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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

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.

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.

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.

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.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the market clawing its way back from drops earlier in the year, the importance of creating a financial plan from a fee-only fiduciary, and the uncertainty over President Trump’s budget bill. And as always, Terry answers all of your financial questions.

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

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss her latest column addressing stock market volatility and advising people who are close to retirement to know what they own in the market and decide what to do with their investments. Savage warns that market uncertainty should be a concern for those who are […]

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

Vince Coglianese, KCMO Midday and Nationally Syndicated Host | 5-19-25See omnystudio.com/listener for privacy information.

Mamba Hot Sauces Review with Big Liquor Mamba Hot Sauces Extravaganza  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! We are coming to you from the studios of the Bloody Mary Concert …

Canadian farmland rental rates remained relatively stable in 2024, despite another significant rise in land values, according to a report from Farm Credit Canada (FCC). Nationally, the average rent-to-price ratio, which measures the return on rented land relative to its market value, dropped slightly to 2.50%, nearly unchanged from 2.52% in 2o23. This indicates that rental rates haven't kept pace with the 9.3% increase in farmland values recorded over the previous year. The report, which focuses on cash rental agreements, shows regional differences in rental markets across Canada. In Saskatchewan and New Brunswick, rental rates have adjusted more quickly to land value increases. Other provinces saw little to no change in rental prices.

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Co-Hosts: Ben Criddle (@criddlebenjamin)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

Rents rose for the third straight month in April, but softening demand signals caution ahead. Meanwhile, active listings in Washington, D.C. surged 25%—the biggest jump on record—driven by federal layoffs. In this episode, we unpack what's happening in the rental market nationally and why D.C. could be a preview of broader housing market shifts. Read the rent report here: https://www.apartmentlist.com/research/national-rent-data Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Join host Andrew McLain and the Over The Line Podcast crew, featuring John Bird and Tony Gump, for an unfiltered, hilarious take on today's wildest topics!

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the recent stock market rebound, the importance of knowing what you own, and if she believes there will still be some disruption in the economy. Terry also answers all of your financial questions.

The details of the 2022 Ukraine/Russia conflict change minute by minute and hour by hour.  What's difficult for  my guest and her 80 year old mother,  Mariyka, to understand is how shocking this event is. Here we are in the 21st century, and Ukraine is under attack.  Certainly not plausible, but clearly possible. What makes this all the more difficult is the fact that Anya and her mom have many relatives still in the Ukraine today.  They've set up group chats on their phones to make sure that they can all stay in touch with updates regarding their safety and where-a-bouts.The rich Ukrainian culture has played a significant role in my guest's life.  She attended the Ukrainian Cultural Center of NJ in Whippany, as a child growing up. She and her sibling, studied the language, traditions, history, etc. Anya also raised her own children  with the same ideation that their Ukrainian culture was very important and they too had to learn and understand the significance  of these traditions.  In 1949, Mariyka's  family was sponsored by a German family and they were able to move to the US. However,  they moved to Wisconsin.  They often felt isolated. There was no family close by, yet they held on to their values, language and traditions. It was vital that they remember all that they had been through and because of their beliefs and strength they survived.On the contrary, Anya's father, as a child moved directly to the lower east side of Manhattan with his family and were immersed in a rich Ukrainian culture 24/7. They had full support from their neighbors and community which helped them overcome their longing for their homeland.The same patriotism  still exists today as it did long ago, when both mom and dad arrived in the United States and held utmost respect and longing for Ukraine. That's why Anya says of her relatives still in Ukraine today, "they are scared but there is not a single doubt in their minds that they need to stay. They love their country and they will fight to defend it."  They large family photo is from a 2011 trip to Ukraine with her mother and children to visit part of their immediate family still living there.After working decades in Corporate America, at JP Morgan, Anya now works at a benchmarking organization helping businesses grow at The Learning Forum. Currently, she is on the Board of Directors for the Ukrainian Cultural Center as well  as fulfilling her role as Administrative Director at the School of Ukrainian Studies.The Ukrainian American Cultural Center just outside Morristown, NJ  (https://uaccnj.org/)is accepting donations for their humanitarian drive to send much needed supplies to Ukraine. You can find the full list of goods, including nonperishable food, clothing, blankets, warm clothing, etc at the link above. Anya ended this episode with a phrase that Ukrainian's are repeatedly using "Glory to Ukraine. Glory to the heroes."Thank you for listening and thank you for contributing to aid the Ukrainians.    "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 her time in Washington D.C. learning about cyber-scams and AI. She previews her upcoming column addressing internet scams and the quantity of devices connected to the internet; the total now exceeds more than the number of people on the planet.

