Podcasts about Miami

It's Pop Culture Thursday on the JTrain Podcast! Jared breaks down the week's wildest celebrity stories with sharp wit and signature sarcasm. From Travis Kelce's shirtless Miami moment and nickname “Big Yeti,” to Kourtney Kardashian's take on school being “outdated,” Jared unpacks the headlines through the lens of body image, parenting pressure, and the chaos of online culture. Plus, we get into Heidi Klum's glamorous getaway, Bill Belichick's dating life, and Justin Bieber's Insta fail. With every story, Jared adds his hilarious perspective and reminds us why pop culture is the perfect mirror to our collective nonsense.Support the podcast by supporting our sponsors!Get 10% off your Hero Bread order with the code JTRAIN at https://www.hero.co

Topics: Wives making more money than their husbands, Justin Bieber Told Hailey Bieber She'd "Never" Be on Vogue Cover, the NFL's tush push voted to stay, Travis Kelce's back hair, Tay's going to Miami to see Stassi walk in the SI Swimsuit Runway show, Tay yelled at United AirlinesSponsors:Arya: Visit arya.fyi and use code TAYLOR for 15% off todayMint Mobile: Get your summer savings and shop premium wireless plans at MINTMOBILE.com/TAYLORProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week on our iced-out, diamond-drenched Part One episode, we're deep in glamorous chaos with Miami queen and former Real Housewives of Miami star, Lea Black, inside the Palazzo Suite. Draped in diamonds and flanked by bodyguards, Lea drops jaw-dropping stories—from her Texas roots and Beverly Hills nights to jury duty fatefully leading her to powerhouse attorney (and future husband) Roy Black. She opens up about building a beauty empire, her philanthropic passion, and how she's helping families achieve home ownership—all while serving lewks and legacy. Lea dishes on revamping Roy's office (and image), transforming him into a legal media star who went on to defend clients like Rush Limbaugh, Kelsey Grammer, William Kennedy Smith, and Marv Albert. From courtroom dramas to reality TV chaos, nothing's off-limits. Oh, and her bling? Iconic. Her first bank loan at 18? Spent on a diamond. Now she's teasing a Lea Black Jewelry Line with dupe-worthy dazzlers for stylish socialites everywhere. Pol' reads Lea's Armenian coffee cup and sees big moves ahead—reviving her iconic skincare line and selling designer treasures for charity. “I love seeing people thrive,” she says, revealing a heart as big as her rock collection. And yes, the Housewives tea is scalding. Lea spills on how she was never meant to be a full-time cast member, and how producers roped her in after Joe Francis name-dropped her at a taping. She recalls betrayal at the reunion, behind-the-scenes scripting, and castmates who turned cruel once cameras rolled. Her response? “That might've been for the show for you—but not for me.” She calls out “trash over class” casting, confirms friendships with Joanna Krupa, Lisa Hochstein, Karen Sierra, and Anna Kournikova, and praises Teresa Giudice's legendary table flip. There's even a royal roast: Lea muses on William, Kate, Charles, Camilla, Harry, and Meghan, cheekily wondering if the real crisis is PR—not cancer. Plus: Lea weighs in on Jeff Lewis's new man, bougie husbands, COVID-era luxury, the power of a great handbag, and Chump Nation's coffee-reading obsession. From Real Housewife to real-deal philanthropist, Lea Black proves you can wear couture and still care. This is another Hurrdat Media Production. Discover more shows at HurrdatMedia.com or on the Hurrdat Media YouTube channel. Subscribe to our audio: linktr.ee/undressedpod Follow Pol Atteu:  Instagram: @polatteu  Tiktok: @polatteu  Twitter: @polatteu  www.polatteu.com Follow Patrik Simpson:  Instagram: @patriksimpson  Tiktok: @patriksimpsonbh www.patriksimpson.com Follow SnowWhite90210: Instagram: @snowwhite90210 Twitter: @SnowWhite9010 www.snowwhite90210.com Watch Gown and Out In Beverly Hills on Prime Video.  www.gownandoutinbeverlyhills.com #UndressedPodcast  Armenian Coffee Reading: https://polatteu.com/armenian-coffee-cup-read   Learn more about your ad choices. Visit megaphone.fm/adchoices

Stassi's under the weather but still has the energy to come for Kristina Kelly's favorite mom bag (the one she'd save in a fire). They debate airport fashion (it's a runway!), upcoming Italy and Miami trips with the kids, and Stassi's unforgettable airport paparazzi moment in a onesie. Plus: Stassi's obsessed with the Annabelle dolls haunted tour and TikTok's destiny-swapping trend—while Kristina's skeptical (eye-roll included). Thanks for supporting our sponsors:Progressive: Visit Progressive.com to see if you could save on car insurance.Pluto TV: Pluto TV is your free streaming app to watch free full movies and TV shows anywhere, on any device. Download today.Nutrafol: Get $10 off your first month's subscription and free shipping when you go to Nutrafol.com enter promo code STASSI.Hiya: Receive 50% off your first order. Go to hiyahealth.com/STASSI.OpenPhone: OpenPhone is offering my listeners 20% off of your first 6 months at OpenPhone.com/STASSI.Caraway: Visit Carawayhome.com/STASSI10 and take an additional 10% off your next purchase.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

MUSICFoo Fighters haven't announced a replacement yet for Josh Freese, but they have added more shows to their schedule -- October 2nd in Jakarta, Indonesia, plus dates in Japan October 7th and 10th. Shane Hawkins, the son of late Foo Fighters drummer Taylor Hawkins, will drum for his dad's cover band Chevy Metal on a summer tour that starts July 19th in Denver and wraps up August 31st in Agoura Hills, California. People were already not huge fans of Morgan Wallen's rap-cover of the Keith Whitley classic, "Miami". But now everyone is convinced that he used Alvin and the Chipmunks for the vocals. The Country Music Hall of Fame just debuted a brand-new exhibit, featuring the one-and-only Dolly Parton. TVRIP: George Wendt, best known for his role as Norm Peterson on the sitcom Cheers, died peacefully at his Chicago home on Tuesday at age 76, according to The Hollywood Reporter. His passing coincided with the 32nd anniversary of the show's final episode. The cause of death was not disclosed· Kim Kardashian is now selling a SKIMS nipple bra with faux piercings· Whoopi Goldberg reveals she 'hasn't worn a bra in 50 years': 'I don't mind if they hit the floor', she revealed on The View. The actress then proceeded to kick one of her imaginary extra stretchy breasts up into the air like a soccer ball and then loop it over her shoulder like a scarf for extra added convenience. MOVING ON INTO MOVIE NEWS:The trailer for the "It" prequel series "Welcome to Derry" just kinda looks like a new version of "It". Bill Skarsgård has returned to play Pennywise the Dancing Clown. Coming up later this Summer on HBO. “Jurassic World: Rebirth” released the first trailer featuring Scarlett Johansson. Denzel Washington had to deal with an overzealous cameraman at the Cannes Film Festival. · COMEDY Sarah Silverman had a brother named Jeffrey who died before she was born. And she just opened up to "Rolling Stone" about HOW he died . . . and it's pretty awful. AND FINALLYAre you in the mood for a good cry? People over at Reddit.com are sharing which movies emotionally destroyed them. Here are some highlights:AND THAT IS YOUR CRAP ON CELEBRITIES!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave and Chuck the Freak talk about Whoopi Goldberg hasn’t worn a bra in 50 years, National Wait Staff Day, Dave’s Red Lobster days, sending food back at restaurant, old man shot door-to-door salesman, close call at LaGuardia, update on New Orleans jail break, UHaul crash nearly crushed a driver, teen swimmer saved by a guy’s drone, man in Australia bit by shark, man doing a swim to change narrative on sharks, listener sees crazy Georgia license plate, update on guy who fell from stands at Pirates game, Bill Belichick might have proposed, George Wendt dies, exotic male dancer named The Punisher testifies at Diddy trial, little person arrested for going 118mph, Mini Gun movie idea, guy busted soliciting dollar store employees for sex, woman falsely imprisoned and threatened to fork her mother, update on big lady who pooped on car during road rage incident, adult posed as kid and played high school sports, another victim of scam where they hand you something and steal your jewelry, smuggler strapped drugs to a cat and sent it into prison, OnlyFans could be considered the same as buying sex in Sweden, man fought off coyote with bare hands, Uber driver pulled gun on up-and-coming Miami rapper, medical helicopter made emergency landing on front yard of house, bus driver saved kids during tornado, house where people keep crashing in backyard, woman discovered thousands of bees living in roof, paying with coupon on a date and more!

