Podcasts about lowering

In this episode of the Get Strong Podcast, we discusses the importance of navigating bad days and how to work through them in a healthier way. Jessie emphasizes the role of physical movement in improving mental clarity and emotional well-being, sharing personal experiences and scientific insights on how exercise can help manage stress and boost mood. She encourages listeners to embrace challenges as opportunities for growth and to recognize their strength, especially during tough times. takeaways Don't let your bad days turn into bad weeks. It's important to work through hard emotions. Movement can change your mood and energy. Exercise releases endorphins that lift your mood. Lowering cortisol levels helps manage stress. You can find strength in adversity. Ask yourself how you can grow through challenges. Movement is not just about fitness; it's about mental health. You are worthy of your dreams and goals. Every obstacle is an opportunity for growth. Hydration Packets: https://amzn.to/3UeEuZK Gut and Go: The probiotic & prebiotic fiber drink for gut health and regularity. Balances good bacteria & keep it on the regular with this synbiotic Raspberry drink elixir. You'll get the benefits of probiotics and prebiotics in one tasty Raspberry drink with 10 billion CFUs of three clinically proven probiotic strains and 3 g of prebiotic fiber. https://us.shaklee.com/en_US/jessie/Nutrition/MultiTaskers/Good-Gut-&-Go/p/21505?categoryCode= Meal Guide: https://meals.fasterwaytofatloss.com/free-meal-guide-coach?aid=JESSIEMERSHON Macro Cheat Sheet: https://www.fasterwaycoach.com/guides/free-macro-cheat-sheet#JESSIEMERSHON Don't forget to like, subscribe, and share this episode with someone who needs encouragement. Waitlist for my May Macros Course https://forms.gle/o86wCVTDRuSeLpre8 7 Days of Gratitude https://www.canva.com/design/DAGdWiPIVDY/-V25BwergxQZQweG7em86A/view?utm_content=DAGdWiPIVDY&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h0246f8cb4b Take your personalized vitamin quiz here: https://meology.shaklee.com/?country=US&lang=en_US&site=jessie 1:1 Mindset Coaching: E-mail JessieMershon@gmail.com Connect with me at https://www.instagram.com/jessiemershon

Nicholas Gaudern, CTO of Denmark-based Power Curve, discusses how advanced blade scanning, aerodynamic upgrades, and the AeroVista tool are transforming wind turbine performance analysis. PowerCurve helps operators use real data to maximize AEP and make smarter decisions about blade maintenance and upgrades. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard's StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes' YouTube channel here. Have a question we can answer on the show? Email us! Allen Hall: Nicholas, welcome back to the podcast. Hi. Thanks Allen. Good to see you again. There's a lot going on in wind right now. Obviously the elections that happy the United States are changing the way that a lot of US based operators are thinking about their turbines and, and particularly their blades. I've noticed over the last, even just couple of weeks that. Operators and the engineers are paying more attention to what they're actually getting on site. Nicholas Gaudern: Yes. Allen Hall: Instead of, uh, the sort of the full service agreement where, hey, they're under warranty for two years, I don't really need to do anything for a little while approach. That's changing into, I want to know what arrives on site, what am I getting and what problems are there with these particular blades that I may not know about because they're new to me. Even though these blades, there may be thousands of these blades out in service. Mm-hmm. Me, my company doesn't know. Yep. How they operate. How they perform, particularly at this, this new site, I'm Repowering or, [00:01:00] or building new. That is a complete shift. From where it was a year ago, two years ago, five years ago. Yeah. And I think the biggest performance piece that people are looking at is aerodynamics, and I'm trying to understand how these blades perform, how they move. Yes. What kind of loads there are, what kind I expect over the next year or two. And I think they're just becoming now aware of maybe I need to have a game plan. Nicholas Gaudern: Mm-hmm. Allen Hall: And I, and that's where power curve comes in, is like in the sense of have a king plan. Understand what these plates are all about. Yeah, yeah. And try to characterize 'em early rather than later. Nicholas Gaudern: Yeah, exactly. I think there's been an increased focus on, on data and for operators, as you say, to understand more what they're getting and not necessarily relying on just what they're told. So, uh, I think a nice case study of that is last year we were helping a customer to build a, a digital twin. Uh, of one of their turbine models that they, that they purchased. So what that involved [00:02:00] is, uh, going to site, doing a laser scan of a blade, understanding geometry, helping them to build up some aerodynamic and structural models of that blade. So then that customer was going to build an AEL model themselves of that turbine so that they could run load calculations. They could look at, uh, site specific, uh, changes that could be relevant to that turbine's configuration or how they operated it. And this isn't really something that you saw a lot of, uh, a few years ago, but I think it's great that operators, particularly when they have a larger engineering capacity, are starting to get into that game. Uh, and it's tough because it's a lot of what the OEMs do, it's their kind of specialist knowledge, but there's a lot of smart people out there. Uh, there's a lot of companies you can work with to help gather that data and build these products up. Allen Hall: The OEMs right now are. Lowering the number of engineers. Nicholas Gaudern: Mm-hmm. Allen Hall: Staff reductions. Yeah. Uh,

In this episode, we dive into Pro-Resolving Mediators, compounds that actively work to resolve inflammation in the body. These compounds are vital for athletes and anyone looking to optimize recovery and improve overall health and longevity. Download the Patreon app to join our free Community (@isnpodcast) or become a supporter of the show by joining our low-cost Silver or Gold level membership. -------Subscribe to our show to get the weekly episodes and also check out the YouTube channel.You can help us remain 100% ad-free and get access to exclusive bonus content and behind-the-scenes conversations with Bob and Dina. Join our Patreon community or find us in the Patreon app by searching ISNPodcast.We'd love to connect with you on Instagram @isnpodcast and on Facebook @insidesportsnutrition And when you're ready to level up your health and performance even more, check out the services offered by Bob and Dina at their respective businesses.

Ever wonder if it's possible to change the foods you crave? In this episode, I share my personal journey—from being the “human trash can” who couldn't say no to chips and wings, to genuinely desiring foods that fuel my body and support my goals. Despite being really into fitness and eating quality food the majority of the time, the 20% of the time when I'd want all of the “bad” food felt like it was throwing me off. Here are a few examples of what we cover: Lowering hunger hormones so cravings naturally fade. Resetting your taste buds and creating high-quality alternatives, so your go-to “treats” are ones that fit your goals. Raising your standards around food choices, so what you put into your body aligns with the identity you want to step into. If you've ever felt like your cravings get in the way of consistency, this episode will show you how to reprogram your desires so healthy eating feels natural all of the time.  [Take the Quiz] What are you missing to Be Fit, Well-Fed, and Fully Energized? Work with Jenny the Nutritionist in Create Your Shape:https://jennythenutritionist.com/create-your-shape/Follow Jenny the Nutritionist on Instagram:@jennythenutritionist

