Podcasts about make or break

Cracked Racquets Editor-in-Chief Alex Gruskin offers a status report on his 2025 "Make or Break" All-Stars. He checks-in on and evaluates the pivotal 2025 campaigns of Yastremska, FAA, Cerundolo, Kenin, Paolini, and SO many more!! Don't forget to give a 5 star review on your favorite podcast app! In addition, add your twitter/instagram handle to the review for a chance to win some FREE CR gear!! Episode Bookmarks: You are who you are - 11:40 Dayana Yastremska - 11:45 Felix Auger Aliassime - 19:28 Ludmillla Samsonova - 25:30 Francisco Cerundolo - 29:44 Anastasia Potapova - 33:43 Frances Tiafoe - 38:05 Leylah Fernandez - 41:18 Denis Shapovalov - 44:32   Former Slam Champions/Is the run over? - 48:34 The Original #NextGenATP Crew - 48:54 Bianca Andreescu - 52:55 Sofia Kenin - 54:11 Emma Raducanu - 55:43 Nick Kyrgios - 56:50   Will you ever be healthy? - 57:38 The Czechs - 57:45 Sebastian Korda - 59:07   How real was it? - 1:00:27 Jasmine Paolini - 1:00:30 _____ Laurel Springs Ranked among the best online private schools in the United States, Laurel Springs stands out when it comes to support, personalization, community, and college prep. They give their K-12 students the resources, guidance, and learning opportunities they need at each grade level to reach their full potential. Find Cracked Racquets Website: https://www.crackedracquets.com Instagram: https://instagram.com/crackedracquets Twitter: https://twitter.com/crackedracquets Facebook: https://Facebook.com/crackedracquets YouTube: https://www.youtube.com/c/crackedracquets

In this REI Only episode of The FasterFreedom Show, Sam dives into one simple but powerful trick to increase profits on your flips while boosting cash flow. He breaks down how the way you fund your deals can dramatically impact your bottom line, why having access to capital is crucial in the real estate investing process, and how private money lenders can play a key role in scaling your business.Whether you're just starting out or looking to level up your investing game, Sam gives a clear, actionable look at how smart funding decisions can turn a good deal into a great one—and keep more money flowing into your pocket.FasterFreedom Capital Connection: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fasterfreedomcapital.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Free Rental Investment Training: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://freerentalwebinar.com⁠⁠⁠⁠⁠⁠⁠⁠⁠

In diesem Video gibt es einen Rückblick auf die spannendsten Themen rund um Finanzen, Krypto, KI, Unternehmertum, Politik und auch Persönliches. Ich gehe meine Posts der letzten Tage durch, erzähle die Hintergründe und teile meine Einschätzung dazu. Links aus dem Video: Investieren auf X https://x.com/julianhosp - Folge Julian dort! 2009 vs 2025 https://x.com/julianhosp/status/1963473096133734595 MSTR in SP500 https://x.com/julianhosp/status/1963817946842808452 Problem MSTR https://x.com/julianhosp/status/1961699468975439990 BTC Underperformance: https://x.com/julianhosp/status/1961690410625171670/photo/2 MSTR Vorzugsaktien https://x.com/julianhosp/status/1963504891336270036 Quantecomputer https://x.com/julianhosp/status/1963473265193521293 Trump & Krypto https://x.com/julianhosp/status/1962691937594679483 Julian's KI Investments https://x.com/julianhosp/status/1963015497785737598 0 Nutzer in Krypto https://x.com/julianhosp/status/1962640032101212487 Chart Astrologie https://x.com/julianhosp/status/1961941759895953683 Julian's Rendite https://x.com/julianhosp/status/1961728892789756179 Julian Lightning https://x.com/julianhosp/status/1962300810894995456 Julians Hater https://x.com/julianhosp/status/1961708198437818721 Normal sein https://x.com/julianhosp/status/1963177820760453591 Erwähnte Produkte, Kurse, Tools: Daily Updates von Julian: https://products.i-unlimited.de/ic-daily Inner Circle Membership: https://innercircle.julianhosp.com/ Kostenloser KI Audiokurs: https://julianhosp.de/KI-30-Plan-ChatGPT Wertformel Buch: https://bit.ly/wertformel_JH Unternehmertum auf LinkedIn https://www.linkedin.com/in/julianhosp/- Folge Julian dort! Survivorship Bias https://www.linkedin.com/posts/julianhosp_warum-d%C3%BCrfen-bei-abschlussfeiern-eigentlich-activity-7364145741629399040-tWzd/ Erfolg https://www.linkedin.com/posts/julianhosp_wir-glauben-oft-dass-erfolg-und-misserfolg-activity-7365696118665412609-n6VE/ KI Facebook Gruppe https://www.facebook.com/groups/kimotor Privates auf Instagram https://www.instagram.com/julianhosp - Folge Julian dort! Fitness https://www.instagram.com/p/DNpyzkdB-iF/ KI Photo? https://www.instagram.com/p/DOIs7u8AWVN/ Best Shape https://www.instagram.com/p/DONjSrngbGi Yacht Party https://www.instagram.com/p/DOC3w90AcbG/ Trigger Posts auf Threads https://www.threads.com/@julianhosp/ - Folge Julian dort! Sozialismus https://www.threads.com/@julianhosp/post/DOIsbMvkvej Mietpreisbremse https://www.threads.com/@julianhosp/post/DN69yfzkow9 Nutzen https://www.threads.com/@julianhosp/post/DN4QM1KkpRq Like das Video und hinterlasse ein Kommentar, wenn du ein weiteres willst. Folge Julian hier auf YouTube: Bleib mit meinem Newsletter Up to Date für nächste Dinge: https://bit.ly/newsletter_JH #finanzen #unternehmertum #performance #KI #kuenstlicheintelligenz

