieved it: profitably, almost from day one. Since founding the company 14 years ago with just $4 million in capital, Clive and his three co-founders, who are all still with the company, have built a business that now serves a market of 100 million consumers across the US, Canada, and the UK. The company went public on the Toronto Stock Exchange in 2021 and has been the best-performing stock in its vintage.In our conversation, Clive shares how his background as a chartered accountant shaped his disciplined, unit economics-focused approach to building a lending business, how Propel uses AI to analyze over 80,000 applications daily and make credit decisions in six seconds, and why he believes the opportunity to serve underbanked consumers in developed economies has never been stronger.In this podcast you will learn:Why Clive decided to tackle credit for his second major business.How the company has evolved since its founding 14 years ago.The different brands they have in the US, Canada and UK markets.How their credit graduation programs work.The typical consumer coming to Propel for credit.How they differentiate themselves from others in the market.How their AI models work and the data they are feeding into these models.How Clive views the potential of AI throughout Propel's business.Why he decided to take Propel public in 2021.How they were able to become a profitable fintech lender quickly and sustainably.What Clive is most excited about for the future of Propel.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

In this conversation, Kathy Vasel shares her journey from being a salon owner to becoming a successful mortgage advisor and investor. She discusses the skills that translate between the salon and real estate industries, the importance of understanding the lending landscape, and the rise of DSCR loans. Kathy emphasizes the need for flexibility in lending guidelines and provides insights into the multifamily market. She also offers advice for new investors and loan officers on how to navigate the real estate market effectively.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

1 hour and 42 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Michigan Hockey vs Michigan State Starts at :51 A very silly debate not worth publishing preceded the actual intro of this podcast. A split against Michigan State is a very fair result, the whole series was intense. The first period of the Saturday game was an onslaught that Michigan relatively survived, Jack Ivankovic has been solid. How many first and second rounders were in this game? The answer is in the double digits. Is the Big Ten the best hockey league in the world outside of the NHL? Most of the time this team looks dominant but looking back on that Wisconsin series and the first period against MSU on Saturday shows some concerning trends where Michigan can't get out of their own zone. Minnesota is surprisingly not what they've been in the last few years.  2. Men's Basketball vs Rutgers Starts at 26:05 Michigan is putting up demolitions not even predicted by Kenpom. If Michigan puts up a reasonable number of 3s there's just no way to beat them. What did Rutgers even do... get to 41% from 2? Well Michigan shot 72% from 2. They've played the 8th hardest schedule in the country, what even is there to say? Morez Johnson is shooting 3s now. Michigan had more offensive rebounds than misses from 2. Cadeau had an alarming turnover rate earlier in the season and most of those have gone away. Is Yaxel the alpha guy for scoring? Do you need one when you win games by 40? Roddy Gayle is rounding into the guy we originally thought he would be. The floor on this team is so high, if they shot 15% from 3 they'd probably still win by 10. The only teams that look mildly threatening on the schedule are Michigan State and Purdue. USC is also spicier than we thought. Michigan is now favored in every single game on the schedule.  3. Hot Takes, Football Offensive Recruiting Class Starts at 54:31 Takes hotter than Curt Cignetti walking off the field after beating Ohio State 13-10 to win the Big Ten Championship and reacting in NO WAY WHATSOEVER. Savion Hiter is the number one running back in the country and he has the tape to back it up. Brady Smigiel and Tommy Carr come in at QB, they won't see the field for a while but then you could have a redshirt sophomore starting after Bryce leaves. It's nice to see Michigan recruit like they have 105 guys in a class. Michigan loses a wide receiver but picks up Travis Johnson, also Brady Marchese and Jaylen Pile. Would've been nice to get a slot guy but nice to get a few receivers. They're all early enrolees. Matt Ludwig comes in at tight end and is the number one player in Montana, close enough to Idaho. Michigan should get tight ends from American Samoa and Alaska. Mason Bonner comes in from Colorado, keep an eye on him down the road. Malakai Lee is the headlining offensive lineman out of Hawaii, Bear McWhorter is an all-name nominee. Marky Walbridge is a quintessential under-scouted player.  