Podcasts about Livermore

Fusion has been “ten years away” for decades — but one corner of the field just crossed a line that changes the conversation. In December 2022, Lawrence Livermore National Lab's National Ignition Facility achieved ignition: a self-sustaining fusion reaction that produced net energy. And they've repeated it.So what happens when you take the only fusion approach that's proven to work, and focus less on new physics… and more on building the industrial supply chain to do it again and again, cheaply and reliably? You get a field trip!In part one of a two-part field trip to Livermore, California, Molly visits Inertia Energy's “House of Fusion” to meet two of the company's co-founders:Jeff Lawson (yes, that Jeff Lawson — founder of Twilio and majority owner of The Onion) on the business case for commercializing ignition, and why Inertia thinks the economics are finally ready.Mike Dunn, former Lawrence Livermore power-plant designer and Stanford professor, on what it takes to turn a lab breakthrough into a power plant — from a gigawatt-scale “engine” that can follow renewables on the grid, to building a million precision fuel targets a day.We talk about:What “ignition” actually means — and why it's different from “fusion someday”Why Inertia is starting with the only physics regime that's been proven to produce net fusion energyThe two big bottlenecks: high-power diode lasers and mass-manufactured fusion targetsHow scaling semiconductor manufacturing could drive laser costs down (and why “1,000x” matters)What a fusion target is: a tiny fuel capsule inside a miniature “oven” (and why lead beats gold for economics)Why a fusion plant looks more like a high-RPM engine than a one-off experiment — and how that changes everythingPotential early markets beyond electricity: high-temperature process heat for steel, cement, and fertilizerWhat it looks like to build a fusion company in Silicon Valley: Apple/Waymo-style process engineers, high-end metrology, and a Nerf gun used as a stand-in for high-speed target trackingThunderdome. Yes, really.Links:Inertia Fusion: https://inertia.com/Everybody in the Pool: https://www.everybodyinthepool.com/Subscribe to the Everybody in the Pool newsletter: https://www.mollywood.co/Become a member for the ad-free version of the show: https://everybodyinthepool.supercast.com/Join our Discord! https://discord.gg/2EsDhwQC2z Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailWhat if we could recreate the inside of a star - not in theory, but inside a laboratory on Earth using the world's most powerful lasers?Dr. Mario Manuel, Ph.D. is a plasma physicist and laser-science researcher at whose work sits at the frontier of fusion energy, laboratory astrophysics, high-energy-density physics, and advanced laser diagnostics. Trained in applied plasma physics and aerospace engineering, Dr. Manuel has spent his career developing new ways to visualize and understand the extreme electromagnetic environments created when ultra-powerful lasers interact with matter.Dr. Manuel's research has spanned some of the most ambitious scientific efforts underway today - from inertial fusion energy and plasma-instability control to recreating supernova-like shock waves in the laboratory and generating ultra-intense gamma-ray and particle beams using petawatt-class lasers. Early in his career, Dr. Manuel helped pioneer advanced proton-radiography techniques capable of imaging invisible electric and magnetic fields inside laser-produced plasmas, work that opened new windows into the turbulent physics that can either enable or destroy fusion reactions.Today at General Atomics ( https://www.ga.com/ ), Dr. Manuel is involved in next-generation high-repetition-rate laser systems and the GALADRIEL ( https://www.ga.com/galadriel/ ) facility, where researchers are developing the automation, diagnostics, AI-driven optimization, and rapid experimental capabilities that may ultimately make practical laser fusion energy possible. His work also bridges into laboratory astrophysics, where miniature laser-driven plasmas are used to study the same collision-less shocks, turbulence, and magnetic-field generation processes that occur in supernova remnants and other extreme cosmic environments.With collaborations spanning facilities such as the National Ignition Facility in Livermore, California, and the OMEGA Laser Facility in Rochester, New York, along with partnerships across the fusion-energy and laboratory-astrophysics communities, Dr. Manuel represents a new generation of interdisciplinary scientists using ultra-powerful lasers not only to pursue practical fusion energy, but also to recreate and study some of the most extreme physical processes in the universe. From plasma turbulence and magnetic-field generation to collision-less shocks and high-energy particle acceleration, his work connects the quest for clean energy with the physics of stars, supernovae, and cosmic plasmas.#fusionenergy #nuclearfusion #nationalignitionfacility #laserscience #plasmaphysics #labastrophysics #supernova #gammaRays #particlephysics #inertialconfinementfusion #cleanenergy #futureofenergy #deeptech #sciencepodcast #generalatomics #livermore #omegaLaser #highenergyphysics #physics #aiinscience #fusionbreakthrough #scienceinterviewSupport the show

Deep in the abandoned ruins of Livermore, nature has swallowed a town devastated by fire, disease, and disaster — but some say its darkest stories never died. On this episode of New England Legends Podcast, Jeff Belanger and Ray Auger venture into the eerie remains of this forgotten White Mountains logging village, where crumbling foundations, ghostly legends, and unexplained encounters still linger in the shadows. The Haunting of Livermore – A New England Legends Podcast Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode features Livermore Valley winemaker and consultant Meredith Saboraria for a wide-ranging conversation recorded on location in the heart of the appellation. A proud self-described "Livermoron," Meredith traces her path from tasting room work in the late 1990s to earning her Viticulture and Enology degree at Las Positas College and building her consulting business, Barrel Down Wine Services. Along the way, she paints a vivid portrait of Livermore's wine country — from the outsized influence of Wente and Measure D on land preservation, to the region's sandy loam soils, marine-influenced climate, and its newly adopted signature varietals: Cabernet Franc and Sauvignon Blanc. She also shares candid insights into the valley's growing community of female winemakers and the collective they've built to support one another. The conversation then shifts to winemaking craft, with Meredith diving deep on the challenges of working with high-acid Barbera, her philosophy of balance over manipulation, techniques for punch-downs in macro bins and T-bins, and the smart use of enzymes during fermentation. Jim and Meredith also preview an upcoming Inside Winemaking group trip to Valle de Guadalupe, Baja California — Mexico's oldest New World wine region — where Meredith has traveled three times and serves as the group's guide. She covers everything from crossing the border by shuttle to the region's savory, marine-influenced wines, its world-class restaurants, and the exciting mix of traditional and modern winemaking happening in the valley. The episode closes with Meredith sharing the childhood smells of Livermore that still bring her home.   Resources from this Episode Barrel Down Wine Services Inside Winemaking's Feb 2027 Trip to Valle de Guadalupe   This podcast is sponsored by InnoVint. Wineries of all sizes rely on InnoVint's winery operating system to optimize vineyard tracking, manage wine production processes, automate compliance reporting, track costs seamlessly, and make data-driven decisions. The best part? The software is intuitive, easy to use, and mobile and offline friendly! And with the highest-rated customer service in the industry, you're guaranteed to have a smooth transition, even right before harvest. Learn more: innovint.us Get a demo: innovint.us/request-a-demo/ Join our free winemaking community: innovint.us/join-the-punchdown/

On today's episode of the Craft Industry Alliance podcast, we're talking about the first year owning a brick-and-mortar yarn shop with my guest, Sanjani Ramkissoon. Sanjani is the owner of Stitch & Revel, a yarn shop in Livermore, California, a charming wine country town in the Bay Area, about 45 miles east of San Francisco.  Born in Fiji and raised in the Bay Area since the age of five, she considers herself an accidental business owner, turning a long-held dream into reality when an unexpected opportunity to purchase inventory from a closing yarn shop led her and her husband to take the leap. They opened Stitch & Revel in September 2025, in a new location with a fresh vision and name. Her vision for the shop was to create an experience, not just a place to buy yarn (though that's important too), but a space where creativity flows and community grows.  +++++ Today's episode is sponsored by Stitchcraft Marketing. If you're making video, posting to social, sending emails, trying to grow your business, and you're not sure if it's working—this is for you. Stitchcraft Marketing is offering our listeners $500 Marketing Checkups: a customized coaching session where we review your channels and give you clear, prioritized next steps. It's for brands managing their own marketing who want expert direction.  Go to checkup.stitchcraftmarketing.com to apply for a Marketing Checkup. +++++ To get the full show notes for this episode visit Craft Industry Alliance where you can learn more about becoming a member of our supportive trade association. Strengthen your creative business, stay up to date on industry news, and build connections with forward-thinking craft professionals. Join today.  

