Podcasts about neighbors

Fined for standing early… Smokey Robinson counter sues… Costner sued for violent rape scene… CosMcs closing… Best Burger Chains according to Yelp… Email: ChewingTheFat@theblaze.com Den of Thieves 2 Pantera… Dept Q drops today… MobLand / Friends and Neighbors have been good… Hacks re-upped for new season… Paramount Global / CBS / Trump Lawsuit… www.blazetv.com/jeffy Promo code: Jeffy… Who Died Today: Harrison Ruffin Tyler 96 / Ed Gale 61 / Ena Hartman 93 / Don't remember Dan August / Scott Klingenbeck 54… NBA / NHL playoff update… Edgar Winter thoughts… Joke of The Day… Learn more about your ad choices. Visit megaphone.fm/adchoices

The Memorial Tournament Preview | Rory or Scottie for Player of the Year? | PGA Championship Recap | PGA Tour News & MoreThe Birdies & Bourbon team is heading to the Memorial Tournament Presented by Workday this week to as we continue the journey of the 2025 season. We discuss in detail the best picks, sleepers and more. Who is the hottest golfer in the world right now? Is Scottie Scheffler ready to defend his title? Is it Viktor Hovland that can take the title? We'll discuss some early bets as we gear up for the PGA Championship. We chat through Jon Hamm's new show Your Friends & Neighbors. There are some good watch scenes in the show and certainly some key nice country club themes. We discuss the show and other watchables on the air. Mobland is another show we are getting into currently with Pierce Brosnan and Tom Hardy. Apparel for the show provided by turtleson. Be sure to check them out online for the new season lineup at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://turtleson.com⁠⁠⁠⁠⁠⁠/⁠⁠⁠⁠ Thanks to Fantasy National Golf Club for providing the stat engine for the show. They can be found at ⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasynational.com⁠⁠⁠⁠⁠⁠⁠⁠ The Neat Glass. Be sure to check out The Neat Glass online at ⁠⁠⁠⁠theneatglass.com⁠⁠⁠⁠ or on Instagram @theneatglass for an improved experience and use discount code: bb10 to receive your Birdies & Bourbon discount. Thank you for taking the time listen to the Birdies & Bourbon Show for all things PGA Tour, golf, gear, bourbon and mixology. Dan & Cal aim to bring you entertaining and informative episodes weekly. Please help spread the word on the podcast and tell a friend about the show. You can also help by leaving an 5-Star iTunes review. We love to hear the feedback and support! Cheers. Follow on Twitter & Instagram (@birdies_bourbon)

“Your Friends and Neighbors” and the Perils of the Rich-People-Suck Genre.

Degens Andy S and Brandon Bombay overdo it on shrooms while trying to impress a bunch of frat bros at a party before discussing, 'Neighbors.' Andy starts off the episode with a bang, literally, by recalling the time he put on a giant fireworks display on a Fourth of July party that wound up lighting himself, and his property, on fire. Then the guys talk about one of the last great studio parties that has stood the test of time. The central theme is about handling the stress of transitioning into a new phase of your life, and the fellas discuss how parent party culture has changed in recent years. That leads to a tangent about pregnancy, and more specifically the boys' love for preggo boobs. One of the film's funniest moments revolved around the always terrific Rose Byrne having her overstuffed mammaries milked in "udderly traumatic" fashion. Aside from that drop in the bucket scene, the movie is light on female nudity, but heavy on dong humor. Including Dave Franco being able to control when he wants to be engorged. There's also ample shots of Zac Efron shirtless, and the flick does a good job of addressing his otherworldly hotness, while also letting his underrated comedic chops shine. Crank up the volume on this episode and have your neighbors call the police with a noise complaint. 

In this Money Talks: Hillary Frey joins Emily Peck to discuss the kind of rich people that populate the Apple TV+ show Your Friends & Neighbors, Jon Hamm's Don Draper-esque charm, and whether there's any real point to having a murder plot line.  Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Money Talks: Hillary Frey joins Emily Peck to discuss the kind of rich people that populate the Apple TV+ show Your Friends & Neighbors, Jon Hamm's Don Draper-esque charm, and whether there's any real point to having a murder plot line.  Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Money Talks: Hillary Frey joins Emily Peck to discuss the kind of rich people that populate the Apple TV+ show Your Friends & Neighbors, Jon Hamm's Don Draper-esque charm, and whether there's any real point to having a murder plot line.  Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Money Talks: Hillary Frey joins Emily Peck to discuss the kind of rich people that populate the Apple TV+ show Your Friends & Neighbors, Jon Hamm's Don Draper-esque charm, and whether there's any real point to having a murder plot line.  Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