4. Football Defensive Recruiting Class Starts at 1:20:32 Carter Meadows is the #6 overall player in the class, he could be the first overall player in the draft if he projects how he's supposed to. Taco Charlton comparison? Tariq Boney is the other edge, described as a violent high motor style. Titan Davis is Chris Wormley shaped but could move to defensive tackle, McHale Blade might be the most underrated guy in this class. Alister Vallejo, the Mason Graham comparison! He's a lot of peoples' favorite player in this class (a class with two five stars). Could he help next year? Many linebackers, mostly flyers and not an instant-impact class. Do not trust AI in your recruiting history research. The defensive back class is a little light, all four stars though. Jordan Deck is a Makari Paige kind of guy. They get a kicker who kicks and a longsnapper who long snaps, yay. Kerry Coombs comes in as special team coordinator.  MUSIC: "Train Love"—Yor Old Droog "MAGIC"—Vince Staples and Mustard "I Need a Lover"—John Couger “Across 110th Street”—JJ Johnson and his Orchestra   

In this conversation, Demar Chapman, a mortgage professional and real estate investor, shares his journey into the real estate space, discussing various investor products, market dynamics, and the differences between mortgage brokers and lenders. He highlights current trends in new construction and multifamily investments, the importance of cash flow, and the growing interest in cross-state investing. Demar emphasizes the significance of communication and trust in underwriting deals and offers insights into the evolving landscape of real estate financing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

1 hour and 43 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Ohio State Starts at :51 Good thing this is pivoting to being a snacks podcast. Combos are way up there as far as gas station snacks go. Every time Ohio State got into a 3rd down situation they would just drop back and throw it to an open receiver. When Michigan was in this situation, Ohio State would just man up and Bryce had nowhere to throw. Those substitutions that happened all season continued in this game. Is trophy done going brrr? You cannot have this many holes in your team and expect to compete with Ohio State. The offensive line didn't look as dominated as it seemed, if Jordan Marshall and Justice Haynes played the whole game they'd probably break some more big runs. It didn't seem like Chip Lindsey brought much into this game that was built off of what they had been doing all season. Maybe Bryce froze up (pun not intended) a bit. He only had five throws at halftime? Guarnera actually looked really good, Frazier and Sprague held their ground. The reasons this offense didn't shine this season weren't because of the offensive line. Who's even going to sit out on offense in the bowl game?  2. Defense vs Ohio State Starts at 29:05 Giving up 27 points to Ohio State seems not that bad but we're still done with Wink. Ohio State's 3rd down conversions were the easiest possible. Neither Barham nor Derrick Moore got anywhere near Sayin all game. The 5-2 came back... It's year two, the defense shouldn't be this simplified. Yes, simplify it early on but it cannot be simplified against Ohio State. He learned nothing from the USC game, Wink needs to get fired and if he isn't then that's on Sherrone. There was a 20 play 81 yard field goal drive that took 12 minutes off the clock. That goal line stand was nice, though. Ohio State was at their own 10 but the backups were in?? Also it's a Fox broadcast, there's plenty of time to rest your starters during tv timeouts! There's a lot of work that needs to be done on the defensive line going into next year. The waves of elite defensive tackles has run its course.  3. Hot Takes, Game Theory, and Special Teams Starts at 53:38 Takes hotter than... idk. I'm out of ideas just like Michigan's coaches. The first sign that it was over was when Ohio State declined a holding call and then held Michigan on 3rd and 5. Zvada made field goals and a mob didn't have to come after Brian (they would've been right to do so). Hollenbeck had an 11 yard punt. Keeping Andrew Marsh just to fair catch punts is a valuable skill, don't make him a kick returner though. Kicking field goals early on 4th down felt like the right thing at the time, it could've been a stupid blizzard game later. You'd trust Zvada to make these field goals more than you'd trust the offense to get six yards in the redzone. Apparently an Ohio State player had head butted a Michigan player and Barham was demonstrating - but also don't do that. Jeremiah Smith almost had the funniest application of the worst rule in football. There were a lot of Ohio State fans at this game, how does that keep happening? Were there Ohio State fans near you and if so what was the experience near them like?  4. Around the Big Ten with Jamie Mac Starts at 1:25:11 Oregon 26, Washington 14 Washington's hyped offense just never came true in any of their big games this year. Oregon locks up a playoff bid, they'll probably get the G5 bid or the ACC champions. Penn State 40, Rutgers 36 Congrats to Penn State on getting bowl eligibility. This was a shootout. Tamper with the Rutgers receivers.  Minnesota 17, Wisconsin 7 Wisconsin is not good.  Michigan State 38, Maryland 28 Jonathan Smith was fired after this recording. There might've been 10,000 fans at this game but the weather kept a lot of people home.  Illinois 20, Northwestern 13 Snow game!  