Podcasts about Liverpool

Ste is here with today's Redmen Bitesize podcast, discussing Florian Wirtz, Rayan Cherki, Milos Kerkez and a potentially positive update on Ibou Konate's contract situation.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

In a hybrid free show this week we look back at the Brighton game, who performed, who didn't and what it might mean for a few members of the squad before, in the second half of the show, transitioning into a Gutter Special to run the rule over the latest transfer rumours. John Gibbons is joined by Rob Gutmann, Beth Lindop and Ian Ryan. Also in the show Josh Sexton chats to John Davies and Matt Rutter about the return of 'Beating Burlusconi' at The Grand Central Hall, and John Gibbons is then joined by Mike Dean to talk about the upcoming 'Red Weekender' at the M&S arena. Download the Peloton app and check out the six Liverpool FC-themed classes and connect with Neil, John and other Reds by joining the LiverpoolFC tag... Subscribe to The Anfield Wrap for more on Liverpool FC Learn more about your ad choices. Visit podcastchoices.com/adchoices

Paul, Chris, Chloe and Dan are here for the Redmen Originals Podcast as Liverpool look to make moves in the transfer market whilst riding out the end of the league winning season!Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Dan is here to discuss all the latest Liverpool news as The Reds lose on the south coast and get rewewed hope in the race to sign Florian Wirtz. Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Greg was back live in Liverpool with the chance to win 2 tickets to Radio 1's Big Weekend with The Showdown! The team also discussed their upcoming footy match with Jack Saunders' New Music team. And Callum took on Yesterday's Quiz!

#LFC #LiverpoolFC #LiverpoolFootballClub 'To get the best discount off your NordVPN plan  - go to nordvpn.com/bloodred -  our link will also give you 4 extra months on the 2-year plan. There's no risk with Nord's 30 day money-back guarantee! The link is in the podcast episode description box' Join Joe Rimmer and Kiefer MacDonald for a Tuesday episode of the Blood Red Podcast as they look back to Liverpool's 3-2 defeat to Brighton as well as a head to Sunday's Premier League trophy lift.  Get Exclusive NordVPN deal at: nordvpn.com/bloodred - Try it risk-free with Nord's 30-day money-back guarantee! Get exclusive Liverpool FC podcasts and video content everyday right here.  Subscribe to the Blood Red Liverpool FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3OkL9iT Listen and subscribe to the Blood Red Podcast for all your latest Liverpool FC content via Apple and Spotify: APPLE: https://bit.ly/3HfBvKq SPOTIFY: https://bit.ly/3SdsjeH Join our Blood Red podcast group on Facebook: https://www.facebook.com/groups/1656599847979758/ Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/liverpool-fc Follow us on Twitter: https://twitter.com/LivEchoLFC Follow us on Facebook: https://www.facebook.com/LiverpoolEchoLFC Follow us on Instagram: https://www.instagram.com/bloodred_lfc Follow us on TikTok: https://www.tiktok.com/@bloodred_lfc Subscribe to us on Twitch: https://www.twitch.tv/bloodredliverpoolfc Download our Liverpool FC app for free: Apple - https://apps.apple.com/gb/app/lfc-echo/id1255495425 Android - https://play.google.com/store/apps/details?id=com.mirror.liverpoolfc Learn more about your ad choices. Visit megaphone.fm/adchoices

It starts with the fullbacks. It appears very likely that with Trent leaving, Liverpool will sign both Jeremie Frimpong and Milos Kerkez. Both good players at good prices, but neither can replace the ball progression and midfield creativity of Alexander-Arnold. So what else will need to happen to make this team competitive at the highest level?Support the show

With just one more Gameweek left for managers to achieve FPL glory, the lessons from this weekend are vital when making those final transfer moves

