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MLS clubs nearly doubled their transfer spending in 2025, while the Premier League continues to dominate the global market with record-breaking fees. Jason breaks down the numbers, the gap between leagues, and what it means for the future of player movement.We also dive into the UEFA Champions League draw, where PSV faces the toughest road, PSG gets a brutal path, and Spurs and Arsenal land favorable groups. Plus, the final weekend of the summer transfer window brings drama across Europe: Newcastle land Nick Woltemade, Spurs close in on Xavi Simons, Arsenal push for Piero Hincapié, Chelsea swoop for Alejandro Garnacho, and more.There's plenty beyond Europe too — from Barcelona's salary cap struggles to Saudi Arabia's shifting strategy, U.S. U-20 roster news, Lionel Messi's farewell to home qualifiers, local college soccer updates, and a massive Liverpool–Arsenal showdown ahead.
Niko Moreno drops by SDH AM to wrap up Thursday ThoughtsWe go in depth on the Leagues Cup After Dark with Seattle winning vs LAG- and previewing the final against Messi and Friends on the weekendWe also go over some of the big matchups this weekend in MLS
Rog is joined by Ludonautics founder and CEO Dr. Ian Graham to discuss the analytics and spending strategies behind the summer's transfer window; what the stats say about Mo Salah's age; why a Premier League goal is worth twice as much as one scored in MLS (analytically); and the story behind Son almost joining Liverpool.“Running the Game” is a series from Men in Blazers where we speak to the brightest minds working behind-the-scenes at some of the biggest clubs in the world. We go deep on the business of football, boardroom strategy and culture to learn all it takes to run an elite football club today.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Pochettino Defends MLS, Balogun Joins the Squad, Messi and Miami Are Set for Leagues Cup FinalThe September international window is here, and Mauricio Pochettino has made his final roster decisions before the USMNT's friendlies against Korea Republic and Japan. Alexi Lalas and David Mosse react to the late addition of Folarin Balogun, Pochettino's communication (or lack thereof) with stars like Christian Pulisic, Gio Reyna, and Joe Scally, and what this camp means for fresh faces fighting to earn a spot. Why no Weston McKennie or Matt Turner this time around? Plus, the guys dive into Pochettino's strong defense of MLS and what it means for national team players in the league.Around the globe, we track Americans in action across Europe's top leagues—Gio Reyna officially teams up with Joe Scally at Borussia Mönchengladbach, Christian Pulisic and AC Milan look to rebound from tough loss, and Josh Sargent aims to stay red-hot in the Championship. Back home, we set the stage for MLS' top-of-the-table battles and preview the Leagues Cup Final.Stick around for One for the Road as we look ahead to Alexi's weekend in Columbus discussing the Road to the World Cup. Intro (0:00)Roster Update: Balogun Joins the Squad (5:10)Pochettino Defends MLS (16:27)USMNT Abroad (23:51)UCL Fixtures (36:30)MLS Top of the Table Clashes (37:20)Seattle and Miami Set for Leagues Cup Final (38:50)#AskAlexi: MLS Salary Caps (42:20)Road to World Cup (47:30) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Christian Polanco and Alexis Guerreros are joined by former MLS player and current agent Chris Wingert as they talk about his MLS career, which included winning the 2009 MLS Cup, playing in New York City FC's inaugural season and his views on current American players. Chris shares stories about playing with Andrea Pirlo and Frank Lampard, why winning the MLS Cup was such a huge moment for the league and going backstage at a concert featuring The Black Crowes and The Smashing Pumpkins.1:55 – Chris Wingert joins the show!5:40 – His experience getting drafted22:47 – Playing with Andrea Pirlo and Frank Lampard42:55 – Why did Chris become an agent?55:21 – The current state of American soccer players1:25:47 – Memories from the 2009 MLS Cup Subscribe to The Cooligans on your favorite podcast app:
Jimmy Conrad, Charlie Davies and Tony Meola break down the September USMNT roster, highlighted by Folarin Balogun's inclusion (03:18) but clouded by more puzzling Mauricio Pochettino decisions (12:00). Is Poch sending a message ahead of the World Cup (15:30)? The crew talk MLS vs. Europe (25:53), Weston McKennie's USMNT role (34:31), and more before welcoming Paxten Aaronson (43:01) to talk about his move to the Rapids, the Eredivisie vs. MLS debate, and his next steps. Plus, reactions to the Leagues Cup final being set (59:59). Call It What You Want is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts. Follow the Call It What You Want team on X: @JimmyConrad, @CharlieDavies9, @TMeola1 Visit the betting arena on CBSSports.com for all the latest in sportsbook reviews and sportsbook promos for betting on soccer. For more soccer coverage from CBS Sports, visit https://www.cbssports.com/soccer/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ You can also watch Call It What You Want on the CBS Sports Golazo Network for free on connected TVs and mobile devices through the CBS Sports app, Pluto TV, and on CBSSports.com as well as Paramount+. Watch UEFA Champions League, UEFA Europa League, UEFA Europa Conference League, EFL, Serie A, Coppa Italia, CONCACAF Nations League, NWSL, Scottish Premiership, Brasileiro, Argentine Primera División, AFC Champion League by subscribing to Paramount+ Sign up to the Golazo newsletter, your ultimate guide to the Beautiful Game as our experts take you beyond the pitch and around the globe with news that matters. 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
Tune into the Designated Pundits as we deliver some great sportsbook picks for Major League Soccer's Matchday 31. We are analyzing some of the best bets you can find, along with discussions behind each. Play along with us as we tally, all season long, from our weekly shows. Join hosts Bob Ventimiglia, Scott Omer, Sir Alex, and Deon the Nerdy Soccer Guy on The Designated Pundits for MLS and USMNT analysis. Tune in for two weekly live shows: Thursdays at 8:00 PM ET for expert betting picks and MLS odds breakdowns, and Mondays at 8:30 PM ET for soccer analysis and insider discussions. The Designated Pundits podcast is renowned among MLS and US soccer fans for in-depth preseason previews of every MLS team. We're your go-to for predictions and insights into America's version of the Beautiful Game. Stream us live on YouTube or your favorite podcast platform. Website- thedesignatedpundits.com YouTube- YouTube.com/@TheDesignatedPundits All Audio Platforms- linktr.ee/thedesignatedpundits or search “The Designated Pundits” on your favorite podcast platform. Learn more about your ad choices. Visit megaphone.fm/adchoices
It's a full Thursday Thoughts on SDH AMThe Ball Watching duo of Jake and Justin look at the situation in St. Louis after the dismissal of Lutz PfannenstielMaddie drops by from the Childrens Healthcare of Atlanta Training Ground on ATLUTD preps and a big win for the 2'sThe Power Hour in Hour 2 has GOLTV's Nino Torres on South America and Portugal andSounder at Heart/Pulso Sports Niko Moreno on Leagues Cup and MLS
ATLUTD gets a big win at home against Inter Miami CF II at The Fraction Wednesday nightHere's your highlights in the 4-1 win with post-match comments fromATLUTD2 interim head coach Jose Silva, CB Sal Mazzaferro, and MF Ignacio SuarezWe also set the table for the big match this weekend in Kennesaw against Huntsville City FC and look at the Eastern Conference standings in MLS NEXT PRO
The Ball Watching pod visits SDH AM to break down the end of the Lutz Pfannenstiel era in St. Louis with CITY SCWe look at how it all went downhill and what may be next...
Join us on Momento today!Welcome back to The Verdependent podcast, where we depend on the Verde & Black for our everyday vibes. This week, Paul and Lobar...recap Austin's loss @ Montrealcover Chelsea's 5-1 W @ West Hampreview our matchup vs. San JoseStoppage time rundown covering MLS, international footy, women's footy, and more... Thank y'all for kickin' it with us this week. Keep the conversation going on socials by following @TheVerdependent.