Imagine this: you're standing inside a trendy L.A. grocery store—maybe it's Erewhon. You've got a cooler full of canned soda that claims to be good for your gut. You're not a celebrity and you're not even the founder of the company. You're just a guy with a vision, a few samples, and the audacity to talk your way into a product launch.That was Steven Vigilante back in 2018. Today, Olipop—the better-for-you soda brand that he helped bring to life—is in more than 30,000 stores across the country. They've partnered with Barbie, NASCAR, the Brooklyn Nets, New York Liberty, and somehow even made it into a Luke Combs music video.But it didn't start there. Steven cut his teeth in venture capital, betting early on health forward brands. When he saw the potential in a fiber-packed functional soda, he jumped in—first as an advisor, and then as the architect behind some of the boldest growth and partnership strategies in beverage today.So how do you build a soda brand that dares to take on the likes of Coke and Pepsi? One that trades sugar for science and still wins hearts and taste buds across America? In addition to all of that, they're also major partners for CITIUS MAG.This is the latest episode of The Build with Steven Vigilante, Director of Media and Partnerships at Olipop, on staying scrappy, scaling smart, and crafting a new kind of soda, one can at a time.Host: Chris Chavez | ⁠⁠⁠⁠⁠@chris_j_chavez on Instagram⁠⁠⁠⁠Guest: Steven Vigilante | @stevenvigilante on XSUPPORT OUR SPONSORSPILLAR PERFORMANCE: We all know that sleep is where the magic happens. That's when your body is rebuilding – but getting into those deeper stages of sleep is what makes the difference between just going to bed and actually recovering. Just mix in a scoop of water about 30 to 60 minutes before bedtime. It's simple, it's clean, it's vegan, and NSF certified. If you're someone who takes their training and recovery seriously, this is something worth trying. Head to ⁠⁠pillarperformance.shop⁠⁠, or if you're in North America, go to ⁠⁠thefeed.com⁠⁠ and use code CITIUS for 15% off your first purchase.GRAND SLAM TRACK: This isn't your average track meet. This is Grand Slam Track, where legends are made, records fall, and the stakes are high. After a sellout crowd in Miami and $100,000 awarded to each Slam champion, the league now heads to one of the most iconic stages in American track: Franklin Field in Philadelphia, May 30th-June 1st. Grab your tickets now at ⁠⁠GrandSlamTrack.com⁠⁠ and witness it all packed into one unforgettable weekend. VELOUS: Recover smarter with VELOUS' new active adjustable slide! Tired feet? VELOUS has you covered. VELOUS just launched the NEW Active Adjustable Slide, designed to take your recovery to the next level. With a perfectly contoured midsole, these slides maximize cushioning and support to help ease tired feet and legs. Run. Recover. Repeat with VELOUS. ⁠⁠Check out the entire collection and enjoy 20% off your purchase by entering code CITIUSMAG20 at checkout!

Capt. Eric Herstedt is a seasoned and versatile fishing guide based in Everglades National Park and the Florida Keys, specializing in light tackle and fly fishing. Whether it's spin, bait, plug, artificial, or fly—Eric does it all, and he does it with the best of them. With decades of experience and an unmatched passion for the water, Eric has built a reputation as a top-tier guide known for his skill, adaptability, and commitment to providing unforgettable days on the water.Born in Miami and raised on Long Key in the heart of the Florida Keys, Eric developed a deep connection to the outdoors and the rich fishing grounds surrounding him. By the age of 3, he was already casting a spin rod, and at just 14 years old, he achieved his first Flats Grand Slam—landing a bonefish, permit, and tarpon in a single day. Though spin and plug fishing were his early go-tos, Eric discovered fly fishing at age 9 and quickly embraced its challenges and rewards.Eric's talent and dedication have made him a fixture in the tournament scene. He and Nicky fished the Golden Fly Tarpon Tournament together for nine consecutive years, narrowly missing a victory a couple of times. In 2022, Eric and angler Mike Criscola finished as runners-up in the legendary Gold Cup Tarpon Tournament—further proof of Eric's consistency and sharp instincts under pressure.Beyond the tournaments, Eric has contributed to conservation efforts with Bonefish & Tarpon Trust (BTT), working alongside Capt. Doug Kilpatrick and Dr. Ross Boucek to help establish best practices for handling bonefish safely at the boat.Eric is known not only for his skills on the water but also for his honesty and authenticity—he's a straight shooter who tells it like it is. Whether you're chasing tarpon on fly or just getting your feet wet, Eric is the kind of guide who makes the day memorable.We hope you enjoy getting to know Capt. Eric Herstedt as much as we have.

Have you ever wondered why men rarely talk about size concerns, even as cosmetic procedures become increasingly normalized for women? In this fascinating conversation with Dr. Joel Pash, we pull back the curtain on the secretive world of male enhancement and discover why more men than ever are seeking solutions.Dr. Pash, an anesthesiologist by training and co-founder of Upsize Clinic, reveals how his expertise with complex injections led him to revolutionizing male enhancement procedures. Far from the risky surgeries many envision, the modern approach involves a 45-minute injectable procedure with immediate results and minimal recovery. With effects lasting approximately two years, it represents a safer alternative to permanent surgical implants that can lead to serious complications.Throughout our candid discussion, we explore why men across America – from metropolitan hubs like San Francisco and Miami to everywhere in between – are quietly investing in these procedures, often without telling even their closest friends. Dr. Pash shares shocking stories of medical tourism gone wrong, with patients seeking bargain procedures in Mexico or Eastern Europe only to require corrective treatment later. At around $6,000, these procedures aren't covered by insurance, yet demand continues to grow as men seek the same confidence boost women have long pursued through cosmetic enhancement.The parallels between male enhancement and other cosmetic procedures prove enlightening – from the psychological benefits to the potential risks when cutting corners. Whether you're curious about the procedure yourself or simply fascinated by this rarely discussed aspect of men's health, this episode offers unprecedented insight into why size matters and the lengths men will go to address their most private insecurities.Discover more about safe enhancement options by visiting upsizematters.com, where you can find a qualified provider near you through their doctor finder tool.Join the What if it Did Work movement on FacebookGet the Book!www.omarmedrano.comwww.calendly.com/omarmedrano/15min

Travis is taking a look at some of the potential hidden gems on the roster who aren't catching a ton of notoriety just yet, but could be contributors come September. Plus, perhaps the biggest hidden gem of the Dolphins coaching staff, Defensive Line Coach Austin Clark has an impressive resume of developing players, and now he gets a crack at three rookie defensive tackles. Travis explains why that's a perfect marriage for this Miami defense.See omnystudio.com/listener for privacy information.