Mother's Day May 11Davina Rae Hot Sauce Review 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! We are coming to you from the studios of the Bloody Mary Concert Series. We are …

Happy Thursday! Here's a quick look at our top local stories for Thursday, May 8. Find these articles and much more in Thursday's paper and online at https://www.iolaregister.com/.

Segment 1: Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the Fed’s interest rate decision, the impact of tariff policy on the economy, the nation running up its credit card debt, the latest on Social Security clawbacks, the Trump administration garnishing wages of 5.3 million defaulted student loan borrowers this summer, and why […]

Randee and her mom are very close. They have a wonderful relationship and Randee says "she's my best cheerleader."  A lot of that has to do with the honesty and open communication that they had from the very beginning-"adoption was normal, not a stigma, not a tragedy."  Also, Randee learned at a young age that just because you are blood related doesn't guarantee you a loving relationship.Lois was definitely a role model to Randee. But Randee also feels that she learned from things that Lois did and didn't t do and then would form her own opinions. Randee had the luxury of knowing that her mom "always had my back.".Unfortunately, growing up in the 70's, Randee's parents divorced and her mom went to work. She was able to get contract work, writing and editing government contracts. It was a stressful time for Lois, but she made the best of it. For example, her office didn't have a window, so she decided to put a picture of a window up on the wall. That made it feel so much better."The Only Songs We're Singing," was released April 2025 and "Leave No Trace" will be released August 2025.In “The Only Song Worth Singing”, the power of friendship is one of the major themes blended with myth and the power of music. Imagine Irish folklore combined with mysticism – makes for a magical read.She's also written Amazon Bestseller, Tune in Tomorrow and co-wrote the popular, The Law & Order: SVU Unofficial Companion and co-edited, Across the Universe: Tales of Alternative Beatles.Randee Dawn's Bio:Randee Dawn is a Brooklyn-based author and journalist focusing on speculative fiction across the categories (science-fiction, fantasy and horror) at night, while writing entertainment and lifestyle stories during the day for publications including Today.com, NBCNews.com, Variety, The Los Angeles Times and Emmy Magazine.You may have seen my name in other publications over the years, including Soap Opera Digest and The Boston Phoenix, E! Online, New Musical Express and Mojo. I contributed to a French book about American television, Les Series Tele and co-authored (with Susan Green) The Law & Order: SVU Unofficial Companion.I've got a fair amount of short fiction in anthologies, and authored the short story/poetry compilation Home for the Holidays. I'm currently  represented by Bridget Smith at JABberwocky Literary Agency, and I frequently appear at conventions and workshops on panels and to give readings.My first novel, Tune In Tomorrow, was published by Solaris/Rebellion in 2022. Arc Manor will publish my next two novels in 2025: The Only Song Worth Singing (April) and Leave No Trace (August).My degree in broadcast journalism from Boston University is occasionally useful, though I'm pleased to have a paralegal certificate from New York University.Currently, I reside with the love of my life and an adorable West Highland Terrier (who is also quite lovable). No, I don't have a fox, but if you want to meet a fox like this, JAB Canid Education and Conservation Center can help.  More information about Randee. https://creativecoachingpartners.newzenler.com/ WEBSITE: https://randeedawn.com/https://www.facebook.com/AuthorRandeeDawnhttps://bsky.app/profile/randeedawn.comhttps://www.instagram.com/randeedawn/https://www.threads.net/@randeedawnhttps://www.tiktok.com/@randee.dawnhttps://randeedawn.com/https://randeedawn.com/appearances/https://creativecoachingpartners.newzenler.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