Iowa 40, Nebraska 16 Just a first half blowout without much effort in the 2nd half. A very disappointing ending to Nebraska's season. Nebraska is 2-10 the last three years in November. USC 29, UCLA 10 UCLA lead at halftime and then USC ran away with it in the 2nd half.  Indiana 56, Purdue 3 A year after Indiana gave Purdue their worst loss in the rivalry they give Purdue their first home loss in the rivalry. MUSIC: "Colors Change"—Tanks and Bangas "Too Good Too Bad"—Jason Scott and the High Heat "My Girlfriend Doesn't Worry"—Jeffrey Lewis and the Voltage “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Sunday the Band THE VIDEO: [After THE JUMP: The show notes.]  --------------------- 1. Ohio State Preview: Offense starts at the top Forecast is wind and snow, the real blizzard arriving after the game. Other than one guard they all range from solid to stars. They're back to what they were in 2021-'22, with a future 1st round QB in Julian Sayin who reads leverage on Ryan Day's standard multi-level drag routes and throws to the guys getting open. Those guys: Jeremiah Smith, the future #1 overall pick, and Carnell Tate, who will be a 1st rounder this year. Both have been banged up, but we think they're both going to play and more or less be themselves, with an excuse banked if they lose. Where they've advanced is they use a lot more two-TE sets, particularly Max Klare, a true blocky+catchy hybrid who may necessitate a hybrid response. They use the TEs in clever RPOs to create space for Sayin's throws, and are good enough in the run game with Bo Jackson to punish you for overplaying pass. 2. Ohio State Preview: Defense starts at 16:59 Be afraid. Illinois gained 295 yards on 4.2 YPP and Washington gained 234 yards on 4.4 YPP. Alex Drain does not like Matt Patricia, but he's slimmed down himself and his playbook and has Ohio State playing at an elite level. That's Caleb Downs, the guy Corum juked for a touchdown in the Rose Bowl, and now the best player in football, who's allowed to rove around and make plays while they man you with everybody else. It's also the play of their linebackers; Sonny Styles was the guy Corum juked on the 6-5 touchdown, but was always supremely talented and is at the peak of his game. Arvelle Reese was another big recruit; he came on last year and is in the conversation to go 1st overall as a grow-a-Parsons. He can be a safety, a DE, a linebacker, or anything. They can get away with all of that man and blitzing LBs because Igninosu, Matthews, and Styles are excellent athletes in coverage, and the Big Ten doesn't like to flag their grabbiness. The next generation of DBs is coming up—you remember trying to recruit Aaron Scott and Bryce West, plus #8 overall Devin Sanchez. They replaced four superstars on the DL with a superstar, a star, and two Just-Guys. Kayden McDonald is the lone member who wasn't a top-50 recruit but he's the star, and is probably a step too far Crippen and Guarnera. Caden Curry made the leap; he's Jack Sawyer 2.0, a strong pass-rusher and a force against the run. Kenyatta Jackson is equally strong against the run but is a block-and-done rusher. Tywone Malone has been there for ages. 3 and 4. Hoops in Vegas After-Action Report starts at 31:49 and 44:49 Beat Auburn by 30 and SDSU and Zaga by 40. Teams came into this thinking they could blitz Michigan's ball screens, Michigan came in having practiced their response to it. Zaga thruck? Look who took their shots—those aren't their shooters. The defense has been incredible; Morez allows you to be switchable when Mara is off the court and when he's on there's nowhere to go with the ball. Zaga had to take a bunch of push shots from 12 feet that are good shots for them, but that's not going to sustain an offense. Cason is coming around, though the offense is still much smoother with Cadeau. Turnovers are going to be the thing for this team again; when they get anything like even shot volume they're murder because their threes are open and they have all of these guys who score at the rim. Yaxel is becoming the Weapon that he was thought to be in the portal, but is extra dangerous because he doesn't have to be. Big-big actions are going to have to level up now that teams are sitting on them. This is where you bring in Tschetter, because a team that prepared for Johnson is out of sorts. Featured Artist: Sunday the Band If it wasn't for Brad Dumont I might still be in the Rose Bowl parking lot. Brad recognized us, let us in his car, and took us to Randy Sklar's place in time to catch Washington vs. Texas. He also put on the music of his then-14-year-old son Nate. Part of this had to be the fact Michigan had just won 26-20 in overtime in Nick Saban's last game. Also these kids rocked. It's relatable catchy stuff with a funky rhythm that's way more advanced than anyone ought to be at that age. Apparently in the two years since these high schoolers have picked up a following in the Pasadena music scene, but were getting in at the bottom floor; these are the two songs they've recorded so far. Trouble in Paradise was the one we were bouncing around to like middle-aged Mikey Sainristils. Rewind hits right now. Also give it up for a four-piece band when all the stuff that gets pushed these days are from solo artists and collabs. You can make fun of me now then turn this on for the ride home after we win. Songs: Rewind Trouble in Paradise Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