Bickley and Marotta talk Cardinals, NFL, go through Rush Hour Reboot, and we're joined by Derrick Hall.

On today's podcast episode, we discuss why investors wanted to bring in an outsider to right the ship, what's most to blame for Target's recent struggles, and what should be top of the new CEO's to-do list. Join Senior Director of Podcasts and guest host, Marcus Johnson, and Senior Analysts, Blake Droesch and Arielle Feger.   To learn more about our research and get access to PRO+, go to EMARKETER.com   Follow us on Instagram at: https://www.instagram.com/emarketer/   For sponsorship opportunities contact us: advertising@emarketer.com   For more information visit: https://www.emarketer.com/advertise/   Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode click here: https://www.emarketer.com/content/podcast-target-bet-right-on-its-new-ceo-to-do-list-that-could-make-break-brand   © 2025 EMARKETER

It's not marketing's fault—you're probably losing most of your opportunities at the front desk. That first call matters, and you need someone who knows how to guide the right patients through.When your front desk knows your technology, your treatments, and how to handle tough questions, they're more likely to turn inquiries into appointments.To set the front desk up for success, Mara Shorr of ACG Practice Partners shares her best tips: fast but effective onboarding, solid scripting, and tools to help your team speak with confidence.About Mara ShorrMara Shorr has 15 years of experience guiding aesthetic practices across toward their strongest operational, administrative, and financial health. She has served as an editorial board member for DERMASCOPE magazine, writes for numerous aesthetic industry publications, and is a respected international speaker and key opinion leader for nearly a dozen aesthetic industry conferences annually, as well as a proud textbook chapter author for The Business of Plastic Surgery: Volume 2.Learn more about ACG Practice PartnersFollow Mara on Instagram @marashorrConnect with Mara on LinkedInGuestMara Shorr, Senior ConsultantACG Practice PartnersHostRobin Ntoh, VP of AestheticsNextechPresented by Nextech, Aesthetically Speaking delves into the world of aesthetic practices, where art meets science, and innovation transforms beauty.With our team of experts we bring you unparalleled insights gained from years of collaborating with thousands of practices ranging from plastic surgery and dermatology to medical spas. Whether you're a seasoned professional or a budding entrepreneur, this podcast is tailored for you.Each episode is a deep dive into the trends, challenges, and triumphs that shape the aesthetic landscape. We'll explore the latest advancements in technology, share success stories, and provide invaluable perspectives that empower you to make informed decisions.Expect candid conversations with industry leaders, trailblazers and visionaries who are redefining the standards of excellence. From innovative treatments to business strategies, we cover it all.Our mission is to be your go-to resource for staying ahead in this ever-evolving field. So if you're passionate about aesthetics, eager to stay ahead of the curve and determined to elevate your practice, subscribe to the Aesthetically Speaking podcast.Let's embark on this transformative journey together where beauty meets business.About NextechIndustry-leading software for dermatology, medical spas, ophthalmology, orthopedics, and plastic surgery at https://www.nextech.com/ Follow Nextech on Instagram @nextechglowAesthetically Speaking is a production of The Axis: theaxis.io Theme music: I've Had Enough, Snake City