Kevin, Grayson, and The Chief have all the information you need going into FC Cincinnati vs Philadelphia this weekend! Taking another look at Brenner and sorting out what will be success. Roman is called up to the USMNT, The Pride wins best Supporter Group in the United States, and plenty more. In Part Two it's a big look ahead to this weekend's clash of titans in the East as the Philadelphia Union come to Cincinnati. Winner gets a clear shot at the Supporter Shield, loser is left picking up the pieces. Timestamps: (11:25) - Build Back Brenner (34:31) - The Pride is the Best SG in the Country (36:56) - Roman Celentano called up to the USMNT (47:55) - Philadelphia Union Preview and Predictions Links: Looking for an MLS podcast? Check out The World's GAM Visit our friends at Streetside Brewery Cincy Shirts: www.cincyshirts.com/CincyPostCast PROMO CODE: THEPOSTCINCY for 10% Off! Check out The Post at www.thepostcincy.com Music by Jim Trace and the Makers Join the Discord Server and jump into the conversation Follow us on BlueSky, Twitter, Facebook, Instagram, and YouTube Support us on Patreon https://www.patreon.com/ThePostCincy
This week we chat our recent saves as Tony and Second Yellow Card have both been managing Sochaux. Si can't pronounce that so he's been trying his hand at MLS with St Louis; if he can wrap his head around it. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Miami beats Orlando 3-1 and is headed to the Leagues Cup Finals. We go live after the game to give our postgame reactions.#InterMiami #Messi #InterMiamiCF
It's a packed Wall Pass Wednesday on SDH AMTyler Pilgrim from Scarves N Spikes leads off on ATLUTD and Toronto, the youth starting last weekend, the new players integrating, and a quick preview of NashvilleDylan Butler of MLSSoccer.com looks at Leagues Cup and the playoff raceIn USL League One, Union Omaha has a new Sporting Director in Jamie Henderson. He visits to talk about his new job coming over from Atlanta UnitedPlus, transfer updates and AM news...
Dylan Butler joins from NYC to talk about the Leagues Cup semifinals and the four teams left plus a look at the playoff race that one of the four Leagues Cup semifinalists is paying no attention to whatsoever...
Wall Pass Wednesday means Scarves N Spikes Tyler Pilgrim bats leadoffWe go over everything from the ATLUTD match with Toronto, looking at the new faces, the young players making an impact, and a preview of Nashville- oh, and a look at the man in the middle...
Episode 509: Are the other teams in MLS sleeping on NYCFC? That was the debate happening after NYCFC walked into TQL Stadium and took three points from FC Cincinnati and helped de-throne the Supporter's Shield leaders on Saturday night. Mike Anderer, J.R. diBart and Mike Allen share their opposing views on the subject. They discuss … Continue reading (Wish I Could Fly Like) Superman / Ep 509 / Blue City Radio →
The Industry Relations Podcast is now available on your favorite podcast player! Rob and Greg dive into the latest developments in the real estate industry, including Andrea's move to Real Estate News, Anne Marie's push for MLS independence, and ongoing debates around realtor commissions and compliance. They also examine a new lawsuit challenging enforcement of buyer representation agreements and revisit the idea of sub-agency as a potential solution to persistent steering problems. Key Takeaways Andrea at Real Estate News: Andrea joins Real Estate News, raising hopes for stronger investigative journalism in the industry. MLS Independence: Anne Marie's upcoming retirement sparks discussion on MLS separation from associations and questions of ownership structure. Realtor Commissions Rising: Despite reforms, commissions are reportedly up, prompting concerns over steering and transparency. ZEA v. NAR Lawsuit: A self-represented broker challenges MLSs and NAR over lack of enforcement of buyer agreements, potentially opening the door for class action. Compliance Issues: Evidence suggests weak enforcement of mandatory buyer agreements and ongoing loopholes in rules. Return to Sub-Agency? Rob argues a shift back to sub-agency could simplify compensation and cooperation while reducing steering conflicts. Future Uncertainty: Regulatory or legislative changes may be required to address systemic problems that lawsuits alone cannot solve. Links Real Estate News Article Connect with Rob and Greg Rob's Website Greg's Website Watch us on YouTube Our Sponsors: Cotality Notorious VIP The Giant Steps Job Board Production and Editing Services by Sunbound Studios
Jason Longshore's Atlanta Soccer Tonight broke down the USMNT roster for friendlies against South Korea and Japan in September and why people are so mad about it, talked about the Champions League heading to Cyprus and Kazakhstan, and more in this episode.
3 local stories, 4 headlines, 3 things that make Jason Longshore smile about the game... it's the 3-4-3 from Atlanta Soccer Tonight on 8.26.