1 hour and 45 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Maryland Starts at :51 It doesn't feel good to just beat up on Maryland the week before The Game. Dave explains a soft and gooey snack for all of you to enjoy. Bryce was okay! He's worked on a nice seam route with an arc to Marlin Klein that he didn't have before the bye. And a dig route! There was one bad pass which was a tough throw to make anyways. Can he go and win The Game? Probably if the defense can do enough. This was never going to be a challenge for the offensive line but they exceeded expectations anyways. The Ohio State game might be a bridge too far, though. Kuzdzal is a step down from Justice Haynes and Jordan Marshall but he's got some juice. They succeeded on wedge! Andrew Marsh almost completed the Odell Beckham?? He's a star going forward. Marlin Klein hurdled a fool, Goodwin had a few catches. It was nice of Maryland to just run into themselves and let Michigan do what they wanted.  2. Defense vs Maryland Starts at 34:09 There was an opening drive touchdown with various guys being offsides again, but then there wasn't much until the backups came in. Pleeeease do not be rotating the back-seven against Ohio State all game. Derrick Moore has 11 sacks, imagine if he played more! Ernest Hausmann did not travel, Cole Sullivan was back (and possibly a little rusty). This performance didn't build confidence in holding Ohio State to 10 points again, a lot of Maryland receivers were running open. Brandyn Hillman had another good game, maybe that mini-suspension was the best thing for his career. He was even directing players into position. Some of Maryland's drops count as triple drops. There's just not much interior rush from this defensive line, maybe play Barham at linebacker against OSU so you can blitz him. Does Wink actually call plays without knowing or caring which personnel are out there? This year you don't have the two best defensive tackles in America and you can't bait Ryan Day into running into a six man box.  3. Hot Takes, Game Theory, and Special Teams Starts at 56:08 Takes hotter than yours truly after he got through the hot takes intro and had to re-do them because the Sklars dropped out of the call. Brian broke Zvada. Chase Taylor gets +4 on the onside kick recovery, that did not feel good. There was no punting from Michigan so we don't have to complain about punting. Marsh had some nice punt returns?? End of first half time management was less than ideal, Goodwin lined up in the wrong spot and they should've called timeout. Stop jumping offside! The late hit by Brandt was a weak call, so was the one on Bryce Underwood. Every replay angle was field-level and somehow they're contradictory?  4. Around the Big Ten with Jamie Mac Starts at 1:19:43 Oregon 42, USC 27 A close-ish looking boxscore but Oregon scored 28 first half points. Oregon has figured out some things after the Indiana game, they're in the 99th percentile in opportunity run rate. They're starting to look like the championship team they were hoping to be.  Iowa 20, Michigan State 17 Iowa pulls out a classic game that they don't deserve to win. MSU QB Alessio Milivojevic punted three times. Michigan State's 8 game losing streak is tied for the 2nd longest, the program record is 10. Tickets for MSU vs Maryland at Ford Field after the game are free!  Northwestern 38, Minnesota 35 An offensive explosion game! Northwestern wins at Wrigley for the first time in 8 attempts.  Wisconsin 27, Illinois 10 Neither team gets to 300 yards of offense. This was the first time all season that Wisconsin scored in the first and second quarter.  Penn State 37, Nebraska 10 The Grunk throws 12 times for 181 yards, that'll do it. Nebraska goes 1 of 6 on 4th down. Who is Penn State's number 1 coaching candidate?  Washington 48, UCLA 14 The Huskies continue to play without some of their stars but still blew out UCLA Ohio State 42, Rutgers 9 Ugh MUSIC: "Feel It Again"—Winyah "Drugs"—Philharmonik Live from NPR Tiny Desk "DBZ"—Your Old Droog and Method Man “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: The Band Feel THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- Not necessarily in this order. 1. Maryland Preview: Offense starts at around noon They have a kid quarterback too, but Malik Washington doesn't have an offensive line or a running game to help him. He does have a redzone threat in Shaleak Knotts and a couple of other productive receivers. That offensive line is the problem—their left tackle is from Central Connecticut State and he's not even their worst OL. Their TE room is banged up and bad at blocking. The RB and TE are good receivers but don't contribute much to the run game either, and somebody on this team has to protect the QB. 2. Maryland Preview: Defense starts at around 12:20 PM They're very young—younger than we are. Remember when Jalen Huskey picked off JJ McCarthy in the endzone? Hint: it was the game JJ threw interceptions in 2023 and made us feel bad briefly. They're opportunistic in the secondary, and won some games early in the season because they pick the ball off. They also have some