What will the Mets do withe their pitching in the post season? Are the next 12 games a "make or break" for the Yankees' season? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!

Ikaw, naranasan mo na rin bang masaktan dahil sa panlalait ng iba? Words truly can make or break us. Minsan ang mga salitang hindi natin pinag-isipan ay naka-offend na pala.All Rights Reserved, CBN Asia Inc.https://www.cbnasia.com/giveSupport the show

Eric and Anthony discuss which players are entering MAKE OR BREAK seasons in 2025! Get rankings, personalized advice, and more: patreon.com/rookiebigboard Play Underdog with 100% Deposit Match: https://play.underdogfantasy.com/p-rookie-big-board

The F-Words That Make or Break Your RelationshipIn this inspiring episode of Podcast with Sheila, we sit down with Sarah Intelligator, Esq. — divorce attorney, author, speaker, and creator of Live, Laugh, Find True Love. With over 20 years of experience in family law, Sarah has seen firsthand why relationships fail — and she's on a mission to help people build the right ones that last.We explore her groundbreaking concept of the “F-Words” of relationships: Fundamental Values, Fear, Foundation, Fixing, Family, and Fairy Tale — and how each plays a crucial role in finding meaningful love. Sarah also shares practical dating tips, signs you may be settling, and why the right partnership is essential not only for you but also for your children's emotional well-being.If you're navigating love, dating, or marriage, this conversation will give you tools to evaluate your relationship and find the happiness you deserve.✨ What you'll learn in this episode:The number one reason relationships failHow to recognise if you're settling in loveWhy “Fundamental Values” should never be ignoredThe impact of divorce and bad relationships on childrenDating advice for finding true love that lasts

To ensure smooth, multi-generational inheritance real estate wealth transfer in 2025 requires strategic use of gifting, trusts, and tax-efficient structures. Today's Stocks & Topics: UMGNF - Universal Music Group NV, Market Wrap, DIS - Walt Disney Co., Are You Prepared for the Real Estate Wealth Transfer That Could Make or Break Your Family's Future?, TTEK - Tetra Tech Inc., WRBY - Warby Parker Inc, Nvidia Earnings, VEEV - Veeva Systems Inc., REGN - Regeneron Pharmaceuticals Inc., Gambling in America.Our Sponsors:* Check out Avocado Green Mattress: https://www.avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

Jeremy and Bruce Cunningham took some time from Friday's BBMS to preview this weekend's Maryland vs FL Atlantic matchup and then discuss what 2025 will mean for Terps head coach Mike Locksley. Is he entering a make or break year?

Created By: Yariv Wolok & Vasili Gianarakos Music By: Jay Lubes Website: https://www.flyersnittygritty.com SportSpyder: https://sportspyder.com/nhl/philadelphia-flyers/news?eid=2340 

Thursday 8/28/25

Hutt and Chad breakdown the two coaches with the most on the line in week 1 of college football. Plus, American Documentary Film Director, Maclain Way joins the show to discuss the Netflix Doc "Americas Team". Learn more about your ad choices. Visit podcastchoices.com/adchoices

What separates the CEO who scales from the CEO who stalls?Spoiler: it's not strategy—it's habits.In this episode of The Opt-In Podcast, Melissa Franks, your on-call COO, pulls back the curtain on the daily practices that either propel businesses forward or keep them stuck. Drawing on insights from working with nearly 50 entrepreneurs across industries, Melissa explains why consistency beats intensity and how three core habits can transform your role as a leader.You'll hear:The three growth-driving habits every CEO must master: owning your calendar, tracking numbers weekly, and delegating ruthlessly.The hidden bad habits that sabotage growth, like checking email first thing in the morning, attending every meeting, and constant context switching.Real client stories that show how simple habit shifts unlocked millions in growth.A practical three-step framework to audit your day, double down on good habits, and replace harmful ones.If your business feels stuck—or you're burning out trying to do it all—this episode is your playbook for clarity, focus, and momentum.