The AgNet News Hour focused on California's intensifying political landscape, shifting crop conditions, and growing concerns over regulations and water as agriculture heads deeper into the 2026 growing season. The episode opened with discussion surrounding California's unusual spring weather patterns, which continue pushing several major crops ahead of schedule. Hosts noted that strawberries, blueberries, and table grapes are all harvesting earlier than normal after a warm March accelerated crop development statewide. “Everything's coming off early,” hosts explained during the program. The early timing is creating both opportunity and uncertainty for growers. While some producers may benefit from favorable market windows, there are growing questions about how summer heat and future weather patterns could impact final yields and crop quality later in the season. Tree nut production also remains a major point of discussion. Hosts debated whether almond yields could come in below current projections, particularly as weather stress and changing growing conditions continue affecting orchards throughout California. At the same time, the conversation returned repeatedly to broader concerns surrounding California agriculture, including water availability, fuel prices, labor costs, and the increasing burden of regulation on family farms. “We need our farms so much,” the show emphasized while discussing the long-term future of small and mid-sized operations across the state. The episode also featured an extended interview with congressional candidate Dena Maldonado, who is running for California's 14th Congressional District seat. Maldonado, a small business owner and longtime California resident, spoke extensively about the challenges facing both agriculture and small businesses under current state policies. “We need to cut the red tape,” Maldonado said while discussing the pressures farmers and rural businesses are facing. She pointed to rising costs, excessive regulation, and declining affordability as major issues driving both businesses and families out of California. Maldonado also stressed the importance of preserving farmland and strengthening food security throughout the state. “If we get rid of all the small businesses, there's not going to be anything left to fund California anymore,” she said. Agriculture remained central throughout the interview, particularly in regions like Livermore and Pleasanton where vineyards, specialty crops, and small farms continue facing increasing economic pressure from land values, regulation, and operational costs. Maldonado also criticized the lack of agricultural discussion during recent California governor debates, noting that issues like water, fertilizer costs, freight, and farming regulations continue receiving little attention despite their importance to the state economy. “Not one question about water, ag, farming, fertilizer, freight, regulations,” hosts said while reflecting on the debates. Beyond politics, the episode touched on growing national concerns involving trade discussions with China, food security, and California's long-term economic outlook. As California agriculture continues navigating early harvests, rising costs, and political uncertainty, growers remain focused on maintaining production while hoping for leadership that prioritizes water infrastructure, affordability, and long-term agricultural sustainability.

How do we move forward after forgiveness? John Mark and Bethany Allen walk through the four essential steps of reconciliation—confession, repentance, restitution, and restoration—and show us why forgiveness isn't complete until we've done the hard work of making things right. They challenge us to move beyond our culture's victimization mindset and take personal responsibility for the relationships we've damaged.Key Scripture Passages: Luke 17v1-4This podcast and its episodes are paid for by The Circle, our community of monthly givers. Special thanks for this episode goes to: Jennell from Loma Linda, California; Erica from Arlington, Washington; Greg from Flagstaff, Arizona; Erin from Livermore, California; and Jessie from Colorado Springs, Colorado. Thank you all so much!If you'd like to pay it forward and contribute toward future resources, you can learn more at practicingtheway.org/give.

The Livermore-based innovator pivots after reportedly selling assets to Caterpillar.

Qual é a pergunta que se você soubesse a resposta te faria prosperar dentro do mercado financeiro? Essa foi a pergunta que o Vasco lançou pro público — e as melhores respostas estão aqui, dissecadas sem filtro.OPERE NA ASSESSORIA DO MAMEDE! CORRETAGEM ZERO + CARTÃO BLACK + CASHBACK NA FATURA + SALA VIP EM AEROPORTO E MUITO MAIS: https://wa.me/5511971705139?text=Quero%20operar%20pela%20Assessoria%20Mamede%20e%20ter%20os%20benef%C3%ADcios30 DIAS DE SALA AO VIVO INTERNACIONAL GRATUITOS - OPERE COM UM TRADER PROFISSIONAL: https://qrco.de/bg2fTl Livermore levou 10 anos pra criar seu sistema. Soros, 8 a 10. Buffett, 4 a 6. Jesse Livermore passou 8 anos rodando antes de acertar. Se você está no mercado há 3, 4, 6 anos e ainda não achou consistência, a pergunta que você precisa responder não é "por que eu não consigo". É "por que tanta pressa?". A pressa de dar certo é justamente o que mantém todo mundo parado no mesmo lugar. Nesse episódio o Vasco senta com o Rudá Alves, seu sócio de mercado internacional, pra responder as perguntas mais profundas que chegaram da comunidade: como construir capital até ele ficar significativo, em que momento o problema deixa de ser estratégia e vira comportamento, o que vem primeiro — alinhamento pessoal ou trading, como descobrir aquilo que você não sabe. E a verdade mais dura de todas: o trader não é o problema. O sistema é. E se você tem dúvida de que deu errado, o Instagram te mostra 72 caras felizes na Disney enquanto você briga com a esposa em casa. Essa é a verdadeira fraqueza dos tempos modernos. Vida de trader de trailer pra trailer. Não tem vaselina. Convidado: Rudá Alves — trader profissional, sócio do Vasco no mercado internacional. 00:00 Abertura: qual pergunta te faria prosperar no mercado?03:00 Pergunta 1 — Como construir capital até se tornar significativo?07:30 Lucro + aporte: a matemática real de crescimento11:40 A lição de 2008: ganhe 10, gaste 8 e aporte o resto13:30 Pergunta 2 — Quando o problema deixa de ser técnica e vira emocional?17:00 O mercado financeiro é um mundo de dinheiro finito20:00 Você é funcionário do seu sistema22:30 Quanto tempo leva pra montar um sistema de trade29:00 Casamento, maturidade e tempo de tela30:00 Livermore, Bruce Kovet, Ed Seykota, Jim Simmons: os anos que cada gigante levou33:40 Pergunta 3 — 6 anos de dedicação, loss consistente, desisto?37:40 O segredo está na pergunta que você formula39:00 Pergunta 4 — Alinhamento pessoal ou trading primeiro?42:30 Disciplina não se aprende na frente da tela46:30 Terapia, autoconhecimento e a capacidade de autodestruição50:30 Pergunta 5 — "Por que tanta pressa, jovem?"53:00 A pressa devido a edes sociais e a comparação que destroem01:01:00 Pergunta 6 — Como descobrir o que você não sabe?01:03:00 A importância do ambiente e de quem está do seu lado01:06:00 Carta de um trader que considera desistir01:08:00 Encerramento #daytrade #mercadofinanceiro #ostraders #trading #traderprofissional #vascomamede #rudaalves #psicologiadotrader #mentalidadetrader #longevidadenomercado#daytrade #mercadofinanceiro #ostraders #trading #traderprofissional #miniindice #minidolar #trade #trader #vascomamede #tradercomum #humildade #gerenciamentoderisco #iniciantetrading #consistencia AnfitriãoVasco Mamede: Instagram: @vascomamede Tik Tok: ostraderspodcast

In Episode 439, Jeff Belanger and Ray Auger explore the ruins of Livermore, New Hampshire. A once bustling little logging town nestled in the White Mountains of New Hampshire, this village has seen fire, plague, and flood before the citizens finally walked away. What's left are the ruins and the ghosts.  See more here: https://ournewenglandlegends.com/podcast-439-the-ghost-town-of-livermore/  Listen ad-free plus get early access and bonus episodes at: https://www.patreon.com/NewEnglandLegends  Buy Jeff Belanger's new book Wicked Strange New England on Amazon: https://amzn.to/4lMkM3G  Check out Jeff's new underground publication Shadow Zine! https://shadowzine.com/  Listen to Ray's Local Raydio! https://localraydio.com/ 

Neste episódio o Doutor, como um dos principais elementos da manosfera portuguesa, comenta o mais recenta documentário sobre este tema da autoria do Dr. Louis Theroux; comenta a celebração do dia do pai como forma de evitar que pessoas, mais tarde, procurem pais em líderes de culta como o CHEGA ou a herbalife; enaltece o excelente debate sobre racismo protagonizado pela Dra. Susana Garcia (spoiler alert: não o existe, pelo menos contra "negro1des"); finalmente resume a excelente carreira da Dra. Mafalda Livermore.Bilhetes para o Mundo está Top em: https://ticketline.sapo.pt/evento/o-mundo-esta-top-10-anos-jcd-99267Em Cada Esquina Um Salazar: https://youtu.be/VPstAXyWy7wSegmento extra em: https://www.patreon.com/jcdireitaInstagram: https://www.instagram.com/jovemconservadordedireitaLivros da piça: https://www.instagram.com/livrosdapica

Reginald Livermore AO an Australian actor, singer, theatrical performer, designer, director, lyricist and writer joins Darren James for Talking Melbourne.See omnystudio.com/listener for privacy information.

