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My Big Fat Bloody Mary Podcast: Day Drinking | Recipe Sharing | Product Reviews
INTRO: Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Special hello to our new listeners! 19 new listeners from my neighbor to the west – MN. We are coming to you from the studios of the Bloody Mary Concert …
Nationally, folks are wondering how the Buffs will replace a top level quarterback and a Heisman Trophy winner? 247Sports Colorado reporter Adam Munsterteiger and Cover 3 host Bud Elliott discuss on CBS Sports HQ.
In Hour 3, Andy and Randy talk about what the Hawks are building around Trae Young, the Braves changing their rotation and getting one day closer to Jurickson Profar returning, and the AMA.
In this case, the court considered this issue: Should challenges by small oil refineries seeking exemptions from the requirements of the Clean Air Act's Renewable Fuel Standard program be heard exclusively in the U-S Court of Appeals for the D-C Circuit because the agency's denial actions are “nationally applicable” or “based on a determination of nationwide scope or effect”?The case was decided on June 18, 2025.The Supreme Court held that EPA's denials of small refinery exemption petitions from renewable fuel requirements must be challenged in the D-C Circuit because they are locally applicable actions based on determinations of nationwide scope or effect. Justice Clarence Thomas authored the 7-2 majority opinion of the Court.The Clean Air Act establishes a tripartite venue system for reviewing EPA actions. “Nationally applicable” EPA actions must be challenged exclusively in the D-C Circuit, while “locally or regionally applicable” actions ordinarily belong in regional courts of appeals. However, locally or regionally applicable actions that are “based on a determination of nationwide scope or effect” must be reviewed in the D-C Circuit if EPA finds and publishes that such basis exists. To identify the relevant “action” for venue purposes, courts must look to the specific statutory authority EPA is exercising rather than how EPA packages its decisions. Each EPA denial of an individual refinery's exemption petition constitutes its own “action” because the Clean Air Act allows each small refinery to petition EPA separately and requires EPA to act on each petition. An action is “nationally applicable” if it applies on its face throughout the entire country; alternatively, it is “locally or regionally applicable” if it applies only to particular places. EPA's denial of a single refinery's exemption petition applies only to that specific refinery in a particular location, making such denials paradigmatically locally or regionally applicable actions.The “nationwide scope or effect” exception applies because EPA's statutory interpretation and economic theory formed the core basis for its denials. A “determination” refers to EPA's justifications for taking action, and determinations have nationwide “scope” if they apply throughout the country as a legal matter or nationwide “effect” if they apply as a practical matter. An EPA action is “based on” such a determination only if that determination lies at the core of the agency action and forms the primary explanation for EPA's decision—requiring more than but-for causation. EPA's interpretation of “disproportionate economic hardship” and its RIN passthrough theory constitute clear determinations of nationwide scope because they apply generically to all refineries regardless of location. These determinations formed the core basis for EPA's denials because EPA used them to reach a presumptive resolution to deny all petitions, then considered refinery-specific factors only to confirm it had no reason to depart from this presumptive disposition. Where EPA relies on determinations of nationwide scope or effect to reach a presumptive resolution, those determinations qualify as the primary driver of its decision, making EPA's confirmatory review of refinery-specific facts merely peripheral by comparison.Justice Neil Gorsuch authored a dissenting opinion, joined by Chief Justice John Roberts, arguing that the Clean Air Act's substantive provisions do not call for EPA to make determinations of nationwide scope or effect when acting on individual small refinery hardship petitions, and that the majority's new test will make simple venue questions unnecessarily difficult and expensive to resolve.The opinion is presented here in its entirety, but with citations omitted. If you appreciate this episode, please subscribe. Thank you.
My Big Fat Bloody Mary Podcast: Day Drinking | Recipe Sharing | Product Reviews
Red Beard Seasonings – Bloody Mary Blend INTRO: Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Special hello to our new listeners! ****8 New Listeners in Brazil! We are coming to you from the studios of the Bloody Mary …
The Rockies announced that Walker Monfort, the oldest son of Dick Monfort, has been promoted to executive VP, while team President Greg Feasel will step down at the end of the season. Will Walker bring fresh ideas and a new perspective into the front office? And could Bill Schmidt be fired during or after the season? Plus, who are the most untradeable sports stars nationally and locally? Eric Goodman and Bruce Haertl tackle it on a Friday edition of Hot Takes!
Nationally syndicated financial columnist and author Terry Savage joins Wendy Snyder, filling in for Lisa Dent, to discuss the stock market. Savage details the rallies on the stock market in spite of the ongoing conflict in the Middle East. Then, she reviews what might be the reason for the surge, and as always, answers questions from listeners.
Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about new home sales falling in May, if this means there are buying opportunities, and the latest on Social Security and if you should take benefits earlier. Terry also answers all of your financial questions.