Tune in to episode 225 of Joy Found Here as executive coach and author Barbara Burgess shares how lowering the bar creates freedom and joy. Learn how her concept of “Enough” and the power of boundaries can transform how you define success.In this episode, I'm joined by Barbara Burgess, an executive coach, author, and speaker helping leaders and individuals embrace authenticity and redefine success. After over 20 years in corporate leadership, she founded Corluma, a consultancy for heart-centered transformation. She is the author of Enough: Finding Peace in a World of Distractions, Hustle, and Expectations, which invites readers to let go of comparison and embrace their worth. Barbara has also brought her message to the stage with a one-woman show exploring identity, boundaries, and grace. A late-in-life mother of two, she blends personal insight with professional expertise to empower others with confidence, purpose, and joy.Throughout this episode, Barbara speaks candidly about leaving corporate life for a more authentic and creative path. She highlights the value of honesty over small talk, the courage to admit struggles, and the deeper connections that follow. She explores the toxic pull of comparison, explains how “Enough” emerged as both a felt sense of peace and the foundation of her book, and shows how dropping expectations creates freedom and possibility. Barbara also stresses unapologetic boundaries, shares lessons from her one-woman show, and champions permission and choice as the true starting points for fulfillment. Her message is clear: you are already enough—and from that truth, everything becomes possible.In This Episode, You Will Learn:Beyond titles: Choosing to show up as human (3:41)Honesty over perfection in motherhood (5:23)The power of permission and grace (8:53)Comparison kills: Escaping the ladder (13:41)Lowering expectations to the floor (27:31)Boundaries without apology (32:37)The one-woman show: Exploring alternate realities (39:48)Redefining success and freedom (47:26)Final reminder: you are already enough (53:33)Connect with Barbara Burgess:WebsiteLinkedInBook: Barbara Burgess - enough.: finding peace in a world of distractions, hustle, and expectationsLet's Connect:WebsiteInstagram Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Kidney Stone Diet Podcast, hosts Jeff Sarris and Jill Harris discuss the critical aspects of preventing kidney stones, emphasizing the importance of hydration over oxalate reduction. Jill explains that many people focus too much on oxalate while neglecting adequate fluid intake, which is essential for preventing stone formation. They also touch on the variability of individual responses to dietary changes and the resources available for managing kidney stone risk.You won't prevent kidney stones until you do thisTakeawaysYou won't prevent kidney stones until you do this.Lowering your oxalate is the least important part.Drinking enough water is really, really important.You want those out of your body.Water is the most important thing.The kidney stone diet goals are essential.You have to dilute your urine.Everybody's different with change.Nutrition always changes, products change.The goal is to lower the amount of crystals.Chapters00:00 Introduction to Kidney Stone Prevention03:00 The Importance of Hydration05:43 Understanding Oxalate and Its Role08:46 Resources for Kidney Stone Management——HAVE A QUESTION? _Leave us a voicemail at (773) 789-8764.KIDNEY STONE DIET® APPROVED PRODUCTSProtein Powders, Snacks, and moreWORK WITH JILL _Start HereKidney Stone Diet® All-Access PassKidney Stone Diet® CourseKidney Stone Diet® Meal PlansKidney Stone Diet® BooksPrivate Consultation with JillOne-on-One Deep Dive24-Hour Urine AnalysisSUPPORT THE SHOW _Join the PatreonRate Kidney Stone Diet on Apple Podcasts or Spotify——WHO IS JILL HARRIS? _Since 1998, Jill Harris has been the #1 kidney stone prevention nurse helping patients reduce their kidney stone risk. Drawing from her work with world-renowned University of Chicago nephrologist, Dr. Fred Coe, and the thousands of patients she's worked with directly, she created the Kidney Stone Diet®. With a simple, self-guided online video course, meal plans, ebooks, group coaching, and private consultations, Kidney Stone Diet® is Jill's effort to help as many patients as possible prevent kidney stones for good.

Nevena and John are joined live on air by Dr Monique Ryan MP. Member for Kooyong; as they discuss lowering the voting age to 16. Dr. Ryan an Australian politician... LEARN MORE The post Saturday, 30th August, 2025: Dr Monique Ryan, Independent MP for Kooyong; Lowering the Voting Age to 16 and Transparency over Moderna. appeared first on Saturday Magazine.

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 Come to sleep, my love, it's time to rest.  Turn off the thoughts inside your head and let your body fall deeply into the comforting arms of sleep.  Close your eyes and invite your body to relax into your most favorite sleeping position. Bring your attention inward. Noticing the weight of your body on your bed. Feeling the softness of your sheets or blankets. Hearing the soft whispers of your breath as it enters and exits your nose. Observing where your body may be tight and inviting those areas to relax. Relaxing your cheeks and jaw. Lowering your shoulders, Softening your belly, Relaxing your arms and legs. Surrender to the soothing rhythm of your body, And breathe. PAUSE… One by one, the thoughts may bubble up to the surface of your consciousness. Begging for your attention. They tease you with a false sense of importance, Making you feel like you have to give into their cries. But you don't.   Their dramas don't need to be played out right now.  Now is your time for sleep.  Your time to restore your mind, body and soul. Your time to be embraced by the loving arms of the night. Nothing needs to be done.  Nothing needs to be figured out.  Just breathe… 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,

Preview: Federal Reserve. Colleague Veronique de Rugy comments on the likely necessity of the Federal Reserve being called to stabilize the country by lowering rates to offset the uncollectable debt from unrestrained spending. More later. 1917

EP. 228: Grab my FREE 4 Part Video Series: GLP1s Uncovered: https://bit.ly/GLP1uncovered On this episode, I'm chatting with my amazing friend Dr. Anna Cabeca, the Girlfriend Doctor. She's triple board-certified in gynecology and obstetrics, integrative medicine, and anti-aging and regenerative medicine, with over 30 years of experience in functional medicine, sexual health, and bioidentical hormone replacement. Dr. Anna and I cover the world of oxytocin, vaginal health, and women's hormones. We cover everything from pain management to intimacy, topicals, and how to navigate menopause without overmedicalizing it. This is such a fun, informative, and honest conversation.  Topics Discussed: → What is oxytocin and why is it important for women's health? → How can vaginal health impact intimacy and hormone balance? → What are safe and effective ways to use oxytocin? → How does menopause affect hormones, connection, and wellbeing? → What are the best strategies for managing pelvic floor health and vaginal atrophy? Sponsored By: → BIOptimizers | For 15% off go to bioptimizers.com/drtyna and use promo code DRTYNA → LMNT | Get a free 8-count Sample Pack of LMNT's most popular drink mix flavors with any purchase at drinklmnt.com/drtyna. Find your favorite LMNT flavor, or share with a friend. → LVLUP | Head over to LVLUPHealth.com and use code DRTYNA at checkout to get 20% off your order sitewide.  → Timeline | Head to timeline.com/DRTYNA and get 20% off with code DRTYNA  → Liver Love | Go to https://store.drtyna.com/products/liverlove Use code LIVER20 for 20% off On This Episode We Cover:  → 00:00:00 - Introduction  → 00:01:49 - Importance of oxytocin   → 00:04:41 - Uses & dosing of oxytocin  → 00:09:49 - Overcoming pain  → 00:16:39 - Lowering cortisol  → 00:20:44 - Sunlight, infrared light, + mood → 00:22:00 - Community, pleasure, hormones  → 00:30:37 - Oxytocin & women's hormones  → 00:38:15 - Not medicalizing menopause  → 00:42:07 - Menopause's impact on the family  → 00:44:40 - Prioritizing connection  → 00:48:02 - Withholding oxytocin  → 00:50:06 - Intimacy and sexual health  → 00:54:09 - Vaginal health  → 00:55:37 - Vaginal atrophy   → 01:01:54 - Pelvic floor integrity  → 01:02:36 - Lichen Sclerosus  → 01:06:34 - More than estradiol & estriol   → 01:11:12 - Chronic UTIs   → 01:14:56 - Topical hormones  Further Listening:  → EP: 227 | How I Broke Free From The Pain Trap | Solo Check Out Dr. Anna:  → Website  → Instagram → YouTube → Dr. Anna's Julva Moisturizer Disclaimer: Information provided in this podcast is for informational purposes only. This information is NOT intended as a substitute for the advice provided by your physician or other healthcare professional, or any information contained on or in any product. Do not use the information provided in this podcast for diagnosing or treating a health problem or disease, or prescribing medication or other treatment. Always speak with your physician or other healthcare professional before taking any medication or nutritional, herbal or other supplement, or using any treatment for a health problem. Information provided in this blog/podcast and the use of any products or services related to this podcast by you does not create a doctor-patient relationship between you and Dr. Tyna Moore. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent ANY disease.