Here's what to expect on the podcast:When Jim realized his own purpose and how it changed his life.Jim's mission with high school students and young adults.The importance of sharing your story and how writing a book can help amplify it.Key takeaways from Jim's workshops.Tips for keeping a marriage strong and avoiding divorce.And much more! About Jim:Jim Hetherington, a renowned Life and Business Breakthrough Specialist, dedicates himself to empowering individuals and partners to achieve unparalleled success in life and business.His 34-year journey as a mentor, 30 years as an entrepreneur and business owner, and 23 years as a pastor uniquely qualify him to address a broad spectrum of relationship topics.Nationally and internationally, organizations frequently invite Jim to share his insights. As a five-time author, major networks like NBC, ABC, and Fox have spotlighted his expertise.Jim passionately advocates for the possibility of attaining success both in professional and personal realms, including business careers and romantic relationships. He doesn't believe in choosing one over the other but rather achieving success in both. Jim guides individuals through a comprehensive journey encompassing four critical areas: relationships, physical wellness, business/career development, and spiritual growth.Additionally, as an author, speaker, mentor, and publisher, he actively supports entrepreneurs in their journey towards successful authorship. Connect with Jim Hetherington!Website: https://jimh360.com/LinkedIn: https://www.linkedin.com/in/jim-hetherington-a9b3b0137/Instagram: https://www.instagram.com/jimhetheringtoncoaching/Facebook: https://www.facebook.com/JimHetherington360YouTube: https://www.youtube.com/channel/UCdIK5UnX6CGDeg-NJ1_XTNQJim Hetherington - Life and Business Breakthrough SpecialistZoom email - jimhetheringtoncoaching@gmail.comThe 5 Pillars Transformational Blueprint: https://5xmastery.com/the-five-pillars-blueprintYour Relationship Roadmap Vol. 2: https://www.yourownroadmap.com/optin----- If you're struggling, consider therapy with our sponsor, BetterHelp.Visit https://betterhelp.com/candicesnyder for a 10% discount on your first month of therapy.*This is a paid promotionIf you are in the United States and in crisis, or any other person may be in danger -Suicide & Crisis Lifeline Dial 988----- Connect with Candice Snyder!Website: https://www.podpage.com/passion-purpose-and-possibilities-1/Facebook: https://www.facebook.com/candicebsnyder?_rdrPassion, Purpose, and Possibilities Community Group: https://www.facebook.com/groups/passionpurposeandpossibilitiescommunity/Instagram: https://www.instagram.com/passionpurposepossibilities/LinkedIn: https://www.linkedin.com/in/candicesnyder/Shop For A Cause With Gifts That Give Back to Nonprofits: https://thekindnesscause.com/Fall In Love With Artists And Experience Joy And Calm: https://www.youtube.com/@movenartrelaxation

Our next guest is a Nationally touring comedian that is funny as hell & certainly has a quick wit and cutting roasts as well as having a lack of fear of what comes out of her mouth! We discuss the PC culture of being funny, but also putting together material. Let's welcome Ms. Maddy Smith!Maddy SmithIG: https://www.instagram.com/SomaddysmithWebsite: https://maddysmithcomedy.com/Crazy Train RadioFacebook: facebook.com/realctradioInstagram: @crazytrainradioX/Twitter: @realctradioBlueSky: @crazytrainradio.bsky.socialWebsite: crazytrainradio.usYouTube: youtube.com/crazytrainradio

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the next phase of tariffs, when we will truly feel the impact of tariffs, GDP declining in the first quarter, if we are headed to a recession, and what we should be doing with our money in uncertain times.