Though Dorothy was somewhat opinionated, she truly had a big heart. During my conversation with Marc, he shares story after story that had us laughing but Dorothy was the kind of woman who liked things done her way and it was best for everyone that you kept that in mind.She loved keeping a clean house. It was duly important that her sons did well in school but what was clearly obvious was how much she loved her family. Dinners together every night was a must. Everyone had to share what happened during their day and what they had learned.Marc has a number of very funny stories of his mother but what really rings true to me is that Dorothy had a huge heart. There's one story in particular that you'll hear my guest share that's heartbreaking yet so indicative of what kind of person Dorothy was and how she was constantly teaching her two sons life lessons."Seven Days of Shiva:Forty-Six Years of Puppy Love," has put Marc on the Amazon Best Selling Author list. It's the heartwarming and heartbreaking story of he and the love of his life, Barbara.Our conversation will have you laughing and in tears, but it's powerful messages are worth every every second. My mother began to list her “commandments” for being a good husband. Number 1: As a husband, you should learn to keep your mouth shut.Number 2: Your wife should be in charge of running the household.Number 3: It's not your place to plan the dinner meals. Your wife should plan that, and you should be happy with it.Number 4: Your wife should be in charge of the checking account.Number 5: Your wife should be in charge of paying the bills.Number 6: You should not cash your paycheck on the way home. Bring your check home, uncashed.Number 7: You should turn down invitations from your friends at work to go out after work.Number 8: You should go directly home after work to your wife.Number 9: You shouldn't concern yourself with what other people have. Number 10: You should be satisfied with what you and your wife have."When my mother was finished with her list, she said, “So, you understand what I'm saying?”“Yes,” Marc responded. Social Media Links: Website:marcgellman.com Facebook: https://www.facebook.com/marcgellmanauthor Instagram:https://www.instagram.com/benjaminsgrandpa/ You Tube: https://www.youtube.com/channel/UC9d3kIi9koeaQGKKsTQupTQ Tik Tok: https://www.tiktok.com/@marc.gellman Book - Landing Page: https://marcgellman.com/seven-days-shiva/ Video Trailer on You Tube: https://youtu.be/0CDB5AjFVcc Amazon:https://www.amazon.com/dp/1737522306 https://amzn.to/3HZ7cYz "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother
Eric Zorn, Publisher of The Picayune Sentinel, joins John Williams to talk about the heatwave enveloping the Chicago area, his thoughts on the NYC primary election, if he favors ranked-choice voting, JB Pritzker likely announcing another run for Illinois governor, and the possibility of former mayor Rahm Emanuel considering a run for president.
Eric Zorn, Publisher of The Picayune Sentinel, joins John Williams to talk about the heatwave enveloping the Chicago area, his thoughts on the NYC primary election, if he favors ranked-choice voting, JB Pritzker likely announcing another run for Illinois governor, and the possibility of former mayor Rahm Emanuel considering a run for president.
Eric Zorn, Publisher of The Picayune Sentinel, joins John Williams to talk about the heatwave enveloping the Chicago area, his thoughts on the NYC primary election, if he favors ranked-choice voting, JB Pritzker likely announcing another run for Illinois governor, and the possibility of former mayor Rahm Emanuel considering a run for president.
My Big Fat Bloody Mary Podcast: Day Drinking | Recipe Sharing | Product Reviews
INTRO: Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Special hello to our new listeners! *24 New listeners in State of Georgia! We are coming to you from the studios of the Bloody Mary Concert Series. I am being …
Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about a new report that shows the Social Security retirement trust fund may be depleted in less than a decade, what needs to be done to fix Social Security, and her thoughts on Fed Chair Powell’s interest rate decision. And as always, Terry answers all […]
Life sometimes has a funny way of turning out. Sometimes a dire situation presents itself and the outcome is much better than we could have ever imagined. In this particular case, it took a mother to show her true love, courage and support and possibly willingly risk jail time to prove to her son that she loved him with her whole heart. While convalescing at home, Chisom finally was courageous enough to come out to his loving parents. Bedridden and home bound after his initial collapse, he was convinced it was time to open up to his parents about his sexuality. At a most vulnerable time in his life, he was scared and nervous about telling his parents the truth, that he was gay. He was certain that both his parents loved him unconditionally but was afraid this was going to be too much for them. "Knowing that my parents loved me so much, made it that much easier to come out to them and be open with them," added Chisom. His mother's response was " I know, I've always known," says my guest.On a grander scale, writing a personal essay about being a member of the LGBTQ community and having his story published in the NY Times Modern Love Column was frighting. Possibly the whole world could read it and find out the truth, that Chisom was a member of the gay community. Chisom's essay is an endearing story of his parent's love for their son. His mother, who's name is Gift, is exceptionally open and honest and loving of her son, regardless of his sexual preference. One can only hope, that everyone struggling with coming out to their loved ones, will receive the same openness and acceptance.Chisom's message to his mother "You are a rock star. You are a gift to me. And I love you very much. Words can't describe how much I love you and how much you mean to me. Everything I do, I do it for you. You are always there for me and you always support me. You always tell me to shoot for the stars".**In February 2021, Chisom has hired to be the Deputy Editor and Culture and Technology reporter of @Livingfree_UK. https://livingfreeuk.org/"Living Free UK is a registered community interest company founded in 2018 out of the struggles of millions of LGBTIQ+ Africans who are still battling with their sexuality and gender identity, especially in countries where it is still illegal to live their truth and in some cases lose their lives while trying to find liberty and acceptance.Our main aim is to provide support and validate the lived experiences of LGBTIQ+ Africans, people seeking asylum, and refugees. As research shows, there are 72 countries where homosexuality is still a crime and even in the UK, LGBTIQ+ Africans experience immense difficultly when finding a safe space to express themselves freely and openly without fear of racism, afrophobia, or prejudice of any kind. Some are also unable to return home because of the danger that awaits them.**Now a budding journalist and recent nominee for a journalistic award- this is from Chisom's LinkedIn Acct. (March 2022)"Yesterday was the Future Awards Africa, and I was nominated for the journalism prize and was also the second youngest nominee in the awards. While I didn't win, I'm grateful for the opportunity to be seen.As a young journalist covering policies and minority groups in Nigeria and Sub-Saharan Africa, the work I do can be pretty dangerous, but getting nominated for this is a "stepping stone," as my ma put it. Also, I did receive a certificate of nomination, so yay!!Here is to more extraordinary things in 2022 and beyond because I am just getting started." https://www.telegraph.co.uk/news/worldnews/africaandindianocean/nigeria/10570304/Nigeria-passes-law-banning-homosexuality.htmlThe Act to Make Provisions for the Prohibition of Relationship Between Persons of the Same Sex, Celebration of Marriage by Them, and for Other Matters Connected Therewith, also known as the Same Sex (Prohibition) Act 2006, was a controversial draft bill that was first put before the both houses of the National Assembly of Nigeria in early 2007. Seven years later, another draft was passed into legislation by president Goodluck Jonathan as the Same Sex Marriage (Prohibition) Act 2013**Link To March 2022 NY Times Modern Love Essay: https://www.nytimes.com/2022/03/11/style/modern-love-heart-attack-gay-nigeria.html?https://managingeditor.com/chisom-peter-job-creating-content-for-communities/WEBSITE: https://chisomjob.com/ Twitter: @chisompeterjobInstagram: chisompeterjobLinkedIn:Chisom Peter Job "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother
Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the uncertainty of the stock market and the economy. Savage reviews the causes of the uncertainty and what the federal reserve might do tomorrow. Then, as always, she answers questions from listeners.