Jameson Taillon took the mound as the Chicago Cubs exploded for 12 runs in a dominant win over the Miami Marlins! Kyle Tucker broke out of his slump with a big game at the plate, helping power the offense in support of Taillon's solid outing. The CHGO Cubs crew breaks down Tucker's resurgence, Taillon's performance, and what this game means for the Cubs moving forward. Big game from Seiya Suzuki, Nico Hoerner, and Dansby Swanson! Will the Cubs win the series finale? Don't miss this postgame podcast packed with analysis, highlights, and all the key moments from Miami!

Have you ever wondered if there's something hidden in your heart that might be pushing you away from God's best for your life? In today's episode, hosts Gaby Alessi explore the subtle but powerful presence of pride and how it can act as an ungodly indicator in our spiritual walk. Together, we'll dive into Psalm 139 and uncover how true humility opens the door to conviction, transformation, and a deeper relationship with the Lord. We'll reflect on the courage it takes to ask God to search our hearts and learn how to recognize pride, even when it tries to hide.Join us as we pray together for open hearts and a willingness to let God guide us on the everlasting way, trusting that He knows the whole story. Let's seek Him in humble devotion as a community today.Tap HERE to send us a text! BECOME A FOUNDING "MY MORNING DEVOTIONAL" MEMBERIf you enjoy your 5 minute daily dose of heaven, we would appreciate your support, and we have a fun way for you to partner with the MMD community! We've launched our "Buy Me a Coffee" membership where you can buy us a latte, OR become a founding member and get monthly bonus video episodes! To donate, go to mymorningdevo.co/join! Support the showNEW TO MY MORNING DEVOTIONAL? We're so glad you're here! We're the Alessis, a ministry family working together in a church in Miami, FL, and we're so blessed to partner with the My Morning Devotional community and continue the great work done by the show's creator and our friend, Alison Delamota.Join our Community Subscribe to the show on this app Share this with a friend Follow Us on ⁠Instagram⁠ and ⁠Facebook⁠ ⁠Leave a review Support Our Friends and Family Connect with the original host of MMD Alison Delamota Follow our family podcast The Family Business with The Alessis Check out our Worship Music Hear the new music project "Praise the Lord EP" from Metro Life Worship and Mary AlessiListen on SpotifyWatch on YouTube

Send us a textThe OG crew kicks things off with the latest Antonio Brown news of him getting jumped outside a Miami boxing event. Z-Bird gets snubbed for WWE Night at the Pirates game, but proves he's got the best macho man impression in the Burgh. Meanwhile, Pittsburgh social media is buzzing about a dude effortlessly biking up the legendary Pig Hill.A Mexican Navy ship crashes into the Brooklyn Bridge, we debate breastfeeding at a restaurant, and a man confesses to dumping his adult doll on the side of the road, sparking viral headlines after it was mistaken for something far more disturbing. And we talk about the benefits of “fart walking. All that and more on this week's episode of Greenfield's Finest Podcast.Check out our upcoming events, social media, and merch sale at the link below ⁠⁠https://linktr.ee/GFP Spotify:https://open.spotify.com/show/7viuBywVXF4e52CHUgk1i5 Produced by Lane Media ⁠https://www.lanemediapgh.com/

In this episode of the Austin Palacios Podcast, Austin sits down with entrepreneur and yacht club founder Michael Lupolover. From a legal career in New York to launching a debt settlement company during the 2008 financial crisis, Lupolover shares his journey to discovering his true passion: luxury hospitality and yachting in Miami. They dive into the evolution of Lupolover's businesses, the birth of Lupo Yacht Club, and how he turned a side hustle into a thriving luxury membership model. Expect insights on entrepreneurship, building systems, hiring talent, and disrupting traditional yacht ownership with an innovative membership approach.

Cleon, Eddie, and Mike are back and we got a 6 POINT WEEK! Two southern beatdowns provided by the boys in Purple!We Discuss:- Florida is always Purple- Beating up on Charlotte FC- Stock Up / Stock Down- Open Cup vs Nashville Wednesday- Portland at Home Saturday- ShoutoutsCheck out our Sponsors:Hourglass Brewing https://hourglassbrewing.com/Chad McGibbon RealtyEddie Cruz Comparion Insurance Agent ⁠⁠⁠⁠⁠https://www.comparioninsurance.com/in...Leo with Epic Mortgage: Applywithleo.com

Full audio segment of Uncle Phil & Diamond Dave's Miami Review from Episode 222 of TJRSThis Episode of TJRS is brought to you by The Rowdy Rangers Club on Patreon. The Rowdy Rangers Club offers all access to TJRS content including this episode - club members get the YouTube video, podcast audio and memes before its released to the general public. Additionally, club members get Patreon exclusives such as first priority interview questions to ask guests, and MLR rumors from time to time as well! Head on over to patreon.com/jacksrangers to join today!TJRS has new video content often so make sure you're subscribed: https://tinyurl.com/jackstubeSubscribe to TJRS, the best Free Jacks' podcast on the internet: https://tinyurl.com/jacksspotTwitter: / jacksrangers Instagram: / jacksrangers Facebook: / jacksrangers Podcast: https://tinyurl.com/jacksspotSupport this podcast at — https://redcircle.com/jacksrangers/donations

Chad “Ochocinco” Johnson is a former NFL wide receiver who spent the majority of his career with the Cincinnati Bengals. He now co-hosts “Nightcap” with Shannon Sharpe and is also a commentator for ESPN.  Theo is joined by the one and only Ochocinco while in Miami. They talk about how he navigated his unique and illustrious career, why he only dates moms now, and how he leaned on a sultry profession to survive before the fame…  Chad “Ochocinco” Johnson: https://www.instagram.com/ochocinco/ ------------------------------------------------ Tour Dates! https://theovon.com/tour New Merch: https://www.theovonstore.com ------------------------------------------------- Sponsored By: Celsius: Go to the Celsius Amazon store to check out all of their flavors. #CELSIUSBrandPartner #CELSIUSLiveFit https://amzn.to/3HbAtPJ Acorns: Download the Acorns app and sign up with code THEO20 for your chance to get your refund matched and invested in you.   Tecovas: Go to http://tecovas.com/theo to get 10% off when you sign up for email and texts. Manscaped: Go to http://manscaped.com and use code THEO to get 15% off your entire order.  BetterHelp: This episode is sponsored by BetterHelp — go to http://betterhelp.com/theo to get 10% off your first month. Shopify: Go to http://shopify.com/theo to sign up for your $1-per-month trial and start selling today. ------------------------------------------------ Music: “Shine” by Bishop Gunn Bishop Gunn - Shine ------------------------------------------------ Submit your funny videos, TikToks, questions and topics you'd like to hear on the podcast to: tpwproducer@gmail.com Hit the Hotline: 985-664-9503 Video Hotline for Theo Upload here: https://www.theovon.com/fan-upload Send mail to: This Past Weekend 1906 Glen Echo Rd PO Box #159359 Nashville, TN 37215 ------------------------------------------------ Find Theo: Website: https://theovon.com Instagram: https://instagram.com/theovon Facebook: https://facebook.com/theovon Facebook Group: https://www.facebook.com/groups/thispastweekend Twitter: https://twitter.com/theovon YouTube: https://youtube.com/theovon Clips Channel: https://www.youtube.com/c/TheoVonClips Shorts Channel: https://bit.ly/3ClUj8z ------------------------------------------------ Producer: Zach https://www.instagram.com/zachdpowers Producer: Nick https://www.instagram.com/realnickdavis/ Producer: Trevyn ⁠https://www.instagram.com/trevyn.s/⁠  Producer: Colin https://instagram.com/colin_reiner Learn more about your ad choices. Visit megaphone.fm/adchoices

New York Times Bestselling author Brad Meltzer joins the show to talk about his Sesame Street home in Brooklyn and the several influential kitchens that followed. He tells Michele about his mom's gift for interior design, visits to his future father-in-law's restaurant as a teenager and a propensity for the men in his family to get struck by lightning - literally. Plus he shares the fried conch recipe from the famous Miami restaurant and Civil Rights landmark, Jumbo's! Hosted on Acast. See acast.com/privacy for more information.