Jason Longshore talks about who is missing from the September roster for the USMNT, what the depth chart looks like at this point, and the two players with the most to prove in the group.
Jordan and Logan are back to talk Leagues Cup Semi Finals which include 4 MLS Teams! Guaranteeing another MLS winner for the third Leagues Cup in a row. Then they dive into the historic Supporters Shield Race and how many teams are really in it. St Louis fired their Sporting Director, Paxten Aaronson returned to MLS, and the latest USMNT roster was announced. Follow the show: Twitter: @statesideshow Instagram: @statesideshow Facebook.com/Statesideshow Youtube: youtube.com/@statesideshow Email: statesideshow@gmail.com Linktree: https://linktr.ee/statesideshow Learn more about your ad choices. Visit megaphone.fm/adchoices
The Secondary Transfer Window is officially over, and with the Seattle Sounders famously not making any moves, we take stock of Craig Waibel's press conference this week at Lumen Field. Are we buying or selling the GM's rationale for another window with no major movement? Later on, we go over Armchair Analyst Matt Doyle's take on Seattle's window, then talk about the most controversial storyline of Matchday 30 that took place in Vancouver's matchup with St. Louis CITY SC.SPONSORSHaxan Ferments - Specializing in unique, small-batch fermented hot sauces and vinegars, Haxan Ferments is handcrafted in Georgetown and made with the best local ingredients from across the Pacific Northwest. Use Code LS for a FREE Hot Sauce w/ purchase!Sounder at Heart - Our network host and biggest supporter, Sounder at Heart covers the Seattle Sounders, Seattle Reign, and MUCH MORE! Subscribe and Support to the BEST independent Seattle Soccer coverage.Podium Edmonds - Located at 114 4th Ave N, just off Main Street in the heart of Downtown Edmonds, come shop and explore the best menswear in the Pacific Northwest. Tell them Lobbing Scorchers sent you!Full Pull Wines - Founded in 2009, they the best boutique wines of the world to members, with special focus on our home, the Pacific Northwest.My Data Removal - Data brokers are selling your personal information! Fight back with My Data Removal. Hunt down and scrub your sensitive information from the internet. Use code "LS" for $10 off your annual plan.Seattle Sounders Tickets - Get tickets to an upcoming match straight from the club and help support the show at the same time.MLS Season Pass - MLS Season Pass is back on Apple TV with access to every single MLS match—including Leagues Cup and the entire Audi MLS Cup Playoffs—with no blackouts! Subscribe today to support the show.MLS Store - New year, new gear! The 2025 MLS jerseys are here, and MLSStore is the ultimate destination for every fan. Every purchase helps support our show!Follow Lobbing Scorchers: YouTube Instagram Bluesky TikTok Ari Liljenwall Noah RiffeLobbing Scorchers is a production of Just Once Media.Lobbing Scorchers is a Seattle Sounders and MLS focused show brought to you by Sounder at Heart. Hosted by Major League Soccer's Ari Liljenwall and Producer Noah Riffe. Join us as we lob our scorching takes on the American soccer landscape, Seattle Sounders, Major League Soccer, USMNT and more.
Send us a textBall Watching hosts, Jake Koenig and Justin Graham, break down St. Louis CITY SC's 3-2 loss at Vancouver Whitecaps FC and the upcoming home match against Houston Dynamo!Follow the show on X and/or Instagram (@BallWatchingSTL)! Find our guest interviews and all episodes in video form on YouTube by searching https://www.youtube.com/@ballwatchingSTL. Be sure to hit subscribe and turn notifications on!Hoffmann Brothers is the 2025 presenting sponsor of Ball Watching! Headquartered right here in St. Louis for over 40 years, Hoffmann Brothers is a full-service residential & commercial provider, providing Heating, Air Conditioning, Plumbing, Drains, Sewer, Water Heaters, Duct Cleaning, Electrical and Appliance Repair services. Visit them online at hoffmannbros.com!Make The Pitch Athletic Club & Tavern (thepitch-stl.com) your St. Louis CITY SC pregame and postgame destination for all your food and drink needs! Tell them your friends at Ball Watching sent you... Seoul Juice is the official drink of Ball Watching and made with three clean simple ingredients: water, organic lemon juice, and Korean pear juice. Get yours at Dierbergs, Sams Club, or online at seouljuice.com. Use code "BALLWATCHING" at checkout for 20% off all online orders!Shop in-store or online at Series Six (seriessixcompany.com) and receive a 15% discount on all orders storewide using code "BALLWATCHING" at checkout!