In Episode 166 of Trap Talk, Zach Nannini and Richard Marshall Jr. sit down with Bryan Weeks from Livermore, California — 2025 California State ATA Singles Champion, three-time PITA All-Star, and manager of Livermore-Pleasanton Rod & Gun Club.Bryan shares how he got hooked after hitting his first target at a bachelor party in 2005, his journey from league shooter to running one of the largest trap facilities in California, and what it really takes to keep a gun club running smooth — clean trap houses, reliable mics, and finding volunteers in a state with the highest minimum wage.The conversation digs deep into:the 74th Annual Golden West Grand (May 6–10) — gold coin belt buckles for every event, shooter appreciation dinners, and why this shoot is a West Coast classicthe Multi-State Challenge coming to Livermore (April 17–19) — a new All-American point shoot giving California shooters better access to competeNorth Bay & South Bay leagues — how these monthly 150-target competitions shaped some of California's best shootersCalifornia trap shooting legends — Dave Kelly, Benias, Bob Graves, Rich Bullard, and the nostalgia of shooting at Livermore, Martinez, and Sunnyvalewhat makes a sea-level target so tough — and why Zach's 100 straight at Martinez is still a story worth tellingWhether you're planning a trip to California or just want to hear some classic trap talk and war stories, this one's for you.

Microplastics are invading your brain, blood, hormones, and fat tissue, and most people have no idea how deep the damage goes. In this episode, Host Dave Asprey and microplastics expert Josephine Musco break down exactly what these particles are doing inside your body and give you a practical, science-backed action plan to detox, protect yourself, and take back control of your biology. -Watch this episode on YouTube for the full video experience: https://www.youtube.com/@DaveAspreyBPR -Get a discount on Olyxir Tea by going to https://www.olyxir.com/ and using code ‘Dave10' at checkout Josephine Musco is a multidisciplinary entrepreneur, Demeter-certified biodynamic farmer, and winemaker at Chateau Bellevue 1881 in Livermore, California. She is the founder of Olyxir Tea Strips and holds two scientific patents rooted in her deep expertise in botanical medicine and regenerative health. She is best known for translating complex research on aging, nutrition, environmental toxins, and functional medicine into practical daily habits, and for her work exposing microplastics and PFAs as one of the most underestimated drivers of accelerated biological aging. Dave Asprey and Josephine cover the full picture: how nanoplastics cross the blood-brain barrier and accumulate in postmortem brain tissue, how endocrine disruption from plastics tanks testosterone and drives fat storage, and why your teabag, canned soup, and yoga pants may be among your biggest sources of daily exposure. They also go deep on real solutions, from lymphatic drainage protocols and infrared sauna to supplements like chlorella, lactobacillus, and olive leaf polyphenols that actively help the body clear microplastics and support longevity and brain optimization. This is essential listening for anyone serious about biohacking, anti-aging, metabolism, brain optimization, supplements, human performance, and smarter not harder approaches to living clean in a toxic world. If you drink tea, cook with plastic utensils, or wear synthetic workout clothes, this episode will change how you make decisions every single day. You'll Learn: Why 0.5 percent of postmortem brain tissue is now made of microplastics and what that means for neuroplasticity and cognitive decline How microplastics mimic estrogen, disrupt metabolism, and make it nearly impossible to lose fat The link between microplastic plaque in carotid arteries and a 4.5x increased risk of cardiac events Which everyday sources, including teabags, canned soup, cookware, and plastic cutting boards, are silently loading your body with nanoplastics How lactobacillus reduced microplastics in the blood by 82 percent in studies, and which other supplements support detox Why Dave Asprey drinks Danger Coffee from a metal container and what his full microplastic reduction protocol looks like How olive leaf polyphenols, with 26,215 micrograms per gram, act as powerful free radical scavengers to support brain optimization and anti-aging The morning lymphatic activation routine that combines rebounding, herbal strips, and whole body vibration for deep cellular detox Why AI and citizen science are accelerating our understanding of microplastic damage faster than traditional medicine Thank you to our sponsors! The One Device | Use code DAVE for $10 off at http://theonedevice.com/daveHeartMath | Go to https://www.heartmath.com/dave to save 15% off.Igniton | Go to Igniton.com and use code DAVE to save 15% off.Puori | Go to http://Puori.com/DAVE or use code DAVE at checkout to get 32% off your Puori Fish Oil subscription. You save more than $18.Dave Asprey is a four-time New York Times bestselling author, founder of Bulletproof Coffee, and the father of biohacking. With over 1,000 interviews and 1 million monthly listeners, The Human Upgrade brings you the knowledge to take control of your biology, extend your longevity, and optimize every system in your body and mind. Each episode delivers cutting-edge insights in health, performance, neuroscience, supplements, nutrition, biohacking, emotional intelligence, and conscious living. New episodes are released every Tuesday, Thursday, Friday, and Sunday (BONUS). Dave asks the questions no one else will and gives you real tools to become stronger, smarter, and more resilient. Keywords: microplastics, nanoplastics, teabags, detoxification, BPA, endocrine disruptors, brain health, fertility, reproductive health, Josephine Musco, Elixir Tea Strips, sauna detox, infrared sauna, lymphatic system, probiotics, polyphenols, olive leaf, toxins, heavy metals, pesticides, plastic contamination, water bottles, non-stick cookware, synthetic fabrics, inflammation, Alzheimer's, dementia, cognitive decline, testosterone, preconception health, pregnancy, longevity, anti-aging, biohacking, functional medicine, Dave Asprey, environmental toxins, detox protocols, gut health, acacia gum, chlorella, spirulina, whole-body vibration, rebounding Resources: • Get a discount on Olyxir Tea by going to https://www.olyxir.com/ and using code ‘Dave10' at checkout • Get My 2026 Clean Nicotine Roadmap | Enroll for free at https://daveasprey.com/2026-clean-nicotine-roadmap/ • Dave Asprey's Latest News | Go to https://daveasprey.com/ to join Inside Track today. • Danger Coffee: https://dangercoffee.com/discount/dave15 • My Daily Supplements: SuppGrade Labs (15% Off) • Favorite Blue Light Blocking Glasses: TrueDark (15% Off) • Dave Asprey's BEYOND Conference: https://beyondconference.com • Dave Asprey's New Book – Heavily Meditated: https://daveasprey.com/heavily-meditated • Join My Substack (Live Access To Podcast Recordings): https://substack.daveasprey.com/ • Upgrade Labs: https://upgradelabs.com Timestamps: 00:00 – Introduction 03:00 – Microplastics in the Brain 08:40 – Olyxir Tea Strip Solution 10:10 – Health Impacts & Weight Gain 11:05 – Environmental Solutions 14:29 – The Teabag Problem 18:57 – How to Remove Microplastics 22:04 – Olive Leaf Benefits 28:26 – Josephine's Scientific Background 33:00 – Guarana & Lymphatic Support 34:22 – Skincare & Microplastics 36:38 – Sauna Protocol 44:19 – Household Exposure Sources 47:18 – Workout Clothing Risk 48:59 – Leather vs Synthetic Fashion 50:54 – Pregnancy & Fertility 54:20 – Closing & Discount Code See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In February, America's nuclear arms treaty with Russia expired, ushering in “a global rush for new weapons,” according to New York Times. Much of the next generation of the US nuclear arsenal will be developed at Lawrence Livermore National Laboratory, which has been designing and testing nuclear weapons since the early 1950s. The Lab's history of hiding hazardous health impacts, security failures, and other troubling behavior should raise concerns not only in eastern Alameda County, but across the entire region. This episode features interviews with Marylia Kelley and Scott Yundt of Tri-Valley CARES, a watchdog group that's been monitoring the Livermore Lab and advocating for community safety since 1983. Additionally, Sherry Pratt, a retired Lab employee and cancer survivor, joins the program to share her story. Listen now to hear about the stunning history of Lawrence Livermore National Lab, the origins of the nuclear weapons complex, and why transparency around the Lab's operations is shrinking while its budget is booming. To see photos and links related to this episode, visit: https://eastbayyesterday.com/episodes/i-felt-burning-in-my-throat/ Don't forget to follow the East Bay Yesterday Substack for updates on events, boat tours, exhibits, and other local history news: https://substack.com/@eastbayyesterday Donate to keep this show alive: https://www.patreon.com/c/eastbayyesterday To learn more about Tri-Valley CARES, visit: https://trivalleycares.org/

Sponsored by Pepperstone Have you ever sat at your desk after a bad run and wondered if the exit is the right door? In this episode I walk through three of the greatest traders who ever lived... Jesse Livermore, Paul Tudor Jones, and Stanley Druckenmiller, and the specific moments each of them nearly walked away from trading for good. Livermore went bankrupt and got suspended from the Chicago Board of Trade. Tudor Jones wiped out 70% of his account and said "I don't think I can hack it much longer." Druckenmiller lost three billion dollars to FOMO and described it as devastating. None of them were being irrational. Quitting would have been the reasonable response. But they didn't. And what happened next is the point. If you're in a rough patch right now ... this one's for you.