The Big K Hour 2: Mental Health Tips, and an Update Nationally full 1387 Mon, 16 Jun 2025 12:30:25 +0000 M2KVuxc37ivY6TN5h8HR05r6eWm1O7zh news,a-newscasts,top picks The Big K Morning Show news,a-newscasts,top picks The Big K Hour 2: Mental Health Tips, and an Update Nationally The Big K Morning Show 2024 © 2021 Audacy, Inc. News News News News news News News News News News False https://player.amperwavepodcas
My Big Fat Bloody Mary Podcast: Day Drinking | Recipe Sharing | Product Reviews
INTRO: Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Special hello to our new listeners! 33 New Listeners in the State of New York! We are coming to you from the studios of the Bloody Mary Concert Series. We …
Nationally syndicated radio host, award-winning author, and transformation expert Kat James
Housing analyst Melody Wright sees prices headed downwards nationally this year as inventory continues to explode higher in more and more markets.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#homeprices #housingmarket #mortgagerates _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.
Nationwide Protests and Riots: The hosts argue that recent protests, which they compare to the 2020 BLM protests, are not organic but orchestrated. They list numerous cities experiencing unrest and claim these are Democrat-run and complicit in the violence. Impact on Small Businesses: Emotional interviews with small business owners, particularly a family-owned jewelry store in LA, highlight the destruction and lack of insurance coverage. Criticism of Political Leaders: Harsh critiques of California Governor Gavin Newsom, LA Mayor Karen Bass, and Congresswoman Maxine Waters. Accusations that these leaders are enabling lawlessness and undermining law enforcement. Illegal Immigration and Crime: The episode includes a list of violent crimes allegedly committed by undocumented immigrants. The hosts argue that federal immigration enforcement is necessary and being wrongly opposed by Democratic leaders. Media Bias: The podcast criticizes major outlets like CNN, NPR, and The New York Times for allegedly misrepresenting the protests as peaceful. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and the Ben Ferguson Show Podcast Wherever You get You're Podcasts. Thanks for Listening #seanhannity #hannity #marklevin #levin #charliekirk #megynkelly #tucker #tuckercarlson #glennbeck #benshapiro #shapiro #trump #sexton #bucksexton#rushlimbaugh #limbaugh #whitehouse #senate #congress #thehouse #democrats#republicans #conservative #senator #congressman #congressmen #congresswoman #capitol #president #vicepresident #POTUS #presidentoftheunitedstatesofamerica#SCOTUS #Supremecourt #DonaldTrump #PresidentDonaldTrump #DT #TedCruz #Benferguson #Verdict #justicecorrupted #UnwokeHowtoDefeatCulturalMarxisminAmericaYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.
Today's Headlines: Roughly 2,700 U.S. Marines and National Guard troops have arrived in Los Angeles amid ongoing protests, though they haven't been formally deployed. The Pentagon estimates the cost of this operation, plus a military parade, could reach $200 million by week's end—despite the lack of proper housing for many troops. President Trump hinted at invoking the Insurrection Act. Meanwhile, over 100 LA schools are tightening graduation security due to fears of ICE activity. Nationally, HHS Secretary RFK Jr. removed all 17 CDC vaccine advisors, calling for a "clean sweep" to restore public trust—despite the committee's nonpartisan makeup. Globally, the World Bank predicts just 2.3% economic growth this year, citing Trump-era tariffs and global instability. U.S. growth is forecasted at only 1.4%. In Austria, a former student fatally shot 10 peers in Graz, prompting national mourning. And in Brussels, the EU proposed its 18th sanctions package against Russia, aimed at cutting off oil and gas revenue. Resources/Articles mentioned in this episode: AP News: Live updates: Newsom asks court to block Trump's use of military to support LA immigration raids AP News: RFK Jr. ousts entire CDC vaccine advisory committee Axios: World Bank says global economy "running into turbulence" NYT: At Least 10 Dead After Austria School Shooting, Police Say CNN: Europe heaps harsh sanctions on Russia, saying ‘strength is the only language' Moscow understands Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices
We're still a little more than two months away from the start of the 2025 college football season, but we've hit the part of the offseason where folks are feeling a bit celebratory. For Oregon, that means it's Hall of Fame season. Nationally, former Oregon running back Jonathan Stewart has been selected to be on the 2025 National Football Foundation College Football Hall of Fame ballot. Locally, Oregon has released its own list of honorees, with Marcus Mariota and Hroniss Grasu leading the class of athletes to be inducted into the Oregon Hall of Fame this fall. And while in this week's episode of The I-5 Corridor's Traffic Report, Tyson wants to focus in on which players from the last 10 years have a shot to be enshrined as an Oregon immortal, Justin wanted to focus on a coach. Mark Helfrich, to be specific. Oh yeah, it's a take. And you'll have to listen to the episode to find out just how well it's supported. Plus: Oregon vs. the Heat Wave, the Beavers are heading to Omaha and the concern level for Oregon's WRs post-Evan Stewart injury. For more, listen to this podcast in the player above or find us over on Apple or Spotify.The I-5 Corridor is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.i-5corridor.com/subscribe
Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about long-term care insurance and what you need to know, what she thinks of President Trump’s plan to give newborns $1,000, and to answer all of your financial questions.