Recent data from the CDC shows that Utah has the highest rates of nonfatal drug overdoses in the United States. Salt Lake Harm Reduction Project (SHRP) is trying to make naloxone more readily available for Utahns, all in the hopes of reducing this unsettling trend. Executive Director of SHPR MacKenzie Bray spoke to Maria Shilaos about efforts to bring opioid overdoses down. International Overdose Awareness Day is on Sunday, August 31st.

Let's settle this cinnamon thing once and for all. In this episode, Jess looks at what the research really says about cinnamon and blood sugar, and how to use it in real life. You'll learn about the different types of cinnamon, dosage ranges from studies, and why it's helpful but not magical. Perfect for anyone eyeing their spice rack for solutions.If you're living with diabetes or prediabetes and want personalized support from a Registered Dietitian Nutritionist covered by insurance, visit diabetesdigital.co to connect with our culturally aware and weight-inclusive team. And if you love the show, don't forget to rate and review us on iTunes or Spotify—it makes a huge difference! For additional resources and show notes, head to diabetesdigital.co/podcast.

Our Head of Corporate Credit Research Andrew Sheets discusses why a potential start of monetary easing by the Federal Reserve might be a cause for concern for credit markets. Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Head of Corporate Credit Research at Morgan Stanley. Today – could interest rate cuts by the Fed unleash more corporate aggressiveness? It's Wednesday, August 27th at 2pm in London. Last week, the Fed chair, Jerome Powell hinted strongly that the Central Bank was set to cut interest rates at next month's meeting. While this outcome was the market's expectation, it was by no means a given.The Fed is tasked with keeping unemployment and inflation low. The US unemployment rate is low, but inflation is not only above the Fed's target, it's recently been trending in the wrong direction. And to bring inflation down the Fed would typically raise interest rates, not lower them. But that is not what the Fed appears likely to do; based importantly on a belief that these inflationary pressures are more temporary, while the job market may soon weaken. It is a tricky, unusual position for the Fed to be in, made even more unusual by what is going on around them. You see, the Fed tries to keep the economy in balance; neither too hot or too cold. And in this regard, its interest rate acts a bit like taps on a faucet. But there are other things besides this rate that also affect the temperature of the economic water. How easy is it to borrow money? Is the currency stronger or weaker? Are energy prices high or low? Is the equity market rising or falling? Collectively these measures are often referred to as financial conditions. And so, while it is unusual for the Federal Reserve to be lowering interest rates while inflation is above its target and moving higher, it's probably even more unusual for them to do so while these other governors of economic activity, these financial conditions are so accommodative. Equity valuations are high. Credit spreads are tight. Energy prices are low. The US dollar is weak. Bond yields have been going down, and the US government is running a large deficit. These are all dynamics that tend to heat the economy up. They are more hot water in our proverbial sink. Lowering interest rates could now raise that temperature further. For credit, this is mildly concerning, for two rather specific reasons. Credit is currently sitting with an outstanding year. And part of this good year has been because companies have generally been quite conservative, with merger activity modest and companies borrowing less than the governments against which they are commonly measured. All this moderation is a great thing for credit. But the backdrop I just described would appear to offer less moderation. If the Fed is going to add more accommodation into an already easy set of financial conditions, how long will companies really be able to resist the temptation to let the good times roll? Recently merger activity has started to pick up. And historically, this higher level of corporate aggressiveness can be good for shareholders. But it's often more challenging to lenders. But it's also possible that the Fed's caution is correct. That the US job market really is set to weaken further despite all of these other supportive tailwinds. And if this is the case, well, that also looks like less moderation. When the Fed has been cutting interest rates as the labor market weakens, these have often been some of the most challenging periods for credit, given the risk to the overall economy. So much now rests on the data what the Fed does and how even new Fed leadership next year could tip the balance. But after significant outperformance and with signs pointing to less moderation ahead, credit may now be set to lag its fixed income peers. Thank you as always for listening. If you find Thoughts to the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.

Will a Fed rate cut really make a difference? There is a lot of noise right now about whether the Federal Reserve will cut rates by 25, 50, or even more basis points. But the real question is not just if they cut, it is why they are cutting and how markets will interpret it. In this episode, Jeannette Friedrich breaks down what a rate cut actually means, which parts of the economy it touches, and where the real impact may (or may not) show up. Key Takeaways: - What the Fed really controls: The federal funds rate affects short-term borrowing costs like credit cards, auto loans, and HELOCs, but not directly mortgages. - Why mortgage rates do not move in lockstep: Mortgages are tied to the 10-year Treasury yield and inflation expectations, not the Fed's policy rate. - Market perception matters: A proactive cut can boost confidence, while a reactive cut may signal trouble and spook markets. - Lagged effects: Any impact from rate cuts plays out over months, not days. - Winners and losers: Borrowers with variable-rate loans may benefit, while savers could see returns on CDs and money market accounts decline. - The bottom line: Rate cuts are more about signaling than substance. The key is asking why the Fed is cutting and how markets interpret the move. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   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 in 188 world nations. He has a list show guests and key 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   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 prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

The childhood parallels are almost too perfect. The government-as-Santa-Claus model is a classic. It promises gifts (entitlements, stimulus checks, student loan forgiveness) funded by an infinite, mystical workshop (the taxpayer) run by elves who never sleep (the IRS). The Tooth Fairy government swaps your hard-earned tooth (paycheck) for a shiny coin (a tax return or a social program), performing a magical transaction that obscures the sheer volume of teeth it's collecting to fund the operation.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you exhausted from tracking every cycle, researching every supplement, and still not seeing results? If you've been told you have low AMH, high FSH, diminished ovarian reserve, premature ovarian insufficiency, or even that donor eggs are your only option, this episode is for you. Here's what you'll learn: Why perfectionism, stress, and overthinking can silently sabotage egg quality, ovulation, and implantation. How chronic “control mode” keeps your body in fight-or-flight, blocking conception. Functional fertility insights that reveal hidden imbalances behind infertility. Simple nervous system and mindset tools to shift from stress to safety so your body feels ready to conceive.