Episode Description: Listen to Help One Child's JUST RELEASED Bite-Size Encouragement Podcast episode to gain new parenting tools for strengthening attachment while addressing power struggles and conflict with kids who joined your family through foster care, adoption or a kinship/relative placement. Tom Dozier is a local East Bay expert who was an engineer in his first career and now is a behaviorist, parent coach, and foster parent training curriculum developer to give back!Show Notes: Visit 3LParenting.com and select Classes By Age to explore a series of 15 free, short video lessons on general parenting to deal with behavior problems, lead to positive connections, warm fuzzies and stronger attachments. Reach out via email to request the audio files, as only the videos are available on this website. Contact via Email: tom@3lparenting.comExpert Biography: Our trainer, Tom Dozier, MS, BCBA, BAMC:BCCBT, is the owner and parenting coach of Guaranteed Parent Training in Livermore (after 30 years in engineering). Tom is a Board Certified Behavior Analyst Scientist, and is a certified parenting instructor for, “Parenting Tools for Positive Behavior Change” used in Florida to train Foster Parents. Tom provides families the help they need to succeed. Tom is also the Author of Understanding and Overcoming Misophonia, 2nd Ed., plus thePresident of The Misophonia Institute and he works in Livermore, California.Podcast Description: Trauma and attachment experts share the latest information specifically related to adoptive, foster and kinship parenting. Every month, you will find helpful insights and practical parenting tips in Help One Child's blog and podcast releases.

Brandon said his dinner with Tasha at a French bistro in Livermore was flawless — great food, deep conversation, and real chemistry. She “really got” him. So why did she vanish afterward?

This week on Through the Grapevine, we welcome Brad and Ally Kurtz of Vine Farm Ridge—Livermore Valley's newest winery making big moves on the first ridge above the valley floor.Brad returns to the show with Ally joining for the first time, and together they share the bold vision behind reviving a neglected 14-acre site, discovering its hidden potential, and replanting it to build a vineyard that honors both California heritage and Mediterranean tradition.From head-trained field blends to the historic Blind Boss Vineyard, the Kurtz family is carving their own path and pushing the region forward. If you're curious about the next generation of Livermore wine and the people determined to shape its future, this episode is a must-listen.#eatlocal #drinklocal #livelocal

https://slasrpodcast.com/      SLASRPodcast@gmail.com   Welcome to Episode 213 of the sounds like a search and rescue podcast. This week, good friend of the show and author Ken Bosse joins us. Ken recently published his 4th book - "They Said It's Dangerous" - a light hearted look at some of the dangers hikers can be faced with. This is Ken's 4th book and as always, all profits from Ken's books go to the NH Outdoor Council which supports local search and rescue teams. Ken will sit in with us today and will catch up on a bunch of topics including the mystery of an abandoned tent in the White Mountains that has made national news, a rough day on Mount Washington, the Cog railway had to say upwards of 20 hikers who were ill prepared for an early burst of winter like conditions. Plus naked hikers, NH declared the best place to raise a family, Siberian Log Fires, an overview of some hiking in Hawaii, and we catch up on recent search and rescue news.   JOIN SLASR, REKLIS AND FRIENDS LIVE IN NOVEMBER AT FULL CONDITIONS EVENT - TICKETS HERE   About Ken's New Book  New Book - They Said It's Dangerous They Said It Would Be Fun: A Hilarious Journey Learning to Hike the NH 48 They Said They Wanted More: A Hilarious Journey Hiking the NH 52 With a View They Said Teach Us More: Solos, Winter Hiking & Overnighters Topics Welcome Baby Ethan Full conditions Aurora Borealis Abandoned Tent Mystery Naked Hiker NH is the Best place to raise a family  NH Lifts Fire Ban SAR Topics List  Siberian Log Fire  Mount Washington Rescues - 20+ people taken down by the Cog Missing Two Year Old Waterville Valley Expansion Two guys recreate Sam and Frodo journey from Lord of the Rings Yosemite Chaos  Gear Talk  Music Minute - Til Tuesday Recent Hikes - Hawaii and Blue Hills Guest of the week - Ken Bosse - New Book  Recent Search and Rescue  Show Notes Apple Podcast link for 5 star reviews SLASR Merchandise SLASR LinkTree SLASR's BUYMEACOFFEE Abandoned Tent Sparks Mystery Social Media Post People leave gear more than you think Mike had a situation where he found gear on Franconia Ridge Naked, Lost and Afraid in Canada NH ranks #1 as best place to raise a family NH lifts fire ban  list of all SLASR episode show notes Making a Siberian Log Fire 20+ hikers rescued from Mount Washington  Missing 2 year old found by NEK9  2 men recreate Sam and Frodo's journey Backpacker Mag on gov shutdown in yosemite Base Jumper Cited Exploding Gas Canisters when combining fuel canisters for backpacking T-Mobile GPS news Injured Hiker Carried off Welch-Dickey Trail in Thornton - 10/1 Injured Hiker Rescued from Mount Osceola, Livermore - 10/4 Youth Hiker Assisted Off of Mount Washington - 10/5 Injured Hiker Assisted on Mount Monadnock - 10/7 Injured Hiker Rescued from Dickey Mountain, Thornton - 10/7 Hiking Fatality, Pisgah State Park - 10/9 Injured Hiker Rescued on Basin Cascade Trail - 10/13 Injured Hiker on the UNH Trail, Hedgehog Mountain - 10/18 Unprepared Hiker Rescued from Franconia Ridge in Lincoln - 10/19 Injured Hiker Rescued from Old Bridle Path in Franconia - 10/25 Hiker Rescued in the Mt. Washington Snow - 10/26 (covered) - skip Hiker Call on Black Angel Trail -  Sponsors, Friends  and Partners Wild Raven Endurance Coaching 2024 Longest Day - 48 Peaks Mount Washington Higher Summits Forecast Hiking Buddies  Vaucluse - Sweat less. Explore more. – Vaucluse Gear Fieldstone Kombucha CS Instant Coffee

For the first episode back in over two years, I had to call in the most elite of bomb droppers!

We always like to do a cemetery episode during October in keeping with the "spooky" theme of the season.  This year, however, we're not playing up the spooky or macabre side of cemeteries.  Instead, we're looking at the compassionate, caring side of cemetery operations with Brother Jon Hart, manager of the IOOF Memory Gardens in Livermore, California.  Brother Hart had a meandering path to the job, starting with joining the Livermore Lodge and then jumping in to help save the cemetery when it looked like the lodge would need to sell it.  Since then he's been able to use his skills as an ordained minister and former systems programmer to make the cemetery experience a holistic and caring one.  There's no Shoutout in this episode (but you can contact us with info about other lodges doing great things for future Shoutouts) but there are some great items to share in the Odd Podge.  Toby went to the Idaho Grand Sessions in Pocatello and got to visit with old friend and fellow Washington PGM Kelly Hughes (now our Sovereign Grand Warden), Jon reflected on how the word "remember" means to bring people back together, and Ainslie shared his story of being elected Grand Warden of Illinois and then the triumphal success of his lodge's Odd Market.

Brandon said his dinner with Tasha at a French bistro in Livermore was flawless — great food, deep conversation, and real chemistry. She “really got” him. So why did she vanish afterward?

In this episode, Fil and Pedro explore the trading legacies of W.D. Gann, Charles Dow, and Jesse Livermore, uncovering how each shaped the markets we know today. From Dow's timeless theory of trends to Gann's mysterious use of time and cycles, to Livermore's lessons on psychology and discipline. They break down what modern investors can learn from these greats. Stay tuned as they reveal why these historic traders still influence strategies more than a century later.