Today on America in the Morning Newsom & Trump Square Off On LA In an address to his state and the nation, California Governor Gavin Newsom accused President Trump of what he called “pulling a military dragnet” across Los Angeles, instilling fear and targeting hard working people with arrests, and “enflaming a combustible situation,” this as protests that led to a number of arrests continued through the night. Meanwhile, President Trump praised the law enforcement response in Los Angeles, and his part in it, as US Marines prepare to arrive in downtown Los Angeles to join the 4,000 National Guard troops already called up by the president. Rich Johnson has the latest. Hegseth On The Hot Seat Prior to traveling to North Carolina where he and President Trump addressed soldiers, Defense Secretary Pete Hegseth testified before a House committee looking into spending on both the national defense and for troops in Los Angeles. Correspondent Haya Panjwani reports the hearing got testy at times including in this exchange between Hegseth and a Democrat congresswoman. Weinstein Jury Still Out There are no answers yet from the jury in Harvey Weinstein's sex crimes case as they continue deliberating. The latest from correspondent Julie Walker. Ending FEMA Saying that governors and not the federal government should be able to handle natural disasters in their states, President Trump announced he plans to phase out FEMA after this year's hurricane season. Correspondent Ed Donahue reports. NJ Governor Primary Republican Jack Ciattarelli (pronounced chit-uh-relli), who was backed by President Trump, easily prevailed against a field that included a popular talk radio host to win the GOP primary. Congresswoman Mikie (pronounced my-key) Sherrill, a former Navy pilot, was the winner in the Democrat primary. Preparing For The Parade Preparations are underway for the military parade scheduled for this weekend in Washington, DC. Correspondent Lisa Dwyer reports. More National Guard In Los Angeles California Governor Gavin Newsom addressed his state last night after filing an emergency appeal in an attempt to block President Trump from sending US Marines and California National Guard troops onto the streets of Los Angeles, this as Mayor Karen Bass also ordered a limited curfew to take effect for certain parts of the city. Newsom's emergency appeal will be heard tomorrow. Correspondent Ed Donahue reports on the President defending the deployment of the National Guard to the nation's second largest city. Protests Grow Nationwide The scenes from Los Angeles are not the only ICE protests. From Seattle to San Diego, Omaha, Chicago, New York, and other cities, correspondent Rich Johnson reports people are gathering from coast to coast to oppose the ICE roundups. Trump To Fort Bragg Speaking to America's military in North Carolina, President Trump on Tuesday defended his order of the California National Guard and the US Marines to deploy to Los Angeles in a speech he gave recognizing the 250th anniversary of the US Army. Finding Travis Decker Officials believe they are hot on the trail of Travis Decker, as the Washington State manhunt intensifies for the father suspected of murdering his three young daughters. The details from correspondent Sue Aller. Finally ABC News is parting ways with veteran correspondent Terry Moran, two days after the longtime correspondent posted on X calling President Trump and Deputy Chief-of-Staff Stephen Miller “world class haters.” Learn more about your ad choices. Visit podcastchoices.com/adchoices
Sadiqa, my guest's mother, was fifteen years old when she became a mother for the first time as part of an arranged marriage in Baghdad, Iraq in 1955. She was a wonderful mother but Sairan thought a bit too cautious which is very common for a teenager to think. Having a more conservative husband, Sadiqa loved all of her children equally and would often do anything for them. She was more lenient that her husband. My guest was one of seven children, safely nestled in the middle of the large group of children.With no formal education, she never did any professional training, she was beautiful, had a wonderful sense of humor and did everything for her children as her husband travelled frequently for business. In Sairan's mind, her mother "had seven PHD's because she raised seven wonderful children, each one unique.Unfortunately, Sadiqua died unexpectedly at fifty-eight years old and Sairan wasn't able to introduce her first child to her mother in person.Sairan is a Business Strategist and Engineer but she also is helping people unpack their hidden gem. Often, we think we are happy-working, taking care of the family, seeing friends, etc. But, Sairan, who was born in Bagdad and now an Iraqi American citizen, learned many life lessons at 26 years old when she came to the United States with her big American dreams. Today, she's a mom, entrepreneur and very successful engineer, but she's come to appreciate the belif of making and impact in the workd and that obstacles can be overcome. "Voices of Truth" is a compilation of engaging speakers sharing their stories of impact. Sairan is on the the contributing authors.As one can expect, being so far away from family, at such a young age, had it's challenges and heartbreak. And it was such an honor to hear Sairan share stories of her mother. Unfortunately, things didn't work out as planned back in 2002 but I'm grateful that Sairan felt comfortable opening up to me.My guest has launched another career where she's helping middle aged women and men take their next steps in life to figure out who they are, what they want to do with their lives and what kind of impact they want to have on the world.I received wonderful emails from Sairan including these wonderful tidbits about her mother. She wrote "my relationship with my mother has been both foundational and transformative. She was a woman of quiet strength and resilience, and while our bond wasn't always expressed through words, her actions taught me the value of perseverance, integrity, and grace under pressure. She laid the groundwork for the woman I've become—both as an engineer and a business strategist—by modeling the power of showing up fully, even when the odds are stacked against you.I was drawn to your podcast because I believe these stories matter. The influence of our mothers or female role models often shapes our identity in powerful, often subtle, ways. I wanted to share insights on how that influence—especially in midlife—can become a springboard for reinvention. For many women, midlife feels like a cross roads. But with the right mindset, it can be a launch pad. That's a message I hope will inspire your audience to reflect on their own journeys and the women who helped shape them."There are many wonderful stories that Sairan shared with me. I hope you enjoy this episode. And take a part of Saduqa with you where ever you go. SOCIAL MEDIA:LINKEDIN: Sairan Aqrawi, M.Sc.INSTAGRAM: sairanaqrawiEngineering Innovator | Leadership Strategist | Transformational Team Lead | Communication Specialist | Team Performance ExpertWashington Metropolitan Area Transit Authority (WMATA)The George Washington University - School of Engineering & Applied ScienceWashington DC-Baltimore Area Contact infoLet's Set Up a Meeting T AN IMPACT IN THE WORLD / AND THAT “OBSTACLES CAN BE OVERCOME”. "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother
Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the state of the stock market. Savage shares that the stock market is up despite a lack of a trade deal with China, but is weary of the stability of consumer spending. Then, as always, she answers questions from listeners.