Patrick shares stories of his mother and her ability to light up a room whenever she walks in. "She's always herself," beams Patrick. Patrick attributes, her sense of humor to her brothers and he says "she's a little butch, not too feminine."  And all of that and more makes him love his mother even more. "She unadulterated herself. She never code switches or changes her behavior depending on the crowd. She always her most authentic self."Eight years of piano lessons was tough for Patrick. He didn't like the repetitive method that his teacher was using and he was bored. His mom eventually had to ground him for not practicing. But that's when he started exploring with little chunks, the melodies, the notes, breaking things down, playing them backwards and forwards until he absolutely fell in love with playing the piano. Patrick claims that his mom "gave him that space to be able to do that and what a privilege." He also admits that his ADHD was most likely a big part of the problem and today, finds great relief by taking a prescribed medication. Patrick's philosophy "even though life around you is chaos, you can still find an inner calm/inner peace, and my mom has that in spades. She can re-infect a room with her vibrancy so easily.She walks into a room and it lights up.""My mother knows that she's infectious around everybody else and so she's able to kind of manipulate that too to better suit the environment a little bit. She thinks everyone should be themselves, most authentically all the time.Below is the first first email response that I got from Patrick having asked if he'd be interested in joining me on SHLTMM."Hey Jackie. Thanks for reaching out! I love this concept for a podcast. My story fits perfectly for this since she's been a freelance true crime documentary writer for decades and she allowed me to feel confident in that space, just seeing her succeed and talking about the struggles in that space. I had a good role model. And also… she was the one who grounded me if I didn't practice piano lol, and now I'm a professional pianist so… I owe it to her for a lot of who I am today 

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the latest numbers showing that consumer confidence is the lowest since 2011. Then, Savage shares her thoughts on when the effect that tariffs have on US companies and their consumers will be felt. And, as always, she answers questions from listeners.

No one is coming to save you.It's time to begin thinking about our current war as a struggle that could last a generation or longer. Like trench warfare in WWII, sometimes progress looks like advancing mere feet forward and battling for months over a single strategic objective. We have fights to win politically, culturally, personally, and ecclesiastically, and none of them will be easy.When it comes to the political, we talk about politics frequently but we often don't dive into the strategy, practicals, and mechanics of how politics works. Why is that? Well, in a word, localism. See, the biggest impact most of us can have is actually not at the Federal level. We only have 1 president, 50 senators, and 428 federal representatives, and billions of dollars are poured into influencing those races. But while a House Representative race may cost $2.8 million to run on average, most STATE representative races cost barely 1/10th of that.In short, you are going to be able to have a lot more impact LOCALLY than you will NATIONALLY. You need to be thinking State, not Federal; County, not Country; and Town, not City.This episode is brought to you by our premier sponsors, Armored Republic and Reece Fund, as well as our Patreon members and donors. You can join our Patreon at patreon.com/rightresponseministries or donate at rightresponseministries.com/donate.Tune in today for your 2026 midterms game plan. Let's dive in.MINISTRY SPONSORS: Armored Republic: We make Tools of Liberty for the defense of every free man's God-given rights. https://www.ar500armor.com/ Private Family Banking How to Connect with Private Family Banking: FREE 20-MINUTE COURSE HERE: View Course Send an email inquiry to chuck@privatefamilybanking.com Receive a FREE e-book entitled "How to Build Multi-Generational Wealth Outside of Wall Street and Avoid the Coming Banking Meltdown": protectyourmoneynow.net Set up a FREE Private Family Banking Discovery call: Schedule Here Multi-Generational Wealth Planning Guide Book for only $4.99: Seven Generations Legacy Squirrelly Joes Coffee – Caffeinating The Modern Reformation Get a free bag of coffee (just pay shipping): https://squirrellyjoes.com/rightresponse

12 - The White House is displaying photos and mugshots of illegal migrants deported by ICE with the crimes they committed listed underneath. Is it playing politics or showing the American people what they've accomplished? 1205 - Side - all time cover-ups 1215 - We listen to Tom Homan taking over Karoline Leavitt's press conference with facts on these deportations. 1220 - Columbus Day is back to being Columbus Day! Your calls. 1230 - Nationally acclaimed trial lawyer and litigator George Bocchetto joins us. Was George a boxer? Why was the Columbus statue removed and why was the Italian voice in Philadelphia seemingly ripped away? Will we ever see the Rizzo statue again? Is it in good shape? How integral was George to the process of getting it back? 1245 - Where should the Rizzo statue land? 1250 - Does Saquon need to apologize for golfing with Trump?