Send us a textA candy collaboration, a robot named Dot, and a light switch you control from bed—today's ride is all about the small levers that quietly shape a calmer life. We start with a straight-talking taste test of the Reese's x Oreo mashup, separating hype from flavor and calling out why the PB-filled Oreos delivered more joy. From there, we take a sharp turn into Phoenix, where bright red DoorDash delivery robots share the road at 20 mph. Cute? Yes. Frictionless? Not quite. We weigh privacy perks against road safety, tampering risks, and the big question of whether convenience is worth the headaches in real neighborhoods.Sleep becomes the anchor. We break down why steady bed and wake times beat weekend sleep-ins, how circadian rhythm sets the tone for energy, and the three pillars that make better rest stick: align with the 24-hour cycle, stay awake long enough to build sleep pressure, and create a real wind-down. Then we click over to lighting—the overlooked habit shaper. Think smart bulbs on timers, warm dimmers that shift with sunset, and color cues that help kids read or relax. We swap stories from theater light design to street lamps, touch on the “City of Light” monikers for Paris and Buffalo, and geek out over the 124-year-old Livermore bulb still burning at four watts.By the end, it's clear: small systems do heavy lifting. Choose treats that actually taste good, set your lamps to support your nights, and pick a sleep routine your brain can trust. We wrap with honest highs and lows—injuries, coughs, a brand-new driver, and a pizza-truck feast—because real life is where these tweaks matter. If you smiled, learned something, or rethought a habit, follow the show, share with a friend, and leave a quick review so more curious listeners can find us.Mike Haggerty Buick GMCRight on the corner, right on the price! Head down to 93rd & Cicero & tell them the Noras sent you!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

What really defines a cult—and why do smart, well-intentioned people get caught up in them? In this episode, Michael Shermer sits down with cult intervention specialist Ashlen Hilliard to explore the psychology of high-control groups and the people drawn into them. Her work has been featured in prominent media outlets like Hulu, NewsNation, HuffPost, and BET+. In 2022, Ashlen founded People Leave Cults, offering intervention and recovery resources for survivors and concerned loved ones. As one of the few Cult Intervention Specialists in the country, Ashlen consults with a team of experts to develop personalized intervention strategies for families that have a loved one involved in a range of coercive situations, including cults, gangs, domestic violence, trafficking, and violent extremism. She also served as the Director of Events for the International Cultic Studies Association (ICSA), organizing regional and international events, workshops, and conferences for those affected by the cult phenomena and psychological manipulation. She is touring the Fall of 2025 in these cities for her show https://www.psychologyofcults.com/: October 8    Jacksonville, FL    Florida Theatre  October 9    Newberry, SC    Newberry Opera House  October 11    Huntsville, AL    Mars Music Hall  October 12    Bristol, TN    Paramount Bristol  October 14    Charleston, WV    Maier Foundation Performing Hall  October 16    Stroudsburg, PA    Sherman Theater  October 17    Morristown, NJ    Mayo Performing Arts Center  October 18    Stamford, CT    Palace Theatre  October 19    Concord, NH    Chubb Theatre  October 21    Buffalo, NY    Electric City  October 22    Columbus, OH    The Southern Theatre  October 24    Pontiac, MI    Flagstar Strand Theatre  October 26    Cincinnati, OH    Bogart's  October 28    Chicago, IL    City Winery  October 29    Indianapolis, IN    Clowes Memorial Hall  October 30    Cleveland, OH    Connor Palace  November 23 Livermore, CA    Livermore Valley Performing Arts Center 

What if the patterns you keep bumping up against aren't actually you—but simply habits your mind has learned to run on repeat?In this episode, I'm joined by Kristyn Livermore, director of West End Hypnosis, who shares her journey from being a client herself to building a practice that helps people rewire unhelpful patterns, step out of autopilot, and reconnect with their own sense of choice.Kristyn opens up about:How hypnosis helped her rebuild confidence, release old patterns, and make lasting changeWhy “all hypnosis is self-hypnosis” and what that really meansThe difference between talk therapy and hypnosis, and how they can complement each otherTools for creating mental space when life feels overwhelmingWhy awareness is the first step to shifting into new ways of thinking and livingWhether you're curious about hypnosis, looking for practical ways to step out of survival mode, or just want to hear an honest conversation about growth and change, this episode will leave you with fresh perspective (and maybe a few tools to try today).Connect with Kristyn:

Today Dominic Bowen hosts Doug Livermore on the podcast to discuss the rise of authoritarian alliances. They dive into the growing cooperation between China, Russia, North Korea, Iran, and their proxies, the economic and military dependencies that underpin these relationships, how authoritarian regimes leverage propaganda and “unrestricted warfare,” the role of countries like Venezuela, Sudan, and the Houthis in this expanding network, lessons from Ukraine as a testing ground for irregular tactics and advanced technology, the risks this poses to democratic societies, and much more!Doug is Senior Vice President at CenCore Group and a Lieutenant Colonel in the US Army Special Operations Command. He has served in Iraq, Afghanistan, Mali, and the Congo, and previously directed sensitive activities and irregular warfare at the Office of the Secretary of the Navy. He has also served as Senior Operations Advisor to the Assistant Secretary of Defense for Special Operations and Low Intensity Conflict. A decorated officer, Doug has received the Meritorious Service Medal, the Bronze Star, and multiple Army Commendation Medals, including one for valor, and he holds both the Ranger and Special Forces tabs.Doug brings deep expertise on special operations, irregular warfare, and national security, combining frontline military experience with high-level strategic advisory roles in Washington. His insights draw on years of work at the intersection of defense, geopolitics, and the private sector, helping audiences understand how authoritarian regimes are reshaping the global order and how democracies can respond.The International Risk Podcast brings you conversations with global experts, frontline practitioners, and senior decision-makers who are shaping how we understand and respond to international risk. From geopolitical volatility and organised crime, to cybersecurity threats and hybrid warfare, each episode explores the forces transforming our world and what smart leaders must do to navigate them. Whether you're a board member, policymaker, or risk professional, The International Risk Podcast delivers actionable insights, sharp analysis, and real-world stories that matter.Dominic Bowen is the host of The International Risk Podcast and Europe's leading expert on international risk and crisis management. As Head of Strategic Advisory and Partner at one of Europe's leading risk management consulting firms, Dominic advises CEOs, boards, and senior executives across the continent on how to prepare for uncertainty and act with intent. He has spent decades working in war zones, advising multinational companies, and supporting Europe's business leaders. Dominic is the go-to business advisor for leaders navigating risk, crisis, and strategy; trusted for his clarity, calmness under pressure, and ability to turn volatility into competitive advantage. Dominic equips today's business leaders with the insight and confidence to lead through disruption and deliver sustained strategic advantage.The International Risk Podcast – Reducing risk by increasing knowledge.Follow us on LinkedIn and Subscribe for all our updates!Tell us what you liked!

This weekend is the Taste of Africa festival in Livermore, an annual African arts and music festival hosted by Cheza Nami an award winning African arts organization based in Pleasanton. 