If you've ever asked, “Where did all my profit go?” — this episode is for you.Mark Anderson, Sharon Cowan CBSE, and Ed Selkow break down the cash flow traps that cripple growing cleaning companies. From AR buckets and vendor terms to the 1.5 rule for new accounts, you'll learn how to manage your money before it manages you.

The Daily Shower Thoughts podcast is produced by Klassic Studios. [Promo] Check out the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ [Promo] Like the soothing background music and Amalia's smooth calming voice? Then check out "Terra Vitae: A Daily Guided Meditation Podcast" here at our show page [Promo] The Daily Facts Podcast. Get smarter in less than 10 minutes a day. Pod links here Daily Facts website. [Promo] The Daily Life Pro Tips Podcast. Improve your life in less than 10 minutes a day. Pod links here Daily Life Pro Tips website. [Promo] Check out the Get Happy Headlines podcast by my friends, Stella and Mickey. It's a podcast dedicated to bringing you family friendly uplifting stories from around the world. Give it a listen, I know you will like it. Pod links here Get Happy Headlines website. Shower thoughts are sourced from reddit.com/r/showerthoughts Shower Thought credits: Bjarki56, CCCyanide, Komrade_Yuri, chrzzl, arc88, jesseberdinka, , GenTrapstar, kickballaDesign, ThecoachO, y_shan, Sure-Ad-2465, BeaglePops7, Z3ppelinDude93, saltthewater, justduett, T3knikal95, Latter-Direction-336, lucius789, , FG213_8D, that_412_kid, moneybot13, eagleboy444, MsGoogle, daversa Podcast links: Spotify: https://open.spotify.com/show/3ZNciemLzVXc60uwnTRx2e Apple Podcasts: https://podcasts.apple.com/us/podcast/daily-shower-thoughts/id1634359309 Stitcher: https://www.stitcher.com/podcast/daily-dad-jokes/daily-shower-thoughts iHeart: https://iheart.com/podcast/99340139/ Amazon Music: https://music.amazon.com/podcasts/a5a434e9-da18-46a7-a434-0437ec49e1d2/daily-shower-thoughts Website: https://cms.megaphone.fm/channel/dailyshowerthoughts Social media links Facebook: https://www.facebook.com/DailyShowerThoughtsPodcast/ Twitter: https://twitter.com/DailyShowerPod Instagram: https://www.instagram.com/DailyShowerThoughtsPodcast/ TikTok: https://www.tiktok.com/@dailyshowerthoughtspod Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

In this episode, I'm sharing one of the biggest mindset shifts that took me from trying to “do it all myself” to finally receiving the kind of support that accelerated my success. If you've ever felt like asking for help is a weakness—or you've been trying to figure out coaching on your own—this episode will show you why the fastest and smartest path to success is choosing the right mentorship.I'll also walk you through what makes Thriving Coach Academy the most powerful and modern coach training program out there. Whether you're brand new to coaching or ready to go full-time, this is the kind of support you deserve.To start a successful coaching business, visit ⁠www.thrivingcoachacademy.com⁠.

Discussing a list of the coaches around the NFL entering the season on the hot seat.