transfers who make the passing game tough sledding: an Ohio vagabond who gets the backfield, a true freshman pass rusher that M had its eye on. Safeties are the returning starters and the best part of the defense, but have to hang back and clean up after the kids. Prescription: pound 'em. 3. Hoops: TCU and MTSU After-Action Report starts around 12:40 PM This team can be maddening. They have eight to nine starters who will take over a game or throw it away on any given possession. Aday Mara can be inconsistent even when his height isn't, and that's why they're 6th in Kenpom. Team fixed its rebounding issues and sprung some major turnover issues that allowed MTSU back into a game they were out of, before they were out of it again. The Blue Raiders settled for a lot of jumpers—contested threes or pullup other twos, while M is scoring 1.4 PPP at the rim. That formula is going to work against a lot of teams, but San Diego State and Auburn are going to be real threats. 4. Northwestern After Review starts at around 1:00 PM Andrew Marsh, come on down. Already on star watch and boy do we like that. Bryce was pretty good except when he threw a REALLY BAD freshman interception and an only kinda bad OC interception because they went to the well one too many times against Robert Fitzgerald, who balled out. Run game: Jordan Marshall is special but Bryson Kuzdzal is playable. Offensive line continues to do well against this level of competition; got 70% of their available yards against a very good defense. Defensively Seth thinks he's figured out (finally) why Michigan's rotations are what they are, in part because Michigan finally figured out their rotations. They also tried a new 3-3-5 defensive strategy that uses Barham as a linebacker and Hausmann as a hybrid, but it suffered the same fate as a lot of Wink ideas when he springs something new. Fine games from Brandyn Hillman and Mason Curtis; not as mad at Bowles as I thought we'd be. Cam Brandt: that's still weird, at least in pass rush, but he did some things in the run game to justify himself again. Featured Artist: The Band Feel You know here at MGoBlog we're fans of the un-Googleable. The Band Feel, which will be at The Pig in a few weeks, looks, acts, and sounds like a lost act from the early 1970s. But man does it ever work now, and it's not like the psychedelic ideas stopped coming when all the Zeppelin knockoffs drank themselves into glam. The Band Feel picks up where Beck, Sabbath, Deep Purple, etc. left off, but they also work in all the threads that have been developed since. The hit is "Shoal Creek" which sounds like a long lost Led Zeppelin song, but I stumbled on "Fly Birdy, Fly" which weaves in some of the bluegrassy ideas that became country back into rock. Goodbye Virginia is off their 2024 EP but the others are from their newest album Into the Sun. Songs: Icarus Fly Birdy, Fly Goodbye Virginia Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Learn how Cardiff has become America's favorite small business lender by leveraging technology to deliver quick approvals and funding for entrepreneurs in need.   In this episode of Sharkpreneur, Seth Greene interviews Dean Lyulkin, Co-CEO of Cardiff, who shares the journey of Cardiff from its humble beginnings to becoming one of America's most prominent small business lenders. He discusses the challenges and opportunities small business owners face when securing financing and how Cardiff's use of technology and digital marketing has enabled them to offer quick, easy access to capital. Dean also explains how Cardiff differentiates itself by providing both working capital and equipment financing solutions tailored to the unique needs of small businesses.   Key Takeaways: → The main mistake small business owners make is relying on outdated advice and not understanding that banks no longer serve their needs. → Small businesses should be cautious of unsolicited offers via text messages, as they are often red flags indicating a scam. → Despite the challenges posed by the 2008 financial crisis, Cardiff found success by focusing on small business needs and staying agile. → Small businesses often turn to banks for financing, but the banking industry's exit from small business lending created a void that Cardiff has filled. → Cardiff's goal is to provide funding decisions within minutes and deliver the money the same day to help small businesses solve immediate problems.   Dean Lyulkin is the Co-CEO of Cardiff and a recognized leader in alternative finance and investment strategy, known for delivering rapid, reliable capital to small businesses underserved by traditional banks. With a background in lending strategy, nearly a decade of experience at Fisher Investments, and a sharp understanding of macroeconomic forces, Dean plays a central role in shaping Cardiff's growth, innovation, and human-first approach to funding. He is a trusted voice on the impact of economic policy, interest rates, and financial markets on small businesses, and investing, frequently offering commentary and insights. Dean is also the creator of The Dean's List, a registered investment advisor, educational platform, and community that aims to bring transparency, clarity, and community to the investing world empowering high net worth individuals to make confident, informed investment decisions by cutting through industry complexity and elevating the next generation of investors. By combining operational expertise with a personal commitment to equity and access, Dean has helped lead Cardiff deploy over $10 billion in funding, empowering thousands of business owners across industries like healthcare, construction, logistics, and retail. Connect With Dean: Website: https://www.thedeanslist.co/https://www.thedeanslist.co/ https://cardiff.co/ Instagram: https://www.instagram.com/jointhedeanslist/ X: https://twitter.com/DeanLyulkin LinkedIn:  https://www.linkedin.com/in/dean-lyulkin-167b41 YouTube: https://www.youtube.com/@deanlyulkin Learn more about your ad choices. Visit megaphone.fm/adchoices