Aviation Career Foundation & PhilosophyDarren Pleasance's aviation journey began serendipitously at age 13 in Livermore, California, sparked by witnessing model airplane flying in a local park (02:32)Boy Scouts aviation merit badge provided first airplane flight experience with troop leader who was also a flight instructorAirport proximity advantage allowed daily after-school bicycle rides to Livermore Airport for hands-on learningMentorship network development through open hangar visits led to free flight instruction from CFI named DougAccelerated certification timeline: solo at 16, private at 17, commercial instrument flight instructor at 18College funding strategy utilized flight instruction income to pay for education expensesLife decision framework established early: "When faced with difficult decision, choose one that makes for better story" (07:03)McKinsey departure decision after 14 years applied this principle to join Google despite financial spreadsheet analysisAlaska bush pilot choice over completing engineering master's degree exemplified same philosophyCareer diversification approach created multiple aviation experiences: corporate jets, glider towing, competition aerobatics, bush flyingMedical Certification Challenges & AdaptationsColor vision deficiency discovery at age 16 during first medical examination created major career obstacle (09:16)Initial medical restriction: "not valid for night flight or color signals" threatened professional pilot aspirationsDemonstrated ability waiver process required FAA flight examination demonstrating ability to distinguish aviation-relevant colorsTesting requirements included: identifying plowed vs. unplowed fields, recognizing taxiway centerline lights, runway edge lights, beacon colorsAirline career impact: even with eventual first-class medical clearance, airlines wouldn't hire pilots with any medical history complicationsBlessing in disguise outcome: forced exploration of diverse aviation opportunities including John Travolta corporate pilot work, competition aerobatics, P-51 flyingCorporate Experience IntegrationMcKinsey consulting foundation provided comprehensive business function exposure across marketing, sales, finance, organizational strategy (05:58)High-tech specialization and sales/marketing focus opened door to Google global team leadership opportunity14-year tenure built expertise in helping management teams improve business performance worldwideDiverse client experience across multiple industries and business functions created versatile skill setGoogle and Cisco leadership roles combined with continuous aviation involvement maintained dual expertise (12:51)Weekend flying commitment included teaching aerobatics at Bedford Airport's Executive Flyers AviationCompetition aerobatics involvement led to EAA board connections and industry networkingP-51 flying experience enhanced aviation credibility and public profileAOPA Leadership Vision & QualificationsUnique qualification combination merged deep aviation passion with Fortune 500 business leadership experience (12:51)200+ employee organization requires substantial business management capabilitiesPublic speaking requirements for member events, donor relations, political advocacy, airport community relationsAviation credibility essential for representing pilot community interests and understanding operational challengesAdvocacy experience needed for communicating aviation value to non-pilot stakeholdersCurrent aircraft ownership maintains grassroots GA connection through Sea Ray amphibious aircraft and RV-6 ownership (15:11)Recent flying examples: Priest Lake, Idaho seaplane fly-in participation, formation flying with friendsBackcountry flying engagement demonstrates continued hands-on small aircraft experienceCost-conscious operations understanding through Rotax-powered aircraft ownershipComprehensive Member Service PortfolioBase membership value proposition at $89 annually provides extensive pilot support services (20:40)Pilot Information Center staffing includes deep maintenance experts available for technical problem-solvingInternational flight planning assistance covers Canada, Bahamas, and worldwide destinations with step-by-step guidanceAircraft purchasing support through aviation finance group connections and escrow service coordinationDocumentation and process guidance for complex aviation procedures and regulatory compliancePilot Protective Services enhancement for additional $85 annually adds critical legal and medical advocacy (21:43)Medical packet review service ensures special issuance applications meet FAA requirements before submissionLegal representation availability for FAA enforcement actions, violations, or incident responsesSpecialized expertise access for navigating complex regulatory interactions and protecting pilot certificatesRisk mitigation approach prevents multi-month delays from incomplete FAA submissionsMedical Certification Support & Modern ChallengesGrowing mental health certification complexity requires specialized AOPA medical services guidance (30:28)Young pilot medication history increasingly common for anxiety, depression, ADHD treatments during teenage yearsHistorical automatic disqualification being replaced with thoughtful case-by-case evaluation by FAADocumentation requirements becoming more complex but achievable with proper preparation and advocacyDr. Susan Northrup leadership as Federal Air Surgeon working to reduce special issuance backlogsProcessing timeline improvements under current FAA medical leadership showing measurable progress (30:28)Six-month to one-year timelines still common for special issuance cases with complex medical historiesBacklog reduction efforts ongoing but substantial volumes still creating extended wait timesProfessional pilot impact demonstrated through airline pilot medical deferral experiences requiring months of career uncertaintyLegislative Advocacy & Infrastructure ProtectionAirport infrastructure comparison highlights US aviation system advantages over international counterparts (35:56)5,000 public use airports in US with only 500 having control towers enables widespread GA access3,500 airports with instrument approaches create weather-independent national transportation networkGermany comparison: only towered airports permitted instrument approaches, severely limiting utility aviationEuropean model limitations restrict general aviation to VFR-only operations at uncontrolled airportsATC privatization opposition based on international precedent analysis and stakeholder influence concerns (33:32)User fee implementation in privatized systems creates barriers to flight training, safety practices, and airport utilizationAirline influence concentration through deeper financial resources shapes privatized ATC board decisionsAirspace allocation shifts favor commercial operations over general aviation access and utilitySafety degradation risks from reduced flight training frequency due to per-operation fee structuresEducational Programs & Future Pilot DevelopmentHigh school aviation program expansion reaching 30,000 students across 1,500 schools nationwide (23:49)Four-year curriculum structure provided free to participating schools regardless of economic constraintsTeacher training programs enable non-pilot educators to deliver aviation content effectivelyCareer pathway diversification beyond traditional airline pilot focus to include corporate, firefighting, medevac, bush flying opportunitiesProfessional development support helps students understand aviation industry breadth and alternative career pathsPilot shortage solution approach emphasizes local flight school importance over centralized training facilities (38:19)Military pilot percentage decline requires civilian-trained pilot pipeline expansion for airline recruitmentLocal flight school network at thousands of airports provides distributed training capacityAirport closure threat directly impacts airline pilot production capability and national transportation infrastructureMember Engagement & Growth StrategyFlight instructor advocacy role critical for membership growth and student pilot introduction to AOPA services (45:41)Historical membership introduction pattern: CFIs recommended AOPA alongside essential equipment and educational materialsCurrent engagement decline among flight instructors requires renewed education about AOPA value propositionStudent pilot free membership for six months provides risk-free introduction to organization benefitsCareer-long value proposition extends beyond private pilot training through professional aviation transitionsPublic advocacy responsibility for aviation community members to educate non-pilot population about airport importance (47:55)Medical evacuation services utilizing local airports for emergency patient transportFirefighting operations depend on airport infrastructure for aerial suppression activitiesEconomic development impact through business aviation supporting local employment and commercePilot training pipeline at local airports directly feeds airline industry personnel requirements

Send us a textJacob Parnell grew up in Seattle and played the drums and bass in punk bands. His band, Aria Decline, opened for Dashboard Confessional, Something Corporate and Switchfoot. He decided to study theology at Pepperdine University and is now a pastor in Livermore, Calif. He started doing stand-up in 2018 and got serious about it after the pandemic. A father of five daughters and a husband, he's happy at the church, so every show feels like a bonus. Follow Jacob Parnell: Instagram: https://www.instagram.com/jacobparnellcomedy/YouTube: https://www.youtube.com/channel/UC6dbBZ8rpM0wviesqaA6aCgSupport the show

This week, Savannah and I sit down with Lisa Corti, owner of Butter & Batter Cookie Bar in Livermore. After 16 years in law enforcement, Lisa found healing and creativity in baking — turning it into a business that now serves her community in new and meaningful ways. We talk about her journey, the challenges and triumphs along the way, and how Butter & Batter has become both a passion and a platform for connection.

This week, I sit down with Holly and Eric Kung, the heart and soul behind Grounded Coffee in Livermore. We talk about what inspired them to open their shop, the magic of the “third space,” and how they measure the real impact of community. From sourcing local to giving back, Holly and Eric are proof that coffee can be a catalyst for connection.#eatlocal #drinklocal #livelocal

Will the Federal Reserve blink and cut rates now? Lance Roberts & Michael Lebowitz break down the latest inflation data, economic trends, and market signals that could force the Fed's hand and what it means for your portfolio. Lance previews today's PPI report, which could reveal tariff inflation producers are having to pay. More importantly will be any trend PPI numbers reveal. Markets continue to touch all time highs amid fundamental weaknesses. Following Wednesday's CPI number, is the Fed going to be forced to lower rates? Lance and Michael discuss pro's & con's and the "Sneaky" Inflation index; why PPI is a more accurate gauge of tariff inflation. Markets have already pried-in the next rate cut. Forward earnings expectations are very elevated...and deviated from economic realities. Michael Reviews the "UPS Barometer" of activity; only ten companies are driving market gains presently; the S&P 490 are struggling. What if Nvidia stumbles in next report? (This is NOT the end of the AI cycle.) Markets over-estimate growth; are rotating sectors more rapidly; how long will the rotations stick? Fundamentals matter more to small- and mid-cap companies, more susceptible to economic changes. WHat will the Fed be thinking following PPI, PCE, & Nvidia report next week? SEG-1a: PPI & Retail Sales Preview - Will Tariff Inflation Appear? SEG-1b: Sector Rotation Beginning to Appear SEG-2a: What Are the Odds of a 50 vs 25 Rate Cut? SEG-2b: The Shoe Price Index & "Sneaky" Inflation SEG-2c: Why PPI Data is Important Tell of Tariff Inflation SEG-2d: What Would Market Response Be to 1/2-pt. cut? SEG-2e: Earnings Growth is Being Driven By Only Ten Companies SEG-2f: What If Nvidia Stumbles? SEG-2g: Markets Are Richly Priced on a Narrative SEG-2h: How Long Will This Rotation Stick? SEG-2i: The Fundamental Realities of Small- & Mid-Caps SEG-2j: The SimpleVisor Thematic Portfolio Tools SEG-2k: Wait to Gauge the Fed Post-PPI, PCE, & Nvidia Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=D1vTkvEIUxg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Articles mentioned in this report: "The Index Isn't Always Accurate: Factors Influencing Yields" https://realinvestmentadvice.com/resources/blog/the-index-isnt-always-accurate-factors-influencing-yields/ "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Market Breadth Expands," is here: https://www.youtube.com/watch?v=2gfnyTW59w8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Portfolio Concentration: Hidden Risks That Can Sink Your Returns," https://www.youtube.com/watch?v=OJh3DN2dGg0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketBreadth #MarketRally #MarketWeakness #AllTimeHighs #SectorRotation #FederalReserve #RateCut #InterestRates #USEconomy #StockMarketNews #InvestingAdvice #Money #Investing

