Podcasts about Lower

#667: Home prices have outpaced wages for more than a decade, and first-time buyers are stretching further every year. Now a new idea is entering the conversation, the 50-year mortgage. It promises lower monthly payments, yet it reshapes everything from equity growth to long-term risk. In this episode we sit down with Karsten Jeske, PhD, CFA from Early Retirement Now, a former Federal Reserve economist known for forensic financial modeling. Together we walk through when a 50-year mortgage might make sense, when it clearly does not, and why the math is rarely as simple as “higher payment versus lower payment.” We also dig into how ultra-long mortgages could push home prices even higher, and what this means for today's buyers and tomorrow's retirees. If you've wondered whether extended loan terms offer real affordability or just disguise the cost, this conversation gives you a clearer lens. Key Takeaways Why stretching to a 50-year mortgage can look affordable on paper yet leave you with far slower equity growth in the years that matter most. The few cases where a longer mortgage term can support a deliberate strategy, such as freeing cash flow to invest, and why this only works for certain borrowers. How inflation, appreciation, and opportunity cost change the “true” math behind 30-year versus 50-year loans. Why ultra-long mortgages may raise home prices more than they help buyers and what this means for generational wealth. How late-life mortgage decisions, downsizing, and step-up in basis reshape your legacy far more than the length of the loan itself. Resources and Links Early Retirement Now blog, Karsten's research and mortgage modeling. Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) 50-year mortgage debate begins (02:52) Karsten says it expands options for sophisticated investors (05:42) Paula focuses on owner-occupants who can't afford houses (11:03) Equity difference: $80K vs $20K after 10 years (18:26) Lower payments could fund other investments (25:17) Lenders package mortgages for institutional investors (29:18) US doesn't issue 100-year bonds despite stability (34:00) Small term premiums create huge returns (43:31) Paying more interest isn't automatically bad (48:08) First-time buyers now average age 40 (56:08) Geographic arbitrage enables mortgage payoff (01:00:20) 50-year mortgages could inflate home prices (01:04:51) Supply constraints drive housing affordability crisis (01:07:29) Fed might pause rate cuts in December Learn more about your ad choices. Visit podcastchoices.com/adchoices

Happy First Friday Edition of the Program!! College Football is in such a weird spot. Notre Dame and Marcus Freeman. The Buckeyes move the needle. Ohio State Hoops lossed a tough one to Illinois. The CBJ might not be what we thought they were. We fill out our CFP brackets and give you our thoughts on the College Football hires. ESPN's Jake Trotter, Rich Scarcella of the Reading Eagle, What's Up, Higher or Lower, Thing or Not a Thing, #HeyGuys, Your Officially Endorsed and 3 Things

In this episode of the Dental Boardroom Podcast, host Wes Read, CPA and financial advisor at Practice CFO, is joined by Brandon Hobson and Paul for their quarterly deep dive into the stock market, global economy, and what dentists and practice owners should prepare for as 2026 approaches.The episode covers:The Federal Reserve's rate movements and expected leadership changeWhether the current AI wave is a bubble or a true productivity revolutionThe future relevance of the traditional 60/40 investment strategyHow economic shifts impact dentists' borrowing, practice finances, and patient spendingPractice CFO's investment outlook and positioning for 2026A must-listen for dental entrepreneurs and investors navigating today's unpredictable financial landscape.Key Topics & Takeaways1. Federal Reserve Update & Interest RatesCurrent Fed Funds Rate: 3.75%–4%, with another 0.25% cut expected soon.Kevin Hassett is the likely replacement for Jerome Powell in 2026 potentially a more politically influenced choice.Concerns about Fed independence rising due to political pressure.Rate cuts stimulate borrowing but risk inflation if overdone.Importance for dentists:Affects practice loans, buildouts, refinancing, and equipment financing.Impacts patient discretionary spending, especially in cosmetic dentistry.2. Stagflation Risk?Inflation appears stable around the mid-2% range.Unemployment creeping toward 4%.Risk emerges if inflation rises while unemployment increases = “stagflation.”Not yet alarming, but the rate of change is what matters.3. GDP & Economic StrengthU.S. GDP last reading (Q2): 3.8%, stronger than expected.Global GDP remains surprisingly strong despite trade tensions.Q3 & Q4 readings delayed due to government shutdown but expected to stay positive.4. AI: Bubble or Breakthrough?Big tech's AI infrastructure spend expected to hit $3 trillion by 2028.53% of investors believe we are in an AI bubble.OpenAI & NVIDIA valuations are 30–40× revenue, compared to Walmart at 1.3×.MIT study: 95% of companies currently see no ROI from AI.Major concerns:Revenue lag vs. massive AI investmentCircular funding structures (promising investments without cash to fulfill them)Big tech taking on debt to fund AI (Meta's off-balance-sheet financing)Parallel drawn to the dot-com era huge innovation + huge speculative hype.5. What About the Magnificent Seven?High valuations and interconnected dependence create contagion risk.NVIDIA's unusually high profit margins may attract new competition.Some tech (like Google, Meta) still offers strong fundamentals & cash flow.But investors should avoid blindly overweighting tech indexes.6. Is the Classic 60/40 Portfolio Back?After years of underperformance, value stocks and quality companies are regaining momentum.PracticeCFO's positioning:Lower tech exposure (15–18% vs. S&P 35–40%)Higher weight in value, quality, and cash-flow-focused companies20–40% international stocks for diversificationAI benefits will extend to all sectors consumer staples may monetize AI faster and cheaper than...

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Today we're breaking one of the most painful spirals: the moments you fall short, lose patience, shut down, or react in ways you regret — and suddenly your brain whispers, "You're failing." Modern culture gives women two unhelpful responses: 1️⃣ Over-sympathy culture — "Lower your standards," "Be gentle," "Just accept yourself." 2️⃣ Shame culture — "Good mothers never snap," "You ruined everything," "This is abuse." Both extremes keep you stuck. One says nothing is your responsibility. The other says everything is your fault. There is a third way. Today we'll learn how to use guilt as guidance, not punishment — a built-in compass that brings you back to your values, your leadership, and the mother and woman you actually want to be. Inside the session: • The two cultural traps keeping women stuck • How shame sabotages growth • How guilt can act like a GPS pulling you back on track • How to come back from a mistake with clarity and strength • How to repair, reset, and realign — without perfection

Plus: Warner Bros. Discovery and Paramount Global shares rose after Paramount's hostile takeover bid, while Netflix stock fell. And shares of Confluent surged after IBM announced plans to buy the data-infrastructure company. Danny Lewis hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Anthony wants to talk about the 5 biggest (but fixable) reasons you can not shed weight. A BIG shoutout to our incredible sponsors - ⁠⁠⁠⁠⁠⁠⁠⁠Parlee Cycles ⁠⁠⁠⁠⁠⁠⁠⁠"Whether it's a tough day, a gruelling training session, an epic road trip or sitting on the side of the road, exhausted and wondering how you'll get to the top... The answer is regularly to just get back in the saddle and ride. Ride The F...ing Bike. RTFB!"Go check out their amazing bikes at https://www.parleecycles.com/⁠⁠⁠⁠⁠⁠⁠⁠4Endurance⁠⁠⁠⁠⁠⁠⁠⁠ Pro level fuel, made accessible. Myself and Sarah trust 4Endurance for all our fuelling needs. Their reange is HUGE and won't break the bank. Go check them out here https://4endurance.com/⁠⁠⁠⁠⁠⁠WAHOO ⁠⁠⁠⁠⁠⁠Wahoo has been at the forefront of elevating indoor training for years. They have everything in the range that you could possibly need to create a "pain cave" that makes you want to get those indoor sessions done. Go check out the Wahoo KICKR BIKE PRO and all their range at https://eu.wahoofitness.com/NOMIO is clinically proven to:Lower lactate levels, Reduce oxidative stress, Improve training adaptations And deliver a noticeable boost from the very first dose. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.drinknomio.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and check out this game changing supplement. EXPOSURE LIGHTS Level up your night rides—check out the updated Exposure Lights bar range today at www.exposurelights.com If you're in North America and run a shop, pre-orders are open now; everyone else, hit your local bike store or Exposure online and tell them Roadman sent you.