The Sam's open with Palace's historic FA Cup victory over Man City. Not to be outdone, it was the final men's match at Goodison Park for Everton, and Jamie Vardy went out in style and with two milestones. Chelsea, Villa, and Forest all get wins. While 8th-place Brighton still have a shot at Europe. The gin binge continues with Aviation Gin and Tonics with a fun twist… pineapple. Palace 1 - Man City 0 Everton 2 - Southampton 0 Leicester 2 - Ipswich 0 Villa 2 - Spurs 0 Chelsea 1 - Man U 0 Forest 2 - West Ham 1 Fulham 3 - Brentford 1 Arsenal 1 - Newcastle 0 Brighton 3 - Liverpool 2 www.Dufootballshow.com Facebook @DUfootballshow Instagram @DUfootballshow TikTok @DUfootballshow YouTube @DUfootballshow Support the show and get extra content: https://www.patreon.com/dufootballshow www.DUdripshack.com.

Liverpool are Premier League champions. Frimpong's on his way. And we're taking the piss out of ourselves while Arsenal fans try to take the shine off. In this week's TLC: - Brighton 3 Liverpool 2 – but who's arsed really? - “Bang Average Champions” – a class banner from our lot - Arsenal fans coping hard – imaginary trophies and mad narratives - Jeremie Frimpong – 22.6mph, 24 years old, deal basically done? - Wirtz talk, Kirkez movement, and the Slot system puzzle - Salah stats, Salah sitters, and his 300th PL game - Can Frimpong actually defend – and does it matter under Slot?You can support us financially to keep the show going in two ways, either: 1. By subscribing to our Patreon show for as little as £1 per week. Just click this link and the "Join For Free" button to get a 7 day free trial that you can cancel easily at any time after watching over 40 subscriber shows: https://www.patreon.com/TheLateChallengePodcast 2. If you don't want to subscribe, you can make a one off contribution to support the show by clicking this link: https://www.buymeacoffee.com/thelatechallenge We appreciate any support, no matter how big or small, and we also appreciate that times are tough for many people so if you can't afford to support the show financially we completely understand. If you'd like to help us in another way, please like our videos, subscribe to the YouTube channel and share the podcast with your friends and family.

James Pearce and Andy Jones are alongside Tony Evans to get stuck into Liverpool's latest title party down at Brighton.Despite the defeat, the panel assess what can be taken from the remaining games before we're joined by The Athletic's Bundesliga to talk Jeremie Frimpong ahead of him being announced as Liverpool's first signing of the summer window.The Reds' interest in Florian Wirtz is also discussed before looking ahead at what else could come this summer at Anfield.Host: Tony EvansWith: James Pearce, Andy Jones and Seb Stafford-BloorProducer: Guy Clarke Hosted on Acast. See acast.com/privacy for more information.

Con el Barcelona ya campeón de LaLiga, en Fuera de Juego se comienza a ver al futuro y la mesa discute si luego de lo hecho con el equipo catalán, Lamine Yamal es el máximo favorito para ganar el Balón de Oro y la conclusión es que esa etiqueta le pertenece, por ahora, al egipcio Mohamed Salah luego de lo que hizo con el Liverpool en la temporada que está por llegar a su fin. Por otro lado, al evaluar ya el recuento de los daños de la campaña, la mesa debate sobre los ciclos que llegaron a su fin, como el de Carlo Ancelotti en el Real Madrid, o los que parecen eternos, como el de Diego "Cholo" Simeone en el Atlético de Madrid o el de Pep Guardiola en el Manchester City y sobre este último, se expresan las razones por las que el español debe permanecer en su equipo, una de ellas, para reivindicarse tras el resultado de la actual temporada. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On Tuesday's Football Daily, Phil Egan brings you all the news from a big Monday of League of Ireland action.Damien Duff marvels at Drogheda's doggedness, as Kevin Doherty is frustrated not picking up all three points.Graham Burke feels like Rovers are improving, whilst Stephen Bradley is not getting carried away just yet.Liverpool boss Arne Slot says Mohammed Salah will be back amongst the goals despite Monday's miss.Brighton eye Europe as Manchester City prepare to say goodbye to club legend Kevin de Bruyne.And what is the latest scandal to hit Italian football?Become a member and subscribe at offtheball.com/join

Crystal Palace bikarmeistari í fyrsta sinn! Nottingham Forest eru ennþá í möguleika á meistaradeildar sæti. Brighton lögðu meistara Liverpool. Aston Villa með lífsnauðsynlegan sigur á Tottenham. Fulham með flottan útisigur á Brentford. Og Jaime Vardy kvaddi King Power með stæl! Declan Rice tryggði Arsenal í meistaradeildina með 1-0 sigri gegn Newcastle.