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 Come to sleep, my love, it's time to rest.  Turn off the thoughts inside your head and let your body fall deeply into the comforting arms of sleep.  Close your eyes and invite your body to relax into your most favorite sleeping position. Bring your attention inward. Noticing the weight of your body on your bed. Feeling the softness of your sheets or blankets. Hearing the soft whispers of your breath as it enters and exits your nose. Observing where your body may be tight and inviting those areas to relax. Relaxing your cheeks and jaw. Lowering your shoulders, Softening your belly, Relaxing your arms and legs. Surrender to the soothing rhythm of your body, And breathe. PAUSE… One by one, the thoughts may bubble up to the surface of your consciousness. Begging for your attention. They tease you with a false sense of importance, Making you feel like you have to give into their cries. But you don't.   Their dramas don't need to be played out right now.  Now is your time for sleep.  Your time to restore your mind, body and soul. Your time to be embraced by the loving arms of the night. Nothing needs to be done.  Nothing needs to be figured out.  Just breathe… PAUSE… The thoughts will continue to arise and that's normal.  They may be helpful thoughts, trying to manage or organize your days. Or maybe they're excited thoughts, swirling with people, ideas and experiences that make you smile with hope and exhilaration. Or maybe they're anxious thoughts, soaked in worry, fear and stress. They could even be seemingly random and strange thoughts, depicting memories or insights that don't make much sense. Whatever is coming to the surface,  See if you can imagine each of these thoughts as a small glowing ball of light, floating in the air around you. And every time you breathe out, Imagine that your breath extinguishes the light on one of these thoughts, one of these balls of light. Breathe out and turn off the thoughts. One by one.  With each breath out.  Darkening the space around you as each ball of light turns off and vanishes into the night.  Breathe out. Breathe out. 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,

How People Are Lowering Their Blood Pressure Naturally.Featuring Mark Lucus (patient), Dr. Joseph Marek (Cardiologist & Hypertension Specialist, IL), and Dr. Henry Black (Former President of the American Society of Hypertension).Welcome to the Hypertension Resistant to Treatment Podcast, the #1 Hypertension Podcast in the world, with listeners from more than 152 countries who depend on our content. We are your primary resource for obtaining straightforward, practical, evidence-based information about high blood pressure management, regardless of your situation as a patient, healthcare provider, or family member. High blood pressure isn't always simple. The condition known as resistant hypertension affects many people who have high blood pressure that does not respond to medication or lifestyle changes. The medical field identifies treatment-resistant hypertension as a demanding yet vital medical condition that doctors encounter in their practice. The Hypertension Resistant to Treatment Podcast, website, and YouTube channel highlight the most challenging cases because these individuals have attempted multiple solutions without achieving any resolution. This podcast is here for them, but also for anyone touched by high blood pressure. Whether you're just starting your journey with prehypertension, you're living with long-standing hypertension, or you're a provider searching for better strategies to help your patients.The right place exists for those seeking answers, motivation, and success tools. The podcast Hypertension Resistant to Treatment presents blood pressure information in an easy-to-understand format that helps people control their condition. The Hypertension Resistant to Treatment podcast is hosted by Dr. Tonya Breaux-Shropshire, PhD, DNP, MPH, FNP-BC. Pubmed, Research Gate, UAB Alumni, and Research SymposiumSend us a text Support the showSupport the podcast by subscribing using this link: click here. We appreciate your support, thank you! Log your blood pressure and share with your provider (click here). Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education, and research.Royalty-free music: Turn on My Swag 2 Epidemic Sound****Disclaimer: This podcast is for educational purposes only and is not medical advice. Always consult your own healthcare provider about your health. The views shared are those of the host and guests, and do not represent any other organization.”

✒️ How to Modify Your Divorce Agreement in Contra Costa County | Contra Costa Divorce

BUSINESS: BSP to keep lowering interest rates amid economic uncertainties, Fitch unit predicts | Aug. 22, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes#KeepUpWithTheTimesSubscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

focus. The Fed released their meeting minutes yesterday which were more hawkish than expected. President Trump called for the resignation of Fed Gov Lisa Cook due to questions over her personal finances. The move is seen as an attempt to stack the Fed with members who are inclined to lower short term rates. Lowering short-term interest rates in an environment of rising inflation tends to cause long-term rates to move higher, which can negatively impact the markets. The Fed's Jackson Hole event starts today; this event is expected to have significant policy implications for inflation, growth, and central bank strategy going forward.  NDSN & YMM are higher after earnings releases, WMT & CODY are lower. After the bell today. INTU. WDAY, ROST & ZM are expected to release.

H1 - Segment 3 - Thur Aug 21 2025 - The Feds get together in Jackson Hole, Wyoming talking about raising or lowering interest rates

H1 - Segment 4 - Thur Aug 21 2025 - Interest rates are ridiculous can't buy a house Lowering will increase the demands for home -

In the third hour, Mac & Bone address the Panthers fans that are claiming to have lowered their expectations for the upcoming season, after some struggles in the preseason, Adam Gold joins the show for his weekly conversation, and Hunter Bailey provides an update on 49ers camp See omnystudio.com/listener for privacy information.

Commentary by Dr. Marie Pigeyre.

Why do our elected officials so comfortable saying on camera they are breaking laws? Have these politicians really changed or are they just saying what you want to hear? There seems to be a lot of talk from the GOP but where is the action. Lowering standards for the sake of diversity. Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Willard and Dibs listen to Kyle Shanahan talk about the 2025 season ahead for the 49ers. Is Shanahan lowering expectations for the season?

Today on CarEdge Live, Ray and Zach discuss the latest data on new and used car prices and surprisingly, some brands prices are coming down. Tune in to learn more!