On the latest State of the Union episode, we highlight the FA Cup triumph for Crystal Palace, who ended a 119-year drought with a 1-0 win over Manchester City. Chris Richards played a starring role, becoming—along with Matt Turner—the first USMNT player to win the FA Cup since Tim Howard in 2004. In the Netherlands, Malik Tillman capped PSV's 3-1 win over Sparta Rotterdam, completing a remarkable Eredivisie turnaround where Ajax went from nine points up to one point behind. In Italy, Juventus took a step toward Champions League qualification as Weston McKennie and Tim Weah featured in a 2-0 win. Roma beat AC Milan 3-1 despite an assist from Pulisic. Meanwhile, Inter and Napoli drew, pushing the Serie A title race to the final day. In Germany, Gio Reyna's late appearance in Dortmund's 3-0 win sealed a UCL spot, though his emotional reaction hinted at a possible farewell. Where would you like Reyna to land next season? In La Liga, Lamine Yamal dazzled again, scoring his 17th goal in all competitions. Is he truly the best player in the world? MLS Rivalry Week saw intense matchups: Reus saved LA Galaxy with a free-kick, while Inter Miami's form collapsed in a 3-0 loss to Orlando. We closed the pid with a breakdown of the U.S. Gold Cup 60-man prelim roster, headlined by Pulisic, Balogun, and Tyler Adams, with debates on sleeper picks like Sebastian Berhalter. Who does AI think Mauricio Pochettino will select for this week's 26-man roster? USMNT Abroad: PSV wins title, Turner & Richards make history (5:08)MLS Rivalry Week: El Trafico madness, Messi & Miami's poor form (26:44)#AskAlexi: The importance (or lack thereof) soccer head coaches (38:38)One For The Road: AI predicts USMNT Gold Cup Roster (44:50) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Scott Mason chats with Larion Bing of the 26 Degrees podcast about the life and football journey of new Jets LB Francisco "Kiko" Mauigoa! Larion discusses Mauigoa's pre-Miami days, how he wound up transferring to Miami from Washington State despite a lot of competition from other schools, what his 2 seasons at Miami were like, leadership and academic abilities, family ties including a younger brother who is a top OL prospect at Miami, potential fit in NY.......and much more! Check out the Play Like A Jet store and get your "Play Like A Jet" logo shirt RIGHT NOW! Hoodies, hats, mugs, etc.....also available! https://www.teepublic.com/t-shirt/19770068-play-like-a-jet-logo-shirt?store_id=717242 To advertise on Play Like A Jet, please contact: Justin@Brokencontrollermedia.com Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's edition of ZASLOW SHOW 2.0, Zaslow is joined by Florida Panthers TV analyst, Randy Moller, to preview tonight's Eastern Conference Finals Game 1 at Carolina. How do we make sure we don't take all of this for granted? How did the Panthers get to this point? Have they had a harder path than Carolina? How has Brad Marchand fit in so easily? Zaslow and Moller get you ready for tonight. The Law Offices of Anidjar & Levine "ZASLOW SHOW 2.0" is presented by Anidjar & Levine, Accident Attorneys. Call 800-747-FREE (3733) and get the money you deserve. CanesWear has the largest selection of Miami Hurricanes items. And, an amazing selection of all your favorite South Florida Pro teams. Dolphins, Panthers, Heat, Inter Miami and Marlins items, are all available. No matter which South Florida Team you root for, CanesWear is the spot, Miami fans shop, CanesWear.com Signature Real Estate Whether you're buying your dream home, selling your property, or looking to join the best in the business, contact Matthew H. Maschler at 561-208-3334 or Matt@RealEstateFinder.com Johnny Cuba Official beer of ZASLOW SHOW 2.0 - European Roots with a Caribbean Soul #StayTranquilo Brunt Insurance Official insurance agency of ZASLOW SHOW 2.0. Wherever you're located in Florida, from Pensacola to The Keys and beyond, Brunt Insurance delivers you comprehensive insurance tailored exactly to your needs. Home, auto, boat, life insurance, call 954-589-2204. BioResponse When disaster strikes, every second counts. BioResponse is South Florida's trusted leader in emergency restoration—specializing in water damage, mold removal, and fire cleanup. We're available 24/7, ensuring your home or business gets back to normal—fast. BioResponseCorp.com If your business targets 25-54 year old Men, let's advertise on ZASLOW SHOW 2.0!! Email jonathanzaslow@gmail.com and join the growing list of partners!!

Have you ever noticed that you're being way too negative? In today's episode, host Gaby Alessi  guides us through recognizing frustration as an "ungodly indicator"—a gentle sign that we may need to realign our outlook. Drawing inspiration from James 1:2–4, we'll discover why perseverance in the face of trials is vital for our spiritual growth, and how choosing joy is a powerful act of faith.Join us as we gather in prayer and devotion, asking God to give us fresh eyes—eyes that see each trial as a training ground, knowing He is building our spiritual resilience with every step.Tap HERE to send us a text! BECOME A FOUNDING "MY MORNING DEVOTIONAL" MEMBERIf you enjoy your 5 minute daily dose of heaven, we would appreciate your support, and we have a fun way for you to partner with the MMD community! We've launched our "Buy Me a Coffee" membership where you can buy us a latte, OR become a founding member and get monthly bonus video episodes! To donate, go to mymorningdevo.co/join! Support the showNEW TO MY MORNING DEVOTIONAL? We're so glad you're here! We're the Alessis, a ministry family working together in a church in Miami, FL, and we're so blessed to partner with the My Morning Devotional community and continue the great work done by the show's creator and our friend, Alison Delamota.Join our Community Subscribe to the show on this app Share this with a friend Follow Us on ⁠Instagram⁠ and ⁠Facebook⁠ ⁠Leave a review Support Our Friends and Family Connect with the original host of MMD Alison Delamota Follow our family podcast The Family Business with The Alessis Check out our Worship Music Hear the new music project "Praise the Lord EP" from Metro Life Worship and Mary AlessiListen on SpotifyWatch on YouTube

Is it 2020 Alabama? '08 Florida? '01 Miami? Who takes the throne? Is the best player of the 2000's Vince Young, Reggie Bush, Ndamukong Suh? Well, apparently Cam Newton is. The best "non" trade in Houston history Robert Horry or Hakeem Olajuwon? Or is it Altuve almost destroying the Astros as we know it? Should the umpire position be filled with technology or stay as a job for people" And one more look at the "Tush Push."