Con la emoción del fútbol europeo en ebullición y el rumor de las despedidas grandes, arranca una nueva edición de SER Deportivos, dirigida por Pacojó. En el aire, una mezcla de nostalgia y vértigo futbolero, en una semana que promete emociones fuertes.La noticia del día tiene nombre propio: Pepe Reina dice adiós. A sus 42 años y tras más de dos décadas bajo los palos, el eterno portero cuelga los guantes. Lo hace con una carrera jalonada de títulos, vestuarios míticos y una personalidad que marcó época. Desde el Liverpool al Nápoles, de la Selección Española campeona del mundo al vestuario del Villarreal, Reina se despide con la clase de quien sabe que ha dejado huella. Hoy, en el programa, recordamos su legado y lo que significó para varias generaciones de aficionados.Y si hay una ciudad que ya vibra al ritmo de las grandes citas, esa es Bilbao. La capital vizcaína se viste de gala para acoger la final de la UEFA Europa League. El estadio de San Mamés será testigo de una noche inolvidable entre el Tottenham y el Manchester United, y la previa ya late con fuerza. Análisis, ambiente y los focos puestos sobre los protagonistas de una final que quiere hacer historia.En el Real Madrid, el futuro se escribe con una pregunta: ¿seguirá Luka Modric una temporada más? Para responderla, conectamos con Nenad Bjelica, técnico y exjugador croata que conoce bien al centrocampista madridista. ¿Cómo ve su estado físico? ¿Qué papel podría tener el próximo año? Bjelica aporta una mirada cercana, serena y muy personal sobre una renovación que mantiene en vilo al madridismo.Como cada martes, se abre la línea directa con el arbitraje en #ItuQué, la sección en la que Iturralde González saca el silbato para analizar —con tino y algo de retranca— las jugadas más polémicas de la jornada.Y si el fútbol no se detiene en España, menos aún en el resto del mundo. En nuestra habitual vuelta internacional con Bruno Alemany, repasamos lo más destacado en las grandes ligas, desde la Serie A hasta la Premier, con especial atención a las competiciones continentales y los movimientos que ya anticipan el próximo mercado de fichajes.Cerramos el programa con la voz de un protagonista: Sergio Carmona. El jugador español (20 años) está disfrutando en Singapur de una nueva etapa de su vida. Así se despide esta edición de SER Deportivos, con el pulso firme sobre la actualidad y la mirada puesta en lo que viene. Con Pacojó al mando, el deporte se vive, se escucha… y se siente.

The FC crew reacts to Liverpool inching closer to signing Jeremie Frimpong and being linked to Florian Wirtz or Milos Kerkez. Then, Nedum Onuoha explains why he thinks Manchester City will squeak into the top 5 and the success of Eberechi Eze. Plus, Julien Laurens discusses the Serie A title race coming down to the last matchday.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

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.    

Chloe reacts from the Amex after Liverpool are defeated on their final away match of the season.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Arne Slot speaks to the media following Brighton v Liverpool in the Premier League.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Dan is here for your Fan Reactions show after Liverpool are defeated on their final away fixture of the season at Brighton, 3-2. TSupport this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Paul and Chris react to the breaking news from Ben Jacobs that Jeremie Frimpong has passed his Liverpool medical ahead of a £30 million move from Bayer Leverkusen to replace the outgoing Trent Alexander-Arnold.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Paul reacts from Redmen HQ following Liverpool's late defeat to Brighton.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

The search is on! Radio 1's very own traitor Minah Shannon is hiding away somewhere in the city of Liverpool with the last few tickets to Big Weekend - but it's not as simple as it sounds! Plus, Laura plays Yesterday's Quiz, there's a celebratory vibe in All The Latest Things and Greg has a Liverpudlian flashback moment with his old pal Grimmy!