Over more than 30 years, Featherstone Farm has grown their CSA and wholesaling to the point where they are now growing on 135 acres and have scaled up some of their major crops- for one example, they are storing 120 tons or more of carrots every year. These are distributed through their CSA and wholesaling. Though Featherstone has gotten a lot bigger over the years, they have remained committed to high agricultural standards with a Real Organic Project certification and high standards for the nearly 50 farm workers that they employ.Jack Hedin started the farm with his wife in 1994, and Abby Benson is the farm's production manager and part of the leadership team. In this interview with host Katie Kulla, Jack and Abby discuss overcoming the production and logistics challenges that saw the farm grow from a much smaller size to having as many as 1400 CSA members in some years. Farming is never without a challenge, though, and they discuss how changing weather patterns are resulting in prolonged wet periods that threaten many of their crops with increased disease pressure, and how they are planning for other challenges to keep the farm healthy into the future.Connect With Guest:Instagram: @featherstonefarmmnWebsite: featherstonefarm.com Podcast Sponsors: Huge thanks to our podcast sponsors as they make this podcast FREE to everyone with their generous support: Nifty Hoops builds complete gothic high tunnels that are easy to install and built to last. Their bolt-together construction makes setup straightforward and efficient, whether it's a small backyard hoophouse, or a dozen large production-scale high tunnels- especially through their community build option, where professional builders work alongside your crew, family, or neighbors to build each structure- usually in a single day. Visit niftyhoops.com to learn more. BCS two-wheel tractors are designed and built in Italy where small-scale farming has been a way of life for generations. Discover the beauty of BCS on your farm with PTO-driven implements for soil-working, shredding cover crops, spreading compost, mowing under fences, clearing snow, and more – all powered by a single, gear-driven machine that's tailored to the size and scale of your operation. To learn more, view sale pricing, or locate your nearest dealer, visit BCS America. Farmhand is the all-in-one virtual assistant created for CSA farmers. With five-star member support, custom websites, shop management, and seamless billing, Farmhand makes it effortless to market, manage, and grow a thriving CSA. Learn more and set up a demo with the founder at farmhand.partners/gfm.Subscribe To Our Magazine -all new subscriptions include a FREE 28-Day Trial

Ep 201 - Tax changes are scaring folks and wanna understand- Dale joins us to help with that and explain what city intends ot do to help! If you like what your listening too, please subscribe and if don't mind, leave a positive review on your podcast app! We do not own the rights to any music used but sure enjoy the great sounds! Social Media : X @utwpod FB @utwpodcast email: underthewatertowerinfo@gmail.com Sponsors that make show happen: Brian Couch of Team Couch of Burch Realty - Cell 901-461-7653 Alley Ejlali Alfa Insurance - Office number 662-893-0928, Cell 1-843-324-0930  Skinner Tech Group - 662-399-2400  Rodman Properties- Ibuydesoto.com

Joyce talks about lack of trust in the media and even in the government, President Trump considering federalizing Washington DC to control crime in the area. Jeanine Pirro talks about lowering the age of accountability to 14 after winning the United States Attorney for the District of Columbia seat.The FBI to assist state and local police in locating House Democrats who fled Texas to prevent Texas redistricting vote, FAIR talks about legality of Sanctuary cities when immigration is a federal issue. Professional advisor and former Senior Advisor to the President of the United States Anita Dunn speaks about President Biden's health and involvement in key decision making. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 gently, And find the sway of your breath.  Deeper and deeper, Slower and slower. PAUSE Feel your body melt, Like a single ripple of water soothing you, From the crown of your head, Softening your face, Releasing your jaw, Relaxing your neck, Lowering your shoulders, Opening your chest, Softening your arms and your belly, Releasing your hips, And falling down your legs and feet. Breathe… PAUSE Be here.  Right here.  Release the worries of tomorrow, And the heaviness of yesterday.  Watch them all fall away like leaves on a tree in the fall.  Blowing away in the wind,  Carried far, far away from here.  Breathe… 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,

This week, MDV and Gabe go deep on the current state of CrossFit—what's working, what's changing, and what's getting heavy. From 570 lb. back squats at the Games to the debate over whether Tia is the GOAT (of all CrossFit, not just the women's side), this episode covers it all. They also break down the stress of training for the leaderboard, the role of unpredictability in CrossFit, and how the TRAIN HARD App is taking a different approach—one that prioritizes long-term consistency, minimal stress, and training you actually enjoy.Episode Breakdown:0:00 Jason shows up at your job and makes you do burpees2:48 Why men and women are equally valued in the CrossFit Games universe5:00 Lowering the hoop in the WNBA?6:59 Is Tia the GOAT of CrossFit?12:05 “She's not the nicest”—but were any GOATs there to make friends?15:25 Is CrossFit making a comeback?17:22 MDV's apology and Instagram's limited view of reality21:00 Colton Mertens back squats 570 lbs. at the CrossFit Games24:05 This is really “forging elite fitness”27:20 Is “the unknown and unknowable” helping or hurting?29:37 A test of fitness or a war of attrition?32:00 Should we remove some unpredictability from the sport?34:00 Ben Bergeron turns off the comments—are we all just doing CrossFit?37:01 The positive legacy of CrossFit38:11 Ben Bergeron's “new way forward” and CompTrain rebrand41:00 CrossFit's impact—both good and obsessive45:05 MDV's NEW PROGRAM on the TRAIN HARD App47:40 The scoreboard and the clock created pressure50:00 How often should you train at 100% intensity? (maybe twice a month)56:07 TRAIN HARD = low pressure, high consistency1:01:45 If you don't enjoy your training, it won't workListen now on Apple Podcasts, Spotify, or YouTube. #JKPFollow us on Instagram:⁠JK Podcast⁠⁠Jason⁠⁠Gabe⁠⁠MDV⁠⁠Dennis⁠⁠Train with us on the TRAIN HARD App⁠⁠Find your program⁠⁠Subscribe to our newsletter⁠

Show notes: (0:00) Intro (1:01) How Thomas discovered cold plunging during a tough time in life (2:53) Cold showers vs. ice baths: what's the real difference (13:00) The science: mitochondria, cholesterol & hormones (23:08) Recovery, muscle growth & performance (24:32) Mental health benefits of cold plunging (34:35) Ice baths and women (38:58) What makes Morozco Forge ice baths unique (43:50) How to start your own cold plunge journey (45:03) Outro   Who is Thomas Seager?   Dr. Thomas P. Seager is an Associate Professor at Arizona State University in the School of Sustainable Engineering and the Built Environment, and the co-founder and CEO of Morozko Forge, a company known for its advanced ice bath technology. He is the author of Uncommon Cold and Uncommon Testosterone, two books exploring the science behind cold exposure and its impact on hormone health, inflammation, and overall well-being. Originally drawn to cold plunging during a challenging period in his life, Dr. Seager used it to dramatically improve his own health, including reducing PSA levels and naturally boosting testosterone. His work focuses on the connection between mitochondrial function and hormone production, and he advocates for individualized, science-based approaches to health using cold therapy.   Connect with Thomas: Website: https://www.morozkoforge.com/ IG: https://www.instagram.com/seagertp Substack: https://seagertp.substack.com/   Grab a copy: https://tinyurl.com/4mzn9r5f   Links and Resources: Peak Performance Life Peak Performance on Facebook Peak Performance on Instagram