2 hours and 34 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Northwestern Starts at :51 This doesn't even qualify as a top five weird Northwestern game (we list our top five). This week's snack of the week is organic pumpkin seeds. On one level, this kinda looked like Michigan's best game of the year on offense and defense. Michigan comes out slinging it and Bryce's confidence seemed like it was at another level, but he made young mistakes. What happened on Bryce's sacks? Playing Northwestern always kinda feels like they have your signs. Michigan was able to counter some of Northwestern's defensive counters. Most of the mistakes are coming from freshmen which is just something that happens. Missed cuts on zone is whatever but missed cuts on power isn't good. Bryson Kuzdzal came in and did just fine. Bryce's scrambles were pretty good and mostly improvisation, his interceptions were freshman stuff. Safeties were baiting him, can he anticipate that in the future? The first interception was not understanding how to read the coverage, the second one was just needing to throw the ball better. Andrew Marsh made the Michigan catch of the year, you have a dedicated receiver going into next year. You could have 12 of 14 boxes in a great position next year. Andrew Marsh is the best freshman receiver since... Manningham? How much does this performance mean against Ohio State? The reverse fumble is on Chip Lindsey.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Northwestern Starts at 44:15 Northwestern came into this game with a pretty good ground game and they got stuffed. This was a good game to run the 5-2 in, Northwestern is on the opposite end of the spectrum from USC. Northwestern's gamesmanship cost them two false starts, Michigan tipped what they were running multiple times. The defensive backs got beat a few times but sometimes a receiver just makes a nice play over you. You probably don't want to put Zeke Berry on Jeremiah Smith, Jyaire Hill is getting his star back. Brandyn Hillman tackled with his arms! He's grown as a much more mature player over the season. They're defending screens now! TJ Metcalf body-slammed a guy.   3. Hot Takes, Game Theory, and Special Teams Starts at 1:08:55 Takes hotter than suburban Chicago in mid-November. There seems to be differing views on how much people liked this venue for a football game. The camera shots were weird. Seth and Dave think the inside of the stadium is magical, Brian not so much. It might've actually been 90% Michigan fans. They did the best they could with clock management at the end of the first half. What about timeouts at the end of the second half? Zvada kicked the ball into the street outside of the stadium. Brian takes responsibility for the missed field goals by changing the preview. Semaj got replaced, he's a better player than he's performed but he may be overdue for a mental health break. 4th down decisions. NFL calculator says there's a complete coin flip in decision making. It shouldn't be a holding call if you're getting your ass kicked. Semaj was on the ground with the ball but they didn't overturn the fumble? There's no transparency between officiating and the fans, other conferences and sports are getting better at it. 4. Around the Big Ten with Jamie Mac Starts at 1:59:37 USC 26, Iowa 21 Iowa jumped out to a nice lead but scored zero points in the second half. The Hawkeyes lost three offensive linemen. The universe is paying them back for all the 10 win seasons they had no business having. USC is now a legitimate playoff contender.  Indiana 31, Wisconsin 7 This was a sludge fart for Indiana in the first half but put it away in the second. Wisconsin is one of the worst Big Ten offenses ever contemplated. Most of Wisconsin's offense was off of a couple weird plays.  Penn State 28, Michigan State 10 A rock fight between two of the worst teams in the league. Michigan State had 15 wins over the last three years... well at least they did. Penn State won the very ugly trophy which might actually be the best trophy and they looked like they really wanted it. Illinois 24, Maryland 6 Maryland is not even trying to run the ball anymore. Illinois ground them to a pulp. Don't throw at Maryland, just run them over.  Washington 49, Purdue 13 Washington doubles Purdue in yardage and most of that was likely garbage time for Purdue.  Oregon 42, Minnesota 13  This feels like danger zone for PJ Fleck. They could lose to Wisconsin?? Ohio State 48, UCLA 10 UCLA is without Nico in this game, their backup has never thrown a college pass. UCLA is moving out of the Rose Bowl??  MUSIC: "Slow Burn"—The Rose City Band "Swans"—Maston "Optimism"—Jana Horn “Across 110th Street”—JJ Johnson and his Orchestra  