What's new and what's next in Matrix MLS? This week, HAR's Nathan Goble joined us for a behind-the-scenes look at new features, what's coming soon, and how you can use Matrix more effectively. Sign up for Free Industry News Subscriptions for HAR Members here- https://www.harconnect.com/free-industry-news-subscriptions-for-har-members/ Are you an HAR MLS Platinum Subscriber? Join our Facebook Group! Click to join. Sign Up for your free Real Estate News Subscription here. Sign up for your free Inman Select Subscription here. Follow us on Facebook, Twitter, Instagram, YouTube , and LinkedIn.
Hello Colorado Rapids fans. What a fantastic end to the MLS transfer window and what a dismal performance at LA Galaxy. But hey, Pax10 Aaronson hype. Oh, and Matt and the dog are doing well. Thanks for all the support last week. Rabbi and Red put a bow on our coverage of the Aaronson transfer. The financials are a big deal and likely a one-time thing? There's the USMNT discussion. Commerce City Radio did a more thorough breakdown of that if you haven't listened already. There's the question of where the Rapids go from here and how Aaronson fits in tactically compared to his predecessor. Then we break down that 3-0 loss to LA Galaxy and why it was that bad. We give thoughts on how and when Aaronson, Rob Holding, and Alexis Manyoma will integrate into the squad. We look ahead to Sporting KC. There's an Ask HTHL about the third Rafa.
The boys convene to discuss a pair of international call ups, a rumored third kit coming in Summer 2026 and wonder when the typical Rodolfo Borrell "end-of-window" press conference will take place. Then they preview this weekend's home match against San Jose Earthquakes before closing out the episode with Last Business Day and the nonsense. 0:30 - Intro 3:40 - International call ups 7:45 - Where's Rodo? 14:50 - Third kit rumor 18:05 - San Jose Earthquakes preview 49:15 - Last Business Day 1:00:55 - Best Ball update 1:02:30 - Picks recap Sign up today for Underdog Fantasy using this link you use promo code "NORTHEND" at sign up you'll get up to $1000 in bonus cash plus a free pick! Visit our website for match preview articles, weekly MLS picks and access to our salary cap and roster spreadsheets! Follow the podcast on socials YouTube Instagram Bluesky Threads Twitter
Russell and Beau discuss week 27 of MLS regular seasonTimestampsChapters00:00 Intro03:13 Cultural Insights: Texas and Tex-Mex06:07 Surprising Weekend Results in MLS10:07 Orlando's Performance and Team Dynamics15:50 Seattle's Struggles and Kansas City's Future20:56 Injury Impact and Team Depth26:30 Coaching Strategies and Future Vision29:56 Cincinnati's Midfield Struggles39:26 Cincinnati's Matchup Challenges51:13 Injury Impacts on Cincinnati's Defense57:05 The Financial Reality of Professional Sports58:52 Team Dynamics and Championship Aspirations01:01:37 Emerging Talents in the League01:04:06 Playoff Race and Team Strategies01:11:41 Defensive Challenges and Team Performance01:13:19 Coaching Impact and Player Development01:18:20 Final Thoughts and Future Prospects
Lots to talk about this week that has nothing to do with Forward Madison's inability to score or win games! Though we do get into that a bit also. This week:- Will Sporting Cascades have the best brown shirts since the Caribous?- Jason Ramos gets an extension- Madison gets a new teenaged striker- Madison also gets new Hunger-Games-inspired kits- Madison loses a coach - should we read anything into that?- We are still in the hunt for the Players ShieldAfter all that, United Soccer Lounge host Riley James talks about the origin of the show, why it focuses on USL, what it'll take for USL to overtake MLS and lots more.And in stoppage time: what happens when racism hits a local club, and how this very podcast is involved.Read Rob's story on that here.Check out United Soccer Lounge here.Follow the show @TalkinFlock on Blue Sky and InstagramFollow Rob @RobChappell365 on Blue Sky and InstagramFollow Ethan @Scarfboii on Twitter and @Goodkidmaancity on InstagramSubscribe to the newsletter here.