Many investors unknowingly take on portfolio concentration risk—placing too much money in one stock or sector. Lance Roberts & Danny Ratliff break down why concentrated stock portfolios can be dangerous, how lack of investment diversification can magnify losses, and what smart risk management investing looks like. Whether you're building long-term wealth or protecting what you've earned, understanding the hidden dangers of over-concentration is critical. We'll share practical tips to improve your stock diversification strategy, reduce downside risk, and strengthen your portfolio's resilience in volatile markets. SEG-1a: CPI Print Offers Hope for September Rate Cut SEG-1b: Small- & Mid-Cap Performance SEG-2a: Blood Tests & Caffeine SEG-2b: Market Capitalization Concentrations SEG-2c: Is there an Ideal Number of Stocks for a Portfolio? SEG-2d: What is the Goal? SEG-2e: Over-weighting or Under-weighting Positions SEG-2f: The Pain Trade SEG-2g: What Happens Next w Sector Rotation? SEG-2h: Portfolios Are Like NASCAR SEG-2i: What is Your Goal? SEG-2j: Investing Without a Plan is Like Throwing Darts in the Dark SEG-2k: Portfolio Construction for Returns & Taxes SEG-2l: YOLO vs Planning SEG-2m: Importance fo Risk Management Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=OJh3DN2dGg0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Market Internals Remain Weak," is here: https://www.youtube.com/watch?v=3v7e03zkoWs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Two Dads on Money - Meme Stock Trading & Jesse Livermore's Timeless Rules for Speculation," https://www.youtube.com/watch?v=ZVH-DHO81pk&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=2&t=2s------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketCorrection #MarketRally #MarketWeakness #AllTimeHighs #PortfolioRisk #Diversification #StockMarketTips #InvestingStrategy #WealthManagement #InvestingAdvice #Money #Investing

Meme stocks meet Jesse Livermore's timeless trading rules — Lance Roberts & Jonathan Penn discover how classic speculation strategies apply to today's market frenzy. Lance preview's today's CPI print and a Goldman Sachs report on who exactly is shouldering the increased costs of tariffs; a look at markets' up/down pattern, and weakness within; Lance and Jonathan discuss meme stocks, speculative risk, and what the Old Masters of investing had to say about it. Also commentary and guidance for younger investors and those who would like to begin investing: How to get the discipline started. SEG-1a: CPI Preview - It's Always .2% SEG-1b: Who's Footing the Bill for Tariffs? SEG-2a: Meme Stock Frenzy SEG-2b: Speculative Trading Index Examined SEG-2c: Two Old Dudes' Pudding & Protein Paks SEG-2d: The Risk of Speculative Trading SEG-2e: Benjamin Graham on Risk SEG-2f: Jesse Livermore on Market Dynamics & Risk SEG-2g: Ten Rules for Investing SEG-2h: Think Ahead SEG-2i: Needs vs Wants for Younger Generation SEG-2j: First Apartments, First Phones SEG-2k: Getting Started w Savings Plans SEG-2l: Time Flies SEG-2m: What Index Investing Teaches SEG-2n: It's a Different Game for 40-50-year olds Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=ZVH-DHO81pk&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=2&t=2s -------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Watch the Weakness in the Rally," is here: https://www.youtube.com/watch?v=R2kE4pk9IMA&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "US GDP Shows Cracks - Why You Should Pay Attention" https://www.youtube.com/watch?v=Fszx_pdp-sA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketCorrection #MarketRally #MarketWeakness #AllTimeHighs #NASDAQ #MemeStocks #StockMarketTrading #JesseLivermore #TradingStrategy #MarketSpeculation #JesseLivermore #BenjaminGraham #NeedsWants #SavingMoney #InvestingAdvice #Money #Investing

Adam and Zach discuss a recent piece outlining Sonoma County's contentious plan to created a Wine Improvement District to collectively market the appellation and its wineries. While similar efforts have been used to solid success in Temecula, Livermore, and Santa Barbara, this effort has been fraught, to say the least. Why is it that many wineries, which ostensibly would all benefit from increased marketing and visitation, don't want to get on board, and what does it have to do with the broader industry? Please remember to subscribe to, rate, and review VinePair on Apple Podcasts, Spotify, or wherever you get your episodes, and send any questions, comments, critiques, or suggestions to podcast@vinepair.com. Thanks for listening, and be well.Zach is drinking: 2011 Archery Summit "Arcos Vineyard" Pinot NoirAdam is drinking: De Sterlich Trebbiano d'AbruzzoInstagram: @adamteeter, @jcsciarrino, @zgeballe, @vinepair Hosted on Acast. See acast.com/privacy for more information.

August may be a seasonally-weaker month for markets, but for Summer Weather in Texas, it's hot! Lance shares weekend wedding events, and previews this week's economic data reports: Will inflation stoked by tariffs appear in the numbers? The only question that matters to investors his how the news will affect forward earnings estimates. There is now a 90% probability of a Fed rate cut by September; much will hinge on this week's CPI, PPI, and Retail Sales data. Lance reviews the similarities and differences between the Dot Com bubble and the AI boom. (Lance's ADD is triggered by a story on a TV monitor about adult pacifiers.) Revenues are key to economic growth, and employment is critical. Commentary on debts, deficits, and student loan defaults. Markets are sitting in a contraction zone: 80% of market is not growing. Global growth forecasts are dismal; debt is not the problem. Debts and deficits are a feature of the economy, not a bug. SEG-1a: August Weather & Weddings in Texas SEG-1b: CPI, PPI, & Retail Sales: Will Tariff Inflation Show Up? SEG-2a:The Only Question That Matters - How Does it Affect Earnings? SEG-2b: AI Today is a Lot Like 1999 SEG-2c: Adult Pacifier Distraction SEG-2d: Revenue is What Generates Earnings SEG-2e: Wage Growth Isn't Increasing SEG-2f: IMF Growth Projections SEG-2g: The Debt & Deficits Problem Isn't What You Think Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=Fszx_pdp-sA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Markets are Set Up for Correction" is here: https://www.youtube.com/watch?v=ajVPyWtMA9I&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What Would a 20% Social Security Reduction Mean for Your Retirement?" https://www.youtube.com/watch?v=2eRpXL4yYQI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=55s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketCorrection #MarketRally #AllTimeHighs #USDollar #Gold #USEconomy #EconomicGrowth #MarketOutlook #GDPTrends #RecessionRisk #InvestingAdvice #Money #Investing

James is holding Cigar Apocalypse in Livermore, IA at Smoldering Cigar so Tim has no choice but to find a replacement. Tim and Nick welcome first time guest host Jimmy who is not only a video reviewer for Simply Stogies but a lounge owner. Jimmy owns and operates The Drawing Room in Davenport, IA. Anyway, Tim, Nick, and Jimmy dive deeper into the discussion that Nick and James had on the last episode of Simply Stogies Podcast with Les Mann of ST Dupont Cigar Accessories. They talk about the different collabs that ST Dupont has done, Nick provides his guidance on getting into your first ST Dupont lighter, and the three wrap up the show throwing a few guesses as to who the big collaboration would be that would make Les think about having up his busy hat and enjoying some retirement time.