12 - The White House is displaying photos and mugshots of illegal migrants deported by ICE with the crimes they committed listed underneath. Is it playing politics or showing the American people what they've accomplished? 1205 - Side - all time cover-ups 1215 - We listen to Tom Homan taking over Karoline Leavitt's press conference with facts on these deportations. 1220 - Columbus Day is back to being Columbus Day! Your calls. 1230 - Nationally acclaimed trial lawyer and litigator George Bocchetto joins us. Was George a boxer? Why was the Columbus statue removed and why was the Italian voice in Philadelphia seemingly ripped away? Will we ever see the Rizzo statue again? Is it in good shape? How integral was George to the process of getting it back? 1245 - Where should the Rizzo statue land? 1250 - Does Saquon need to apologize for golfing with Trump? 1 - Director of Delaware County's National Day of Prayer Gabrielle Bruno joins us today to discuss this year's event! How many Italian attorneys do we have on the Dom Giordano Program? How many people will show out to Rose Tree Park and what kind of amenities will be there? 110 - If you want to win elections in Philadelphia, can you be in cahoots with talk radio? 120 - Has Bill Belichick lost a step? Is he tarnishing his legacy with how this CBS interview went down? 135 - Congressman Jeff Van Drew joins the program today. How was President Trump looking in his most recent meeting with him? How does Jeff and the President handle being constantly hounded by the media and protestors alike? What is the line to draw for Medicare/Medicaid recipients? What other waste can we look to remove? How is the elimination on tax on tips and overtime working out? We react to Jalen Hurts not visiting the White House. Always looking to the future! 145 - Is it a bigger distraction for the Eagles now that Jalen Hurts is not going to the White House? 155 - Touching on Hurts to wrap up the hour. 2 - Scott Presler joins us again for his weekly installment on voting enrollment numbers. How is Allegheny County's numbers comparable to what Philadelphia has done in the last week? How has plastic bags unlocked a new way to enroll voters? What event in Camden County would Scott like to promote? Anything exciting coming to Bucks County? 215 - Dom's Money Melody! 230 - 78th Treasurer of the Commonwealth of Pennsylvania Stacy Garrity joins us from the White House. How do we feel about Jalen Hurts skipping out on today's festivities? How bad was the budgeting in the Department of Revenue and what needs to be done at an agency level? Will we see Universal School Choice in Pennsylvania soon? How can Stacy do more in Philadelphia? 240 - Your calls. 250 - The Lightning Round!

Tacos Tuesdays Hot Sauce 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! We are coming to you from the studios of the Bloody Mary Concert Series. We are being fueled by Lake …

Parts of the U.S. are an eco-disaster, a sacrifice zone. Take Newark, NJ. If you travel down a one-mile stretch of Doremus Avenue in Newark you pass a natural gas plant next to a sewage treatment facility next to an animal fat rendering plant next to a series of ominous-looking chemical storage containers behind acres of fencing. Airplanes pass overhead every two minutes, their engines rattling windows, while a putrid smell wafts from the open pools at the sewage treatment plant. Nationally, where are these polluters located? Overwhelmingly in poor communities of color like the Ironbound section of Newark where activists are organizing and fighting back to create a just, vibrant and sustainable community.

Multifamily operational performance remained steady from the prior week and showed no signs of demand being impacted by headlines about the economy.Nationally, effective rents were up 1.0% from the prior year and the average occupancy rate was just under 93.7%.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the latest in financial news. Savage reviews the volatile state of the stock market, the trade war with China, and student loan borrowers.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the market swings the last few days, the damage that has been done to America’s standing in the world, and what this could mean for the markets and the economy overall. And as always, Terry answers all of your financial questions.