In this episode of the Designated Players Podcast, the guys are back and this week we're talking even more transfers from this summer transfer window. This episode we are going to be covering moves such as Paxten Aaronson to Colorado, Brenner back to FC Cincinnati, and more. Let us know your thoughts!#MLS #MLSCup #mlscupplayoffs #ATLUTD #atlantaunited #austinfc #charlottefc #forthecrown #cf97 #chicagofire #fccincinnati #fcc #allforcincy #coloradorapids #rapids96 #columbuscrew #crew96 #dcu #dcunited #fcdallas #dtid #houstondynamo #holditdown #sportingkc #skc #lagalaxy #losangeles #lafc #intermiami #intermiamicf #messi #lionelmessi #minnesotaunited #mnufc #legionofloons #cfmtl #cfmontreal #nashvillesc #everyonen #newenglandrevolution #nerevs #newyorkredbulls #rbny #NYCFC #newyorkcity #orlandocity #orlandocitysc #philadelphiaunion #DOOP #portlandtimbers #RCTID #RSL #realsaltlake #sanjoseearthquakes #quakes74 #seattlesounders #sounders #stlouiscity #STL #allforcity #TFCLive #torontofc #vancouverwhitecaps #VWFC #USL #uslchampionship #mlsseasonpass #AppleTV #adRecorded on: 8/23/2025 Let us know your thoughts and if we got it right or right! Send any emails with questions or comments to: thedppod@gmail.comFollow the Pod on Social Media!Website: https://thedppod.buzzsprout.com/Twitter: https://twitter.com/TheDPPod1Instagram: https://www.instagram.com/designated_players_podcast_/Facebook: https://www.facebook.com/TheDPPodTikTok: https://www.tiktok.com/@thedppodHave a thought, comment, question, or suggestion? Send us a message and let us know!Support the show
Manchester City just secured American phenom Cavan Sullivan in a monumental $5 million deal, fending off Real Madrid and Dortmund. But what makes this 16-year-old so special? We're breaking down the generational talent, his velvet touch, and why City's long-term vision makes this the perfect move for both him and the Philadelphia Union. We'll also discuss the loan-back deal, what it means for his development, and if he truly is the future of the USMNT midfield. Cavan Sullivan, Manchester City, Philadelphia Union, American soccer talent, MLS youth development
Mauricio Pochettino has made some bizarre choices for the September USMNT roster, including a surprising number of MLS players that few expected to see at this stage of World Cup prep.We also dive into Christian Pulisic and Pochettino reportedly putting their past beef behind them, and what that means for the team moving forward.Plus, why Josh Sargent absolutely needs to score in these friendlies if he wants any chance of making the World Cup roster. Injuries and transfers continue to shake things up, leaving key names like Gio Reyna, Tanner Tessmann, Johnny Cardoso, and Weston McKennie at home.