00:00 - 04:30 - Introduction, recent events04:30 - 08:10 - Wrestling and jiu jitsu discussions08:10 - 10:20 - IBJFF10:20 - 18:28 - Lower back pain, rehab and jiu jitsu matches 18:28 - 20:30 - Steroids 20:30 - 27:00 - Winning in the streets27:00 - 28:30 - Protein shakes and the titanic 28:30 - 32:24 - Cardio and jiu jitsu Less Impressed More Involved: https://outlierdb.com/ - use code RUNESCAPE for 50% off your first monthHow to work with us:Charles Strength Training Programs GET 7 DAY FREE MAT STRONG PROGRAM: https://mailchi.mp/charlesallanprice/mat-strong-landing-page BJJ Workouts Instructional: https://bjjfanatics.com/collections/new-releases/products/building-workouts-for-bjj-by-charles-allan-price 1:1 Coaching Inquiries: https://7kdbbkmkmsl.typeform.com/to/nSZHpCOL Eoghan's InstructionalsEoghans Patreon: https://www.patreon.com/eoghanoflanagansubmissiongrappling?fbclid=PAZXh0bgNhZW0CMTEAAaeVwoFHqyoZbzOnBQj1A_HdJuseIdZ5JeBDv2WviMJErMprNx8nBaRtazKB8A_aem_hDebDKTGIEpirScyGQEG0w Leg Lock Instructional: https://bjjfanatics.com/products/leglocks-the-uk-variant-by-eoghan-oflanagan Half Butterfly Instructional: https://bjjfanatics.com/products/down-right-sloppy-half-butterfly-by-eoghan-oflanagan Countering the outside passer: https://bjjfanatics.com/products/sloppy-seconds-countering-the-outside-passer-by-eoghan-o-flanagan Hosted on Acast. See acast.com/privacy for more information.

In Hour 4, Willard and Dibs continue to discuss what's wrong with Brandin Podziemski and Jonathan Kuminga, run through a Warriors vs. Cavaliers edition of Higher or Lower, and more.

Willard and Dibs' full show from Friday, December 5th. In Hour 1, Willard and Dibs react to last night's Warriors loss to the 76ers despite one hell of a comeback, share why there's no moral victories for this season, discuss Pat Spencer's play, break down what's going on with Brandin Podziemski and Jonathan Kuminga, and more. In Hour 2, Willard and Dibs debate if Pat Spencer is a legitimate rotation piece for the Warriors, take calls from Warriors fans on Spencer, and more. In Hour 3, Willard and Dibs discuss all of the Warriors' issues, chat with Tim Kawakami about Pat Spencer, Jonathan Kuminga, and Brandin Podizemski, and more. In Hour 4, Willard and Dibs continue to discuss what's wrong with Brandin Podziemski and Jonathan Kuminga, run through a Warriors vs. Cavaliers edition of Higher or Lower, and more.

How do you make an educated, intelligent, experienced politician or journalist sound like an idiot? Ask their opinion about something Donald Trump did or said. This week exposed yet again how smart people say really silly things because of their obsession with Pete Hegseth, Donald Trump and any hint of a scandal that could take them down. As usual, we were taken to the heights of pleasure with talk of clear war crimes, but then left unsatisfied with a pivot back to signal gate. There is a one word answer to get us off this crazy train and I did not have to work in Washington D.C. or go to an Ivy League school to come up with it.FOLLOW ON APPLE PODCAST AND SPOTIFY

Discover why inflation is lower than expected. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

The guys discuss whether their confidence level in the Lions is above or below the 53% chance they have to make the playoffs.

Anthony sits down with Tom Rodi, Parlee's longtime product manager and resident bike geek, who's been shaping the company's direction since the early 2000s. Tom dives into the tech behind frames like the Z-Zero and RZ7—proprietary tube-joining methods, advanced aero shaping, internal cable routing, and disc-brake integration designed to deliver real-world speed, comfort, and precision handling.A BIG shoutout to our incredible sponsors - ⁠⁠⁠⁠⁠⁠⁠Parlee Cycles ⁠⁠⁠⁠⁠⁠⁠"Whether it's a tough day, a gruelling training session, an epic road trip or sitting on the side of the road, exhausted and wondering how you'll get to the top... The answer is regularly to just get back in the saddle and ride. Ride The F...ing Bike. RTFB!"Go check out their amazing bikes at https://www.parleecycles.com/⁠⁠⁠⁠⁠⁠⁠4Endurance⁠⁠⁠⁠⁠⁠⁠ Pro level fuel, made accessible. Myself and Sarah trust 4Endurance for all our fuelling needs. Their reange is HUGE and won't break the bank. Go check them out here https://4endurance.com/⁠⁠⁠⁠⁠WAHOO ⁠⁠⁠⁠⁠Wahoo has been at the forefront of elevating indoor training for years. They have everything in the range that you could possibly need to create a "pain cave" that makes you want to get those indoor sessions done. Go check out the Wahoo KICKR BIKE PRO and all their range at https://eu.wahoofitness.com/NOMIO is clinically proven to:Lower lactate levels, Reduce oxidative stress, Improve training adaptations And deliver a noticeable boost from the very first dose. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.drinknomio.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and check out this game changing supplement. EXPOSURE LIGHTS Level up your night rides—check out the updated Exposure Lights bar range today at www.exposurelights.com If you're in North America and run a shop, pre-orders are open now; everyone else, hit your local bike store or Exposure online and tell them Roadman sent you.

Greg Bishop reviews the status of several challenges to Illinois' gun and magazine ban, including the U.S. Supreme Court taking a case challenging Cook County's ban into conference Friday. A decision whether they'll take the case could be released Monday. This as the case where a district court found the state's law unconstitutional remains pending in an appeals court, and a case challenging Naperville's ban remains in a district court. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Despite more than two years of intense negotiations, the Veterans Day deadline to agree on the allotment of reduced water supplies under the Colorado River Compact passed without a consensus. If the seven states divided into the upper and lower basins of the river cannot put forward a joint proposal by February 14, the federal government will institute its own plan—which will likely result in appeals to the Supreme Court.  Since the first federal shortage declaration in 2021, Arizona has volunteered to accept the largest cuts in shares of Colorado River water. Given that a third of its overall water demand has relied on the river's supply, leaders in the state are anxious to conclude the current negotiations so that their long-term planning for alternatives can proceed.  The Central Arizona Project (CAP) is a 330-mile manmade canal built to transport Arizona's portion of Colorado River water across the state. Approved for federal funding by President Lyndon Johnson in 1968, CAP is an outstanding example of the infrastructural might that has often been required for cities in the Ten Across region to thrive. The urban boom that began in Phoenix and Tucson in the 1980s and 90s would not have been possible without CAP water.  In this episode Duke Reiter and Terry Goddard, CAP Board president and former Phoenix mayor, discuss how the state has weathered uncertainties surrounding growth and water security in the past, and how leaders need to step up to meet the present moment...and the future.  Relevant Articles and Resources  “Former Phoenix mayor: Embrace bad news” (AZ Central, April 2015)  “40 Years of Central Arizona Project Water Use” (Kyl Center for Water Policy, December 2025)  “'Dream' of desalinating water to boost Arizona's supplies moves ahead with vote” (AZ Central, November 2025)  “The Peirce Report, Revisited: Greater Phoenix Grows Up” (Greater Phoenix Leadership)  1987 interview with Neal Peirce on PBS Horizon  Relevant Ten Across Conversations Podcasts  Latest Deadpool Projections Inject New Urgency into Colorado River Negotiations  Understanding Groundwater Risks in the Southwest with Jay Famiglietti  Checking in on Tense Colorado River Negotiations with Anne Castle and John Fleck  CreditsHost: Duke ReiterProducer and editor: Taylor GriffithMusic by: Gavin Luke and Pearce RoswellResearch and support provided by: Kate Carefoot, Rae Ulrich, and Sabine Butler  About our guest Terry Goddard served as Arizona attorney general from 2003 to 2010, addressing major issues, including the fallout from the mortgage crisis, border security, and consumer and environmental protections. While mayor of Phoenix from 1984 to 1990, Terry conceived and presided over the Phoenix Futures Forum, the largest city visioning process in the U.S., measured by the number of citizen participants and scope. He was also elected president of the National League of Cities in 1988. Today, Terry is serving his third term as president of the Central Arizona Water Conservation District Board, which oversees the Central Arizona Project.