In this episode of the Tough Girl Podcast, we're joined by Sharon Evans, also known as the Free Wheeling Kiwi—a 58-year-old adventurer, storyteller, and passionate advocate for women embracing the outdoors, especially later in life. Sharon shares the incredible story of walking the full Te Araroa Trail, a 3,000km thru-hike stretching the length of New Zealand. Alongside her partner, she tackled harsh weather, blisters, foot pain, and relentless terrain—proving that age is no barrier to adventure. Five years ago, Sharon made the bold decision to walk away from her rural real estate career and pursue a life filled with purpose, exploration, and connection to nature. In this conversation, we explore her motivations, the magical (and muddy) moments on the trail, and her mission to empower women over 50 to step into the wild with confidence. Sharon also shares practical tips for low-cost adventuring, content creation on the go, and how she's continuing her journey by heading to Australia's rugged Larapinta Trail next. If you're looking for inspiration to follow your passion—no matter your age—this episode is for you. ***  New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time)! Make sure to subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Do you want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon! Join me in making a difference by signing up here: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x *** Show notes Who is Sharon Evans aka Free Wheeling Kiwi  Based in New Zealand  Going on adventures and telling stories  Spending time in the outdoors - often being uncomfortable and wet Spending time at the beach  Gen X, 58 years old  Having a huge amount of freedom and spending time outdoors Her passion for travel Living in the jungle in Borneo, Malaysia Growing up without social media  How technology has advanced  Her first camera (film camera) at 15 years old  Deciding what to do with her life Being shy and introverted  Where did the name/brand freewheeling kiwi come from  Working as a rural estate agent  Riding bikes  Deciding to make a change 5 years ago  Planning to go to Everest Base Camp  How plans got derailed because of Covid Making the transition and changing your career to follow your passions Planning….. Lowering her cost of living, being a careful spender Wanting to encourage more women to spend more time in the outdoors in nature  Especially women over the age of 50 Focusing on her why Te Araroa Trail, 3,000 km, the long walk in New Zealand  Being concerned about the cold Starting on the 2nd October Walking with Andrew - as a couple Having their 1st anniversary on the trail in the Richmond Rangers Keeping the pack weight down The highlights, challenges and magical moments from the trail  Not wanting to quit Advice for new hikers Keeping costs down and sending resupply boxes Big food carries The extreme conditions and the impact on gear  River crossings and being cautious  Gusting winds and being blown off her feet Wet feet…. Sand walking, mud walking, road walking  Blisters…. Losing toe nails Getting off her feet and dealing with unbearable foot pain Palette fatigue with food Coming to the end of the journey and what it was like Creating content and stories during the journey  Creating a 1 min reel/tiktok every day How to connect with Sharon Final words of advice  Believing in yourself and your abilities  The next challenge and heading to Australia to walk the Larapinta Trail (230km trail through the outback)    Social Media Website www.freewheelingkiwi.com Instagram @freewheelingkiwi/ Facebook: www.facebook.com/freewheelingkiwi Threads:  @freewheelingkiwi TikTok: @freewheelingkiwi YouTube: @FreewheelingKiwi   

Lowering the magnet of curiosity into the scrapyard of news and seeing what's attracted, which includes … … does anyone still write satirical songs? … Four Sides of the Circle, Margaret On The Guillotine, From Here To Infirmary … real or fictitious working album titles? … the rarity of hearing new music without knowing what the musician looks like … the Strokes, the Faces and other confident gangs you wanted to join … Poisoning Pigeons In The Park, the Vatican Rag and the moment Tom Lehrer claimed was the death of satire … the dwindling need to feel ‘contemporary' - Blur, Primal Scream and the Libertines have made one album in the last ten years … when MTV went ‘lifestyle' … how ‘a 60 year-old rock star' still feels young … bring on the ‘90s package tour! … “Please give my regards to Mr. Chainz, or may I call him 2?” … and honorary mentions of Chappell Roan, Blink 182, Henry Kissinger, Wet Leg, Randy Newman, PP Arnold and ‘Kicking Pigeons' by Spunge.Find out more about how to help us to keep the conversation going: https://www.patreon.com/wordinyourear Hosted on Acast. See acast.com/privacy for more information.

Lowering the magnet of curiosity into the scrapyard of news and seeing what's attracted, which includes … … does anyone still write satirical songs? … Four Sides of the Circle, Margaret On The Guillotine, From Here To Infirmary … real or fictitious working album titles? … the rarity of hearing new music without knowing what the musician looks like … the Strokes, the Faces and other confident gangs you wanted to join … Poisoning Pigeons In The Park, the Vatican Rag and the moment Tom Lehrer claimed was the death of satire … the dwindling need to feel ‘contemporary' - Blur, Primal Scream and the Libertines have made one album in the last ten years … when MTV went ‘lifestyle' … how ‘a 60 year-old rock star' still feels young … bring on the ‘90s package tour! … “Please give my regards to Mr. Chainz, or may I call him 2?” … and honorary mentions of Chappell Roan, Blink 182, Henry Kissinger, Wet Leg, Randy Newman, PP Arnold and ‘Kicking Pigeons' by Spunge.Find out more about how to help us to keep the conversation going: https://www.patreon.com/wordinyourear Hosted on Acast. See acast.com/privacy for more information.

Keywordscryotherapy, recovery, wellness, movement, mindset, health, exercise, inflammation, mental health, stress reliefSummaryIn this episode of the Ask Yourself Why Not podcast, hosts Shaye and Jayla discuss the benefits of cryotherapy and the importance of movement for recovery and mental health. They share personal experiences with cryotherapy, emphasizing its role in reducing inflammation and aiding recovery. The conversation shifts to the concept of movement as medicine, highlighting how even short bursts of activity can significantly impact mental and physical well-being. The hosts encourage listeners to incorporate movement into their daily routines and introduce a challenge to motivate them to move for just five minutes a day.TakeawaysCryotherapy aids in muscle recovery and reduces inflammation.Movement is essential for both physical and mental health.Short workouts can be as beneficial as longer sessions.Music can enhance the experience of physical activities.Movement helps regulate the nervous system and improve sleep.Emotional release can be achieved through physical movement.Setting small, achievable goals can lead to better habits.Incorporating fun activities can make movement enjoyable.Mindset plays a crucial role in how we approach exercise.Consistency in movement can lead to long-term benefits.Unlocking Recovery: The Power of CryotherapyMovement as Medicine: A New Approach to Wellness"Why not do cryo?""Lowering inflammation.""Motion equals emotion."Chapters00:00Introduction to Movement and Recovery05:31Movement as Medicine09:19Mindset Munchie Challenge: Five Minutes of Movement