In this special episode recorded live at Cuba Nostalgia in Miami, the Stay Tranquilo crew sits down with Orlando Mendez and Vic Garcia to reflect on the powerful stories of their Cuban grandparents—escaping communism, rebuilding from nothing, and laying the foundation for the lives we live today.From life-risking journeys across the ocean to the vibrant family traditions that define Cuban-American culture, this episode honors the grit, soul, and legacy passed down through generations.We talk identity, heritage, music, food, and what it truly means to carry the spirit of Cuba—even if we've never stepped foot on the island.

In this high-octane episode of the WFO Ignition Podcast, host Joe Castello and his colorful crew—featuring Sue Morris, Gio in Miami, and the ever-passionate Patreon gang—dive into a thrilling motorsports weekend with their signature blend of humor, insight, and unfiltered debate. The episode recaps the NASCAR All-Star Race at North Wilkesboro Speedway. The crew breaks down the Indy 500 qualifying, marveling at Team Penske's penalty. F1's Imola Grand Prix gets the WFO treatment, with Max Verstappen's victory sparking discussions on strategy and competition. The NHRA Gerber Collision and Glass Route 66 Nationals in Chicago takes center stage, as Tony Stewart's Top Fuel win—ignites excitement, with Joe sharing behind-the-scenes insights from his NHRA announcing role. The episode heats up when Sue Morris and Gio in Miami lead a spirited debate as Amazon Prime takes over the NASCAR coverage and the return of Dale Jr. Sue questions whether the streaming giant can capture the sport's raw energy, while Gio argues it could modernize the fan experience. The Patreon crew chimes in with bold takes, from concerns about accessibility to optimism for high-tech broadcasts, creating a lively clash of opinions. Joe Castello masterfully steers the chaos, keeping the conversation on track while weaving in his trademark storytelling, including a nod to Kyle Larson's Indy-NASCAR double attempt. Packed with motorsports analysis, insider nuggets, and the crew's infectious camaraderie, this WFO Ignition episode is a must-listen for racing fans craving raw, real talk.

Tomorrow there will be a big announcement from Paxson. Radio rumors, WIOD FM? Panthers in the playoffs. Paul Harvey, Jr. with a Johnny Depp spy report. 11-2

FTN's Dan Thompson (@redfoxroto) breaks down the latest news in the world of MLB bullpens, relief pitchers and save opportunities. On today's show, Dan breaks down the situations in Philadelphia, Chicago (Cubs), Pittsburgh, Texas, Miami, and the LA Angels.Dan updates the FTN Bullpen Report (leverage chart) daily!The 2025 FTN Fantasy Baseball Guide is loaded with the best fantasy baseball content, rankings, projections and tools! Join us this season at www.FTNFantasy.com. No team of analysts is better equipped to help you dominate your leagues, featuring three NFBC overall champions!Our in-season content is loaded and includes our Industry Most-Accurate Daily and Weekly Projections & Rankings. Rest of Season projections and the FTN model's 2025 FILTH Pitcher Metric Leaderboard is now live!Our weekly content schedule: Mondays - The Week Ahead (Lucas Biery)Mondays - NFBC Waiver Watch (Todd Whitestone)Wednesdays - The Bullpen Report (Dan Thompson)Thursdays - Gut Feelings (Vlad Sedler)Mondays/Fridays - Fantasy Baseball Waiver Wire (Joe Orrico/Adam Young)Saturdays/Sundays - Trust the Gut FAAB (Vlad Sedler) and Drops & Disasters (Mike Mager)Your fantasy baseball cheat code: FTN Fantasy Baseball

Michael Allison is a U.S. Marine Corps veteran who survived a devastating VBIED (vehicle-borne improvised explosive device) attack in Iraq—but his toughest battles came after the war. In this episode of Urban Valor, Michael opens up about the trauma that followed his deployment, including PTSD, addiction, and divorce.Born in Jamaica and raised in America, Michael's life was marked by adversity from the start. After joining the Marines at just 17, he was deployed to some of the most dangerous combat zones in the Middle East. When his convoy was hit by a deadly car bomb, he was awarded the Purple Heart. But it was life after service that nearly broke him.From losing close friends in combat to battling mental illness, alcoholism, and the collapse of his marriage, Michael faced rock bottom. In this episode, he shares the raw truth of what it's like to come home broken—and how he rebuilt his life, remarried his wife, reconnected with his children, and found healing through therapy and purpose.

Jessica Smetana and the Spreadsheets & Tailgates newsletter's Michael Bryan join to take a look at what preseason win totals might mean for a long list of college football teams. Topics include but are not limited to: Freedom from the Big Ten West, Cignetti Year Two in Bloomington, Clemson hype vs. reality, the cowardice of the USC Trojans, a big year for LSU, sad times in Palo Alto and Stillwater, interesting times in Miami, expectations for Deion, Narduzzi purgatory, the circus in Chapel Hill and potentially tough years for both Clark Lea and Steve Angeli. Sign up for the newsletter and/or browse the merch here: https://linktr.ee/rakesreport

In this episode of the Meet the Mentor Series®, Dr. Bill Dorfman sits down with actor, writer, and producer Ryan Powers, whose journey from small-town Massachusetts to the film sets of Los Angeles is filled with grit, creativity, and resourcefulness. Ryan shares how a love for theater led him from the University of Miami to singing and dancing aboard cruise ships—and ultimately to the film industry. Along the way, he met his husband, Jason, and saved enough to take a chance on moving to LA. Ryan opens up about the challenges of breaking into Hollywood and why waiting for opportunities wasn't an option. Instead, he chose to create his own—writing and producing short films like Broken Heart, which gained traction at festivals. His work on titles like Sidney vs. Shawn and Disney's She-Hulk reflect a career shaped by collaboration and self-driven momentum. He also shares a glimpse into his next project, a psychological horror film rooted in his hometown. Dr. Bill also gives an exciting update on the LEAP program at Pepperdine University in 2025 from July 13th to 19th. Ryan, a passionate mentor, talks about the importance of programs like LEAP and his continued involvement beyond the summer through their “Meet the Mentor” series. To learn more or get involved, visit leapfoundation.com, and follow Ryan at @ryanpowerz on Instagram. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brendan Tobin joins Wolf and Luke to discuss what Chris Quinn would be like if he got an NBA head coaching job, Chris Quinn's demeanor as a coach, and if the Miami Heat could be a possible trade destination for Kevin Durant.  