My Big Fat Bloody Mary Podcast: Day Drinking | Recipe Sharing | Product Reviews
INTRO: Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. June 8th – Happy Best Friends Day! Special hello to our new listeners! 2 new listeners in Bangladesh. We are coming to you from the studios of the Bloody Mary …
Welcome back to Season 8 of the Recovering Perfectionist Podcast in partnership with the Dance Wellness Community!In this episode, Christine chats with DWC practitioner Kim Watson, MSN, FNP, one of Colorado's premier Cosmetic Nurse Specialists, with over 30 years of experience in reconstructive and cosmetic plastic surgery. Nationally recognized as a trainer for Galderma and Allergan, she has educated thousands of aesthetic injectors and is sought after by dermatologists, surgeons, and clinical peers across the country.Kim is the founder of the first official DanceSport Medical Team, providing medical and aesthetic services—such as IV therapy, B12 shots, and emergency care—at national ballroom dance competitions. Kim and her team are always ready and on deck for their clients, which includes TV personalities, Dancing with the Stars talent, and world-class ballroom athletes.Her holistic and grounded approach is shaped by years of diverse experience—from emergency ambulance care and owning a cosmetic clinic in Colorado Springs to working with Olympic athletes and rodeo cowboys. This unique blend of expertise makes her a truly one-of-a-kind medical professional, ready for any situation.When not in the clinic, Kim enjoys ballroom dancing and exploring the Rocky Mountains by mule.DANCE WELLNESS COMMUNITY:Join us in the INNER CIRCLE:https://dancewellnesscommunity.com/innercircle CONNECT WITH KIM & HER TEAM:https://www.instagram.com/dancesportmedicalteam/https://www.facebook.com/profile.php?id=61553708781797CHRISTINE BAR NOEL:All The Things! https://beacons.ai/christinebarnoelInstagram:https://www.instagram.com/recoveringperfectionistpodcasthttps://www.instagram.com/dancewellnesscommunity
Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the net return of T-bills, what you need to know about the Trump tax bill, the opposition to the bill by some members of the GOP, the weak ADP jobs report, why you need to join the digital revolution when it comes to your […]
Shayna is the founder of "Austin Therapy For Girls" in Austin, TX. She lives next door to her mother Kappie. My guests talk about their similarities and differences through out our conversation. And they both are very keen on helping young ladies figure out/work around all of life's stressors, especially beginning with the tween and teen years. "Pink Chaos-Navigating the Mother-Daughter Relationship with your Tween" is Shayna's book which helps mothers and daughters navigate the tween years. Shayna felt that tween girls need as much help and support as teens, but weren't getting the acknowledgement that they deserved. Tween age range is between 9-12 years of age.Both women agree that they have a special connection, unlike most mother/daughter relationships because " concern for other people connect us in a way that is different from a lot of mother's and daughters," says Kappie. "This is a value that we are sharing" continues Shayna- "always taking care of people."During her teen years, Shayna was wildly influenced by Madonna and her music. It was boldly reflected in the way she dressed and expressed herself which Kappie was happy that her daughter was expressing her self creativity.Shayna and her sister were "latch-key" kids because their mom was working full time. They kept themselves preoccupied with arts and craft projects such as Shrinky Dinks and more. When I asked Shayna if she felt her mom had any superpowers she said, "she loved and took care of all of her students, her daughters, worked long hours and still had dinner on the table almost every night." "An education is something no one can take away from you," is what Kappie's mom reinforced throughout Kappie's childhood. Kappie was getting the message very early on in life about the significance of independence, be your own person, make your own way and don't necessarily be dependent on anyone else."In Shayna's book and her practice, she offers a wealth of information that can be worked on at home between moms and daughters. It begins with the correct means of communication, doing things together that both have in common, getting to know what your daughter is truly interested, including getting to see what your daughter's algorithm on her phone is if you don't know already.One statistic that I was shocked to hear is that girls confidence plummets by age of 9! If you go to Shayna's website "PINKCHAOS.COM" you can take a short quiz to find out which on-screen mother daughter duo you are.In her book, Shayna talks about how you can teach your daughter the importance of self love, embracing self love-encourage her to speak to herself with kindness and compassion and lots more.Some topics/issues that Shayna can help parents/girls with include building resilience, effective communication, promoting self worth, supporting friendships, navigating girl world, emotional regulation calming the chaos and embracing individuality.SHAYNA BARKSDALE'S SOCIAL MEDIA:FACEBOOK: @AustinTherapyforGirls INSTAGRAM: @AustinTherapyforGirls WEBSITE: austintherapyforgirls.com and/or Pinkchaos.com "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother
Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss Steve Bertrand’s 40th work anniversary and whether he followed her financial advice early in her career. Then, Savage talks about her most recent column about the digital world that we now live in and how important that is is to have access to digital […]
Join us for a wild ride on this episode of the podcast! We dive into hilarious discussions about quirky fashion choices, the adrenaline-pumping Cooper's Hill Cheese Rolling event, and the surprising Scottish pole tossing tradition. We also unpack a bizarre moment with French President Emmanuel Macron getting playfully pushed by his wife during a public appearance, sparking laughs and speculation. Plus, enjoy Dr. Dingling's latest antics and thought-provoking chats about AI advancements and cultural trends. Don't miss the fun banter, unexpected tangents, and a nod to staying positive with plenty of meat, sunlight, and sleep! Hit that like button, subscribe, and join us for the live show!#macron #cheeserolling #breakingnews Join this channel to get access to perks: / @thebubbaarmy Listen to the ULTIMATE BTLS® ARCHIVE and BUBBA ARMY RADIO LIVE 24/7/365 on BUBBAARMYHQ.COM!Join the millions of listeners tuning in to the Nationally syndicated Bubba the Love Sponge Show airing Monday through Friday from 6-10am EST. Hosted by the infamous Bubba the Love Sponge® this show is known for its outrageous humor, celebrity interviews, and controversial topics. With a loyal fan base and a reputation for pushing the boundaries, Bubba and his crew never fail to entertain.SEE THE BUBBA THE LOVE SPONGE® SHOW LIVE MONDAY-FRIDAY 6-10AM FREE: rumble.com/c/thebubbaarmySUBSCRIBE/LIKE/SHARE/COMMENT: NEW MERCH IS UP!! GO TO http://www.bubbaarmymerch.comFOR ALL THINGS BUBBA: http://www.thebubbaarmy.comLISTEN TO US NOW: http://www.bubbaarmyradio.com/ LIKE OUR FACEBOOK: / thebubbaarmy FOLLOW US ON INSTAGRAM: @TheBubbaArmySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