SHLTMM CAN NOW BE HEARD ON YOUTUBE:YOUTUBE CHANNEL LINK: https://www.youtube.com/channel/UCoUWxgQECqrMqI1ylVH9DpwAs I mention in the introduction of my show, Gramps Jeffrey, I believe is the first grandfather I've interviewed on SHLTMM, so that's pretty great. I was so happy to hear how engaged he is with his grandchildren.Gramps' mother's name was Faye  and she really left quite an impression on him and his brother.  Faye was the youngest of 3 children, with two older brothers. Growing up during the Depression and  WWII, known as The Greatest Generation, was a very challenging time, "and my mother lived up to every expectation", continues Gramps.  While raising her two boys, she  insisted they turn off the tv and read-no if, ands or buts. "We loved our mother," says Gramps, referring to him and his brother. They grew up in a small town in Ohio, about 50 miles outside Columbus,  where they were free to play outside and knew when to come home in time for dinner. He had relatives nearby as well, including  lots of love and support from his grandmother and uncle.Gramps brags, "mom always had a positive attitude.  Her glass was always half full  and she was always looking at the 'bright side of life."  That philosophy  and her passion of reading certainly influenced Gramps and his interest in writing.  It's clearly stayed with him even today because he continues to write and read to  his 6 grandchildren."Mom would remind us regularly that we were very fortunate and had a good life, but that we can't forget other people. This world is hard and she knew it," remarks Gramps.  Faye had learned many life lessons from her paternal grandmother who lost her husband suddenly when he was only 49. She was left  to raise her  children  on her own, including Fay's dad. She also raised her nephew who had also lost his parents. But her grandmother was always smiling regardless of her hardships.Gramps Jeffrey is very concerned about the different parenting styles  today. Most concerns him most and feels is most important for every child is 'one on one attention' from the parent. Gramps feels so blessed to have had such a devoted mother, and hopes that parents still take the time to put the phone down, turn the computer off and just sit and read or spend that precious time with your children. Gramps' mom gave him such a sense of security. "We could always go home and feel secure, you felt love, you felt protected," remarks Gramps about his mom. One of his mom's favorite quotes was "when you love, you will teach others how to love."Gramps Jeffrey is truly committed to sharing this message. He's got every little child on his mind in hopes that they get all the loving that they truly deserve.Gramps Jeffrey is his pen name. His real name is Marc Joseph. Here is a link to his LinkedIn profile:https://www.linkedin.com/in/marcjoseph/Reviews of I Don't Want to Turn 3Here are links to the site, Facebook, LinkedIn, Twitter, Instagram, Pinterest and the book on Amazon and Barnes & Noble:https://grampsjeffrey.com/https://www.facebook.com/Author-Gramps-Jeffrey-102652905388092/https://www.linkedin.com/in/gramps-jeffrey-3b022b214/https://twitter.com/AuthorGrampshttps://www.instagram.com/authorgrampsjeffrey/https://www.pinterest.com/hellogrampsjeffrey/_created/ Firebird Book Award WinnerMom's Choice Award Winner   "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

Hosts: Rusty Cannon and Greg Skordas  As the stock market swings up and down, threats of tariffs abound, and overall consumer sentiment wanes, it’s called into question the health and stability of the economy. Uncertainty about federal policymaking has contributed to a flight out of the U.S. dollar in recent weeks as well. With all of this in mind, what is the state of the economy – globally, nationally, and here in Utah? Mary C. Daly, President of the Federal Reserve Bank of San Francisco joins to share some perspective. 

Dave Ramsey and his team are coming to the Valley with their Money & Relationships Tour. Dave joined the show to talk about it plus some money tips along the way. 

Oklahoma City Thunder podcast host for the Locked On Podcast Network joined JR to discuss if he was surprised with the Thunder's 51-point victory over the Grizzlies in Game 1, what makes this team so good, the leadership from Isaiah Hartenstein, why he believes OKC is overlooked nationally and if the Thunder should be considered the favorites to win the NBA Finals.

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!  11 new listeners from the UK  We are coming to you from the studios of the Bloody Mary Concert Series. I'm being fueled by …