This Day in Legal History: 21st Amendment RatifiedOn December 5, 1933, the United States ratified the Twenty-first Amendment to the Constitution, officially ending the era of national Prohibition. This amendment repealed the Eighteenth Amendment, which had banned the manufacture, sale, and transportation of intoxicating liquors since 1920. Prohibition, championed by temperance movements and moral reformers, was initially seen as a solution to social problems such as crime and poverty. However, over the following decade, it led instead to a surge in organized crime, illegal speakeasies, and widespread disregard for the law.The Twenty-first Amendment is unique in American legal history—it is the only amendment to repeal a previous amendment. It is also the only amendment ratified through state conventions rather than by state legislatures, a strategic move to bypass potential legislative gridlock. Utah became the 36th state to ratify the amendment, securing the three-fourths majority needed for adoption.The repeal of Prohibition returned control over alcohol regulation to the states, many of which continued restrictions at the local level. The amendment's passage marked a shift toward a more pragmatic and less moralistic approach to federal lawmaking. It also highlighted the limits of federal power to regulate personal behavior and underscored the complexities of enforcing unpopular laws.In the broader context of constitutional law, the Twenty-first Amendment demonstrated the capacity of the Constitution to adapt and self-correct. It remains a pivotal example of how constitutional amendments can respond to changing public sentiment and unintended legal consequences.A federal appeals court allowed President Donald Trump to continue deploying National Guard troops in Washington, D.C., halting a lower court ruling that would have required the troops to withdraw by December 11. The temporary order from the D.C. Circuit Court does not address the underlying legality of the deployment but permits it to proceed while litigation continues. The deployment, which began in August, intensified after a November 26 shooting near the White House left two National Guard members injured—one fatally. Trump responded by sending 500 additional troops and renewing his call to halt immigration from what he called “third-world countries,” after a 29-year-old Afghan national was charged in the attack.D.C. Attorney General Brian Schwalb sued the administration in September, arguing Trump unlawfully took over local policing authority and violated federal restrictions on military involvement in domestic law enforcement. A federal judge initially sided with Schwalb, calling the deployment likely unlawful, but delayed enforcement of her ruling to allow time for appeal. The Trump administration maintains it can deploy troops to D.C. without local approval, citing the city's unique federal status. Meanwhile, similar deployments in other Democratic-led cities have sparked lawsuits and accusations that Trump is using federal force for political purposes. Lower courts have largely ruled against these moves, and the Supreme Court is expected to weigh in on the legality of the Chicago deployment soon.Appeals court allows Trump National Guard deployment in DC to continue | ReutersTom Goldstein, a prominent Washington attorney and co-founder of SCOTUSblog, is fighting to sell his $3 million home in D.C.'s Wesley Heights to fund his defense against 22 financial crime charges, including tax evasion. Prosecutors allege that Goldstein, who has made millions as a poker player, misrepresented his financial situation to obtain loans, including one used to purchase the property. A Maryland federal judge barred the sale, ruling the house is likely connected to the alleged crimes. Goldstein has appealed, arguing that blocking the sale violates his Sixth Amendment right to use untainted assets for legal defense, and insists the home is not tied to the alleged misconduct.The appeal is before the 4th Circuit, where Goldstein—representing himself—says he's accumulated millions in legal fees. Prosecutors maintain the house is tainted because Goldstein omitted over $15 million in debt from the mortgage application. The home is also collateral for Goldstein's appearance bond, due to his being labeled a flight risk. One of Goldstein's key financial backers, litigation funder Parabellum Capital, is a witness in the case but not accused of wrongdoing. Legal experts say his effort to sell the house faces steep odds given the property's legal entanglements and standard federal practices regarding tainted assets.Tom Goldstein fights to sell home as tax trial looms | ReutersA federal grand jury has declined to indict New York Attorney General Letitia James, rejecting prosecutors' second attempt to bring criminal charges against her, according to sources familiar with the matter. The Justice Department had sought to revive a case involving allegations of bank fraud and false statements related to a mortgage, after the initial indictment was dismissed in November due to the unlawful appointment of the prosecutor, Lindsey Halligan. Despite the setback, prosecutors reportedly plan to seek a new indictment.James, a Democrat and prominent critic of Donald Trump, was accused of misrepresenting financial information to obtain favorable mortgage terms on a Virginia property. She pleaded not guilty to the original charges. The failed indictment effort comes amid broader DOJ efforts targeting Trump critics, including former FBI Director James Comey and ex-national security adviser John Bolton—cases that have also faced legal hurdles.Grand jury rejections are rare, as prosecutors usually face a low threshold of probable cause to proceed. James is now the highest-profile figure to have such a case rejected during Trump's second term. The president has publicly attacked James for leading a civil fraud lawsuit against him, which resulted in a massive financial penalty, later reduced on appeal but with Trump still found liable for fraud.Grand jury rejects second criminal case against New York Attorney General Letitia James, sources say | ReutersLawyers representing authors and publishers in a $1.5 billion copyright settlement with AI company Anthropic have requested $300 million in legal fees, amounting to 20% of the total settlement. Filed in federal court in San Francisco, the fee request comes after Anthropic agreed in October to settle claims it used pirated books to train its AI models, including its commercial product Claude. As part of the agreement, Anthropic will pay over $3,000 per infringed work, destroy the infringing datasets, and certify they are not part of its commercial systems.The legal team, led by Susman Godfrey and Lieff Cabraser, argued that the fee is “conservative” by class action standards, citing more than 26,000 hours of high-risk work. The settlement, which received preliminary approval in September, is being described as the largest reported copyright class action resolution to date. Anthropic has denied wrongdoing and retains the right to contest the fee amount.Authors have until January 15 to opt out of the class action and pursue individual claims. A final fairness hearing before U.S. District Judge William Alsup is scheduled for April, where objections from class members and fee disputes will be reviewed.Authors' lawyers in $1.5 billion Anthropic settlement seek $300 million | ReutersThis week's closing theme is by Wolfgang Amadeus Mozart, a composer of some note.On December 5, 1791, the world lost one of its greatest musical minds: Wolfgang Amadeus Mozart. Just 35 years old at the time of his death, Mozart left behind an astonishing body of work that shaped the course of Western classical music. His death, shrouded in speculation and mystery, came while he was in the midst of composing what would become one of his most profound and haunting works—the Requiem in D minor, K. 626. The Lacrymosa movement, in particular, captures the emotional gravity of that moment, as if echoing his own impending end.Although Mozart did not live to finish the Requiem, the fragments he left behind were completed by his student Franz Xaver Süssmayr, guided by sketches and oral instruction. The Lacrymosa, with its solemn melodies and aching harmonies, stands as one of the most emotionally resonant sections of the work. Franz Liszt later transcribed it for solo piano, creating a version that retains its choral intensity while adding a layer of intimate, virtuosic expressiveness.Listening to Liszt's transcription of the Lacrymosa is like hearing Mozart's farewell whispered through the keys of a piano—stark, mournful, and deeply human. December 5, then, is not only the date of Mozart's passing but also a reminder of the enduring beauty he left behind, etched into every phrase of the Requiem. His music, especially in this piece, speaks across centuries to the depths of loss and the hope of transcendence.Without further ado, Mozart's Requiem in D. minor – enjoy! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Proven ways to keep your Christmas tree fresh •Hydrate consistently: Never let the stand run dry•Avoid heat sources: Keep tree away from fireplaces, vents or radiators. Warm air dries the tree out quickly.•Lower room temperature: Slightly cooler indoor air helps slow needle drop.•Use LED lights: They emit less heat than incandescent lights, which helps the tree retain moisture. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Circle isn't just building USDC. They're assembling the full operating system for global money, and in today's episode of The Milk Road Show, Circle CTO Nikhil Chandhok reveals the blueprint behind it.~~~~~

Jesse Montano and Meghan Angley are LIVE after Colorado's first game of a four-game road trip out East to take on the Islanders for the second time and close out the season series #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

After interviewing biomechanics enthusiast Ben Yanes on effective upper body training, this time I'm bringing back Dr. Eric Helms to discuss exercise selection for the lower body.Looking to grow hamstrings, calves, quads, glutes, or all of the above? You're in for a treat!Links and resources:Check out the MASS Research Review: ⁠https://massresearchreview.com⁠Visit the 3DMJ website: https://3dmusclejourney.com/ Purchase Eric's books here: https://muscleandstrengthpyramids.com/ Follow Eric on IG @helms3mdj: https://www.instagram.com/helms3dmj/ Sign up for one on one coaching with me: ⁠https://www.fittotransformtraining.com/coaching.html⁠Follow me on Instagram @nikias_fittotransform: ⁠http://instagram.com/nikias_fittotransform/⁠Visit my website: ⁠https://www.fittotransformtraining.com⁠Sign up for my free newsletter: ⁠https://mailchi.mp/157389602fb0/mailinglist⁠Sign up for the No Quit Kit email series on retraining your mindset for long-term fat loss success: ⁠https://mailchi.mp/4b368c26baa8/noquitkitsignup⁠Take my free “Should You Cut or Bulk First?” quiz: https://nikias-dddr9p81.scoreapp.com/ 

Financial Revelations with David Szafranski – Christmas Edition Welcome to the Christmas edition of Financial Revelations with David Szafranski! We're wrapping up the year with mission updates, a market recap, giveaways, and David's outlook for the months ahead.

It's Thursday, December 4th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark European country of Monaco expelled Swiss evangelist Evangelical Focus reports officials in Monaco recently detained and then expelled a Swiss evangelist without much explanation. Monaco is a sovereign city-state in Western Europe, bordered by France to the north, east, and west, with the Mediterranean Sea to the south. Stephan Maag has shared the gospel on streets across 28 European countries. He's known for carrying an 80-pound collapsible cross, generating conversations about Jesus. His evangelistic walks were well-received until he visited Monaco, a microstate in south-eastern France. Police detained Maag, telling him what he was doing was not allowed there. They even told him his cross was too big! The evangelist said, “Nothing like this has ever happened to us in Europe.” In Romans 1:16, the Apostle Paul wrote, “I am not ashamed of the Gospel of Christ, for it is the power of God to salvation for everyone who believes.” Germany beefs up security for iconic Christmas markets German cities are tightening security in preparation for opening their iconic Christmas markets this year. Renardo Schlegelmilch with Germany's largest Catholic radio station said, “There are more than 3,000 Christmas markets every year in Germany, with around 170 million visitors — more than twice the population of the country. They set the tone of Advent, even for people who are not active in the Church.” The security cost for this centuries-old tradition has skyrocketed in recent years. Security concerns have risen since 2016 when an Islamic extremist drove a truck into a Berlin Christmas market, killing 12 people. Mississippi evangelist makes case before Supreme Court The U.S. Supreme Court heard a case involving a Mississippi evangelist yesterday. Gabriel Olivier is an evangelical Christian who desires to share his faith with others. However, the City of Brandon, Mississippi passed an ordinance to effectively silence his evangelism. Lower courts sided with the city. Now, First Liberty Institute is representing Gabriel before the U.S. Supreme Court. The group noted, “Gabe's case could overturn decades of bad precedent in the lower courts. A clarifying opinion from the Supreme Court will bolster the rights and religious freedom of millions.” More U.S. soldiers identify with Christ while U.S. more secular U.S. military members are becoming more religious even as America becomes more secular. That's according to a study by Ryan Burge, a professor at Washington University in St. Louis. The study compared 18- to 45-year-olds in the military and outside the military. Members of the military are more likely to identify as Christians than the rest of the population. Military members are also more likely than civilians to attend church. And church attendance in the military has actually increased over the past 12 years. U.S. military abortions are down The Dallas Express reports that military abortions are down to their lowest level in five years. The military's TRICARE health service program covered five abortions this year as of June, down from 49 abortions in 2021.  This follows efforts by President Donald Trump to cancel abortion-related policies.  Although taxpayer-funded abortions at military facilities are down, the general use of medication-induced abortions has skyrocketed in recent years. Republicans won Tennessee special House of Reps. election The Grand Old Party won the special election for Tennessee's 7th Congressional District on Tuesday.  Republican Matt Van Epps beat Democrat Aftyn Behn by nine percentage points with 53.9% of the vote, reports the Nashville Banner. The victory means Republicans will have a 220-213 majority in the U.S. House of Representatives.  Listen to comments from Epps, thanking God and his supporters for the victory. EPPS: “We did it. Thank you all. This is just an incredible win. Tonight, you've sent a message, loud and clear. The people of Middle Tennessee stand with President Donald J. Trump. First and foremost, I want to thank God for His guidance and grace every step of the way.” Martyred U.S. medical missionary in Congo featured on Time in 1964 And finally, medical missionary Paul Carlson appeared on the covers of Time Magazine and Life Magazine on December 4, 1964, sixty-one years ago today. The successful doctor left a comfortable life in California to be a missionary in Africa. Carlson arrived in the Congo with his wife and two children in 1963. He continued to care for people despite political unrest. However, communist-inspired rebels eventually arrested him and falsely accused him of being an American spy. On November 24, 1964, the rebels opened fire on a group of prisoners, including Carlson. He died helping other prisoners escape the onslaught. Carlson's wife, Lois, carried on her husband's work, supporting medical care and education in the area. His tombstone bears this inscription from John 15:13, “Greater love has no man than this, that a man lay down his life for his friends.” Close And that's The Worldview on this Thursday, December 4th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Thank you to Polygon for supporting this podcast.  

Crypto's in hard mode, and Zeneca is here to explain why that's not the death of the market… but the beginning of a smarter one. In today's episode, we dive deep into why the “easy money” era is officially over, what's changed beneath the surface of this cycle, and the three big opportunities Zeneca believes still have massive upside even in a tougher, more competitive market.~~~~~

A former addict who spent years going in and out of jail says the only real way out is through specialist courts that treat addiction. Morning Report producer Rayssa Almeida reports.

December is here, Advent is upon us, and while the world is speeding up, this conversation is an invitation to slow down, breathe deep, and remember that anxiety does not magically clock out for the holidays. In this episode, we talk with Ruth about what it looks like to set the tone for the month of Advent with intention, slowness, and a heart that is more focused on Jesus than on performance, expectations, or a perfectly curated Christmas. Episode Overview So often, December becomes a pressure cooker: Packed calendars Parties and performances Family expectations Untended relationships Mom guilt and spiritual guilt If we are honest, it is easy to end the month exhausted, anxious, and wondering if we missed what Advent was really about. This episode is a gentle reset. Together we talk about: Why your anxiety around the holidays is understandable How to set expectations and boundaries without guilt How to stop treating December like a spiritual performance review How to carry Advent rhythms into January, February, and beyond Practically preparing Him room in your actual life, not just your ideal one And underneath all of it: the reminder that God really does see you, loves you, and is not grading your Christmas performance. Key Themes From the Conversation Advent as a beginning, not a box Instead of cramming all spiritual depth into four weeks, we talk about Advent as the starting line for rhythms that can continue all year. The goal is not a perfect December, but a reoriented heart that remembers Emmanuel, God with us, in every season. Letting go of holiday perfectionism Naming how much of our striving is actually about approval, worth, and wanting to be seen as a good mom, good host, or good Christian. Asking honest questions: What do I think I will gain from doing all of this? Is this truly about honoring Jesus or about proving something? Heart clutter and preparing Him room Ruth shares how her work on Advent came out of her own struggle to feel like everything had to happen in December. The phrase "prepare Him room" assumes there is clutter in our hearts that needs to be cleared, not just in our schedules. Permission to say no You do not have to say yes to every party, event, or opportunity, even if they are all good things. Sometimes the holiest thing you can do is guard a blank square on the calendar as "occupied by rest, family, and presence." Repairing relationships without putting all the pressure on one month We often try to fix a year's worth of tension or distance in a single holiday season. Advent is a beautiful time to begin the work of reconciliation, but not a demand to tie everything up with a bow by December 25. Parenting, anxiety, and what our kids actually see Our kids are learning what Christmas is by watching us. When they see us frantic, angry, and stressed, they learn that "this is what Christmas feels like." When they see us repent, reset, and re-center on Jesus, they witness the Gospel in real time. Scripture Threads in This Episode 3 John 1:2 Beloved, I pray that you may prosper in all things and be in health, just as your soul prospers. Luke 12:27 Consider how the wild flowers grow. They do not labor or spin. We talk about how Jesus pointed anxious hearts to birds and flowers as living reminders that the Father is not forgetful, and that our worth is not held together by our hustle. Practical Ways To Set the Tone for This Month Here are some simple, realistic practices that came up in the conversation: Decide your non negotiables A daily or weekly family moment to pray, read a verse, or use an Advent resource. A small rhythm that fits your actual life: after dinner, Saturday mornings, or before bed. Mark the "nothing" days on your calendar Literally block off blank days as taken. Protect margin so there is room for real conversations, unhurried play, and quiet with God. Saturate your environment with reminders of Jesus Scripture on the walls, art that points your eyes up, worship and Advent music playing in the background, an open Bible on the table. Let what you see, hear, and read pull your attention back to Him throughout the day. Practice quick repentance, not long self condemnation When you catch yourself spiraling, snapping, or worshiping your to do list, pause. Talk with Jesus first: Lord, I put this party, this list, or this image of myself on the throne. I am sorry. Please reorder my heart. Then talk with your people: Hey, I am sorry for how I just acted. That is not what I want this season to feel like for us. Can we reset and try again? Pay attention to embodied people, not just online life Online community is a gift, but the people under your roof and the ones who know your everyday life matter first. Ask God to help you see them, listen to them, and be fully present with them. Reflective Questions For You You might want to jot these down in a journal or talk them through with a friend or spouse: What is my real emotional temperature going into this month: anxious, hopeful, numb, overwhelmed? Where am I secretly hoping that a "perfect" Christmas will heal or fix something that actually needs long term tending with God? What are three things I can say no to this month so I can say a deeper yes to Jesus, my family, and rest? How can I build in daily "touch points" with God's Word that fit my real life, not my ideal life? Where do I need to humble myself, apologize, or reset the tone in my home? Sponsor: CrowdHealth It is open enrollment season, which is exactly when traditional health insurance hopes you will just click "renew" on high premiums and confusing fine print. CrowdHealth is a refreshingly different alternative. With your monthly membership you get: A team that helps negotiate medical bills Lower lab tests and many prescriptions Access to a network of vetted doctors And when something major happens, you pay the first 500 dollars and then the rest of the community steps in to help This is not insurance, but it is a way to opt out of a broken system and take some power back over your health care. To get started: Visit joincrowdhealth.com Use the code speak easy Pay just 99 dollars for your first three months Again: joincrowdhealth.com, code speak easy. Sponsor: PreBorn PreBorn is doing incredible, life saving work by providing free ultrasounds to women considering abortion. Women are about twice as likely to choose life after seeing an ultrasound or hearing a heartbeat. This year alone, PreBorn has helped rescue tens of thousands of babies. Their care does not stop at birth: they offer counseling, classes, and even practical help up to two years after the baby is born. You can literally be part of saving a baby's life today: 28 dollars funds one free ultrasound Go to preborn.com slash speak easy That is preborn.com slash speak easy Thank you for standing in the gap for moms and babies.

Happy 1st Friday Edition of the Program!! Breaking News during the Show as Brian Hartline is leaving Ohio State to become the Head Coach at USF. Our reactions and thoughts on that. It's National Signing Day and nobody knew. The Buckeyes locked up Chris Henry Jr. Meet the Hoosiers and hear from Ryan Day on the Big Ten Championship. Penn State gets spurned for BYU. ESPN's Jake Trotter, What's Up, Higher or Lower, Thing or Not a Thing, #HeyGuys, Your Officially Endorsed and 3 Things

Join the Growth Letter for weekly strategic perspectives on sustainable business growth - https://www.darrellevans.net/subscribeIn this episode, I walk through a situation I'm seeing more often, companies doing everything “right” with their marketing yet watching their cost to acquire customers climb anyway. I break down a conversation with a $5M service business spending over $70K a month on Google Ads and show why their top-performing channel suddenly became the bottleneck. More importantly, I unpack the subtle shifts in buyer behavior and the overlooked gold sitting inside their own CRM. If your ad spend keeps rising but growth feels stuck, this episode will help you see what's really happening and where the next level actually comes from.Join the Growth Letter for weekly strategic perspectives on sustainable business growth - https://www.darrellevans.net/subscribe No tactics. No trends. Just clear thinking on what actually works from three decades of working with $1M+ businesses that have outgrown tactics but need strategic clarity.

Today we had the pleasure of hosting Dr. Kruti Lehenbauer, Founder of Analytics TX. Kruti is a longtime statistician and economic consultant who has held leadership roles across analytics, data, and research. She holds a Ph.D. in Public Policy and Political Economy and helps organizations audit business data, uncover hidden efficiencies, and navigate strategic planning, AI adoption, and more. She regularly shares thought-provoking insights and translates complex analysis into clear, actionable takeaways. We were delighted to hear her perspectives on interest rates, inflation, tariffs, and more ahead of next week's Fed meeting. In our conversation, we explore the “panic narrative” around the economy and why the past five years may feel worse than what the long-run trends suggest. We discuss the health of the U.S. economy, whether we're truly in a unique moment, how rapid interest rate hikes have worsened the debt picture, and why Kruti believes rates should already be moving back toward ~3%. She shares why the expectation that “everything must rise exponentially” is misguided, invoking Joan Robinson's reminder that “in the long run we are all dead, but not all at once.” We cover what data Kruti thinks the Fed should focus on (employment, GDP, true inflation) versus short-term headlines and political noise, the interplay between aggregate demand and aggregate supply, and why productivity and technology matter most for long-run growth. Kruti also explains how tariffs effectively raise real interest rates, how consumers adapt, and the flaws she sees in how we measure inflation today. We touch on why she believes fears of mass job loss from AI are overblown, the importance of adaptation, and her concerns about declining quality in higher education and its impact on high-skill labor and future productivity. We address fiscal versus monetary policy, why overreliance on the Fed is risky, and long-run structural issues including savings behavior, financial literacy, and long-dated household debt. We also discuss India's role as a rising economic partner and end with the “magic-wand” reforms Kruti would prioritize including leaner government, updated inflation metrics, and policies that expand the economy's productive frontier rather than over-managing it. It was a thought-provoking discussion. Mike Bradley kicked us off by noting that broader equity markets rallied on a rebound in Bitcoin, bond yields have been inching higher, crude oil remains under pressure, U.S. natural gas price continues to surge, and copper prices are hitting all-time highs. The 10-year bond yield inched higher this week to ~4.1%, after trading near 4% last week, on rumors that Kevin Hassett is the front-runner for Federal Reserve Chairman. Bond volatility will likely continue into the December 10th FOMC meeting. The DJIA and S&P 500 were both up on the day but remain flattish to slightly lower for the week, with Technology leading and Energy lagging. On the oil market front, WTI price continues to be under pressure (trading just under $59/bbl) due to continuing concern around an early 2026 global oil surplus (~2-4mmbpd). This bearish oil thesis/trade is very-very-very consensus. OPEC+ convened over the weekend and agreed, as expected, to pause oil output hikes through Q126 and to call for third-party verification of OPEC+ members Maximum Sustainable Capacity for 2027 production baselines. He closed by highlighting that cold weather has finally arrived, spiking prompt U.S. natural gas price to ~$5/MMBtu (while the 12-month strip holds steady at ~$4.15/MMBtu). He noted the remarkable surge in Lower-48 dry gas production, from 108-109bcfpd a month ago to a weekend peak of ~114bcfpd, now settling in at 112-113bcfpd. Jeff Tillery shared a few themes he's watching heading into the next few quarters. In traditional energy, oilfield services stocks are jumping even as oil prices fall, raising the question of whether the market is signali

Join OANDA Senior Market Analysts & podcast guest Nick Syiek (TraderNick) as they review the latest market news and moves. MarketPulse provides up-to-the-minute analysis on forex, commodities and indices from around the world. MarketPulse is an award-winning news site that delivers round-the-clock commentary on a wide range of asset classes, as well as in-depth insights into the major economic trends and events that impact the markets. The content produced on this site is for general information purposes only and should not be construed to be advice, invitation, inducement, offer, recommendation or solicitation for investment or disinvestment in any financial instrument. Opinions expressed herein are those of the authors and not necessarily those of OANDA or any of its affiliates, officers or directors. If you would like to reproduce or redistribute any of the content found on MarketPulse, please access the RSS feed or contact us at info@marketpulse.com. © 2023 OANDA Business Information & Services Inc

Are Environmental Toxins Lower in Wild-Caught or Farmed Fish? The adverse effects of industrial pollutants in seafood may counteract the benefits of nutrients in fish. Listen to today's episode written by Dr. Michael Greger at @NutritionFacts.org #vegan #plantbased #plantbasedbriefing #fish #fishing #seafood #toxins #environmentaltoxins #toxicbioaccumulation ================== Original post: https://nutritionfacts.org/video/are-environmental-toxins-lower-in-wild-caught-or-farmed-fish/  ================== Dr. Michael Greger is a physician, New York Times bestselling author, and internationally recognized speaker on nutrition, food safety, and public health issues. A founding member and Fellow of the American College of Lifestyle Medicine, Dr. Greger is licensed as a general practitioner specializing in clinical nutrition. He is a graduate of the Cornell University School of Agriculture and Tufts University School of Medicine. He founded NUTRITIONFACTS.ORG is a non-profit, non-commercial, science-based public service provided by Dr. Michael Greger, providing free updates on the latest in nutrition research via bite-sized videos. There are more than a thousand videos on nearly every aspect of healthy eating, with new videos and articles uploaded every day.   His latest books —How Not to Die, the How Not to Die Cookbook, and How Not to Diet — became instant New York Times Best Sellers. His two latest books, How to Survive a Pandemic and the How Not to Diet Cookbook were released in 2020.  100% of all proceeds he has ever received from his books, DVDs, and speaking engagements have always and will always be donated to charity. ============================== FOLLOW THE SHOW ON: YouTube: https://www.youtube.com/@plantbasedbriefing     Spotify: https://open.spotify.com/show/2GONW0q2EDJMzqhuwuxdCF?si=2a20c247461d4ad7 Apple Podcasts: https://podcasts.apple.com/us/podcast/plant-based-briefing/id1562925866 Your podcast app of choice: https://pod.link/1562925866 Facebook: https://www.facebook.com/PlantBasedBriefing   LinkedIn: https://www.linkedin.com/company/plant-based-briefing/   Instagram: https://www.instagram.com/plantbasedbriefing/     

In this episode with Blake, we explore how we can use foot orthoses in various different case presentations in the lower limb. We discuss: Misconceptions about foot orthosesHow and when to use foot orthosesWhat conditions can respond well to foot orthosesDifferences between customised foot orthoses and off the shelf orthosesThis episode is closely tied to Blake's case study he did with us. With case studies, you can see how top clinicians manage real-world cases and apply their strategies to get better results with your patients.

Bitcoin feels like it's been stuck all year… but Bitwise says that's the wrong chart to watch.In today's episode, Matt Hougan and Ryan Rasmussen reveal what's happening beneath the surface and why this sideways chop is hiding the strongest structural setup Bitcoin has ever had.~~~~~

The path to lowering antibodies isn't always quick, but it becomes clearer once you know which five areas matter most.In this conversation, I walk through what thyroid antibodies actually mean and why they can fluctuate from one test to the next. I then break down five approaches that consistently make a difference, strengthening the foundations of health, addressing personal triggers, supporting gut health, reducing oxidative stress, and understanding when something like Low-Dose Naltrexone (LDN) might play a role. The goal is to help you see where your efforts matter most and why a layered approach usually works better than relying on a single strategy.If you've been trying to make sense of your antibodies or you're looking for next steps, you'll find this episode helpful to listen to.Episode Timeline: 00:00 — What Thyroid Antibodies Are01:15 — Types of Graves' Antibodies03:45 — Why Antibodies Fluctuate05:10 — Way #1: Foundations First08:20 — Foods & Common Triggers10:45 — Stress, Toxins, Infections12:50 — Way #2: Remove Triggers14:05 — Way #3: Heal the Gut16:40 — Way #4: Reduce Oxidative Stress18:30 — Supplements for Antibody Support19:45 — Way #5: Low-Dose Naltrexone21:10 — Summary of All Five Steps22:00 — Invitation to Free ChallengeTo take the Save My Thyroid Quiz visit www.savemythyroid.com/quiz Free resources for your thyroid health Get your FREE Thyroid and Immune Health Restoration Action Points Checklist at SaveMyThyroidChecklist.com High-Quality Nutritional Supplements For Hyperthyroidism and Hashimoto' s Have you checked out my new ThyroSave supplement line? These high-quality supplements can benefit those with hyperthyroidism and Hashimoto's, and you can receive special offers, along with 10% off your first order, by signing up for emails and text messages when you visit ThyroSave.com. Do You Want Help Saving Your Thyroid? Get free access to hundreds of articles and blog posts: https://www.naturalendocrinesolutions.com/articles/all-other-articles Watch Dr. Eric's YouTube channel: https://www.youtube.com/c/NaturalThyroidDoctor/videos Join Dr. Eric's Graves' disease and Hashimoto's group: https://www.facebook.com/groups/saveyourthyroid Take the Thyroid Saving Score Quiz: https://quiz.savemythyroidquiz.com/sf/237dc308 ...

Did you know there's MAGIC in your Meditation Practice? Say Goodbye to Anxiety and Hello to More Peace & More Prosperity! Here Are the 5 Secrets on How to Unleash Your Meditation Magic https://womensmeditationnetwork.com/5secrets Join Premium! Ready for an ad-free meditation experience? Join Premium now and get every episode from ALL of our podcasts completely ad-free now! Just a few clicks makes it easy for you to listen on your favorite podcast player. Become a PREMIUM member today by going to --> https://WomensMeditationNetwork.com/premium Close your eyes,  And relax your body.  Lower your shoulders,  Open your chest,  And soften your belly.  PAUSE Breathe… Now, let your attention expand outward, to the environment around you.  Notice the chaos that may exist in your life.  Let yourself feel how this chaos can create a sense of unrest and overwhelm. PAUSE… Bring your attention to your breath.  Allow your breath to be your anchor.  As the chaos around you continues, focus your attention on the steadiness of your breath.  Let it be your guide. Join our Premium Sleep for Women Channel on Apple Podcasts and get ALL 5 of our Sleep podcasts completely ad-free! Join Premium now on Apple here --> https://bit.ly/sleepforwomen Join our Premium Meditation for Kids Channel on Apple Podcasts and get ALL 5 of our Kids podcasts completely ad-free! Join Premium now on Apple here → https://bit.ly/meditationforkidsapple Hey, I'm so glad you're taking the time to be with us today. My team and I are dedicated to making sure you have all the meditations you need throughout all the seasons of your life. If there's a meditation you desire, but can't find, email us at Katie Krimitsos to make a request. We'd love to create what you want! Namaste, Beautiful,

In this episode, Dr. Sharon Niv discusses her work at Joyus, a public benefit company focused on revolutionizing mental health care through personalized at-home microdose ketamine treatments.    Dr. Sharon explains the history of ketamine as a treatment for mental health, its mechanisms of action, and the importance of community support in the healing process.    Nick asks Dr. Sharon questions that address common concerns and stigma surrounding ketamine treatment, emphasizing its low risk and potential benefits.    Their conversation also explores the role of neuroplasticity in mental health recovery and the future of AI in therapy.    Dr. Sharon provides insights into personalized treatment protocols and encourages both patients and therapists to consider the benefits of ketamine therapy.   Key Takeaways:    Dr. Sharon Niv is a cognitive psychologist bridging neuroscience and therapy. Joyus offers personalized at-home microdose ketamine treatments. Ketamine was first synthesized in the 1950s and is used safely in medical settings. The drug has shown promise in treating severe depression and suicidality. Ketamine works primarily on the glutamate system, unlike traditional psychedelics. Lower doses of ketamine can provide therapeutic benefits without destabilizing experiences. Community support is crucial for individuals undergoing ketamine treatment. Neuroplasticity allows the brain to change and adapt, which is enhanced by ketamine. Personalized treatment protocols are essential for effective ketamine therapy. AI has potential in mental health, but should not replace human therapists.   Chapters   00:00 Introduction to Dr. Sharone Niv and Her Work 02:58 The Journey to Psychology and Entrepreneurship 05:47 The History and Safety of Ketamine 08:45 Ketamine as a Treatment for Mental Health 11:36 Understanding Ketamine's Mechanism and Effects 14:44 The Psycholytic State and Its Benefits 17:40 Addressing Stigma and Concerns Around Psychedelics 20:48 The Joyus Approach to Microdosing Ketamine 23:24 Personal Experiences and Emotional Release 26:45 The Importance of Connection and Exploration 27:14 Exploring Psychoactive Substances and Their Impact 28:14 The Tragic Story of Matthew Perry 32:56 Neuroscience and Mental Health: The Role of Neuroplasticity 39:45 Personalized Treatment Protocols for Mental Health 45:22 Community Support in Mental Health Treatment 47:48 The Future of AI in Therapy 53:07 The Dark Side of AI in Mental Health 54:37 Innovative Uses of AI in Therapy 56:09 Training Therapists for New Technologies 59:43 The Journey of Integrating Ketamine Treatment 01:02:09 Encouragement for Patients and Therapists 01:04:22 Understanding the Risks and Benefits of Ketamine 01:09:52 Navigating the Decision to Try Ketamine 01:12:08 Practical Considerations for Microdosing Ketamine Find Dr. Sharon Niv here: Instagram: https://www.instagram.com/joyous.team/  Facebook: https://www.facebook.com/joyous.friends   Website: https://www.joyous.team/  LinkedIn: https://www.linkedin.com/in/sharon-niv/ | https://www.linkedin.com/company/joyousteam/ Find Nick Thompson here: Instagram: https://www.instagram.com/nthompson513/  |  https://www.instagram.com/the_ucan_foundation/  YouTube: https://www.youtube.com/@EyesWideOpenContent   LinkedIn: https://www.linkedin.com/in/nickthompson13/     UCAN Foundation: https://theucanfoundation.org/  Website: https://www.engagewithnick.com/     

In this conversation, Peter discusses the upcoming Fusaka upgrade for Ethereum, highlighting its potential benefits and the current trends in the Ethereum ecosystem. He also addresses significant security concerns in DeFi, particularly the recent Yearn Finance incident, and emphasizes the importance of robust security architecture in blockchain technology. The discussion further compares Ethereum's evolving programming paradigms with those of Cardano, showcasing the latter's foundational security advantages.TakeawaysEthereum is set for a significant upgrade with the Fusaka upgrade.The supply of Ethereum on exchanges is decreasing, indicating a trend.A whale recently cashed in on a massive ETH investment after 10 years.The Fusaka upgrade introduces Peer Data Availability Sampling for efficiency.Lower transaction costs and improved UX are key features of the upgrade.Yearn Finance suffered a major security breach despite multiple audits.Real security in blockchain requires foundational changes, not just audits.Cardano's architecture emphasizes security and has never been compromised.Ethereum is adopting programming paradigms similar to Cardano's for better security.Market reactions to upgrades often involve initial spikes followed by profit-taking.Chapters00:00 Ethereum's Upcoming Fusaka Upgrade02:53 Security Concerns in DeFi: The Yearn Finance Incident06:06 The Importance of Security Architecture in Blockchain09:04 Comparing Ethereum and Cardano: A Shift in Programming ParadigmsDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

Dave looks at the EFL from the weekend, before looking at the Tuesday night Premier League action. Learn more about your ad choices. Visit podcastchoices.com/adchoices

You're hearing a lot about President Trump's proposal for a 50-year mortgage — but what does it REALLY mean for your wallet? Does it make homeownership more affordable… or does it lock millions of Americans into a lifetime of debt?In this episode of The Financial Mirror, we break down the truth behind 50-year mortgages, how they compare to 30-year loans, and why the “lower monthly payment” might cost you hundreds of thousands more over time.We cover: ✔️ How much you ACTUALLY save each month on a 50-year mortgage ✔️ Why total interest paid nearly doubles ✔️ How slower equity growth keeps families “house poor” for decades ✔️ Why lenders benefit more than buyers ✔️ How this trend impacts first-time homebuyers, middle-class families, and long-term wealth ✔️ What to do before you consider ANY long-term mortgage productIf you're thinking about buying a home, refinancing, or planning your financial future, this episode will help you avoid the traps, understand the math, and protect your long-term wealth

Episode Summary: I recently decided to go back into a weight loss phase, and in this episode, I'm telling you exactly why. Spoiler alert: it's not because I hate my body or feel like a failure—it's because of what I learned about how excess body fat impacts your brain, your long-term health, and your everyday clarity, energy, and decision-making. We'll talk about: Why "feeling fine" can actually be a red flag if it keeps you stuck in complacency What I'm changing—even though I was already eating well and exercising How excess fat reduces brain volume, blood flow, and function (even if you feel healthy) Why your brain is absolutely capable of healing and what it needs to do that The real meaning of anti-inflammatory weight loss (and it's not just about food) I'm also answering some of the biggest questions that come up around inflammation and weight, including: Can you heal your brain if damage has already been done? What if you know you need to lose weight but you're just not ready? What if you're overwhelmed and don't know where to start? How do you even know if inflammation is a problem for you?

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Signs of a slowing economy, and speculation of a very dovish new Federal Reserve chairman in May 2026, are behind the futures market pricing in substantial rate cuts over the next year. Historically, substantially lower rates weaken the dollar and boost precious metals. Silver has made a new high and has formed what is arguably the most bullish technical pattern, William O'Neil's “cup and handle” formation. On the technology front, Alphabet's low-cost semiconductors present unexpected competition for Nvidia. Things like that will determine the performance of technology companies' share prices for the foreseeable future. Longer term, the “Holy Grail” that technology companies seek is Artificial General Intelligence - AI that thinks like a human. Its impact to humanity could be very beneficial, or deeply detrimental.

Lurch and I are joined by Ken Madden from Ciro and we talk about counterfeit and knock off motorcycle products.   Ken is a Senior Product Designer at Ciro and he just happens to also be a Patreon supporter of Law Abiding Biker.  Ken, along with Ciro and other motorcycle parts innovators and creators are being ripped off.  Overseas companies that do not respect patents are recreating inferior version of the hard work others put in.  Knockoff motorcycle products may look like a bargain up front, but they come with some serious downsides that riders often don't realize until it's too late. SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE 1. Lower Quality Materials Knockoffs typically use cheaper metals, plastics, and electronics. That means parts can crack, fade, corrode, or fail much faster than name-brand components. 2. Poor Fitment & Compatibility These products often aren't engineered to OEM tolerances. Expect problems like: Misaligned holes Rattling or vibrating Parts that require modification to fit Components that interfere with other accessories 3. Reduced Safety This is the biggest risk. Knockoff: Helmets may not meet DOT/ECE standards Brake parts may not withstand heat Lighting may fail or deliver low visibility Structural parts can break under stress A small failure at 70 mph can become a major problem. 4. No Warranty, Support, or Testing Reputable motorcycle brands invest in R&D, testing, and customer support. Knockoffs typically offer: No meaningful warranty No replacement parts No safety testing No customer service Once it fails, you're on your own CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! 5. Shorter Lifespan (Costing More Over Time) Cheap parts often wear out quickly, so riders end up replacing them multiple times. The "savings" disappear fast. 6. Potential Damage to Your Bike Poorly made accessories can: Stress mounting points Scratch paint Cause electrical issues Throw off suspension or geometry Saving $50 on a part can cause hundreds in damage. 7. Resale & Reliability Hit Buyers can spot cheap accessories. Knockoffs on a bike can: Lower resale value Make the bike look poorly maintained Raise concerns about what other shortcuts were taken 8. Ethical & Legal Issues Many knockoffs: Copy patented designs Copy brand logos Are made in unregulated factories Hurt legitimate manufacturers NEW FREE VIDEO RELEASED: Vance & Hines V02 Air Intake Install & Overview for Harley-Davidson Motorcycles S&S Cam Kit Installation on Harley-Davidson Milwaukee-Eight | Full Guide Sponsor-Ciro 3D CLICK HERE! Innovative products for Harley-Davidson & Goldwing Affordable chrome, lighting, and comfort products Ciro 3D has a passion for design and innovation Sponsor-Butt Buffer CLICK HERE Want to ride longer? Tired of a sore and achy ass? Then fix it with a high-quality Butt Buffer seat cushion? New Patron: Fred Wheeler of Mobile, Alabama Bottom Line Knockoff motorcycle parts may save money up front, but the risks—in safety, reliability, and long-term cost—usually make them a bad investment. Quality aftermarket or OEM parts nearly always pay off in durability and peace of mind. If you appreciate the content we put out and want to make sure it keeps on coming your way then become a Patron too! There are benefits and there is no risk. Thanks to the following bikers for supporting us via a flat donation: Joseph Horner of Bolivar, Missouri Kenneth Hall of Maryville, Tennessee Paul Estoppey of Wallbach Switzerland HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker #Bikaholics #RyanUrlacher

Did you know there's MAGIC in your Meditation Practice? Say Goodbye to Anxiety and Hello to More Peace & More Prosperity! Here Are the 5 Secrets on How to Unleash Your Meditation Magic https://womensmeditationnetwork.com/5secrets Join Premium! Ready for an ad-free meditation experience? Join Premium now and get every episode from ALL of our podcasts completely ad-free now! Just a few clicks makes it easy for you to listen on your favorite podcast player. Become a PREMIUM member today by going to --> https://WomensMeditationNetwork.com/premium You're here… Which means something in you is ready to rest. Ready to release the tension, To return to center. To let the energy settle. Just lie back and receive. PAUSE Let's begin by coming home to your body. Wiggle your fingers. Soften your jaw. Let your tongue rest gently behind your teeth. Lower your shoulders. And give your whole body permission to melt… Right here, right now. LONG PAUSE As you relax deeper into this moment, Picture yourself resting inside a soft cocoon of twilight-blue light. Safe. Held. Connected to your breath… Connected to something greater. Join our Premium Sleep for Women Channel on Apple Podcasts and get ALL 5 of our Sleep podcasts completely ad-free! Join Premium now on Apple here --> https://bit.ly/sleepforwomen Join our Premium Meditation for Kids Channel on Apple Podcasts and get ALL 5 of our Kids podcasts completely ad-free! Join Premium now on Apple here → https://bit.ly/meditationforkidsapple Hey, I'm so glad you're taking the time to be with us today. My team and I are dedicated to making sure you have all the meditations you need throughout all the seasons of your life. If there's a meditation you desire, but can't find, email us at Katie Krimitsos to make a request. We'd love to create what you want! Namaste, Beautiful,

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November 26, 2025; 8pm: Tonight, the latest special election that is making Donald Trump and Republicans nervous. Plus, Congressman Eric Swalwell with big news about his lawsuit against the Trump administration. Then, the latest legal woes for Donald Trump's political targeting.  Want more of Chris? Download and follow his podcast, “Why Is This Happening? The Chris Hayes podcast” wherever you get your podcasts.To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.