On the cusp of the greatest wealth transfer in history—with $124 trillion moving between generations in the next 20 years—we explore how philanthropy can be transformative, and transformed. Nationally recognized philanthropic leader Dimple Abichandani has crafted a blueprint for how wealth can be transformed into a more just and sustainable future in times of rapid change and crisis. Can philanthropy be an anti-racist, feminist, relational, and joyful expression of solidarity? In A New Era of Philanthropy, Dimple argues that yes, philanthropy can be these things—and for the future we seek, and for the sector to achieve its greatest impact, it must be. With fresh answers to the question of how philanthropy can meet this high-stakes moment—from reimagining governance to aligning investments to crisis funding and beyond—she explains how paradigm shifts can move us forward, beyond critique into real transformation, with relatable stories about funders who are forging a new era of philanthropy. About the Speakers Dimple Abichandani is a nationally recognized philanthropic leader, lawyer, and author of A New Era of Philanthropy: Ten Practices to Transform Wealth Into a More Just and Sustainable Future, a book that reimagines how philanthropy can meet this moment. For two decades, she has worked to reshape philanthropy's purpose and practice while leading innovative funding institutions. As executive director of the General Service Foundation (2015–2022), she aligned the foundation's grantmaking, investments, and governance with justice values. A National Center for Family Philanthropy Fellow, Abichandani's leadership has been recognized with a Scrivener Award for Creative Grantmaking. She serves on the Board of Directors of Solidaire Network and has served on the boards/steering committees of the Trust-Based Philanthropy Project, Northern California Grantmakers, and Grantmakers Concerned with Immigrants and Refugees. Based in the San Francisco Bay Area, she advises donors and foundations on transforming wealth into a just and sustainable future. Tegan Acton founded Wildcard Giving, a family of philanthropic entities created following the sale of WhatsApp to Facebook in 2014. Acton serves as the principal at each of the sister entities, which work together to further civic values, collective responsibility and our common humanity. Prior to establishing Wildcard Giving, Acton served as the director of communications and strategic initiatives for the vice provost of undergraduate education at Stanford University. She additionally held positions at Yahoo! and the Sundance Institute, and graduated from the University of California at Santa Barbara with a BA in English and Political Science. Acton's personal commitments include serving on the Executive Committee for the Collaborative for Gender and Reproductive Equity, chairing the Board of Trustees of the Monterey Bay Aquarium, and investing in independent films through her production company Good Gravy Films. The Commonwealth Club of California is a nonprofit public forum; we welcome donations made during registration to support the production of our programming. A Social Impact Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Commonwealth Club World Affairs is a public forum. Any views expressed in our programs are those of the speakers and not of Commonwealth Club World Affairs. OrganizerVirginia Cheung This program contains EXPLICIT language. Learn more about your ad choices. Visit megaphone.fm/adchoices
Navigating Multifamily CRE in a Volatile Environment Insights from Paul Fiorilla, Director of U.S. Research at Yardi Matrix Paul Fiorilla offers a data-driven view of today's commercial real estate (CRE) landscape using the vast resources he has at his disposal at Yardi. While market sentiment may be growing more optimistic, Fiorilla acknowledges investors should separate short-term mood from long-term fundamentals. His perspective, rooted in close analysis of multifamily data and macro conditions, is both pragmatic and cautionary: yes, there's capital on the sidelines and deals are getting done but many investors may be misreading the durability of recent tailwinds and underestimating latent risks. Short-Term Confidence, Long-Term Industry Real estate is an inherently long-term, illiquid asset class yet, much of the current market behavior appears to be anchored in short-term confidence (and short term memories). That dissonance should give investors pause. While macroeconomic shocks like tariffs, interest rate hikes, and political uncertainty do not immediately register in quarterly CRE data, their effects compound over time. Investor sentiment, meanwhile, remains buoyant. Debt markets have resumed activity, stock indices are back near prior highs, and many assume the worst is behind us. But the lagging nature of real estate data means we're still months away from fully seeing the impacts of recent fiscal and geopolitical developments. Multifamily Fundamentals: A Shifting Landscape Fiorilla addresses the fundamentals of the multifamily sector, noting that demand has remained strong in recent years, but the distribution of that demand is shifting. Rent growth is no longer universal. Over the past 15 months, metros in the Midwest and Northeast, markets like Chicago and New York, have consistently posted moderate, steady rent growth. In contrast, high-growth Sunbelt cities such as Austin, Atlanta, Nashville, and Salt Lake City are experiencing flat to negative rent trends. What's driving this bifurcation is primarily supply. In oversupplied markets, absorption hasn't kept pace with new deliveries. Despite a sharp national decline in starts, down approximately 40% year-over-year, the existing pipeline remains heavy. Nationally, over 1.2 million units are either in lease-up or under construction. In high-growth markets, deliveries will continue at elevated levels for the next several years. Some cities may see 12–15% added to their multifamily inventory by 2027. Fiorilla underscores that while national numbers suggest a tapering of supply, the local realities are more complex. Markets that arguably need more housing, Los Angeles, New York, and Chicago for example, are seeing similar slowdowns in new development as oversaturated markets. The result is a continued misalignment between where capital is building and where it's most needed. The Waning Tailwinds of Demand Fiorilla also points to softening demand drivers that may soon