wsg Rodger Sherman, founder of Sports!, formerly of The Ringer, coiner of "Fetty Wapping," college football hero. The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Terry Klein THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- Not necessarily in this order. 1. Northwestern Preview starts at the top They're fine. Their offense plods but for one good receiver or when their QB throws an INT, which he's got accuracy problems that were visible when he was a Rhett Ashlee QB at SMU. Their defense is decent, rotates, plays sound football of a Lloyd variety. Alex likes edge Aidan Hubbard more than Michael Kilbane (whom PFF prefers). Their DTs are a little undersized so they jump behind the line of scrimmage, which Nebraska was able to exploit down the stretch. 2. Northwestern Preview cont. wsg Rodger Sherman starts at 13:56 What's it like being a Northwestern fan these days? It's spending $800 million on an unnecessary stadium instead of players, because you can't put your name on players. 3. Wake Forest After-Action Report, and a short TCU Preview starts at 27:45 How many ways can we say Mara is a star? Defensive ceiling is ridiculous. Three-big lineup needs a name. We also talk about Matt D's findings regarding the defensive play of Michigan's guards, which was not at all what we expected. 4. Purdue Upon Further Review starts at 44:58 Young offensive line plus Zack Marshall and Jalen Hoffman continue to be good blockers—might meet their match vs Ohio State. Jordan Marshall is a beast. Bryce's second half wasn't great either—he was not feeling comfortable in the pocket, missed some RPO reads he made earlier. Need a bye to get right. Defensively, I wasn't mad about Wink. Don't say on the internet that I was mad. Defensively the kids were not alright and the defensive rotations were still weird, but more explainable given the injury circumstances. Long drives were explainable until Purdue figured out they were just running nail (where you insert a blitzing LB as a 5th lineman and play 5-1). Interested in Lugard Edokpayi. Featured Artist: Terry Klein I usually don't go for country music, but I do when it's made by Terry Klein (LSA 1995), a folk country artist from Austin who's been touring festivals the most hallowed singer-songwriter venues across the country for decades, and reading a lot of MGoBlog between stops. His last album Leave the Light On won a bunch of acclaim, making American Songwriter's list of the best records released in 2023. His fifth album, Hill Country Folk Music, just came out. Songs: I Used To Be Cool The Dirty Third The Job Interview Song     Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Struggling with boundaries? Attachment expert Daphna Lender reveals why "gentle parenting" trends miss the mark. Learn the neuroscience-backed technique of parental self-regulation that transforms difficult moments with your kids. Discover why your own nervous system holds the key to effective boundaries. With 30 years of clinical experience, Daphna shares evidence-based strategies for managing challenging behaviors in children and teens. Learn how to "clear your screen" before setting boundaries, why listening with curiosity changes everything with teenagers, and the surprising power of disengagement. Read the show notes for today's episode at terricole.com/783

2 hours and 26 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Oakland Starts at :53 Everyone said "nice" at the halftime of this game. At first it didn't seem like the results meant much because Oakland looked really bad, but then they went and had a close game against Purdue. How much can you gather about Michigan fromhere? Trey McKenney was 6-8 from three and looked the part. He also had four assists and no turnovers, there were some Darius Morris qualities about him. Do they go with the very big rotation with Yaxel out? Will Tschetter seems to get more minutes when Yaxel is out, would like to see him step up as a four year player. Wake Forest was a bubble team last year and look like one this year, that game will tell us more about Michigan.  2. Previewing Men's Basketball in the Big Ten Starts at 21:31 In reverse Kenpom order Penn State They're bad. Rutgers How is this team even going to score a basket? They have seven teams scheduled in the 200s.  Minnesota Niko Medved's first year at Minnesota, but the roster does not look good. They'll compete with Rutgers and Penn State for the bottom spot. Oregon 35th in the preseason but have fallen considerably after a one point win over Hawaii and a four point win over Rice. They have a transfer from Elon, the Oregon NIL budget must be focusing on football.  Maryland The only Big Ten team with a loss. They shot terribly against Georgetown and were only in it because they scored 30 points off of free throws.  Northwestern They bring back Nick Martinelli, the guy who makes the worst shots you've ever seen (complimentary). They've blown out Mercyhurst and Boston, which would be impressive if it was hockey. Their center looks like Elvis. Washington Very young team starting two freshmen and two sophomores.  