Head Coach Mauricio Pochettino has unveiled the USMNT roster for the September friendlies, and the State of the Union crew is here to break it all down. Alexi Lalas and David Mosse deliver instant reactions to the 22 players named so far, with one more spot set to be added soon. This USMNT squad will take on Korea Republic and Japan in their upcoming matches.The guys discuss the big headlines, including the returns of Christian Pulisic, Tim Weah, Josh Sargent, and Sergiño Dest, as well as the notable absences of Weston McKennie, Matt Turner, Gio Reyna, and Johnny Cardoso. They speak on new call-ups earning big opportunities with the national team, how injuries have shaped Pochettino's decisions, and what this roster means for the team's form heading into a crucial stretch before the World Cup.Plus, Alexi and Mosse recap MLS action from the weekend, including Son Heung-min's first goal for LAFC and Thomas Müller's controversial game winner. Intro (0:00)Pochettino Names USMNT September Roster (1:55)Matt Freese Takes Hold of Starting Sport, Turner OUT (2:37)Sergiño Dest is BACK (4:17)MLS Heavy Roster (7:00)Weston McKennie Snubbed (7:42)Pulisic & Sargent Make Their Return (12:45)“I am disappointed” (18:21)Son & Müller Come Up Big in MLS Action (19:29)Leagues Cup Semifinals are Set (22:34) Learn more about your ad choices. Visit podcastchoices.com/adchoices
While Cincinnati made some big moves on Thursday night at the close of the summer transfer window, it seemed they were fresh out of moves by Sunday night when it came to their play on the pitch as the orange and blue dropped their second straight at home by a score of 1-0 to NYCFC. There is plenty to critique and even more to complain about, but in the end, FCC is just 2 points away from the top of the table and have a chance this week to regain the lead with a win over the current leader, Philadelphia Union. Join us live every Monday night at 9 pm eastern. Get your Apple MLS Season Pass. Leave a note in the comments. #MLS #FCCincinnati #soccer #FCCincy Show Sponsors: Apollo Home - www.apollohome.com Go Beyond Exercise - www.gobeyondexercise.com Follow Us: Twitter Facebook Instagram Website Support the Show Email Us - feedback@cincinnatisoccertalk.com Photo Credit: CST Media LLC Support CST by using StreamYard. Want to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/6126879713525760
Liverpool's trip to Newcastle had it all: a red card, a two-goal comeback, and a record-setting winner from 16-year-old Rio Ngumoha in stoppage time. We break down the drama at St. James' Park, the striker crisis and injury worries for Eddie Howe, and the historic scoring run under Arne Slot.Closer to home, St. Louis City makes a front-office shakeup, Carlos Terán leaves Chicago, and we set the stage for an all-MLS semifinal round in the Leagues Cup. Plus, updates from Scotland's Old Firm, the latest twists in the European transfer window, Barcelona's Camp Nou reopening plans, and big results from around the world.
It's a busy Tuesday Thoughts on SDH AMKacey White joins to talk about the weekend in college soccer- ACC and SEC- fresh off her call of Wake and Miss State plus a little MLS for the weekendWe look at the news of the AM in hours one and two andFootball consultant Jason Stephens drops by for his Tuesday visit looking at the economics of soccer and the involvement of multi-club ownerships
Kacey White drops by SDH AM on Tuesdays to start the showShe goes through the college ranks and looks at the Power conferences in the SEC and ACC- fresh after her call of Wake and Miss State, plus a preview of New England and Charlotte in MLS this weekend
NSC returned home in their jorts and turned The Castle into a theme park as they bested Orlando City with a 5-1 victory. This victory puts the Coyotes back into position to challenge for the Supporters Shield. As always, thanks for listening.
The Backheeled Show | USMNT, USWNT, MLS, NWSL, USL, and more soccer coverage
On today's show, Joe Lowery breaks down St. Louis City's decision to part ways with sporting director Lutz Pfannenstiel. What went wrong? And what comes next? Plus, we chat about a group of MLS teams that did fascinating things during the now-closed summer transfer window.If you enjoyed this episode, leave us a rating and subscribe to Backheeled.com for more American soccer coverage! Hosted on Acast. See acast.com/privacy for more information.
Send us a textFootball never disappoints — unless you're Manchester United. From St. Louis City's front office chaos to Spurs outclassing City, this week's Mecca of Banter is stacked with drama, banter, and big-time analysis.We dive into:St. Louis City shakeup: Sporting director Lutz is out, ownership under fire, and fans demanding answers.MLS fallout: Officiating disasters vs Vancouver, City 2's youth dominance, and what's next for the club's future.Premier League madness: • Spurs vs City — Frank-ball dismantles Pep, Brennan Johnson shines, and Spurs' center-back duo looks elite. • United vs Fulham — more questions than answers. • Liverpool vs Newcastle — absolute chaos, big goals, and fantasy football headaches. • Chelsea, Arsenal, West Ham — injury updates, tactical changes, and breakout players.Key players & talking points: Winks' standout display, strikers' impact on tactics, fantasy football insights, and Eketike's rise.⚽ Expect a mix of serious analysis, hot takes, and pure banter.Sound bites you'll love:“This season is over.” • “It was electric.” • “Take it and run, baby!”Chapters 00:00 – Introduction and Team Updates 05:36 – St. Louis City Sporting Director Departure 24:23 – Premier League Highlights and Chelsea's Performance 27:15 – Arsenal's Corner Defense and Player Highlights 28:55 – Chelsea's Young Talent and Managerial Concerns 29:49 – West Ham's Performance and Managerial Pressure 31:40 – Spurs vs. City: Tactical Masterclass 36:44 – Goalkeeping Decisions and Team Dynamics 40:11 – Arsenal's Dominance and Player Performances 48:29 – Match Reflections: United vs Fulham 58:12 – Game of the Week: Liverpool vs Newcastle 01:10:18 – Outside the Premier League: Notable MomentsKeywords: St. Louis City, Premier League, sporting director, Spurs, Manchester United, Liverpool, Newcastle, Chelsea, Arsenal, West Ham, football analysis, squad depth, fantasy football, injuries, Eketike, Winks, center backs, strikers, tactics, transfersSupport the show
Brennan and Joe are back, and it is ranking season. The boys reveal the ranking of the bottom half of the NFL and discuss some of the offseason holdouts. Then they quickly go over the WNBA standings and Fulham's first two matches of the season. Cheers!