undermine current assumptions. Over the past several years, demand has been supported by several powerful tailwinds: robust job growth, high immigration, and pandemic-era trends such as household formation and suburban relocation. But these are now tapering. Net immigration, while still meaningful, is slowing. Job growth has begun to decelerate. Moreover, federal employment cuts and delays in private-sector hiring – driven by political and fiscal uncertainty – are contributing to a weakening outlook for household formation. These are not necessarily signs of imminent distress, but they do suggest that the extraordinary absorption rates of 2021–2022 will be difficult to sustain. As Fiorilla puts it, “the risks are to the downside.” He's not forecasting a collapse but cautions against overreliance on recent performance when underwriting future deals, particularly in light of ongoing supply pressure. Policy Risk and the Fragility of Subsidized Housing Among the more underappreciated risks in the market, Fiorilla emphasizes policy risk, especially in affordable and subsidized housing. He notes that while programs like LIHTC and Opportunity Zones appear safe, others such as Section 8 are under pressure. Of particular concern are proposals to convert these programs into state-administered block grants. While this may seem like a technocratic shift, it would represent a material change for property owners. Federal guarantees would be replaced by varying state-level funding regimes, increasing payment risk and reducing the predictability that underpins underwriting in the subsidized housing sector. For owners reliant on these programs, even modest payment disruptions could be “catastrophic,” he notes. Interest Rate Volatility: The Real Pain Point Turning to capital markets, Fiorilla distinguishes between the level of interest rates and the pace at which they change. Today's rates, he argues, are not historically high. Pre-GFC, rates were often at similar levels. What's destabilizing is the speed of change. A sharp increase from near-zero to 4–5% within a single year has impaired refinancing feasibility and upended underwriting assumptions. This volatility, not the rates themselves, has created most of the current distress. Borrowers facing refinancing at double or triple the prior coupon are under strain. And yet, transaction activity persists, with many deals still pricing at thin or even negative leverage. Why? Because the #1 driver of compressed cap rates is investor confidence in future cash flows. The belief that rents will continue to rise justifies aggressive pricing – until it doesn't. This mindset echoes pre-GFC sentiment, where rent growth was taken as a given. Fiorilla is quick to clarify that today's market is not nearly as reckless. Still, elevated pricing in an environment of cooling fundamentals could leave investors dangerously exposed to even mild shocks. Quiet Distress and the Maturity Wall Another issue masked by short-term optimism is the growing volume of loan maturities. These include both regularly scheduled maturities and loans previously extended during 2021–2023 that are now reaching their end. Fiorilla notes that many of these are being addressed quietly. Lenders, reluctant to force asset sales, are working with borrowers on a case-by-case basis. The result: distress is real, but it's largely invisible. There's little evidence of forced portfolio liquidations or widespread delinquencies – yet. The availability of capital, particularly for multifamily, is helping to buffer these pressures. There's no shortage of dry powder. But absent a sharp rate reversal or improved clarity from policymakers, the sector could see a slow bleed of marginal deals rather than a systemic reset. Underappreciated Geopolitical Risk One of the most thought-provoking parts of the conversation concerns CRE's growing sensitivity to global and political dynamics. This is a structural change. The U.S. has long benefited from its role as a stable, rule-of-law jurisdiction. But shifts in foreign policy, trade restrictions, and political dysfunction are beginning to weigh on foreign investment. Declining Canadian cross-border investment and tighter restrictions on visa travel are, in part, evidence of this shift. These aren't headline stories but they are meaningful. If the U.S. loses its perception as a reliable haven for capital, CRE pricing could face downward pressure from shrinking foreign demand. This is a long-term trend worth monitoring closely, not a transitory blip. What He's Watching When asked what indicators he watches most closely, Fiorilla points to three primary metrics: Occupancy Rates – Particularly in high-supply markets. Stabilized occupancy below 94% would be an early warning sign. Absorption Trends – A sustained drop in household formation or leasing activity could signal weakening demand. Employment Data – Job losses, especially if broad-based, would ripple into rent growth and occupancy. He also monitors transaction volume as a proxy for investor confidence. If deal flow freezes again, that would signal a recalibration of forward expectations. Final Reflection While Fiorilla resists giving investment advice, his closing thoughts reflect a conservative posture. He's not sitting on the sidelines entirely but he's not rushing in either. Caution, portfolio balance, and realistic expectations are the guiding principles. For CRE professionals, this conversation is a reminder to look past sentiment and dig into the data and the fundamentals: local supply pipelines, policy shifts, interest rate trends, and the fragility of assumptions underpinning future rent growth. The macro backdrop is far from stable and the margin for error, even in multifamily, may be thinner than it appears. *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing. With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection. Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000
Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss student loans. Then, Savage talks about social security, and as always, answers questions from listeners.
My Big Fat Bloody Mary Podcast: Day Drinking | Recipe Sharing | Product Reviews
Arkansas Diamond Fire Bloody Mary Mix and Hot Sauce *Opera Sauces INTRO: Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Special hello to our new listeners! 8 New listeners in Greece. “Kalós írthes! Tóra dóse mou óli ti saláta …
-Mid-day headlines with William -What does it take for Heupel to move into the top 10 CFB coaches?? -What's on tap tonight
Send us a textToday we welcome Dr john Upton to the podcast. John has long served in various Pastoral, Mission, and Director roles both Nationally and Internationally. Pastoring the local church in Texas and Virginia, serving with his family on the field in Taiwan, leading as Director for the Baptist World Alliance and Executive Director of the Baptist General Association of Virginia.