Nebrasketball Sam Hoiberg is still playing a majority of minutes, but at least the mustache is gone. They bring in the Icelandic Unicorn.  Iowa Ben McCollum's first year. Tavion Banks looked great at Drake last year but will probably hit a wall against the Big Ten.  Ohio State They beat IU Indianapolis 118-102, eek. They've retained a few players which is a big thing in college basketball now.  Michigan State More continuity and the best win in the Big Ten so far (69-66 over Arkansas). They're very experienced. They were awful at three point shooting a year ago and so far they're at 20% this year. This doesn't seem like a team that's going to win the league by three games but they didn't look like that last year.  Indiana Year one for Darian DeVries. They bring in a lot of new players and we don't know what to expect. This team is loaded with seniors. They're going to do what they do and then go away.  UCLA Mick Cronin is awesome, actually. How can a team starting Xavier Booker at center be? They have shooting but defense and rebounding are big questions. What if Mick Cronin yells at them more? USC Hey it's Terrance Williams. USC is surprisingly putting together a basketball program. Wisconsin They're 18th in Kenpom and looking at the roster doesn't make sense. There's no bench, either.  Purdue They bring back Braden Smith and Trey Kaufman-Renn. Fletcher Loyer is also back. Their 10 point win over Oakland was awkward. Jack Benter is an interesting freshman at guard. You can't second guess Matt Painter but they're missing their classic giant center that they build around.  Illinois This team is huge. They absolutely blew out Jackson State and Florida Gulf Coast. Pronounce Ivisic, or Petrovic, or Stojakovic, or Jakstsys.    3. Hot Takes and Hockey Updates Starts at 1:15:30 Takes hotter than the opposite of Kinnick Stadium, that looked miserable. Michigan split with Wisconsin over the weekend in a return to reality series. But it felt like worse than a split for what got exposed. Michigan couldn't get out of their zone but most teams on the schedule won't be able to replicate what Wisconsin did. Goalie Jack Ivankovic also just had a bad weekend which happens. Friday was such a fun game that was getting ruined by piped in music. They're being told to turn it down. Wisconsin seemed to really get under Michigan's skin and the frustration came out. The Big Ten is one of the best hockey leagues in the world and the league barely broadcasts games.    4. Around the Big Ten with Jamie Mac Starts at 1:45:28 Indiana 27, Penn State 24  Absolutely bonkers ending. The final two catches were amazing. This game raised questions about Indiana's ability to block next-level guys. Mendoza was pressured on 50% of dropbacks. Penn State did start the season with a group of players you would've thought would do that, though. All Penn State quarterbacks are now "The Grunk". Indiana was 2-25 against Penn State coming into this game and this was their first ever win in Happy Valley, the feels are still amazing for Hoosiers fans.  Oregon 18, Iowa 16 Oregon went into Kinnick during a rain storm and got almost the full Iowa experience (except that the safety happened to Iowa). The only stat that matters is that Oregon survived a November night(ish) game in Kinnick, survive and advance in that scenario.  Wisconsin 13, Washington 10 Played in similar conditions as Oregon vs Iowa, except this game sucked! Wisconsin's lead passer was the punter. This was a Big Ten West game and someone had to lose. If this wasn't in a sleet storm then Demond Williams probably gets more than 134 passing yards.  Nebraska 28, UCLA 21 Nebraska QB TJ Lateef goes 13/15 for 205 yards and 3 touchdowns. Dylan Raiola who? This was a very Big Ten game with limited possessions because both teams ran the ball a lot. Nebraska goes through so many running backs but might've finally found a guy. Rutgers 35, Maryland 20 Rutgers' running back Antwan Raymond rushed for 240 yards but Rutgers got outrushed. Maryland had six explosive plays and had a -0.4 EPA outside of those. Rutgers rescued their bowl hopes. USC 38, Northwestern 17 The boxscore is a blowout. USC had a fake punt pass that wasn't even legal. Why did they pull that out against Northwestern? It was close at the time. Ohio State 34, Purdue 10 merp MUSIC: "Feel For Love"—Michigan Rattlers "What's It All Mean"—Philharmonik "Sin Triangle"—Sidney Gish “Across 110th Street”—JJ Johnson and his Orchestra   

Dr. Ann Kelley is joined LIVE from Psychotherapy Networker with Dafna Lender, to explore the complex dynamics of parent-child estrangement. Focusing on the emotional and psychological impacts of cutting off family relationships, together they highlight the cultural influences that contribute to these estrangements, the therapeutic perspectives on navigating such situations, and the importance of empathy and boundaries in managing family dynamics. This conversation is about learning to hold both empathy and boundaries - understanding why someone might step away, and how to stay grounded and compassionate in the process. It's an honest look at the heartbreak, the healing, and the hope that can emerge when families face difficult truths. View the full episode shownotes at TherapistUncensored.com/TU284