On May 15, 2025, Tenelle Winmore had one of the best days of his life — he had just graduated with his Masters of Art in Teaching from St. Louis University. The next day, he watched a peach tree get pulled out of his backyard from an EF3 tornado. The storm tore through areas of St. Louis County, St. Louis and the Metro East — including the Fountain Park neighborhood in north St. Louis that Winmore calls home. He shares what it's been like to repair his home, assist his neighbors, clean up debris and attempt to return to a sense of normalcy.

Over the weekend Jed's neighbors were going a little hard when came down to the Memorial Day festivities. But he had to call the cops on them... twice?!

Etiquette, manners, and beyond! This week, Nick and Leah are enjoying a well-deserved break, but they'll be back next week with an all-new episode. In the meantime, here's one of their favorite episodes from the archives in which they tackle crashing White House weddings, stealing flowers from neighbors, charging phones in public, and much more. Please follow us! (We'd send you a hand-written thank you note if we could.) Have a question for us? Call or text (267) CALL-RBW or visit ⁠ask.wyrbw.com⁠ EPISODE CONTENTS AMUSE-BOUCHE: Judith Martin and the Nixon Administration A QUESTION OF ETIQUETTE: Repetition QUESTIONS FROM THE WILDERNESS: Is it OK for my neighbor to take flowers from my yard without my permission? Is it rude for a woman to keep eating after her partner has finished? VENT OR REPENT: Blocking traffic, Charging phones CORDIALS OF KINDNESS: A custom t-shirt, A nice email THINGS MENTIONED DURING THE SHOW ⁠Judith Martin: In defense of ‘women's pages'⁠ ⁠A fan's FSR t-shirt⁠ YOU ARE CORDIALLY INVITED TO... ⁠Support our show through Patreon⁠ ⁠Subscribe and rate us 5 stars on Apple Podcasts⁠ ⁠Call, text, or email us your questions⁠ ⁠Follow us on Instagram⁠, ⁠Facebook⁠, and ⁠Twitter⁠ ⁠Visit our official website⁠ ⁠Sign up for our newsletter⁠ ⁠Buy some fabulous official merchandise⁠ CREDITS Hosts: ⁠Nick Leighton⁠ & ⁠Leah Bonnema⁠ Producer & Editor: ⁠Nick Leighton⁠ Theme Music: ⁠Rob Paravonian⁠ ADVERTISE ON OUR SHOW ⁠Click here for details⁠ TRANSCRIPT ⁠Episode 194 Learn more about your ad choices. Visit megaphone.fm/adchoices

Joey & Mulv wrap up the season with a review of City's win away at Fulham on the final day.  The boys take a quick stab at a season summary, and a look ahead to the summer and new season.

Bill Frost (CityWeekly.net, X96 Radio From Hell), Tommy Milagro (SlamWrestling.net), and special guest star Melissa Merlot (The IG) talk Mountainhead, Bad Thoughts, The Secret Lives of Mormon Wives, the rise of Zombie Cable, Love Hotel, Selling SLC, Welcome to Wrexham, Amazon stops The Wheel of Time, Rasslin' News, the second coming of Duck Dynasty (go 'Murica!), The Secret of Skinwalker Ranch (again), Owen Wilson's Stick, The Killer Clown: Murder on the Doorstep, Resident Alien, Goodnight and Good Luck: Live on CNN, The Tony Awards, What to Watch Harder: Severance, Murderbot, Love Death + Robots, Your Friends & Neighbors, The Studio, Hacks, The Last of Us, and more.Drinking: White Peach canned cocktails and Viennese Amber Lager from OFFICIAL TV Tan sponsors Sugar House Distillery and Bohemian Brewery.* Yell at us (or order a TV Tan T-shirt) @TVTanPodcast on Threads, Bluesky, Facebook, Instagram, or Gmail.* Rate us: Spotify, Apple Podcasts, YouTube Music, YouTube, Amazon Podcasts, Audible, etc. 