Nationally acclaimed poet and author Mary Mackey lives in Berkeley. Her latest collection of poems takes on a challenging topic: what's left, and where there's hope, in the wake of climate change.
The Clay Edwards Show, a daily reality radio program broadcast from Jackson, Mississippi, delivers unfiltered, conservative commentary on local and national issues. Hosted by Clay Edwards, the show dives into gritty topics with a confrontational style, aiming to spark dialogue on matters often ignored. A key segment exposes a fake Facebook account used to slander individuals and post false reviews, potentially devastating local businesses. Edwards emphasizes the “butterfly effect” of such actions, where one malicious review could ruin livelihoods, disrupt families, or even lead to business closures, underscoring the criminality of such behavior. Nationally, Edwards passionately discusses President Trump's Oval Office confrontation with South Africa's president over alleged genocide against white farmers. He critiques mainstream media for dismissing Trump's claims as “unfounded,” presenting videos and articles to support the allegations and highlighting racial tensions. Edwards connects this to broader themes of media bias and societal fatigue with racial narratives, advocating for transparency and accountability. Locally, the show tackles a Mississippi hate crime where a man, after using racial slurs in a predominantly Black bar, was brutally attacked. Edwards debates whether this constitutes a “justified” response or a crime, questioning the legal and moral implications of using offensive language as a defense for violence. He challenges listeners to consider fairness in legal consequences across racial lines. Engaging with callers, like a New York listener, Edwards explores racial disconnects, rejecting “woke” ideologies and emphasizing personal responsibility. He critiques both the “woke Left” and “woke Right” for divisive tactics, advocating for honest conversations about stereotypes and community issues, including Black-on-Black crime in Jackson, which he calls an “industrial strength homicide” crisis. The show blends hyper-local crime reports, political commentary, and cultural critique, delivering a raw, provocative take on America's soul.
In this clip from Episode #985 of The Clay Edwards Show (05/22/25) Nationally, Edwards passionately discusses President Trump's Oval Office confrontation with South Africa's president over alleged genocide against white farmers. He critiques mainstream media for dismissing Trump's claims as “unfounded,” presenting videos and articles to support the allegations and highlighting racial tensions. Edwards connects this to broader themes of media bias and societal fatigue with racial narratives, advocating for transparency and accountability.
Nationally touring bassist and vocalist currently performing with country superstar Kenny Chesney. She has over two decades of experience both on the road and in the studio and has worked with bands of all musical genres from rock to pop, blues, funk, bluegrass, country and Americana. She has toured with Hank Williams, Jr., Radney Foster, Bonnie Bishop, Holly Williams and Louise Mandrell. Splitting her time between her hometown of Austin, Texas, and Nashville when she's not on the road with Kenny Chesney, she continues to tour and do session work with various artists around the country.
Gwenda, short for Gwendoline, convinced her father to let her go into the circus as long as she got an official job or "booking." She did not want to get a traditional job such as working in the postal service, as her father had dreamed she'd do.Gwenda and her mother were very very close but unfortunately her mother died way too early.In spite of her parents, Gwenda became a Catholic. She fell in love with Stephen's father who was Italian and catholic.Well he had already abandoned the Catholic church by the time they met, but she was certain she could convince this enthusiastic atheist to come back to the church. And she was a success on both fronts. Stephen did not enjoy his experience being raised in the Catholic church and schools. As a young boy Stephen struggles with anxiety, stealing from local vendors, fights and more. Gwenda was a storyteller and that's one of manny gifts she gave to Stephen. Years later when Stephen was teaching Mindfulness lessons she came to some of his teachings.Stephen left home in order to find himself. This journey had experiences of exploring Catholicism, Marxism, drugs, Buddhism, Mindfulness, compassion and more.Years later while raising her children, Gwenda used the expression "never mind" when Stephen would come to her hurt or upset. She was say "never mind" and offer a smile and have them move on. Stephen was looking for more than that from his mother.My guest trained as a Buddhist Monk in the Tibetan tradition for eight years. To this day he still uses and teaches his practice and he enjoys applying his practice to real life situations and can help others without them knowing it's a Buddhist technique. I was looking for something but more importantly I was leaving behind stuff, everything," Stephen explains. Stephen asked his mother years later, why she hadn't protected him more from his father when he was younger . "She was angry at me for asking that, she was angry at herself. She thought she'd done what she could. She was protecting herself as well."After reading Stephan's first draft of his book, "The Novice, Why I Became a Buddhist Monk", Gwenda said "Don't you think it would have been nice if we'd listened to you a little more when you were young?" Stephen got very emotional. Their relationship changed so much for the better after that. She was acknowledging that they could have done more. That was what I wanted to hear.Gwenda had a big heart. Bio:Stephen has a fascinating story that could offer a unique perspective. His journey, shaped by both his mother and his unconventional upbringing, has deeply influenced his life and work. Growing up in a challenging environment, Stephen learned lessons from his family and from overcoming obstacles, which he now shares through his coaching and mindfulness framework. His story isn't just about overcoming adversity but also about the lessons learned along the way, including how his relationship with his family, especially his mother, shaped his journey to becoming a Buddhist monk and later a TEDx speaker.I believe his experiences of both struggling with and learning from his upbringing would provide a heartfelt and insightful conversation for your listeners, touching on themes of resilience, personal growth, and how those early life lessons shaped the person he is today.BOOKS:The Novice-Why I Became a Buddhist Monk, Why I Quit & What I Learned By Stephen SchettiniIt Begins Silence-the art of mindful reflection-Al Practical Guide to Meditation based on the teachings of theHistorical Buddha By Stephen Schettini Instagram:https://www.instagram.com/the.innermonk/Facebook:https://www.facebook.com/stephen.schettini.3/LinkedIn:www.linkedin.com/in/schettiniYouTube:https://www.youtube.com/@theinnermonkX: Stephen SchettiniWEBSITE: THEINNERMONK.COM (https://schettini.com/) "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother
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. 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