Christian Polanco and Alexis Guerreros react to Crystal Palace winning their first ever trophy alongside Bologna & Newcastle, ending trophy droughts. Has Financial Fair Play leveled the field and fixed soccer?Christian and Alexis break down the drama surrounding LAFC's Mark Delgado receiving last season's MLS Championship ring and why MLS teams shouldn't make trades with their rivals.Later, Christian and Alexis bring back Rápido Reactions and react to the latest transfer news and rumors across Europe.(9:30) - Have Financial Fair Play rules fixed soccer?(28:00) - Should MLS teams do business with rivals?(46:30) - Rápido Reactions: Florian Wirtz, Xavi Simons, Viktor Gyokeres & more  Subscribe to The Cooligans on your favorite podcast app:

Our "game show" of 5 Favorites is fun because there are no wrong answers! Just favorites! So Markus and Ray dug into one of the deepest topics in this area, The Beatles. Their songs are beyond legendary, and they produced a very deep catalog of great songs. So, trying to figure out their 5 Favorites might seem impossible when it comes to those lads from Liverpool. Yet they dive right in! Email us your 5 Fave Fab Songs at: imbalancedhistory@gmail.com! ⁠All of our episodes, and more can be found on our web site⁠, mark it, please! Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Cyrus Says, the hilarious Kumar Varun joins Cyrus for a wild ride through comedy, football fandom, unexpected royalty news, and revolutionary ancestry. From writing jokes, to AIB, to acting & to watching Liverpool live with Rahul Subramanian, KV shares it all—including run-ins with Jurgen Klopp, Mac Allister, and Virgil van Dijk! But just as the football fever peaked, The Queen passed away, throwing their trip off-track (seriously).See omnystudio.com/listener for privacy information.

Arne Slot reflects on Liverpool's 3-2 defeat to Brighton in their final away fixture of the season. In this episode of The Reaction, we also hear from former Reds Phil Thompson, Ray Houghton and Jason McAteer, as well as our fan panel: Carl Woodward, Kathleen Pasqualini and Sam Millne.

Gary Neville and Jamie Carragher join Dave Jones for the final Monday Night Football of the season, and the duo analyse Brighton's 3-2 comeback win against the newly crowned champions Liverpool at the American Express Stadium. The win boosts the Seagulls' hopes of securing European football next season, whilst the visitors' winless run since winning the league continues.In the final part, Neville and Carra pick their Monday Night Football season awards and revisit the predictions they made at the beginning of the campaign.

#LFC #Transfers #LFC The lads chat Frimpong, Kerkez, Wirtz, Slot on Holiday, Evertons Red Flares and more, Its The Sunday Night Kop!! Get Our Nord VPN Offer here - https://nordvpn.com/kop  JOIN OUR PATREON - patreon.com/TalkinKopPodcast Subscribe, Like, Hit the bell icon and never miss another show! ** All views on the show are those of the individual and do not represent those of the Talkin' Kop ** lfc fan channel - liverpool fan channel - liverpool fc - lfc - lfc fan reaction - liverpool fan tv - lfc fan tv - lfc fan media - liverpool match reaction - lfc live chat - liverpool live chat - anfield reaction - liverpool live podcast - lfc live podcast - liverpool news - lfc news - liverpool free content - lfc live shows - liverpool analysis - lfc matchday - liverpool matchday - liverpool transfer news - liverpool transfer updates - lfc transfer news - liverpool live - liverpool podcast Training in the Fire by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://www.twinmusicom.org/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Abi Whistance (The Liverpool Post) wrote a four-part investigation exposing a Liverpool housing charity which left its residents in dire conditions, yet funnelled millions of pounds into a complicated web of private firms linked to the charity's owner. For six days Page 94 is covering the extraordinary stories of the investigative journalists shortlisted for this year's Paul Foot Award, before the winner's announcement on Tuesday. 