This week Andrew and Ted sit down and discuss the Tom Segura / Netflix original series "Bad Thoughts". This dark comedy / satirical sketch based series, for better or worse, takes an unexpected look into entertainment based scene scenarios that we've seen in other vehicles. In addition, Andrew and Ted touch on a couple of Apple TV series, "The Studio" and "Friends and Neighbors".

Send us a textThis week we need talk Greece, News, Diddy, Survivor, Hacks, The Studio, Forever, Overcompensating, Secret Lives of Mormon Wives, Motorheads, Your Friends and Neighbors, Welcome 2 Wrexham, Nonna's, Sullivans Crossing, Happy Face and SO MUCH MORE

Apple TV's "Your Friends and Neighbors" co-star Lena Hall -Lena Hall on Working with Jon Hamm: “He's so good-looking, but I play his little sister.  I can't look at him that way!”

(00:00-6:51) Mount Rushmore of Madonna songs. That Your Friends & Neighbors is kind of a cuck sitch. Lern and Rafe are in full support of hot wifing. Martin forgot about his Battlehawks responsibilities.(6:59-22:37) Drops of the Week. MLB Network audio talking about the Cardinals trading Nolan Arenado to the Cubs. Flag Day. The Midday Grind. Cardinals rivalries over the years.(22:47-35:47) A run on charcuterie. STL Starter Packs with a gem this morning. Audio of Mad Dog unhappy with Tyrese Haliburton. Knicks and Pacers tonight. Audio of the Hurricanes fans booing their team after the first period last night. SHOOT THE PUCK.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(00:00-25:26) Jackson's a little flustered this morning. The Amazing Kreskin. One strike and you're out policy on F bombs. Martin swore on the radio doing a Dick Ford impression. "Good evening, I'm Van Tieu." AJ Clemente. Tim loves that TikTok. Spamming the text inbox. Bullish on the surprise guest. Does Frank Haith get you going? Glorious forecast for The Dotem next week. Doug's traffic issues on 270.(25:34-50:46) One name artist music theme. Panthers skull pounding the Hurricanes. 14 straight conference finals losses for Carolina. Rod the Bod is out of Jackson's Mount Rushmore. Recommended reading from Katie Woo. Cardinals 13th in attendance. Cardinals making an effort to bring in younger fans. Petey Pablo. Release the Hoosier. People volunteering to be the first Hoosier.(50:55-1:22:33) Jon from New York is on the Surprise Guest Line. Still getting over the Blues loss. Setting the record straight on what happened at the Knicks game. Rooting for the Chiefs at the Super Bowl. His friendship with Paul Rudd. On the cover of GQ. Your Friends & Neighbors. Trying not break with Kristen Wiig in Bridesmaids. Some cinephile questions from Jackson.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

En nuestro episodio 349 Vanesthy y El Watcher conversan sobre la notica de que Alex Garland dirigirá la película "Live-Action" de "Elden Ring" (2022) para A24, el anuncio de que el estreno de las películas "Avengers: Doomsday" y "Avengers: Secret Wars" se atrasó para el 18 de diciembre del 2026 y el 17 de diciembre del 2027 y los anuncios de el "cast" de la película "The Hunger Games: Sunrise on the Reaping", dialogan sobre su experiencia viendo "Escape at Dannemora" (2018) y la primera temporada de "Your Friends & Neighbors" (2025) en el segmento "Wachin' con Wacho!" y hablan sobre todo lo relacionado a el sexto episodio de la segunda temporada de "The Last of Us" (2023) titulado "The Price".¡Se la diferencia en la vida de los niños de la Fundación de Niños de Puerto Rico! Aporta con tu donativo aquí: https://www.extra-life.org/participant/Cultura-Secuencial-2025¡Subscríbete a nuestro canal de YouTube! Visita: https://www.youtube.com/culturasecuencial¡Síguenos y Suscríbete a nuestro canal de Twitch! Visita: https://www.twitch.tv/culturasecuencial¡Síguenos en Instagram! Visita: https://www.instagram.com/culturasecuencial¡Síguenos en Facebook! Visita: https://www.facebook.com/CulturaSecuencial

Bar Crawl Radio is back at the West Side Community Garden talking with UWSers helping those in need on the Upper West Side of Manhattan.Wendy Straus and BCR producer Alina Larson talked about their work for Open Hearts Initiatives and Pastor K [Karpan] told us about his Church on W. 86th Street. These two UWS organizations are doing in many programs to help our recent migrants from around the world looking for a safe place to be free and complete their dreams and homeless. Hosted on Acast. See acast.com/privacy for more information.