Kap and Gordon talk about the state of the bullpen after the #chicagocubs blow a save in Miami. Guff interview #drewpomeranz about his success in his return to the MLB after a couple of years out of the league.REKAP SPONSORS:--------------------------------------------

Ali Kashani, Co-Founder & Serve Robotics joined Grayson Brulte on The Road to Autonomy podcast to discuss how sidewalk delivery robots are transforming the economics and experience of last-mile delivery. Ali shares the origin story of Serve Robotics, which was incubated within Postmates and later spun out of Uber into a publicly traded company. What began as a simple idea, delivering small items with small autonomous robots has grown into a rapidly scaling business operating in cities across the U.S., including Los Angeles, Miami, and Dallas. As Serve Robotics continues to expand, the company is evolving into a full-fledged robotics platform with multiple revenue streams spanning advertising, delivery, licensing, and potentially something even bigger in the future.Episode Chapters0:00 Founding of Serve Robotics2:07 Deliveries4:26 Deploying Sidewalk Robots9:53 Deployment Markets15:11 A Robotics Company19:37 Wing Partnership21:20 Restaurant Deliveries & Packaging27:53 Comparing Gen 2 to Gen 3 Robots29:59 Testing Before Deploying32:37 New Markets33:49 Advertising Business37:33 Growing Delivery Volume39:37 The Evolution of Sidewalk Robots42:07 Key TakeawaysRecorded on Wednesday, May 14, 2025--------About The Road to AutonomyThe Road to Autonomy provides market intelligence and strategic advisory services to institutional investors and companies, delivering insights needed to stay ahead of emerging trends in the autonomy economy™. To learn more, say hello (at) roadtoautonomy.com.Sign up for This Week in The Autonomy Economy newsletter: https://www.roadtoautonomy.com/autonomy-economy/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Frank Neri is a chef and founder of El Primo Red Tacos, known for bold flavor and Birria mastery. After closing his first restaurant just before Michelin came calling, he doubled down on simplicity and focus.  Listen now to hear how a trip to Tijuana changed his view on flavor, a WhatsApp group kept him in the game, and doing one thing well became his recipe for success. Sponsored by: • TOAST - All-In-1 Restaurant POS: https://bit.ly/3vpeVsc

In this episode of Literally First Class, Keri Ford discusses the concept of upper limits, emphasizing that these limits are often physical rather than merely mental. She explores how the nervous system plays a crucial role in our success and how physical responses can indicate deeper mindset blocks. Keri highlights the importance of rewiring our nervous system to facilitate growth and action, and she encourages listeners to build their capacity to handle both high and low emotional states. The conversation concludes with practical advice on identifying physical symptoms related to mindset issues, reinforcing that awareness alone is not enough for transformation.   Takeaways: The upper limit is a physical barrier, not just a mental one. The nervous system's responses can hinder success. Awareness of mindset blocks is not enough for change. Rewiring the nervous system can facilitate growth. Physical symptoms often indicate deeper emotional issues. Building capacity helps manage emotional highs and lows. Noticing positive experiences is crucial for growth. The brain's negative bias can overshadow achievements. Emotions manifest physically in the body. Identifying physical symptoms can lead to breakthroughs.   Episode Resources: Book your free 15-minute Somatic Strategy Call with Jalena (no sales pitch, just a free nervous system audit)! The Wealth Vault: FREE stuff to take your business to the next level. Explore Keri's programs such as Power Hour sessions, VIP Days, and Private Mentorship. Subscribe to The Newsletter and VIP e-mail list for advanced insights, strategies, and exclusive resources to drive growth, inspire peak performance, and elevate your impact. Step into Keri's FREE Somatic Success® community on Facebook and connect with like-minded individuals on your journey to success! Join us for an exclusive Champagne Club Dinner—a special evening for female founders & investors to connect over great food and conversation.

Dolly Lenz and Jenny Lenz discuss the state of the U.S. housing market. They explain that while the luxury market is seeing a spike in sales, particularly in areas like Palm Beach and Miami. The Lenz duo notes that the West Coast, particularly California, is seeing a surge in demand due to people relocating from areas affected by wildfires. They also highlight the importance of considering all costs, including insurance and taxes, when buying a home.======== 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

Matthew (Matt) A. Tyner, Sr. is the author of Fast and Hard: From Addictions to Redemption.    He is a man who has reinvented himself and has invested his second chance at life with building positive relationships with those around him. Matt is best known for his work as a college baseball coach, but many know him as a walk-on baseball player from the prestigious University of Miami Baseball program that made three consecutive College World Series appearances. When all the world looked bright for Matt, it was his own demons who sabotaged all of his professional and personal opportunities.  For decades he was cross addicted to drugs and alcohol, while mired in the muck of unsavory behaviors. His painfully raw memoir chronicles the scared boy running toward the monster of addictions and finally to how he found redemption. Matt speaks to reaching the ill-fated rock bottom.  His memoir shows that if not for his reckoning with his demons, he would surely have lost his life. Fast and Hard is a dark story that ends with a man accepting the embrace of his spiritual awakening, the program of Alcoholics Anonymous and the forgiveness from his family and friends. For those longing for the life of a professional athlete, Matt shares the reality of the pitfalls and detours of a professional Minor League player. He is long past his days of playing for the franchises of the Baltimore Orioles, but his recall of those days is incredible.  That life could never compare to the present life of being clean and sober for over two decades. In his addiction free life, he has dedicated his life to serving others and provides leadership through coaching and public speaking to thousands of men and women of all ages. Matt is currently a NCAA Division I Head Baseball Coach for Towson University. He is also the owner of MLT Sports Investments, LLC and a professional motivational speaker for Tyner Effect (www.Tynereffect.com). His educational background includes undergraduate studies at the University of Miami and his bachelor's degree in Business Communications from Concordia University, Indianapolis, IN Campus. https://tynereffect.com Fast & Hard - From Addictions to Redemption: https://www.amazon.com/Fast-Hard-Matthew-Tyner-Sr/dp/B0F1C3KVVD HELP SUPPORT OUR FIGHT AGAINST ADDICTION. DONATE HERE: https://www.patreon.com/theaddictionpodcast   PART OF THE GOOD NEWS PODCAST NETWORK. AUDIO VERSIONS OF ALL OUR EPISODES: https://theaddictionpodcast.com CONTACT US: The Addiction Podcast - Point of No Return theaddictionpodcast@yahoo.com Intro and Outro music by: Decisions by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100756 Artist: http://incompetech.com/

En este episodio cubrimos los eventos más relevantes antes de la apertura del mercado: • Wall Street se estabiliza tras repunte reciente: Los futuros moderan: $SPX -0.3%, $US100 -0.4%, $INDU -0.2%. Los bonos del Tesoro también retroceden. El mercado consolida tras varios días de ganancias impulsadas por la tregua comercial EE.UU.–China y datos de inflación a la baja. Hoy no hay reportes económicos clave, pero hablarán varios miembros de la Fed, en medio de señales de cautela sobre política monetaria. • Waymo extiende su red de robotaxis: $GOOG $GOOGL recibió aprobación para expandir Waymo One en el Área de la Bahía, incluyendo San José. Junto a $UBER, inició operaciones piloto en Atlanta con lanzamiento completo previsto para verano. Waymo ya realiza 250,000 viajes pagos semanales en 4 ciudades y proyecta llegar a Miami y Washington D.C. en 2026. • Pfizer amplía su cartera oncológica con biotech china: $PFE firmó un acuerdo global con 3SBio por el desarrollo del anticuerpo SSGJ-707, con pagos potenciales de hasta $6 Billones. El tratamiento, actualmente en fase clínica en China, será producido en EE.UU. y entrará en fase 3 en 2025. Pfizer también invertirá $100M en acciones de 3SBio, consolidando su presencia en el mercado asiático. • Delta demanda a CrowdStrike por fallo global: $DAL avanza con una demanda contra $CRWD tras el colapso del software de ciberseguridad en julio de 2024. La aerolínea reclama $500 Billones en pérdidas por interrupciones operativas y cancelaciones. Un tribunal de Georgia permitió continuar con cargos por negligencia grave. Paralelamente, $DAL enfrenta una demanda colectiva de pasajeros. Una jornada de calma en los mercados, mientras destacan avances tecnológicos, apuestas farmacéuticas y batallas legales de alto impacto. ¡No te lo pierdas!