Send us a textThe economic landscape is sending mixed signals to wealth builders, and your strategic positioning needs to account for these crosscurrents. Home Depot's recent earnings miss reveals a telling shift in consumer behavior that directly impacts your investment strategy. With net sales falling short at $45.28 billion and a 2.2% decline in foot traffic, consumers are clearly pulling back from large renovations in favor of small maintenance projects. This isn't just about one retailer's performance—it's a broader indicator of how rate sensitivity is reshaping spending patterns across markets.The spotlight now turns to Federal Reserve Chair Powell's upcoming Jackson Hole speech, potentially the most consequential market event this season. Markets have already priced in an 83% probability of a September rate cut, but the real question remains: will Powell signal a dovish turn or maintain a cautious stance? Treasury officials and political figures are pushing for aggressive cuts between 150-400 basis points, yet the Fed's independence will ultimately determine the path forward. Make no mistake—analysts warn that without clear dovish signals, markets could slide 7-15% this fall, making your defensive positioning critical right now.Meanwhile, the S&P's reaffirmation of the US AA+ credit rating offers temporary fiscal reassurance, with tariff revenue estimated to contribute up to $2.8 trillion, offsetting recent spending increases. However, persistent deficits exceeding 100% of GDP remain a long-term vulnerability. The rating agency explicitly cited Federal Reserve independence as the strongest defense against future downgrades—a powerful reminder that monetary policy autonomy directly impacts market stability. Whether you're repositioning for potential rate cuts, adjusting exposure to consumer cyclicals, or monitoring fiscal developments, staying informed and strategically nimble will be your greatest advantage in capitalizing on the opportunities ahead.Support the showIntroducing the 60-Day Deal Finder!Visit: www.wealthyaf.mediaUse the Coupon Code: WEALTHYAF for 20% off!

Discover why the new patient experience in dentistry is the key to case acceptance and loyalty. Gary Takacs shares a 7-step process to improve patient trust, reduce PPO dependence, and transition to a fee for-service dental practice.

Hayley Watts is the founder of Inspireful, who helps overwhelmed business owners regain clarity, confidence, and organization through productivity coaching and habit formation.Through her Monday morning "Organise and Thrive" calls and personalized mentoring sessions, Hayley guides clients—often parents or those with additional caring responsibilities—to develop work habits that drive their business forward.Now, Hayley's experience as a former charity CEO who discovered productivity techniques while feeling stressed and overwhelmed demonstrates how these approaches can be transformative.And while balancing growing her business with raising her 12-year-old child and navigating significant life changes, she's helping others find ways to make their work feel easier through better habits and systems.Here's where to find more:https://www.linkedin.com/in/hayley-wattsEmail hayley@inspireful.co.ukhttps://inspireful.co.uk________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Chito introduces a new "Make or Break" series for the podcast, discussing factors that will determine the success of UGA in 2025. 2024 was challenging, and UGA is looking for a bounce back in 2025. Chito identifies three key factors that will impact UGA's success in the upcoming season: The Run game, the aggressiveness of the OC, and the interior of the defensive line.

Buckle up. Educators and activists Forrest Valkai and Erika (Gutsick Gibbon) showed up for a chat about AI, fossils, "the Monad," and more!Become a supporter of this podcast: https://www.spreaker.com/podcast/thethinkingatheist--3270347/support.

Most franchisees focus on revenue. The smart ones focus on profit. In this episode, Jeff Herr and Eric dive into the financial truths franchisors and franchisees must understand—from staffing costs to KPIs—if they want to scale and succeed. Profit isn't optional. It's survival.   Timestamps 00:00 – Welcome + Jeff's birthday talk 00:41 – From franchisee beginnings to franchisor support 02:31 – Why revenue isn't the real measure of success 05:52 – Expenses vs. profitability explained 08:21 – Staffing: the biggest profitability lever 10:49 – Robert Kiyosaki & going back to basics 13:38 – Scaling smart: fewer employees, bigger profits 22:41 – Tools & KPIs every franchisee should demand 26:27 – Opening 3 locations at once: lessons learned 29:14 – Profit vs. vanity metrics 40:18 – “Raise your hand” and learn your numbers   Connect with Erik Van Horn:

According to Kevin Green, the SPX has been making lower lows as the index sees continued compression around the 6,440 level. Gold has been seen making lower highs as the metal also saw heavy consolidation over the past two to three months. However, Kevin says gold is reaching a "make or break" moment that can propel it higher or break down price action. Sticking with commodities, Kevin highlights a key technical support for copper.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

HR2 - Not playing Michael Penix Jr. in preseason won't make or break Falcons In hour two Mike Johnson, Beau Morgan, and Ali Mac give you some of their takeaways from Atlanta Falcons training camp practice yesterday, let you hear Falcons' Offensive Coordinator Zac Robinson explain why the team is comfortable with quarterback Michael Penix Jr. not taking a preseason snap this year, react to what Coach Robinson had to say, and then explain why they think the Falcons not playing Penix Jr. and the offensive starters in the preseason isn't a big deal. Then, Mike, Beau, and Ali react to the latest news, rumors, and reports in the NFL as they go In The Huddle. The Morning Shift crew also reacts to MLB commissioner Rob Manfred saying that he would like to add two more teams to the league before his term ends in 2029, and that those expansion teams could lead to geographical realignment in Major League Baseball. Ali, Mike, and Beau also explain why they think expansion and geographical realignment aren't the changes that MLB needs. Finally, The Morning Shift crew closes out hour two by diving into the life of Mike Johnson and getting Mike'd Up!