Victor and Sona discuss the somewhat disappointing penultimate episode of the season. As the cops close in on Coop, Mel has a very public meltdown of her own. How does this set up the stakes for the finale? I guess we will wait and see. mailto:needssomeintroduction@gmail.com 00:00 Introduction and Episode Overview 01:33 Quick Episode Recap 06:29 Episode Breakdown Begins 49:30 Possible Murder Theories and Finale Speculation 1:05:30 Closing Thoughts: The Knicks, Mission Impossible and Sirens     

God's good and acceptable and perfect will, believe it or not, awaits your willingness (Rom 12:1-2). 

We have had many discussions about The Texas Chainsaw Massacre on our humble little podcast. In recent months, we have also talked a lot about Osgood Perkins. We never thought the two of them would come together. The rumor is that may be happening. The question becomes, is that a good thing?We are big enough to admit when we are wrong. Last week, we correctly predicted that the new Final Destinations movie would be number one a the box office. In doing so, we were very dismissive of the franchise. We referred to it as second rate and its box office success would be due to there being little competition. As it turns out, Bloodlines is not only the most successful installment in the series; it is the top grossing horror movie of the year. That being said, we have still have yet to hear anyone say it is their favorite horror franchise.Bad neighbors suck. Yes, there are some things that you learn to put up with it and being to not even care all that much about. But when you have those neighbors that seem to have a complete disregard for you, it can make coming home hell. And if you happen to be the one causing the problems, dealing with police, the people you upset, and retaliation can also be a pill.Restless is a British psychological thriller that sees a woman unravel due to one such neighbor. A mix of great sound design, surprising moments of humor, and great storytelling will catch audiences off guard. It is a basic and relatable story that makes for an enjoyable watch.The Surrender may not be as relatable, but it also boasts strong performances and writing. The tale is one as old as horror. A family conducts a ritual to bring a recently deceased love one back to life. Naturally, it is not as simple as it sounds. And even though the plot may be familiar, it is also not as simple as it sounds. Adventures in Movies! is a part of the Morbidly Beautiful Podcast Network. Morbidly Beautiful is your one stop shop for all your horror needs. From the latest news and reviews to interviews and old favorites, it can be found at Morbidly Beautiful.Adventures in Movies! is hosted by Nathaniel and Blake. You can find Nathaniel on Instagram at nathaninpoortaste. Blake can be found on Twitter @foureyedhorror and on Instagram at foureyedhorror. You can reach us personally or on Twitter @AdventuresinMo1.Music in the background from https://www.FesliyanStudios.com

News Whip: California home prices hit a new record high. Spain Orders Airbnb to Take Down 66,000 Rental Listings. Partially popped corn nuts. Irvine 2nd best parks in the NATION! // Queen Mary summer series! // Westwood residents fed up! Residents have seen public urination, drug activity, intruders climbing over fences and breaking into the home, squatters, possible prostitution and massive piles of garbage outside the property. Neighbors outraged as L.A. ‘Hell house' #Westwood #Prostitution #viral // Group calling on LAUSD board to bring police back on campuses. Student at Valenica H.S. arrested in connection to explosion in Plum Canyon. Investigation into Palisades fire that it may have been started by reignited ember. #PalisadesFire #Fireworks #LAUSD #Campuspolice #RefundPolice  

Send us a textNBC decides not to cancel the office after season 1 based on an early rendition of The 40-Year-Old-Virgin. This gets us into a conversation about Steve Carell. Renowned for his early career, what has he done over the last 5 years?  Where do we feel Carell is best?ESPN finally announces that it will offer a separate streaming option for its channel. What is the price? Most importantly, is the price WORTH it? What recently does ESPN really bring to the table?At 62 years old, Conan O'Brien is making a comeback. One of us does not agree…. It does start the conversation however. Which other stars in the past have had a resurgence later in their career?BRITISH CORNER: Rhea reviews the second season of the Australian crime drama “Black Snow”PLUS: Angelo tells us why you have to watch Nathan Fielder in “ The Rehearsal". He also goes into Seth Rogen's “The Studio”, Jon Hamn's “”Your Friends and Neighbors”, and MORELISTEN NOW to stay up to date on all you need to know regarding the latest and greatest in television and the big screens.MAKE SURE TO VISIT OUR SPONSOR: Steven Singer Jewelers!The TV Show is a weekly podcast hosted by Jay Black, with regular guests Angelo Cataldi and Rhea Hughes. Each week, we dive into the new Golden Age of Television, with a discussion of the latest shows and news. 