In today's episode, I'm joined by Adam Kadela, co-founder of DexaFit and DexaFit Dx. A former athlete and trader turned health tech entrepreneur, Adam set out to make advanced diagnostic testing, like DEXA scans and VO2 max, accessible outside of elite labs and into everyday wellness routines.We talk about the evolution of DexaFit from local clinics to a global platform trusted by athletes and doctors. He explains why tracking the right metrics matters, how often to test, the truth about body recomposition, the best ways to lower visceral fat, and what most people get wrong about wearables and weight loss.Leave Us A Voice Message! | https://telbee.io/channel/4_b9zzx58wdkuwirqkcxwa/Topics Discussed: → What does a DEXA scan reveal about your health?→ How often should you get a body composition test?→ Why is visceral fat more dangerous than body fat?→ Can blue light exposure affect weight gain?→ How does VO2 max relate to longevity?Sponsored By: → AG1 | Get a FREE 1-year supply of Vitamin D3+K2 AND 5 free AG1 Travel Packs with your first subscription at drinkAG1.com/bewell→ Be Well By Kelly Protein Powder & Essentials | Get $10 off your order with PODCAST10 at bewellbykelly.com→ Hiya Health | Get 50% off your first order at HiyaHealth.com/Kelly and give your kids the full-body nourishment they need to grow into healthy, happy adults.→ WeNatal | You can use my link, wenatal.com/kelly, with any subscription order, to get a free one month supply of WeNatal's Omega DHA+ Fish Oil valued at 35 dollars.→ Vuori | Get 20% off your first order of Vuori AND free shipping on orders over $75 at vuori.com/kellyTimestamps: → 00:00:00 - Introduction → 00:03:01 - Adam's background → 00:07:09 - DEXA & D1 athletes → 00:11:53 - Breaking down a DEXA scan→ 00:15:12 - Women's bone health → 00:22:41 - DEXA's data & frequency → 00:26:31 - Body recomp tips → 00:32:07 - Body fat & body composition → 00:35:43 - Aging & muscle loss → 00:37:45 - Understanding DEXA scan results → 00:42:14 - Lowering visceral fat → 00:48:27 - Blue light, weight gain, & intermittent fasting → 00:52:13 - VO2 max & resting metabolic rate → 00:56:47 - Gym testing (IN BODY)→ 00:59:26 - Lean mass & watching the scale → 01:05:11 - Wearable recommendations Check Out DexaFit:→ Get 25% off with code BEWELL25 at https://www.dexafit.com/redeem-code→ InstagramCheck Out Kelly:→ Instagram→ Youtube→ Facebook

The House Ways and Means Committee held a hearing over the weekend about the impact of the One Big Beautiful Bill on all sectors of the U.S. economy, including agriculture. Kevin Kester, past president of the National Cattlemen’s Beef Association, says lowering estate tax exemptions was a huge benefit for farmers and ranchers. NAFB News ServiceSee omnystudio.com/listener for privacy information.

Feeling overwhelmed and out of whack? It might be your cortisol talking! This episode dives into the science of cortisol, the stress hormone. Ash explores its impact on your body and mind, from energy levels and sleep to mood and immunity.This episode is packed with practical tips to help you manage stress and lower cortisol levels. Learn about diet changes, relaxation techniques, the power of movement, and how to create a lifestyle that supports well-being. Take control of your stress response and unleash your inner calm!Resources Mentioned:My Coaching ProgramWebsite: https://www.splashofash.comIG: https://www.instagram.com/a_splashofash/Facebook: https://www.facebook.com/asplashofashhEmail: Hello@splashofash.com

Welcome back to our weekend Cabral HouseCall shows! This is where we answer our community's wellness, weight loss, and anti-aging questions to help people get back on track! Check out today's questions:    Ann: Hi Dr. Cabral- everyone out here SO appreciates all you do :) You have mentioned that there is a difference between an IGG reaction to a food and a digestive issue that would cause bloating and gas etc. Could you explain how you can tell if you are having an IGG reaction? I used to think that the bloat was the reaction. The 3 foods I am moderately sensitive to based on my Food Sensitivity test have never given me OVERT symptoms , so I'm wondering how to tell if these or any food combos are giving me inflammation without telltale rash, swelling etc. Im 61 and don't have any pressing health issues so healthspan is my focus right now and I don't want to be eating anything that may be causing me hidden inflammation. Thank you again :)                                                                                                                                                       Kavita: Hello Dr. Cabral, Thank you for your incredible work! I have successfully reversed many of my health issues thanks to your guidance and support. I recently received my test results, and I am pleased to report that they look fantastic overall. However, my cholesterol levels are on the higher side. What recommendations do you have for addressing this? I  walk frequently and work out three to four times a week, including strength training. I am currently focused on my weight, aiming to reach 170 pounds; I weigh 191 pounds at the moment. Additionally, I have been struggling with migraines for most of my life, and I recently started seeing a chiropractor in hopes that this will help alleviate my symptoms. I would greatly appreciate any advice.                                                                                                           David: Hi Dr.Cabral, Really appreciate everything you do and I can't stress enough how much of a positive impact you have had on my life and many of those around me as a result of being the health coach in my home. I've been revisiting my personal protocol to optimize for my genes even more than I do and boy is it a confusing area. Specifically, I am trying to balance MTHFR and COMT. After speaking with a methylation focused nutritionist, she recommended that I switch my DNS to beef liver and beef organ supplements (about 4-5 caps of each) I have taken Equi Life's organ complex and generally tolerated it well, but was wondering if there is a time and place (such as having my genotype) where using a whole food based multi makes sense and is better than synthetic multi-vitamins?                                                                                John: Hey dr I asked you a question on 3410 but you misread the question I wanted to know if I should stop all my supplements when I'm on the heavy metal detox not the regular detox . Just want to make sure the heavy metal doesn't cancel out everything thanks                                                                                                                                                                Tammy: As a healthcare worker, I am seeing an increase in patients with lymphedema, where the calf and ankle areas are very swollen and many times gets blistering sores and veins issues What are your recommendations for lymphedema and venous problems?       Thank you for tuning into today's Cabral HouseCall and be sure to check back tomorrow where we answer more of our community's questions!    - - - Show Notes and Resources: StephenCabral.com/3459 - - - 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!  

Rhonda Patrick, Ph.D. (@foundmyfitness) is a biomedical scientist and the founder of FoundMyFitness, a platform dedicated to delivering rigorous, evidence-based insights on improving healthspan and mitigating age-related diseases.Sponsors:Helix Sleep premium mattresses: https://HelixSleep.com/Tim (27% off all mattress orders)Momentous high-quality creatine and other supplements: https://livemomentous.com/tim (code TIM for up to 35% off)David Protein Bars 28g of protein, 150 calories, and 0g of sugar: https://davidprotein.com/tim (Buy 4 cartons, get the 5th free.)Monarch Money track, budget, plan, and do more with your money: MonarchMoney.com/Tim (50% off your first year at monarchmoney.com with code TIM)Timestamps:[00:00:00] Start.[00:04:54] Dealing with aging parents and other topics on the table.[00:10:43] How a common multivitamin helps reverse cognitive and memory aging.[00:12:04] The importance of supplementation — especially as we age.[00:13:10] Effectively supplementing with omega-3 fish oil to counter APOE4 and Alzheimer's risks.[00:16:50] The CoQ10 and omega-3 protocol that has helped Rhonda's father manage Parkinson's symptoms for nearly a decade.[00:19:28] Sulforaphane: a potent NRF2 activator with an unexpected benefit for Rhonda's mother's tremors.[00:25:34] How Rhonda convinced her mom to start CrossFit and the power of community-based, senior-focused fitness.[00:26:52] The earlier the intervention, the better the outcomes.[00:32:25] Intermittent fasting vs. extended fasting and my own results.[00:44:31] Does fasting destroy muscle mass? Debunking the catabolism fear and understanding the crucial role of the re-feeding phase.[00:57:24] "Dirty" fasting: what really happens to autophagy and metabolic benefits when you add a splash of cream or MCT oil to your coffee?[01:00:44] VO2 max: the one metric that may predict lifespan more accurately than anything else, and how we work to improve it.[01:12:07] How a two-year exercise program reversed heart aging by 20 years in previously sedentary, middle-aged adults.[01:16:18] Lactate isn't the enemy: how vigorous exercise creates a superfuel that protects and grows the brain.[01:20:30] The optimal sauna protocol (temperature and frequency) for slashing dementia risk by 66%.[01:29:17] If you're human, you'll find a use for curcumin.[01:30:43] Creatine for cognition: moving beyond the gym with a powerful, science-backed tool for focus and combating sleep deprivation.[01:42:41] Still vitamin D deficient despite taking supplements? Here's the critical cofactor you're probably missing.[01:53:52] Shocking sources of microplastics in our daily lives, including chewing gum and teabags.[02:04:10] The uncomfortable truth about "moderate" alcohol consumption, cancer risk, and why the "sick quitter" hypothesis makes most older studies unreliable.[02:17:03] The ups and downs of ketamine and psilocybin on cognition and longevity.[02:24:19] Parting thoughts and where to find more from Rhonda.*Show notes for this episode: https://tim.blog/2025/07/24/dr-rhonda-patrick/For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