In this episode, we sit down with sibling duo Ali & Addison Westbrook, the passionate owners behind Best Budz Vintage — downtown Livermore's freshest new shop and a bold statement in sustainable style. More than just curating killer pieces from the ‘60s through the ‘90s, Aly and Addison are on a mission to fight fast fashion, raise awareness for conscious shopping, and create a collaborative hub for the community.We talk about the inspiration behind Best Budz, their love of all things retro, and what it means to step into the role of Livermore's newest downtown ambassadors. Tune in for fashion hot takes, sibling banter, and a fresh perspective on how style, sustainability, and small business can intersect beautifully.#eatlocal #drinklocal #livelocal@bestbudzvintage on InstagramOpen Thursday - Sunday in Downtown Livermore

Alameda is the second most populous county in the Bay Area, after Santa Clara. Oakland is the biggest city, but the county stretches all the way out to Livermore in the east and Fremont in the south. It's a big swath of land and about half of it is unincorporated, including two areas known as Cherryland and Ashland. Bay Curious listener Sam Hopkins wondered what it means for an area to be unincorporated and the history of these two communities. Additional Resources: 150,000 People Live in Unincorporated Alameda County. What Does That Mean For Them? Read the transcript for this episode Sign up for our newsletter Enter our Sierra Nevada Brewing Company monthly trivia contest Got a question you want answered? Ask! Your support makes KQED podcasts possible. You can show your love by going to https://kqed.org/donate/podcasts This story was reported by Brian Krans. Bay Curious is made by Katrina Schwartz, Gabriela Glueck and Christopher Beale. Additional support from Olivia Allen-Price, Jen Chien, Katie Sprenger, Maha Sanad, Ethan Toven-Lindsay and everyone on Team KQED.

"Mind Over Murder" podcast hosts Bill Thomas and Kristin Dilley discuss the mass kidnapping of 26 elementary school students and their bus driver in rural Chowchilla, California.  The crime, the largest mass kidnapping in United States history, shocked the nation in 1976. How did three rich kids plan and execute this heinous crime?  Why did their plans fall apart so quickly? What impact did the kidnapping have on the 26 survivors? Why were the three kidnappers ultimately paroled?  Thos bonus episode of "Mind Over Murder" originally ran on March 24, 2025."Chowchilla" Documentary on Max (highly recommended)https://www.max.com/movies/chowchilla/35e6ffd5-2cb1-4bd4-b2f3-62064f73a7a2WTKR News 3: One year after development in Colonial Parkway Murders, where do things stand?https://www.wtkr.com/news/in-the-community/historic-triangle/one-year-after-development-in-colonial-parkway-murders-where-do-things-standWon't you help the Mind Over Murder podcast increase our visibility and shine the spotlight on the "Colonial Parkway Murders" and other unsolved cases? Contribute any amount you can here:https://www.gofundme.com/f/mind-over-murder-podcast-expenses?utm_campaign=p_lico+share-sheet&utm_medium=copy_link&utm_source=customerWTVR CBS News:  Colonial Parkway murders victims' families keep hope cases will be solved:https://www.wtvr.com/news/local-news/colonial-parkway-murders-update-april-19-2024WAVY TV 10 News:  New questions raised in Colonial Parkway murders:https://www.wavy.com/news/local-news/new-questions-raised-in-colonial-parkway-murders/Alan Wade Wilmer, Sr. has been named as the killer of Robin Edwards and David Knobling in the Colonial Parkway Murders in September 1987, as well as the murderer of Teresa Howell in June 1989. He has also been linked to the April 1988 disappearance and likely murder of Keith Call and Cassandra Hailey, another pair in the Colonial Parkway Murders.13News Now investigates: A serial killer's DNA will not be entered into CODIS database:https://www.13newsnow.com/video/news/local/13news-now-investigates/291-e82a9e0b-38e3-4f95-982a-40e960a71e49WAVY TV 10 on the Colonial Parkway Murders Announcement with photos:https://www.wavy.com/news/crime/deceased-man-identified-as-suspect-in-decades-old-homicides/WTKR News 3https://www.wtkr.com/news/is-man-linked-to-one-of-the-colonial-parkway-murders-connected-to-the-other-casesVirginian Pilot: Who was Alan Wade Wilmer Sr.? Man suspected in two ‘Colonial Parkway' murders died alone in 2017https://www.pilotonline.com/2024/01/14/who-was-alan-wade-wilmer-sr-man-suspected-in-colonial-parkway-murders-died-alone-in-2017/Colonial Parkway Murders Facebook page with more than 18,000 followers: https://www.facebook.com/ColonialParkwayCaseYou can also participate in an in-depth discussion of the Colonial Parkway Murders here:https://earonsgsk.proboards.com/board/50/colonial-parkway-murdersMind Over Murder is proud to be a Spreaker Prime Podcaster:https://www.spreaker.comJoin the discussion on our Mind Over MurderColonial Parkway Murders website: https://colonialparkwaymurders.com Mind Over Murder Podcast website: https://mindovermurderpodcast.comPlease subscribe and rate us at your favorite podcast sites. Ratings and reviews are very important. Please share and tell your friends!We launch a new episode of "Mind Over Murder" every Monday morning, and a bonus episode every Thursday morning.Sponsors: Othram and DNAsolves.comContribute Your DNA to help solve cases: https://dnasolves.com/user/registerFollow "Mind Over Murder" on Twitter: https://twitter.com/MurderOverFollow Bill Thomas on Twitter: https://twitter.com/BillThomas56Follow "Colonial Parkway Murders" on Facebook: https://www.facebook.com/ColonialParkwayCase/Follow us on InstaGram:: https://www.instagram.com/colonialparkwaymurders/Check out the entire Crawlspace Media network at http://crawlspace-media.com/All rights reserved. Mind Over Murder, Copyright Bill Thomas and Kristin Dilley, Another Dog Productions/Absolute Zero ProductionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/mind-over-murder--4847179/support.

We're continuing our series called Make A Difference! It's all about leveraging what we have to make an eternal difference.This week, our friend Joe Jewell from Vintage Church in Livermore shares about the freedom that we have in Jesus.GET CONNECTED + PRAYERNew to EDEN? We'd love to pray for you, too! Let us know at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://eden.church/connect⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LEARN ABOUT EDEN CHURCHEDEN is a startup church in Silicon Valley. Learn more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://eden.church⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FIND US ON SOCIAL MEDIAFB:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/edenthechurch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠IG:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/edenthechurch/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GIVE TODAY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://eden.church/give⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jason and Chris get caught up on some much needed podcasting! Many topics are covered and several voicemails are played!A little bit of wine talk about some of Chris' favorite wineries in Livermore.  They include Page Mill and Bent Creek.  Both are fantastic locations and worth a visit if you …

John Paul Peters on Failed States and Victory Lap: 1:27-1:17:32 Jason Livermore on Potemkin City Limits, Today's Empires Tomorrow's Ashes, Supporting Caste, and more: 1:17:32-2:07:19 Ryan Greene on Less Talk More Rock and Today's Empires, Tomorrow's Ashes: 2:07:19-3:14:49 John Paul Peters on At Peace: 3:14:49-4:15:20 Chris Hannah on At Peace: 4:15:20-4:39:26 Jason Livermore on At Peace: 4:39:26-END

This week on the show we get some words of wisdom from ol' Pep Talk Kilmartin (@anylaurie16). Jackie (@jackiekashian) breaks down when you know a joke so well you can tune out and the mouth keeps talking. Sometimes the set cannot take a left, it cannot take a right, it just goes straight through the light. Subscribe to the podcast, and give it a 5-star rating and review to help the show move up the charts. Video for the episodes is on The Jackie and Laurie YouTube channel! Comic of the Week: Sam Nicoresti @samnicoresti Become a MaxFun Member for benefits and other great pods:https://href.li/?https://maximumfun.org/donate Join our Patreon: https://www.patreon.com/JackieandLaurie Watch the episodes and subscribe here: https://www.youtube.com/@Jackie_Kashian See Laurie on tour: https://lauriekilmartin.com/tour-dates See Jackie on tour: https://jackiekashian.com/tour-dates Watch 'Lauries special “Cis Woke Grief ”Slut on YouTube:https://bit.ly/3zWwgPA Watch Laurie's special “Cis Woke Grief ”Slut on Amazon Prime: https://amzn.to/3NpHlMo Watch 'Jackies special “Looking Back” on YouTube: https://www.youtube.com/watch?v=0ZfwWvgMT70 Follow Laurie on social media: @anylaurie16 Follow Jackie on social media: @jackiekashian Recorded and Produced by Kyle Clark : @kyleclarkisrad MaxFunDrive ends on March 28, 2025! Support our show now and get access to bonus content by becoming a member at maximumfun.org/join.

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

At Peace was released by Epitaph Records on May 2, 2025.  00:00-4:05: Introduction 4:05-1:05:15: John Paul Peters interview 1:05:36-1:29:17: Chris Hannah interview 1:29: 28-1:57:10 Jason Livermore interview 1:57:24-2:08:13: Todd Kowalski interview 2:08:27-END: Jord Samolesky interview