Following the news that former US President Joe Biden has been diagnosed with prostate cancer listeners share their stories of dealing with the disease. Tom and Harry Fleming from Castlerea, Co. Roscommon are off to see Brighton v Liverpool in the Premier League at the Amex tonight as Harry is the official Liverpool mascot.

There was a game tonight and we have to talk about it, but not for long! There's lots going on at the moment including new signings being in the works as well as the continuing Trent saga. TLW Editor Dave Usher and Ian Brown briefly go over the events at the Amex Stadium tonight, before getting stuck into everything else that's going on. Transfer comings and potential goings, potential tactical changes for next season as well as "the Summer of 66".

Conversamos En Perspectiva con Sebastián Moreira, del equipo de Por Decir Algo.

Stay close to "WakeUpCall" on Facebook, X, & Instagram! Listen LIVE to "Wake Up Call with Dan Tortora" MON through FRI, 9-11amET on wakeupcalldt.podbean.com & on the homepage of WakeUpCallDT.com from ANY Device inside the Great Lakes Honda City Studios (7140 Henry Clay Blvd, Liverpool, NY)! You can also Watch LIVE MON through FRI, 9-11amET on youtube.com/wakeupcalldt, facebook.com/wakeupcalldt, & facebook.com/LiveNowDT. This special is Proudly Presented by: Carvel DeWitt Great Lakes Honda City The Wildcat Sports Pub Ma & Pa's Kettle Corn & Popcorn Factory Brian's Landing Servomation Refreshments, Inc. Brooklyn Pickle Pinehurst NC Le Moyne College Bryant & Stratton Syracuse Binghamton University Pizza Man Pub K-9 Kamp Dog Daycare Avicolli's Restaurant Mother's Cupboard Chick-fil-A Cicero

Tickets, merch and loads more available on our website! haveawordpod.comTickets for Have A Word Live shows as well as Adam and Dan's tours and previews:Adam's Tour: https://www.adamrowe.comDan's Tour: https://dannightingale.comComedian's Club Chester: https://www.comediansclubchester.comDan & Finn's September Karaoke Party: https://www.skiddle.com/e/40966945Listen to Finn's new single 'Remedy': https://FinnlayK.lnk.to/RemedyAs Adam and Dan said, don't miss out on all of our extra content, we've got one of the best value Patreons in the game. An extra 90+ minute episode every week plus loads of bonus content such as the now infamous Lockdown Lock-ins, the Nashville & Amsterdam specials and our Ghost Hunts! What are you waiting for? Sign up now at https://patreon.com/haveawordpod​Get subscribed to Have A Word Highlights: https://youtube.com/haveawordhighlightsCheck out Finn's single 'Outskirts': https://FinnlayK.lnk.to/OutskirtsThanks to this week's sponsors:Lovehoney | https://lovehoney.co/word_podcastLove how you love and take 20% off site wide to unlock sexual happiness and discover a happier you with promo code: AFF-WORD20Manscaped | https://manscaped.com20% off with promo code: WORD20Manual | https://manual.coGet 45% discount on the initial at-home testosterone blood test kit with code: WORD45Huel | https://huel.com/haveawordpodGet Huel today with this exclusive offer of 10% OFF + a FREE Gift at huel.com/haveawordpod with code: haveawordpodMerch:https://haveawordpod.comADAM ROWE and DAN NIGHTINGALE are two award winning comedians from Liverpool & Preston, respectively. They are two of the UK's most highly regarded stand-ups and have both performed all over the world. Hosted on Acast. See acast.com/privacy for more information.