"Student loan forgiveness is a bribe for young voters," shouted Newsweek in 2022. "Harris's call for price controls on groceries is more pandering than policy," declared The Hill in 2024. "Free for all: Democratic socialist's policy pitches face tough fiscal reality in New York," warned Politico this year. Every time an elected official or political candidate proposes a policy with even the slightest hint of actual populism, U.S. pundits, analysts and alleged experts line up to tell us that it's just a scheme to "buy votes." Offering student-debt relief is just cheating. Lowering grocery costs is simply pandering. Eliminating public-transit fares is merely bribing voters. These initiatives aren't developed in good faith in order to improve the lives of the public; they're cynical ploys to help a given politician get ahead. We know that some policymakers make promises that they'll never fulfill, or chisel away at robust and universal proposals, or backtrack on bold and transformative ideas. This happens all the time. But all too often, media's default position is to assert that even the most modest of economically populist proposals are mere strategies to buy votes, revealing grim truths about what our media class seems to think the responsibilities of lawmakers and governments are. On this episode, we examine the media tendency to assume that anything remotely close to populism is somehow cheating, playing the game on "god mode" or "democracy game genie," and ought to be discouraged by Serious People, putting a sinister spin on what is simply Doing Things People Want. Our guest is FAIR's Janine Jackson.

Peter Schiff examines Trump's misguided economic critiques, delves into inflation's impact, and challenges the Fed's policies in this episode.Start your free online visit today at https://hims.com/goldIn this episode of The Peter Schiff Show, Peter Schiff delves into the contentious relationship between former President Trump and Federal Reserve Chair Jerome Powell. Schiff highlights Trump's pointed criticisms of Powell's economic policies, framing them within a broader historical context of interest rates and inflation. As Schiff navigates the complexities of government spending and its impacts on the economy, he emphasizes the inherent contradictions in Trump's past economic stances. Additionally, the episode touches on significant issues such as voting rights and the implications for future generations. With Schiff's keen analysis, listeners will gain a deeper understanding of the economic landscape and the policies that shape it, reinforcing his perspective on the pressing realities facing the nation.

Dr. Rangan Chatterjee is a big believer in weight loss plans tailored just for you, knowing just how much modern life impacts our health. He suggests listening to what your own body needs; even though some trendy diets, like an all-meat approach, might work for some people, Dr. Chatterjee always points back to the basics: handling stress, getting enough sleep, eating mindfully, and staying away from sugar and alcohol. To view full show notes, more information on our guests, resources mentioned in the episode, discount codes, transcripts, and more, visit https://drmindypelz.com/ep297 Dr. Rangan Chatterjee is a British physician, author, television presenter and podcaster. He is best known for his TV show Doctor in the House and for being the resident doctor on BBC Breakfast and as a regular contributor to BBC Radio. Check out our fasting membership at resetacademy.drmindypelz.com. Please note our medical disclaimer.

You've probably heard of cortisol as “the stress hormone,” but did you know your food choices can influence how much of it your body makes? In this episode of Dishing Up Nutrition, our registered dietitians Leah Kleinschrodt and Teresa Wagner unpack what cortisol really does, and how to manage it with your plate.

Hey there, Product Bosses! In today's Ask Jacq episode, we're diving into the question every product-based business owner asks at some point: How can I make more per order—without running constant discounts? I'm sharing two live coaching clips straight from my programs, where I help real students work through their pricing and bundling strategies in real time.First, I speak with a skincare entrepreneur, about how to bundle her best-selling products in a way that feels like a complete solution for her customers. We talk about creating intentional regimens (like anti-aging or dry skin kits), offering small value-based incentives, and reinforcing her brand through packaging and bonuses. Then, we shift into a conversation about subscriptions—and why I usually recommend holding off on those until your business has steady repeat customers.Next, I coach a jewelry maker from the UK who's exploring how to increase her order value at in-person markets and on Etsy. The key? Understanding what your customer actually wants. We talk about analyzing buying behaviors, testing product groupings, and letting data—not guesswork—drive those decisions.If you're trying to grow without adding more complexity, this episode is packed with practical takeaways. Tune in and discover how to increase your AOV (average order value) in ways that align with your brand and make sense for your customer.Resources:Say hello to the Accelerate Your Sales podcast bundle. It's my absolute best, totally-free playlist of episodes that will show you exactly how to stop being the best kept secret. Click here for your shortcut to more sales!Join our mailing list for access to additional training and support to turn your business into the best it can be.Consistent content is key to getting more people to see and buy your products. If you want to create great content but you don't know what to say, or you feel too busy, or you just don't want to be the face of your brand, no worries – because we've got you covered with a year's worth of consistent content that's sure to resonate with your audience! If you want to see how easy this can be, click here.Connect:Website: theproductboss.comInstagram: @theproductbossMentioned in this Episode:InstacartDiscover more about how Instacart can work for you!Click here to learn moreGlociUse Code JACQUELINESNYDER to get 15% OFF your order! Click here to shop now!

Story at-a-glance Egg white proteins naturally lower blood pressure by releasing peptides that relax blood vessels and boost nitric oxide production without pharmaceutical side effects Research shows egg whites reduced systolic blood pressure by 18 points in just nine days by supporting the body's natural circulation mechanisms Enzyme-treated egg whites maintain blood pressure benefits while eliminating allergic reactions, making them a safe option for people allergic to eggs Pasture-raised, low-linoleic acid eggs provide optimal cardiovascular benefits, while conventional factory-farmed eggs cause inflammation that counteracts many positive effects Combining egg whites with nitric oxide-boosting foods like beets and glycine-rich bone broth maximizes their blood pressure-lowering effects and overall benefits naturally