Legendary sound mixer JC Aguila joins us at Telemundo's state-of-the-art headquarters in Miami. With nearly 30 years at the network, JC has played a key role in Telemundo's rise as one of the leading Spanish-language broadcasters in the United States. In this wide-ranging discussion, he reflects on his journey from mixing his first live show at age 14 in Cuba to becoming Network Audio Technical Manager at Telemundo—working across everything from award-winning news coverage to live telenovelas, entertainment programming, and global sporting events.To experience some of JC's work, tune into virtually any live broadcast on Telemundo.Please subscribe to Dolby Creator Talks wherever you get your podcasts.You can also check out the video for this episode on YouTube.Learn more about the Dolby Creator Lab and check out Dolby.com. Connect with Dolby on Instagram, Twitter, Facebook, or LinkedIn.

Meghan Markle becomes a lolcow, Joe Biden has cancer, Eli Zaret joins us to talk Tigers, Mexican Navy v. the Brooklyn Bridge, Antonio Brown's wild Miami night, Brittany Furlan breaks her silence on Tommy Lee, Akeem Woods knows nothing, and Maz is on probation. Joe Biden has an “aggressive form” of prostate cancer. Many books are coming out slamming his administration for hiding Biden's failing health. Final Twitter Poll Results: Maz is unfortunately on probation. Love is dead. BranDon's former neighbor and David Geffen to divorce. Eli Zaret drops by to talk red-hot Detroit Tigers, the comeback of Javier Baez, an Ohtani strikeout, Pete Rose's new Hall of Fame bid, recap the NBA Playoffs, Caitlin Clark vs Angel Reese, the Detroit Lions 2026 playoff and Super Bowl odds, the question of Aaron Rodgers playing for the Pittsburgh Steelers, San Francisco 49ers Brock Purdy's new deal, the NHL Playoffs, University of Michigan's boozing, Antonio Brown pulls a gun in Miami at a kickboxing event, and more. Howard Stern is butthurt he can't get courtside tickets to the New York Knicks. Drew appeared on Jim and Them on Friday. Meghan Markle has turned into a ‘LOLCow'. A Markleverse economy is forming. Zac Amico had the worst guest possibly ever. Mike Myers appeared on SNL last night to make fun of Kanye West. Drake really wants Tory Lanez out of jail. There is a petition to get him out of prison. Brittany Furlan and Tommy Lee are done. Furlan pops off to defend herself and make herself a victim. Katy Perry is not very liked. She was one of the people that went to Lauren Sanchez's bachelorette party. Britney Spears is burning through cash and going to go broke. Zül-Qarnaįn Nantambu speaks out against Antonio Brown. Brendan Schaub got tossed from his son's little league game. Loser. Bill Belichick has to keep talking about JorDon Hudson. Tom Brady tans in the nude. Knock it off, Brady. The Mexican Navy vs the Brooklyn Bridge. Malia Obama is a director and is getting called out for plagiarism. Dave and Chuck the Freak make excellent cringy promos. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (The Drew Lane Show, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon).

Josh Pate's College Football Show Ep 633 features Josh Pate discussing job approval ratings for SEC head coaches. How do Tennessee fans feel about Josh Heupel? Where are things for Brian Kelly at LSU and Steve Sarkisian at Texas? Josh also looks at Shane Beamer at South Carolina, Kirby Smart at UGA, and Billy Napier at Florida. What is the latest intel on the College Football Playoff expanding? We also discuss the 2024 season for Miami and why in some ways it feels lost. Bold prediction season has returned with you calling your shot. Tonight we take a look at the possibility LSU has multiple losses in the first 6 weeks of the season along with multiple non-QB Heisman finalists and 3 Texas teams winning their conference. That plus rumors of College Football regular season games one day becoming major pay-per-view events. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Miami head coach Mario Cristobal is the latest guest on the Pate State Speaker Series. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

This week on the pod, Alex Bennett and Jordyn Woodruff dive into the debate: high-maintenance vs. low-maintenance friends and whether “low-maintenance” is just code for being a bad friend. Then, the girls catch up on life updates, from Jordyn's dreamy Hawaii getaway to Alex's first Mother's Day — plus a hot take on why some people can't help but steal the spotlight on someone else's big day. Timestamps: 00:00:00 Welcome back to another episode of Mean Girl Pod! 00:02:48 Sealing someone else's big day 00:15:10 High vs low maintenance friends 00:31:10 JW's Hawaii recap 00:48:55 AB's Miami & Mothers Day recap 01:02:12 Pop culture chit chat 01:12:19 Listener question01:17:48 Weekly recs 01:22:00 WE LOVE YOU GUYS! ------------------------------------------------------------------ Follow us on instagram at @meangirlpod, Alex @justalexbennett and Jordyn @jordynwoodruff ------------------------------------------------------------------ Thank you to our partners this week: Bellesaco: FREE TOYS OR GIFT CARDS FOR TOYS! Everyone who signs up to my giveaway with bellesaco wins something! https://www.bbvibes.com/meangirl CashApp: Download Cash App Today: https://capl.onelink.me/vFut/764ephf2 #CashAppPod *Referral Reward Disclaimer: As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Splendid: Right now, Splendid is offering our listeners 20% off when you go to https://www.Splendid.com and use promo code MEAN at checkout or when you shop at Splendid in stores. Headspace: For a limited time, get Headspace FREE for 60 days. Go to https://www.Headspace.com/MEANGIRL. Ava: Download the Ava app today, and when you join using my promo code MEANGIRL, you'll get your first month FREE! ------------------------------------------------------------------ Powered By: https://www.justmediahouse.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A lot to unpack for This Week In Track and Field with Chris Chavez and Preet Majithia:In Doha, Neeraj Chopra joined the 90-metre club with a national record of 90.23m, only to be outdone by Germany's Julian Weber, who launched a world-leading 91.06m to win the javelin. Tshepiso Masalela stormed to a world lead in the men's 800m (1:43.11), and Jamaica's Tia Clayton ran 10.92 to win the women's 100m.Faith Cherotich outkicked world champ Winfred Yavi to claim the steeplechase in a world-leading 9:05.08.  Letsile Tebogo took the men's 200m in 20.10.At the Atlanta City Games, Nigeria's Favour Ofili set a new world best in the 150m (15.85), while Akani Simbine continued his unbeaten streak in the men's 100m with a windy 9.83.At the Tokyo Grand Prix, we had a few sub-par performances by Sha'Carri Richardson and Christian Coleman but it's still too early to hit the panic button on them.At the Great Manchester Run, Olympic 10,000m champ Selemon Barega won the men's 10K in 27:49. Medina Eisa crushed the final 5K to win the women's race in 30:42, but we saw an impressive run by Emily Sisson surging late to claim second.Plus – Farewell to @TrackSpice on Twitter. You won't be missed!Hosts: Chris Chavez | ⁠⁠⁠@chris_j_chavez on Instagram⁠⁠ + Preet Majithia |⁠ ⁠@preetmajithia on InstagramSUPPORT OUR SPONSORSOLIPOP: Olipop is a prebiotic soda that tastes like a throwback to your favorite childhood drinks, but it's loaded with benefits that your body will thank you for. Each can has 2-5g of sugar, 6-9g of fiber, and a science-backed formula designed to help you support your digestive health. They've got plenty of flavor options like Classic Root Beer, Crisp Apple, Grape, Cream Soda and wild hits like Peaches and Cream. You can grab Olipop at Target, Whole Foods, and Walmart or you can go to ⁠DrinkOlipop.com and use promo code CITIUS25 at checkout for 25% off all of your orders⁠.PILLAR PERFORMANCE: We all know that sleep is where the magic happens. That's when your body is rebuilding – but getting into those deeper stages of sleep is what makes the difference between just going to bed and actually recovering. Just mix in a scoop of water about 30 to 60 minutes before bedtime. It's simple, it's clean, it's vegan, and NSF certified. If you're someone who takes their training and recovery seriously, this is something worth trying. Head to ⁠pillarperformance.shop⁠, or if you're in North America, go to ⁠thefeed.com⁠ and use code CITIUS for 15% off your first purchase.GRAND SLAM TRACK: This isn't your average track meet. This is Grand Slam Track, where legends are made, records fall, and the stakes are high. After a sellout crowd in Miami and $100,000 awarded to each Slam champion, the league now heads to one of the most iconic stages in American track: Franklin Field in Philadelphia, May 30th-June 1st. Grab your tickets now at ⁠GrandSlamTrack.com⁠ and witness it all packed into one unforgettable weekend. VELOUS: Recover smarter with VELOUS' new active adjustable slide! Tired feet? VELOUS has you covered. VELOUS just launched the NEW Active Adjustable Slide, designed to take your recovery to the next level. With a perfectly contoured midsole, these slides maximize cushioning and support to help ease tired feet and legs. Run. Recover. Repeat with VELOUS. ⁠Check out the entire collection and enjoy 20% off your purchase by entering code CITIUSMAG20 at checkout!