It was such a pleasure to speak with Dani. She's wonderful and has accomplished and overcome quite a bit thus far in her life. And a lot of that has to do with her mother. It took Dani many, many years to figure out what her real connection was with her mother. Was it love? Was it control? Dani was convinced it was love. Even Dani's girlfriends were convinced that she and her mother had the most special relationship and were even a bit jealous of what these two woman had- what looked like a very special bond.Dani was always there for her mother. Very protective of her, always there by her side should she need anything. If she hadn't heard from her mother within a certain amount of time, Dani would worry.  If she said the wrong thing, Dani would worry.Here's a little bit of what Dani wrote to me about her relationship with her mother, prior to our recorded  conversation."I'm the way i am because of her. I'm everything she wasn't and still of cuz I find her in me, her fears, her narrative, her internalized voice that speaks to me with grim predictions whenever things go really great for me.I wrote a whole book about me and my mom called "mutterseelenallein" which is a wonderful german word and means something like "lonelier than alone." Like when you find a kitten in the middle of the forest with no mum but as well as no one else around."Mutterseelenallein" was how my mom and I both felt, while she in fact was given away by her mother in 2nd world war and i had my mom always around like an emotional absent dissociated shadow that lived by my light.My mom was scared and depressed and my sole purpose was to make her happy. She was very generous when it was about sweets and bedtime but i had a massive price to pay: My self, that i had to surrender to her.  She was so close that she suffocated me and at the same time she never was there.""I didnt realize till puberty when i started to become my own person what my mom couldn't handle. As long as I was an extension of herself everything was good, but by the slightest sign of separation, she started to become ugly. Emotional blackmailing, blame shifting and the sad realization that no matter what, I could never make her happy...which i tried until the day she died. Missing out to build my own family as she was my sole responsibility. She became the bitter and hateful, jealous of every move I made, every success I celebrated...she talked my victories small, told me I'm too messy or to fat..no man would ever want me."Such powerful words to describe a very complex relationship, especially for a young daughter who trusted her mother implicitly.There's so much more to this story. And the great news is that Dani has accomplished so much in her life. She says she loves her mother regardless of how hurtful she was. She a psychotherapist who's loves helping others and is able to help her patients because she is living proof that you can always turn your life around for the better.As narcissitic as Gabriel was, Dani has learner and voiced her opinion about the significance of raising our children to be able to leave home/the Mother Ship as a teen or in their young adult prime. "The bravest thing  to do is teach your kids to separate."Dani uses her bold and dynamic design choices to lift her internal vibrations, to make her happy and feel alive and appreciate all of her talents regardless of how her mother tried to control her and keep her self esteem bleak. (Tinzeltowndesign)Brava Dani and I can't wait to meet you in person either in Germany or  The Bohoho in South Africa.*Mutterseelenallein" is a German word meaning "utterly alone" or "completely isolated". It translates literally as "mother's souls alone," but the actual meaning is an extreme sense of loneliness, as if even one's mother has abandoned you. The phrase has a more inteFrom Goodle-Definition of "Mutterseelenallein:"   "Tinzeltown, a high-concept project development and interior design firm redefining "content creator spaces." Known for bold, immersive interiors, Gottschalk's landmark project, The Bohoho in Camps Bay, South Africa, recasts 1960s Palm Springs glamour with striking hues and retro-Hollywood flair—offering an Instagrammable haven that blends luxury and creative freedom for travelers and creators alike.Articles-https://www.telegraph.co.uk/travel/destinations/africa/south-africa/cape-town/bohoho-villa-influencers/https://visi.co.za/colourful-camps-bay-villa/ All Social Media Links:Instagram: tinzeltowndesign, thebohohoFacebook The BohohoLinkedIn Daniela Gottschalk The Bohoho Camps Bay-The Bohoho-Boutique Hotel South AfricaStay@thebohoho.comdanibohoho@gmail.comwwwthebohoho.comwww.tinzeltown.comWEBSITE: https://thebohoho.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

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! 80 New Listeners in California! We are coming to you from the studios of the Bloody Mary Concert Series. We are being fueled by …

04-08-25 - Followup From WWBD Rivalry Couple - Hot Bus Stop Girl Confirms John's Theory Something Must Be Wrong w/Her - Watching Lori Vallow Case Seeing That It's Not Bigger Nationally Because She's Not Attractive On TVSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tens of millions are being spent. Donald Trump, Jr. and Gov. Tim Walz (D-Minn.) are holding rallies for their preferred candidates. It's the kind of thing seen for statehouse or congressional races — not necessarily state supreme court elections. We look at Wisconsin's upcoming state supreme court election, and why it is getting so much national attention. This episode: senior White House correspondent Tamara Keith, senior political editor and correspondent Domenico Montanaro, and Wisconsin Public Radio capitol reporter Anya van Wagtendonk.The podcast is produced by Bria Suggs & Kelli Wessinger and edited by Casey Morell. Our executive producer is Muthoni Muturi.Listen to every episode of the NPR Politics Podcast sponsor-free, unlock access to bonus episodes with more from the NPR Politics team, and support public media when you sign up for The NPR Politics Podcast+ at plus.npr.org/politics.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy