Podcasts about Lower

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.

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/     

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

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

Worldwide Markets – Episode 659 Show Notes "It's Been a Year… But Markets Loved It"

In today's episode, we sit down with Sid Powell, CEO of Maple Finance, to dig into the forces shaping crypto right now: the yen carry unwinding, liquidity shocks, the October flash crash, stablecoin expansion, and what 2026 actually looks like once the dust settles.~~~~~

Towels, used to dry our freshly washed bodies, quickly become dirty, collecting dead skin cells, perspiration, bacteria and fungi that thrive in damp environments. This can lead to fungal infections and skin problems. To manage this, use separate towels for the body and face, and ensure they are thoroughly dried between uses to minimise bacterial growth. Experts recommend washing towels at a high temperature, ideally 60°C or above, to effectively eliminate bacteria and fungi. Lower temperatures, such as 30° to 40°, are only effective on light stains and may not fully sanitise the towels. Over time, the accumulation of microbes makes thorough cleaning more challenging. How should you wash your towels? What are the best cleaning tips for toothbrushes? What about make-up brushes? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠What is the 10-10-10 method for dealing with everyday worries?⁠ ⁠Why has astrology come back into fashion?⁠ ⁠What are the most addictive foods?⁠ A podcast written and realised by Amber Minogue. First Broadcast: 11/9/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is Tuesday, Dec. 2, 2025. The Brainerd Dispatch Minute is a product of Forum Communications Co. and is brought to you by reporters at the Brainerd Dispatch. Find more news throughout the day at BrainerdDispatch.com.

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

RED BUBBLE STORE: https://rdbl.co/2BXMEkq DISCORD: https://discord.com/invite/uWZkb2a   3:11 - Read It On Reddit NGL the new format makes time stamping the rest pretty hard... Anyway...    36:39 - Podnapping - Higher or Lower (again)   AMA - readitpodcast@gmail.com - Ask Us Anything!

U.S. stocks are drifting lower.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Adam Crowley and Dorin Dickerson express how deflated they feel after the Steelers' 26-7 loss to the Buffalo Bills on Sunday.

In today's episode, Matt breaks down the exact charts, onchain signals, macro shifts, and psychological levels that forced him to hit the brakes, and the game plan he recommends for surviving this downtrend.~~~~~

Jesse Montano and Meghan Angley kick off December by unpacking Colorado's impressive back-to-back from the Holiday weekend. PLUS! The two make the case for Scott Wedgewood at the Olympics #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/Sports The Faster, Easier way to Refinance

This guided meditation supports you under the December 2025 Gemini Super Full Moon with a full-body energy clearing and activation. You'll work with Archangel Metatron and the sacred geometry of Metatron's Cube to reorganize your energy field, lift what's been heavy, and help your body feel more steady and regulated.We move through a gentle, step-by-step activation supporting your aura, chakras, nervous system, and emotional body. This practice helps clear the residue of the year so you can step into the next cycle feeling grounded, supported, and connected to your own energy.If you'd like tools to go deeper, you can download the free Full Moon Ritual Sacred Companion and listen to all my meditations ad-free inside the Soul Sparks Starter Library.

H1-Mon12/1/25-TCJS- "The Democrats do not want this nation to succeed " , "The man that shot the 2 Natl Guard troops is an Afghan National " , "Gas prices are lower ; Tim Waltz with over $1B taken by Somalians " , "The Seditious Six told our soldiers not to follow illegal orders "

RED BUBBLE STORE: https://rdbl.co/2BXMEkq DISCORD: https://discord.com/invite/uWZkb2a   3:11 - Read It On Reddit NGL the new format makes time stamping the rest pretty hard... Anyway...    36:39 - Podnapping - Higher or Lower (again)   AMA - readitpodcast@gmail.com - Ask Us Anything!

A video post!The Miro board used in the video can be accessed here:https://miro.com/app/board/uXjVJi6NCs8=/?share_link_id=616280785572(PS: Miro, I'd love another sweatshirt!)This framework explains why tools help in some situations and fail in others by grounding everything in the current state of a behavior. Every important behavior in an organization sits somewhere on a spectrum: it might be purely aspirational, weakly practiced, inconsistent, friction-heavy, fully stable, actively suppressed, or not even clearly defined. Each of these states is held back by different blockers—lack of clarity, lack of skills, lack of time, workflow friction, political risk, or social norms—and each requires a different kind of support. Using a behavior-design lens like COM-B, the idea becomes simple: tools only work when they address the real blocker. Sometimes their job is to scaffold early steps and turn aspiration into practice. Sometimes it is to remove operational drag from a behavior that already exists. Sometimes it is to create shared visibility and reduce political friction. Tools matter, but how they matter depends entirely on the behavioral context they are dropped into.Show Notes (AI Generated) The Core QuestionWhen do tools matter, and how do they matter?Answer: It depends entirely on the current state of the behavior you want to see.The Seven Behavior StatesA. Normal States* Aspirational / Not RealizedOnly talked about. No real practice.* Weakly RealizedPeople agree it matters and occasionally try it, but it gets displaced by urgency and habit.* Partially Realized / InconsistentHappens in pockets. Conflicting interpretations. Local successes that have not scaled.* Mostly Realized but Friction-FilledBehavior is accepted and happening, but it is painful due to workflow friction, manual effort, tool constraints, or time pressure.* Fully Realized / StableConsistent, predictable, routinized. Embedded norms. Change feels risky.Special States* Actively SuppressedCounter-behaviors, incentives, or power dynamics prevent the behavior.* Contested / UndefinedNo shared understanding of what the behavior even is or how it should show up.COM-B EssentialsA behavior emerges when people have:* Capability* Psychological: knowledge, mental models, clarity* Physical: skills, practice* Opportunity* Physical: time, tools, workflow space* Social: norms, permission, cues, legitimacy* Motivation* Reflective: beliefs, intentions, identity, political risk* Automatic: habits, impulses, shortcutsTools can influence any of these.How Tools Help Depends on the Behavior StateIf the behavior is…Aspirational / Not RealizedPrimary tool role:Turn aspiration into a repeatable practice.Strategies:* Provide structure and scaffolding* Make early steps easy* Visualize desired state* Reinforce identity and intentWeakly RealizedPrimary tool role:Lower activation energy and make it harder to forget or skip.Blockers:* Not enough time* Habit competition* Too many steps* Short-term urgency wins over long-term valueStrategies:* Reduce steps* Support self-regulation* Nudge and cue the behavior* Make it easy to startPartially Realized / InconsistentPrimary tool role:Create a shared frame without forcing uniformity.Strategies:* Clarify purpose* Help reconcile or visualize different interpretations* Provide minimally viable standardizationMostly Realized but Friction-FilledPrimary tool role:Remove operational drag.Blockers:* Workflow friction* Manual coordination* Confusing handoffs* Tool gapsStrategies:* Standardize routines* Streamline workflows* Make bottlenecks visible* Automate repetitive workFully Realized / StablePrimary tool role:Preserve what works while reducing risk and effort.Blockers:* Risk aversion* Fear of destabilizing the ritual* Manual grind that no one wants to mess withStrategies:* Automate low-value steps* De-risk changes* Protect institutional knowledgeContested / UndefinedPrimary tool role:Clarify, name, and frame the behavior.Strategies:* Make interpretations explicit* Help teams converge on a definition* Reveal misalignmentActively SuppressedPrimary tool role:Shift legitimacy, visibility, and power dynamics.Strategies:* Provide shared visibility* Depoliticize the behavior* Reinforce norms or incentives* Create social proofTool Change Vectors (How Tools Influence Behavior)Tools can work through different mechanisms depending on the blocker:Influencing Capability* Clarification* Instruction* Cognitive offloading* Guided workflows* ChecklistsInfluencing Opportunity* Automation* Better workflows* Reducing steps* Making time and spaceInfluencing Motivation* Social proof* Legitimacy* Identity cues* Reduced political risk* ReinforcementWhat This Means for AIAI's role will differ depending on the behavior state:* In aspirational states: scaffold early steps, provide examples, generate clarity.* In friction-filled states: remove manual overhead, automate stitching, reduce coordination cost.* In stable states: protect quality, ensure consistency, prevent regressions.* In contested states: help surface meaning, definitions, and distinctions.AI is another lever in the COM-B system — not magic, but highly state-dependent.The Core InsightTools always matter, but they matter in different ways depending on:* Which behavior you're trying to support* Where that behavior currently sits on the realization spectrum* What is actually blocking it (Capability, Opportunity, Motivation)Getting this right means choosing the right intervention instead of assuming tools “fix” or “don't fix” things. Get full access to The Beautiful Mess at cutlefish.substack.com/subscribe

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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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In this episode, Chris breaks down easy, practical ways to lower the calories in your meals without losing flavour or feeling deprived. You'll learn the swaps he uses daily, how to bulk up meals with high-volume foods, and the small changes that make fat loss far easier to stick to. Simple, sustainable, and perfect for anyone wanting to eat big while losing weight.

Building a Financial Advisory Firm That Puts Clients First: An Inside Look at the Process Meta Description: Discover why Tom Dupree founded Dupree Financial Group in Lexington, Kentucky—focusing on personalized investment management, team accountability, and retirement planning for local clients. For pre-retirees and retirees in Kentucky searching for personalized investment management, understanding the “why” behind your financial advisor matters just as much as the “how.” In this special episode of The Financial Hour of The Tom Dupree Show, Tom Dupree Jr. and Mike Johnson share the founding story of Dupree Financial Group—a journey that began with a simple walk in the woods near Natural Bridge in Kentucky in February 2002 and evolved into a comprehensive wealth management approach designed specifically for Lexington-area retirement investors. The Origin Story: From Brokerage Dissatisfaction to Independent Registered Investment Advisor Tom Dupree recalls the pivotal moment that sparked the creation of Dupree Financial Group. Walking through the woods with his young son James on his shoulders, he realized the traditional brokerage firm model wasn’t aligned with the future he envisioned for his family and clients. “I got this joy, this excitement in my heart thinking about doing this,” Tom explains. “I was in no position to do it at all. I didn’t have any money. Strangely, my banker approved me for a loan to actually go get the office space and get it fitted up. And that fit-up is still the same fit-up we’re using. We have not changed it.” The firm officially opened in 2003, but Tom identifies 2010 as the true beginning of Dupree Financial Group as it exists today. That’s when the firm disassociated from an outside brokerage and became an independent Registered Investment Advisor (RIA). “In 2010, we disassociated ourselves with an outside brokerage firm and became what’s called an RIA, a Registered Investment Advisor, which meant that now we’re not paying 25% of our revenues to an outside firm,” Tom shares. “That enabled us to do a lot more internally, and it really was the beginning of the firm that we know today.” Key Takeaways: Why Dupree Financial Group Started Client-focused mission: Created to serve average retirement investors who wouldn’t necessarily get attention from major brokerage firms Cost structure advantage: Lower overhead means smaller accounts receive meaningful attention and personalized service Local accountability: Designed specifically to respond to clients in Lexington, Kentucky, and the surrounding region Team approach: Built from the ground up to provide collaborative service rather than single-broker relationships Independence: Becoming an RIA in 2010 eliminated the pressure to use proprietary products and allowed true fiduciary responsibility Personalized Investment Management vs. Mass-Market Approaches One of the core distinctions Tom emphasizes is the difference between Dupree Financial Group’s model and the mass-market approach taken by larger national firms. Rather than assigning clients to investment counselors within a large hierarchy, Dupree Financial Group provides direct access to portfolio managers who actually research and select the investments. “When you’re talking to somebody, to one of us, the team that you’re talking to is also the team that is designing your investment portfolio, actually helping pick stocks and bonds to own in the portfolio,” Tom explains. “Now why is that a big deal? Well, when I was with Brand X, they had a guy in New York who was brilliant, and he really was brilliant, and he was a stock picker. You didn’t ever talk to him, but he would publish a list of things that you ought to buy.” That approach failed catastrophically during the 2001-2002 market downturn, when many clients saw portfolios decline 50% with little communication or accountability from their advisors. “It wasn’t so much the fact that everything went down, although that was a big part of it, but it was the lack of communication,” Tom notes. “It was not being willing to be accountable for what really had happened, and they just clammed up.” The Dupree Difference: Direct Access and Transparency Mike Johnson highlights several critical advantages of the Dupree Financial Group model: Team collaboration: Multiple professionals work together on research and portfolio management, producing better outcomes than single-advisor approaches Direct communication: Clients speak directly with the team members who make investment decisions Own investment selection: The firm conducts its own research and calls companies directly rather than relying on buy lists from headquarters Local presence: All revenues stay local and are reinvested in client services rather than flowing to Wall Street firms “The service team is way more aligned with the investment team,” Mike explains. “It’s not two separate functions sitting in the same room.” Investment Philosophy: Focus on Income and Risk Mitigation for Kentucky Retirement Planning Unlike money managers competing to beat specific indices, Dupree Financial Group takes a different approach focused specifically on retirement investors’ needs. This investment philosophy prioritizes income generation and risk mitigation over performance rankings. “We’re not trying to beat any index. We’re just investing in things that we see are good that we think meet our parameters for what we’re looking for,” Tom states. “The why is it’s a focus on risk mitigation, and it’s a focus on income. Those things actually make it pretty easy for us once we tie down the parameters of what we’re looking for.” Mike Johnson references a quote from investment manager Howard Marks that encapsulates a key industry problem: “If you want to be in the top 5% of money managers, you have to be willing to be in the bottom 5% too.” That statement, Mike explains, highlights the perverse incentives created when advisors chase index performance rather than focusing on actual client needs. Real Portfolio Examples: How the Strategy Works The team shares several examples of their investment approach in action: The 6.5% Dividend Stock: “We bought it in June. This company, our listeners would be familiar with. At the time, it had a six-and-a-half percent dividend yield, and the valuation was attractive when you look at the hard assets that they had. We felt some things could go right for the company over the next couple of years. And in the meantime, the stock had gone down significantly, so there was a lot of bad news priced in already. Since then, the stock has gone up to what we thought it would go up to over the next two to four years. It just did it in four months.” The Grocery Company: “We invested in a company the other day—it was a grocery company well known within Central Kentucky. It’s gotten cheap. We just knew it as being a household name that pays a small dividend.” The Clothing Brand: “It’s kind of a clothing company, well-known. It puts out some major, well-known brands. The thing’s gone from a hundred dollars to 30-something, so we decided to take a look there. That one pays a pretty good dividend.” These examples demonstrate the value-focused, income-oriented approach that differentiates Dupree Financial Group from index-chasing strategies. The Team Approach: Building Long-Term Relationships Over Transactions A fundamental principle at Dupree Financial Group is the shift from transactional relationships to ongoing partnerships. Tom explains how his years at major brokerage firms taught him what he didn’t want to replicate. “One thing that I learned in the big firms was that it’s always about the transaction. It’s about the trade,” Tom recalls. “You were constantly having to pursue that trade, do this trade with this client, do that trade with that client. I didn’t want it to be about the trade anymore. I wanted it to be about the relationship.” This philosophy manifests in several concrete ways: Regular review process: Unlike transactional brokerage relationships, Dupree Financial Group built systematic client reviews into the firm’s DNA from the beginning No pressure to sell: Because clients have already committed to the process, meetings focus on education and information rather than sales Team accountability: Multiple team members take responsibility for each client rather than the single-broker model Transparent communication: When investments don’t work out, the team explains why openly rather than avoiding difficult conversations “When our clients come in for a review or they call with a question, they know we’re not trying to sell them anything,” Mike emphasizes. “It’s informational. It’s actually something they can use.” Direct Company Research: An Uncommon Practice One aspect of Dupree Financial Group’s approach that sets them apart is their practice of directly contacting companies they invest in—something Tom notes is rare among medium and small-sized investment advisors. “We do calls with these companies. In some cases, we’ve gone to visit them—the actual company itself that we’re investing in,” Tom explains. “That would’ve been unheard of in our previous setup. A big part of what we do is talk to the clients—I say clients, the businesses that we invest in. We talk to them, we want to find out what they’re doing, learn a little bit about management and do the best we can to really do our due diligence.” This hands-on research approach provides insights that buy lists and analyst reports simply cannot match. Four Generations of Financial Service: The Dupree Family Legacy The commitment to serving clients runs deep in the Dupree family history. Tom shares how his grandfather entered the investment business around 1920 in Louisville, Kentucky, selling preferred stock for Louisville Gas and Electric directly to the public before moving into municipal bonds. “My grandfather was the first one of our line that was in the investment business,” Tom explains. “Then my dad got into the business after being in the navy, I think it was around 1955 in Harlan, Kentucky. Then me and now my two sons are in the business.” Tom’s father moved the family to Lexington in 1963 and founded Dupree and Company, which managed municipal bond issues and eventually started the Kentucky Tax Free Mutual Fund in 1979. “Their idea was always to make a thing for clients that the clients could use, that was a retail thing,” Tom notes. “And so I carried that concern for the clients into what I did when we started Dupree Financial Group.” This multi-generational focus on creating client-centered investment solutions forms the foundation of the firm’s culture today. Tom’s sons, Clark and James, are involved with Dupree Financial Group, making the fourth generation of Duprees in the investment business. The Evolution: Early Struggles to Established Success Tom is refreshingly transparent about the challenges of the firm’s early years. After opening in 2003, success didn’t come easily or quickly. “It certainly was frightening during those early days of opening the firm and wondering if anybody would ever show up,” Tom recalls. “We did all these seminars, lots of them, over a hundred. People would show up, and now and then we’d get a client out of it. It took a lot of work.” The firm began regular radio broadcasts around 2008, which helped build awareness and credibility in the Lexington community. But the real transformation came in 2010 with the transition to RIA status. “When we became an RIA, it opened up possibilities for investment options that we didn’t have before,” Mike reflects. “It got the pressure of the heavy hand off to use proprietary products. That hand was always on you. And so that was lifted. It was like the skies opened up that you had this flexibility now.” Mike adds a crucial point about this transition: “At the same time, that was a sobering feeling. Now it was on you. You can’t blame it on anybody. But from our client’s standpoint, that was something that was a positive because the accountability increased for the firm.” Client Retention: The Ultimate Validation Perhaps the strongest validation of Dupree Financial Group’s approach is client retention. Tom notes that the firm keeps clients longer and longer—a testament to the relationship-building model. “We seem to be keeping clients longer and longer, so evidently we did something right,” Tom observes. “Once we got the buggy built, we really haven’t fooled with it much. We’ve tried to do some tweaks here and there, but the basic chassis has served us pretty well.” Why the “Why” Matters for Kentucky Retirement Investors For pre-retirees and retirees evaluating financial advisors, understanding the “why” behind a firm’s approach provides crucial insight into what kind of service you’ll receive. Dupree Financial Group’s founding principles remain consistent today: Serve retirement investors who might not get attention from large brokerage firms Maintain local presence and accountability in Lexington, Kentucky Provide team-based service rather than single-advisor relationships Focus on income and risk mitigation rather than index performance Conduct independent research and select individual investments Build long-term relationships rather than pursuing transactions Communicate transparently about both successes and setbacks As Tom reflects: “It really wasn’t about the investment performance. It’s about the touch, it’s about the accountability, those sorts of things. And that’s the kind of thing we’ve set up. That was what I envisioned when I started this thing—that we would give the clients more of what they should have been getting at the Wall Street firms.” Ready to Experience the Dupree Financial Group Difference? If you’re approaching retirement or already in retirement and want a local financial advisor who prioritizes transparency, accountability, and personalized service, Dupree Financial Group invites you to experience the difference that a client-first approach makes. Schedule your complimentary portfolio review today: Call: (859) 233-0400 Visit: www.dupreefinancial.com Get Personalized Analysis: Request your portfolio consultation Don’t settle for mass-market investment approaches or impersonal service from distant Wall Street firms. Work with a team of Kentucky financial advisors who do their own research, communicate directly with you, and keep your retirement goals at the center of every decision. Explore more insights on Kentucky retirement planning strategies and listen to additional episodes in our Market Commentary archive. Frequently Asked Questions About Dupree Financial Group What makes Dupree Financial Group different from large brokerage firms? Dupree Financial Group operates as an independent Registered Investment Advisor (RIA), meaning the firm doesn’t pay commissions to Wall Street parent companies and doesn’t face pressure to use proprietary products. The team that meets with clients is the same team that researches and selects investments, providing direct accountability and transparency. All revenues stay local and reinvest in client services rather than flowing to distant corporate headquarters. Why did Tom Dupree start his own financial advisory firm? Tom founded Dupree Financial Group in 2003 after 19 years with a major brokerage firm, where he witnessed the limitations of the transactional, sales-focused model. He envisioned creating a firm that would serve average retirement investors with personalized attention, team-based accountability, and a focus on long-term relationships rather than individual trades. The firm became truly independent in 2010 when it transitioned to RIA status. What is the investment philosophy at Dupree Financial Group? Unlike money managers competing to beat specific indices, Dupree Financial Group focuses on income generation and risk mitigation for retirement investors. The team conducts its own research, including direct calls to companies they invest in, and selects individual stocks and bonds based on dividend yield, valuation, and margin of safety rather than trying to match or beat market benchmarks. How does the team approach at Dupree Financial Group benefit clients? The team model means clients receive the collective expertise of multiple professionals rather than relying on a single advisor’s perspective. Multiple team members share responsibility for each client account, improving service levels and ensuring continuity. This collaborative approach produces better research outcomes and provides clients with consistent access to knowledgeable professionals. What types of clients does Dupree Financial Group serve? Dupree Financial Group specializes in serving pre-retirees and retirees, particularly those who might not receive personalized attention from large brokerage firms. The firm’s cost structure allows them to provide meaningful, customized service to clients with retirement accounts of various sizes, with a focus on the Lexington, Kentucky area and surrounding regions. How often does Dupree Financial Group communicate with clients? Regular client reviews are built into the firm’s DNA from the beginning. Unlike transactional brokerage relationships where communication happens only when making trades, Dupree Financial Group maintains ongoing dialogue with clients through systematic review processes. These meetings focus on education and information rather than sales, since clients have already committed to the firm’s investment process. Does Dupree Financial Group charge fees or commissions? As a fee-based Registered Investment Advisor, Dupree Financial Group operates under a fiduciary standard, meaning it’s legally required to act in clients’ best interests. This fee-based structure eliminates conflicts of interest inherent in commission-based brokerage relationships and aligns the firm’s success with client outcomes. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your specific situation. The post Why Independent Financial Advisors Choose Income Over Index Performance for Retirement Portfolios appeared first on Dupree Financial.

#ThisMorning | Should you #Wait for the #FederalReserve to Lower #Rates before #Buying a #Home? | Carl Delmont, Freedmont Mortgage | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness 

Anthony opens up about his weight loss goals for this winter so he can be at race weight for the season ahead. He needs to lose 9kgs. But how is he going to lose this big number? How will he lose all this weight without losing power? Today Anthony invited Sam Impey, World Tour Nutritionist to help him build his fuelling strategy from scratch.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.

Why marry? Jane Austen began her novel Pride and Prejudice with the observation "It is a truth universally acknowledged, that a single man in possession of a good fortune, must be in want of a wife". Recent figures from the Office of National Statistics show less than half the adult UK population are married or in a legal partnership and predictions are that by 2050, only 3 in 10 people in the UK will marry.Shahidha Bari hosts Radio 4's round-table discussion programme Free Thinking, which brings together philosophical and historical insights in a conversation about issues resonating in the present day. Her guests this week are: columnist Zoe Strimpel, who has been considering the history and current state of the family in a 5 part series running on Radio 4 this week Professor Diarmaid MacCulloch, biographer of Thomas Cromwell and author of Lower than Angels: A history of Sex and Christianity Dr Reetika Subramanian from the University of East Anglia, who hosts a podcast called Climate Brides. Reetika is one of Radio 4's current researchers in residence on the New Generation Thinkers scheme run in partnership with the Arts and Humanities Research Council. Psychoanalyst and literary scholar Josh Cohen Philosopher and film scholar Catherine WheatleyProducer: Luke Mulhall

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.

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,

The Oracle of Omaha is officially "going quiet."  In a rare and deeply personal announcement, Warren Buffett published what appears to be his final press release to shareholders. This episode isn't about taxes, investing, or the latest market headlines. It's about how one of the most successful investors of all time is thinking about money, family, aging, and what actually matters when the scoreboard stops moving. In this Thanksgiving special, I break down: ▶ Why he chose to say this now (at age 95!) ▶ What retirement savers and investors can learn from his message ▶ How his parting wisdom can change the way you use your time and wealth If you've ever wondered what your future self might wish you'd paid more attention to today, this conversation is for you. Tune in for the deeper meaning behind Buffett's Thanksgiving sign-off ("yes, even the jerks") and what it reveals about redefining success in the second half of life. ***

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Most people assume that normal cholesterol means a healthy heart, but that isn't always the case...     On today's show, we dive into why Apolipoprotein B (ApoB) is one of the most important yet overlooked markers for assessing true cardiovascular risk.     You'll learn why ApoB can reveal hidden plaque formation even when LDL appears normal, the ideal range to aim for, and why inflammation and metabolic health often matter more than total cholesterol alone.     We'll also explore the deeper factors that influence heart health, including insulin resistance, thyroid function, gut permeability, hormonal changes, diet, stress, and sleep.      Join me on today's Cabral Concept 3581 to discover what your cholesterol panel may be missing and how to take a more accurate, proactive approach to protecting your heart.     Enjoy the show!   - - - For Everything Mentioned In Today's Show: StephenCabral.com/3581 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!