In this episode of the Young Dad Podcast, host Jey Young engages in a profound conversation with Bob Martin, a former mob lawyer turned mindfulness mentor. Bob shares his remarkable journey from the high-stakes world of Miami's cocaine cowboy era to becoming a professor of wellness and mindfulness. The discussion delves into themes of personal transformation, the impact of parenting, and the teachings of Taoism. Bob reflects on his struggles with addiction, the challenges of raising a family, and the importance of self-love and mindfulness in navigating life's complexities. The episode offers valuable insights for fathers and anyone seeking clarity and purpose in their lives.TakeawaysTransformation is often born from personal struggles.Mindfulness can lead to profound changes in life.Parenting requires setting healthy boundaries.Taoism teaches us to align with the natural flow of life.Self-love is essential for loving others.Healing is possible, even after deep struggles.Relationships can be repaired with effort and understanding.The importance of timing in parenting and life decisions.Addiction can stem from societal pressures and personal choices.Every individual has the power to change their narrative.Chapters00:00 Introduction to the Journey02:35 From Mob Lawyer to Mindfulness Mentor05:14 The Turning Point: Seeking Help08:14 Discovering Taoism and Its Impact10:46 Life in North Carolina: A Fresh Start13:18 Struggles with Addiction and Family Dynamics16:03 The Role of Money in Happiness18:53 Conditioning and Masculinity21:25 Taoism: Living in Harmony24:19 Mastery of Parenting and Life32:20 Understanding Daoism and the Yin Yang35:40 Parenting Challenges and Relationships40:29 Navigating Anorexia and Family Dynamics46:38 Establishing Healthy Boundaries in Parenting50:07 Final Thoughts on Mindfulness and Living IntentionallyCheck out the Website for Interactive Activity Guides, Resources, Full Transcripts, all things YDP- ⁠⁠www.youngdadpod.com Clink the Link for YDP Deals (Joon, Forefathers &more)- ⁠https://linktr.ee/youngdadpod Want to be a guest on Young Dad Podcast? Send Jey Young a message on PodMatch, here: https://www.joinpodmatch.com/youngdadLastly consider a monetary donation to support the Pod, https://buymeacoffee.com/youngdadpod

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

What if everything you needed to build wealth already lived inside you—your time, your mindset, and your drive?This week on the Exit Strategies Radio Show, Corwyn J. Melette sits down with Jacopo Iasiello, an Italian entrepreneur, investor, and author of Healthy, Rich & Happy. Jacopo shares how he went from launching a multimillion-dollar jewelry business in Italy to investing in U.S. real estate, and why he believes America remains the best country in the world for anyone ready to take action.Whether you're just starting out or already on your wealth journey, Jacopo breaks down his powerful three-step method for building generational wealth using real estate—no matter your starting point. Learn how to shift your mindset, leverage time and knowledge, and use strategic investing to create lasting impact.

On today's edition of ZASLOW SHOW 2.0, Zaslow is in a celebratory mood, as the Panthers crush the Leafs in Game 7 last night. Zaslow explains why he was supremely confident going into last night's game. Meanwhile, Zas tries not to take for granted this current run his favorite little hockey team is on. The Law Offices of Anidjar & Levine "ZASLOW SHOW 2.0" is presented by Anidjar & Levine, Accident Attorneys. Call 800-747-FREE (3733) and get the money you deserve. CanesWear has the largest selection of Miami Hurricanes items. And, an amazing selection of all your favorite South Florida Pro teams. Dolphins, Panthers, Heat, Inter Miami and Marlins items, are all available. No matter which South Florida Team you root for, CanesWear is the spot, Miami fans shop, CanesWear.com Signature Real Estate Whether you're buying your dream home, selling your property, or looking to join the best in the business, contact Matthew H. Maschler at 561-208-3334 or Matt@RealEstateFinder.com Johnny Cuba Official beer of ZASLOW SHOW 2.0 - European Roots with a Caribbean Soul #StayTranquilo Brunt Insurance Official insurance agency of ZASLOW SHOW 2.0. Wherever you're located in Florida, from Pensacola to The Keys and beyond, Brunt Insurance delivers you comprehensive insurance tailored exactly to your needs. Home, auto, boat, life insurance, call 954-589-2204. BioResponse When disaster strikes, every second counts. BioResponse is South Florida's trusted leader in emergency restoration—specializing in water damage, mold removal, and fire cleanup. We're available 24/7, ensuring your home or business gets back to normal—fast. BioResponseCorp.com If your business targets 25-54 year old Men, let's advertise on ZASLOW SHOW 2.0!! Email jonathanzaslow@gmail.com and join the growing list of partners!!

Today's show features: James Douvas, President of JND Consulting, Elgie Bright, Chairman of Northwood University, Matt Bowers, Owner of Matt Bowers Automotive, This episode is brought to you by: Wrench – Want to boost your gross profits by selling prepaid maintenance, without a service center? This new offering levels the playing field between independents like me and the big dealers. Wrench TotalCare lets you offer mobile maintenance plans—oil changes, tire rotations, even brakes—all done at your customer's home. Your customers get convenience. You get more revenue on every deal. And if you're using DealerCenter, it's already built into your workflow for seamless upsells. Not on DealerCenter? No problem. Visit https://carguymedia.com/wrench_ddl and start earning on every deal today. Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠⁠⁠https://cdgpartner.com⁠⁠⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠⁠⁠https://bit.ly/3Suismu⁠⁠⁠⁠ Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠https://www.twitter.com/GuyDealership⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠https://www.instagram.com/cardealershipguy/⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠https://www.tiktok.com/@guydealership⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠https://www.linkedin.com/company/cardealershipguy/⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠https://www.threads.net/@cardealershipguy⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠ Everything else ➤⁠⁠⁠⁠⁠ dealershipguy.com

In hour two, paying homage to this era of Panthers hockey and how important it's been for South Florida. A wild ‘breaking news' tweet in the year 2025 about Michael Beasley threatening to leave a Miami-based basketball team. Hoch is once again outraged at Justin Bieber wearing sunglasses indoors at a sporting event. After, Chris Wittyngham joins the show to discuss another disastrous Inter Miami result last night and why major changes could be coming to the club.