Simon's live update for LBC's drivetime programme with Ben Kentish presenting.

It's make or break time for some #Packers players as we head to the final preseason game of the season. Who's trending up and who's trending down? Plus, what's up with all of the penalties? #GreenBayPackers #NFL #FootballSee omnystudio.com/listener for privacy information.

Tobin & Leroy discuss the importance of this season for head coach Mike McDaniel. Could a bad start get him fired in season?

Need to create an e-learning presentation but don't have an eye for good visuals? This episode is for you! We revisit a great past episode with Diane Elkins, instructional design pro and owner of Artisan Learning. There's so much solid advice in this episode on what works, what to avoid, and how visuals impact the learning experience (probably more than you think).Diane explains how bad visuals inhibit learning, why simpler is often better, and why “slides” are due a name change. Plus, she gets on her soapbox to explain the real goal of e-learning. We also look at some examples of pretty, plain, and hideous slides to compare, based on a real experiment Diane used to test out visual design. One thing to note: We do share some visuals in this episode of good and bad design choices, so for the full experience, we recommend checking out the episode on YouTube.Learning points from the episode include:00:00 – 02:44 Introduction to Diane and her work02:44 – 04:57 The role in visuals in e-learning04:57 - 07:33 Best practices for visuals and what to avoid07:33 – 11:11 Mindset shifts to avoid over-the-top visuals11:11 – 13:20 Why visuals are even more important in e-learning scenarios13:20 – 16:25 How to decide what information to put on a slide16:25 – 21:53 Diane's pretty, plain, and hideous visual design experiment21:53 – 25:00 Why simple is often better for learning25:00 – 29:34 Why “is it helpful?” is the most important question to ask29:34 – 31:31 Why visual aids should always be in service of the audience31:31 – 38:42 An example of whether we should decorate or illustrate with visuals38:42 – 46:18 Can we fix it? Diane's advice to bad design examples46:18 – 49:49 Speed round questions49:49 – 51:40 OutroImportant links and mentions:Visit e-Learning Uncovered: www.elearninguncovered.comVisit Artisan Learning: www.artisanelearning.comConnect with Diane on LinkedIn: https://www.linkedin.com/in/dpelkins/

In the 2nd hour of today's show, the guys hit 4th and 1. Falcons are putting in all their chips on defense this season.

Dolphins sloppy 4th quarter is expected in preseason. Jaguars kicker makes a 70-yard field goal. It could be a make or break season for guys like Cam Smith, Channing Tindall, and Erik Ezukama.

Entering year 4 for Mike McDaniel, this could be the last chance for lots of returning Dolphins that have underperformed in the past.

Bickley and Marotta talk Diamondbacks, Bickley Blasts on the Cardinals, and we're joined by Paul Calvisi.

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With Paul Catalina Sam Khan of The Athletic joins 365 Sports to break down Texas Tech's massive recruiting win—landing 5-star edge rusher Damien Guyton from Georgia with a reported $3.5 million NIL deal. The crew discusses how Joey McGuire and the Red Raiders are using big NIL investments and upgraded facilities to compete with SEC powers, why this season is a “proof of concept” year, and the pressure to finally win a Big 12 title. Sam also shares takeaways from the national recruiting symposium in Nashville, where over 1,000 college and NFL staffers discussed the rapidly evolving player acquisition game. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bickley and Marotta talk NFL, Bickley Blasts on the Cardinals, and we're joined by Buster Olney.