Join us for an explosive Orlando City SC livestream as we dissect the Lions' shocking 5-1 defeat to Nashville SC, breaking down what went wrong in this MLS thrashing. We'll also celebrate Orlando City B's thrilling 2-1 victory over Atlanta United 2, sealed by a last-second goal. Plus, we're diving into the high-stakes Leagues Cup Semifinal clash against Inter Miami—can OCSC bounce back in the Florida Derby? Get our score predictions, key player insights, and more! Don't miss the action—#VamosOrlando #OrlandoCity #LeaguesCup #MLS #InterMiami
We are previewing the derby semifinal between Orlando City and Inter Miami#InterMiami #Messi #InterMiamiCF
La previa del partido entre Inter Miami y Orlando City#InterMiami #Messi #InterMiamiCF
The gang is here for a bit of a catchup, including recapping #TFClive vs Atlanta and Columbus, V-Cup first legs, #CanPL and NSL match week reviews, Toronto signings of both funny money and people, preview Toronto v Montreal, and so much other stuff and malarkey. In this episode Duncan warns that his laptop was about to die and then it did, Mark has no faith in Ottawa in doing their part and Kristin threatens Duncan about arguing in person.
Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence. President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff. They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors. Resources: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education Keith Weinhold 0:28 since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Speaker 1 1:14 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:24 Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE. Keith Weinhold 6:24 Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com Keith Weinhold 7:18 today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge, Caeli Ridge 7:54 ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me Keith Weinhold 8:00 opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts. Caeli Ridge 8:48 So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor Keith Weinhold 12:45 the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year. Caeli Ridge 14:04 Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful Keith Weinhold 15:00 for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy? Caeli Ridge 15:09 It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility. Keith Weinhold 15:37 If Powell did everything Trump said, I feel like we would have negative interest rates right now Caeli Ridge 15:43 that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way Keith Weinhold 16:49 there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this. Caeli Ridge 17:30 The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth Keith Weinhold 17:59 you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold. Keith Weinhold 18:15 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. Keith Weinhold 18:46 You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866, Rick Sharga 19:58 this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 20:05 Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there. Caeli Ridge 21:12 It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning. Keith Weinhold 23:24 That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway. Caeli Ridge 23:50 Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I Keith Weinhold 25:43 I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down. Caeli Ridge 26:42 I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah, Keith Weinhold 27:27 Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all. Caeli Ridge 28:06 You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know. Keith Weinhold 29:09 Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that? Caeli Ridge 29:20 Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box. Keith Weinhold 31:22 Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this? Caeli Ridge 31:35 It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go. Keith Weinhold 32:32 Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about Caeli Ridge 33:21 let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see, Keith Weinhold 36:42 yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest Caeli Ridge 36:57 rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there. Keith Weinhold 37:13 Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge. Caeli Ridge 37:41 Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space Keith Weinhold 38:36 and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are Caeli Ridge 38:44 licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343, Keith Weinhold 39:04 I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show. Caeli Ridge 39:13 Thanks, Keith. Keith Weinhold 39:21 A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream. Speaker 2 41:07 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 41:31 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866 Keith Weinhold 42:47 The preceding program was brought to you by your home for wealth, building, get richeducation.com.
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