Remember When is a show that brings together football fans from across the UK to talk about the seismic moments that shaped their club's history - and had a massive impact on their own lives too. Rather than being about tribal division or comparing between the haves versus the have-nots, it's about the stories, the memories and the moments that unite us as football fans - whoever we support. This time, Remember When looks back at two of the most memorable FA Cup triumphs in English football history. Wimbledon and Portsmouth have suffered more than their fair share of hardship over the years, with trophy cabinets smaller than plenty of their Football League counterparts. But both clubs and their fans share an increasingly rare privilege: they won the FA Cup against the odds. Broadcaster Rick Edwards is joined by two guests who were right at the heart of the action. Marc Jones fell in love with Wimbledon after an inadvertent trip to Plough Lane in the 1980s and followed their ragtag bunch of cult heroes to the 1988 FA Cup final, where the Crazy Gang ended the day on that hallowed top Wembley step after beating a brilliant Liverpool team. Jeff Harris made a similar pilgrimage twenty years later, when his beloved Portsmouth scratched and clawed their way to the final of the 2008 FA Cup. He'd recently returned from working overseas for the British Army and watched Kanu and company complete their own journey to greatness at the new Wembley. Marc and Jeff share their hilarious and often heartfelt memories of seeing their local clubs reach footballing immortality. From that snowballing belief as their clubs marched through the rounds at the expense of numerous top-flight counterparts, to organising double-decker buses and flights back from military bases to make sure they joined friends and family at Wembley. They also remember the aftermath, as Jeff bolted back down to Portsmouth and joined in celebrations across the city while Marc caught sight of Wimbledon manager Bobby Gould bringing the trophy back to Plough Lane at the front of the team coach. They also touch on how these victories marked important moments in their own young lives, with football acting as the catalyst for moments of joy, melancholy and belonging. Remember When is a celebration of what football's all about: moments etched into history for the fans and players of two clubs who might never experience it again. This is Remember When… We Actually Won Something.

Fabrizio Romano has just confirmed that Liverpool have told Leverkusen that they will be triggering Frimpong's release clause!!!Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Dan spoke to former Celtic defender Christopher Jullien to get the teammate's perspective on heavily linked Liverpool target Jeremie Frimpong. Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Rog is joined by a triple threat of guests for this episode: Crystal Palace manager Oliver Glasner talks about the FA Cup Final match vs. Manchester City, turning the club around and his journey through football. Then, Rog speaks with Liverpool captain Virgil van Dijk fresh off winning the Premier League title at Anfield, plus Virgil gives us his opinions on the guard of honor tradition, what he has to say to the critics of Liverpool this season, and how this title win differs from his first with Liverpool back in 2020. Finally, Leicester City star Jamie Vardy, returns to reflect on his incredible career and answer some listener questions! Listen to find out why he blew the ref's whistle during the Southampton match, which Premier League defender was the hardest to play against.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dan is here with the latest Liverpool news as The Reds reportedly move closer to a first transfer of the summer window. Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Ste and Sam are here for the match build up to Liverpool's next Premier League fixture away at Brighton on Monday night!Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Arne Slot speaks to the media as Liverpool prepare to travel to Brighton in the Premier League.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

#LFC #LiverpoolFC #LiverpoolFootballClub 'To get the best discount off your NordVPN plan  - go to nordvpn.com/bloodred -  our link will also give you 4 extra months on the 2-year plan. There's no risk with Nord's 30 day money-back guarantee! The link is in the podcast episode description box' Join Joe Rimmer, Paul Gorst and Ian Doyle for the Friday edition of the Blood Red podcast as they look at Liverpool's recent transfer news and preview Monday's trip to Brighton.  Get Exclusive NordVPN deal at: nordvpn.com/bloodred - Try it risk-free with Nord's 30-day money-back guarantee! Get exclusive Liverpool FC podcasts and video content everyday right here.  Subscribe to the Blood Red Liverpool FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3OkL9iT Listen and subscribe to the Blood Red Podcast for all your latest Liverpool FC content via Apple and Spotify: APPLE: https://bit.ly/3HfBvKq SPOTIFY: https://bit.ly/3SdsjeH Join our Blood Red podcast group on Facebook: https://www.facebook.com/groups/1656599847979758/ Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/liverpool-fc Follow us on Twitter: https://twitter.com/LivEchoLFC Follow us on Facebook: https://www.facebook.com/LiverpoolEchoLFC Follow us on Instagram: https://www.instagram.com/bloodred_lfc Follow us on TikTok: https://www.tiktok.com/@bloodred_lfc Subscribe to us on Twitch: https://www.twitch.tv/bloodredliverpoolfc Download our Liverpool FC app for free: Apple - https://apps.apple.com/gb/app/lfc-echo/id1255495425 Android - https://play.google.com/store/apps/details?id=com.mirror.liverpoolfc Learn more about your ad choices. Visit megaphone.fm/adchoices