Sam Khan of The Athletic joins 365 Sports to break down Texas Tech's massive recruiting win—landing 5-star edge rusher Damien Guyton from Georgia with a reported $3.5 million NIL deal. The crew discusses how Joey McGuire and the Red Raiders are using big NIL investments and upgraded facilities to compete with SEC powers, why this season is a “proof of concept” year, and the pressure to finally win a Big 12 title. Sam also shares takeaways from the national recruiting symposium in Nashville, where over 1,000 college and NFL staffers discussed the rapidly evolving player acquisition game. Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Your Customer Experience Is Killing Referrals (and How to Fix It) In this episode, Doc Danny shares the three-step customer experience framework that drives more referrals, boosts retention, and builds a reputation that speaks for itself. Inspired by a recent emergency surgery experience with his son, Danny lays out exactly how clinics can elevate their communication and consistency—without spending a dime on marketing.

Want to create true success? The kind where you hit big goals without missing the big moments that matter along the way? I'm currently on a road trip with my mom and brother, and it inspired me to share what it takes to live a rich life where you build massive businesses, generate wealth, and still create priceless memories with the people you love. I share three powerful rules I live by that have shaped not only my business success, but also my most meaningful life experiences. Plus, the biggest difference between the dreamers and doers.  In this episode, you will learn: How to create success where you build wealth and actually enjoy life along the way. The mindset shift that separates dreamers from doers. How to identify what's really holding you back from taking action towards your goals. Ways to create time for what matters most in your busiest seasons. The secret to enjoying success WHILE you're building it.   RESOURCES Join the most supportive mastermind on the internet - the Mentor Collective Mastermind! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Lori: @loriharder Frello: @frello_app  

Hey, remember that Dana is Nebraska's OC?

Domonique and Charlie dive into the mailbag to answer if they buy Luka being "in shape" again, which QBs are in a make-or-break season this year, if gambling in pro sports is here to stay, and if Jalen Hurts should give Domonique credit for his latest commercial. 0:00 Welcome back to The Domonique Foxworth Show 2:56 Could you see an NFL player standing up to Goodell? 14:46 Do you think gambling is here to stay in pro sports? 24:09 Thoughts on the perceived weakness of the NFL union 29:57 Are you buying "in shape" Luka again? 41:43 What QBs are in a make-or-break season this year? 51:13 Are there any QBs who busted that you still think should've been good? 55:49 Are you mad that Hurts didn't mention you in his new commercial? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Domonique and Charlie dive into the mailbag to answer if they buy Luka being "in shape" again, which QBs are in a make-or-break season this year, if gambling in pro sports is here to stay, and if Jalen Hurts should give Domonique credit for his latest commercial. 0:00 Welcome back to The Domonique Foxworth Show 2:56 Could you see an NFL player standing up to Goodell? 14:46 Do you think gambling is here to stay in pro sports? 24:09 Thoughts on the perceived weakness of the NFL union 29:57 Are you buying "in shape" Luka again? 41:43 What QBs are in a make-or-break season this year? 51:13 Are there any QBs who busted that you still think should've been good? 55:49 Are you mad that Hurts didn't mention you in his new commercial? Learn more about your ad choices. Visit podcastchoices.com/adchoices

President Trump has acknowledged that there is real starvation in Gaza and that Israel has a responsibility for the flow of aid. Also in this podcast: Thailand and Cambodia agree a ceasefire, Google admits that its earthquake warning alerts haven't worked, the Chinese monk accused of corruption and womanising, and a BBC editor who has penned a musical satire.The Global News Podcast brings you the breaking news you need to hear, as it happens. Listen for the latest headlines and current affairs from around the world. Politics, economics, climate, business, technology, health – we cover it all with expert analysis and insight. Get the news that matters, delivered twice a day on weekdays and daily at weekends, plus special bonus episodes reacting to urgent breaking stories. Follow or subscribe now and never miss a moment. Get in touch: globalpodcast@bbc.co.uk

Evan watched Happy Gilmore 2 while Michelle and Canty thought they were going to watch it all together. Jerry and Stephen Jones continue to add fuel to the fire with the ongoing Micah Parsons situation. Then, we go through some of the best sound from the NFL's Back Together Weekend. Is this a make or break year for Justin Herbert and the Chargers. Plus, are the Falcons one of the top offenses in the NFL? Learn more about your ad choices. Visit podcastchoices.com/adchoices