Recorded way back in 2021, Kevin Day joins Dotun Adebayo and Tim Vickery to recount his memories of Crystal Palace famous FA Cup Semi Final win over Liverpool in 1990.WATCH THIS EPISODE ON YOUTUBE NOW: https://youtu.be/zBORiaJJfDUFOLLOW THE BRAZILIAN SHIRT NAME ON INSTAGRAM:https://www.instagram.com/brazilshirtpod/FOLLOW THE BRAZILIAN SHIRT NAME ON FACEBOOK:https://www.facebook.com/BrazilShirtPodFOLLOW THE BRAZILIAN SHIRT NAME ON TWITTER:https://twitter.com/BrazilShirtPodPURCHASE DOTUN'S LATEST BOOK, EFFRIES HERE:https://amzn.to/4cM260f

This episode, the chaos begins with names—Jim Sarbh explains the minimal effort behind his naming, while Amit Sadh reveals how his was the first thing that must’ve popped into his parents' heads. From there, it’s a deep dive into their backgrounds—Jim’s posh Mumbai schooling and expat education, and Amit’s roots in Lucknow and a couple other places, his dad’s sports legacy, and a shared alma mater with Cyrus. The trio bond over their football allegiances (Liverpool, Man Utd, Arsenal—civil war!), working on Pune Highway with Rahul and Bugs, and a surprising amount of love for biking, animals, and awkward film screenings. We also get stories from their first films (Kai Po Che, Neerja), biking as therapy, illegal rallies, acting school camaraderie, and one wildly specific joke comparing Cyrus to a Cyprus tree. It's raw, real, and very Cyrus Says.See omnystudio.com/listener for privacy information.

Gary Neville sits down to chat exclusively with Liverpool forward Mo Salah about his stunning season which has helped guide Liverpool to the Premier League title.They discuss the impact Arne Slot had on Salah, and about the Egyptian's personal goals and targets.Plus, listen out for Salah's thoughts on his contract talks with Liverpool and on the reaction to Trent Alexander-Arnold's departure from Anfield.The Gary Neville Podcast is a Sky Sports podcast. Listen to every episode here: skysports.com/the-gary-neville-podcastYou can listen to The Gary Neville Podcast on your smart speaker by saying "ask Global Player to play The Gary Neville Podcast".Watch every episode of The Gary Neville Podcast on YouTube here: The Gary Neville Podcast on YouTubeFor all the latest Premier League news, head to skysports.com/premier-leagueFor advertising opportunities email: skysportspodcasts@sky.uk

The FC crew react to Barcelona's 2-0 victory over Espanyol which saw Hansi Flick's side crowned champions of Spain. The guys break down how the club was able to overcome financial difficulties to win the league and argue that Lamine Yamal deserves to win the Ballon d'Or this season. Plus, the guys break down how Jeremie Frimpong would fit in at Liverpool. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dan spoke to Chief Sports Writer and Broadcaster for BBC Scotland, Tom English (@TEnglishSport), to get the Celtic perspective on heavily linked Liverpool target Jeremie Frimpong.Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Pajak is here with the exciting news that Liverpool are genuinely interested in Leverkusen's no.10 Florian Wirtz. Wirtz has made a name for himself with some incredible displays over the last two years and helped Xabi Alonso guide his team to an unbeaten German double of the Bundesliga and the DFB-Pokal Cup last season - the first time in German football history that this feat has been achieved. Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.

Chris and Dan are here with the latest breaking news as Paul Joyce reports that Liverpool are set to trigger the £30Million release clause for Leverkusen right-back Jeremie Frimpong!Support this show http://supporter.acast.com/redmentv. Hosted on Acast. See acast.com/privacy for more information.