 A daily non-partisan, conversational breakdown of today's top news and breaking news stories Headlines: – Welcome To Mo News (02:00) – Trump Pressures House GOP To Fall In Line On Tax Cut Bill (06:00) – Israel's Allies Condemn Expansion of Gaza War (16:45) – Trump To Announce $25B Funding for Golden Dome Project (25:20) – New Orleans Jail Employee Arrested, Accused Of Helping Mass Escape of Inmates (27:20)– Home Depot CFO Says Retailer Doesn't Plan To Raise Prices Due To Tariffs (29:40) – Spain Blocks More Than 65,000 Airbnb Holiday Rental Listings (32:00) – How Connected Do Americans Feel To Their Neighbors? (34:10) – On This Day In History (37:00) Thanks To Our Sponsors: – Boll & Branch – 15% off, plus free shipping on your first set of sheets – ZocDoc - Book Top-Rated Doctors  – LMNT - Free Sample Pack with any LMNT drink mix purchase – Sonic Power - 20% off | Promo Code: MONEWS – Surfshark - 4 additional months of Surfshark VPN | Code: MONEWS – Industrious - Coworking office. 30% off day pass – Athletic Greens – AG1 Powder + 1 year of free Vitamin D & 5 free travel packs

This week on the Worn & Wound podcast, Zach Kazan is joined by Zach Weiss and Devin Pennypacker to catch up on some of the watches they've spotted in recent TV and movies. The inspiration for this podcast is a recent article by Zach Weiss in which he points out the blatantly fake watches used in Your Friends and Neighbors, currently airing on Apple TV+. Zach takes us through not only the mistakes made in this show, but a possible error in Sinners, still in theaters, and a famous shot in Breaking Bad where a character uses a chronograph in a way that we're pretty sure nobody ever has. The group also chats about some notable watch spotting in other recent films and TV shows, including The Last of Us, Thunderbolts (sort of), and even Saturday Night Live.To stay on top of all new episodes, you can subscribe to The Worn & Wound Podcast on all major platforms including Apple Podcasts, Stitcher, Spotify, and more. You can also find our RSS feed here.And if you like what you hear, then don't forget to leave us a review.If there's a question you want us to answer you can hit us up at info@wornandwound.com, and we'll put your question in the queue. Show Notes Bad Actors: Watch Errors on the ScreenOnce Upon a Time…in HollywoodConan O'Brien and echo/neutraGreater Than Death | Inhuman Nature

Michael sits down with Laura Silver, Associate Director at the Pew Research Center, to unpack the state of trust and neighborly connections in America. Drawing on the latest 2025 Pew survey data, they explore whether Americans still trust most people, know their neighbors, or engage in simple acts of kindness like watering plants or making small talk in a grocery store. From the decline of local media to the rise of digital isolation, this episode covers why Americans report more willingness to help others than they expect in return, and what this says about the social fabric of the country. Is it a crisis of connection? Or a misperception of division? Tune in to find out—and maybe be inspired to knock on a neighbor's door. Original air date 19 May 2025.

Wood discusses online and soc media's "Black Fatigue" thing, questioning if it's really a rejection of certain aspects of Black culture. A good, informative interview of Lanny Smith, the founder of the Actively Black apparel brand, on Jemele Hill's Spolitics podcast changed Wood's stance "wearing Black." A few series have been getting pushed through the IAP queue of late with AppleTV+ dominating the rotation. Wood shares some thoughts on two seasons of Shrinking, Dope Thief, Jon Hamm's Your Friends & Neighbors, plus shares his final praises on the series finale of Bosch Legacy (Prime Video).

In today's episode the boys talk the news, and how much it sucks. We figure out we sold something for once, and we already regret it, and then Money Mike drops some surprising news that he is SELLING not buying something for once. Ken is “sabotaging” his neighborhoods, and Ben spends the Night with Evan and Can't keep up. Enjoy! Take advantage of Ridge's once-a-year Memorial Day Sale and get UP TO 40% Off right now by going to https://www.Ridge.com/WIDEOPEN #Ridgepod #ad  Get up to $200 off Square hardware when you sign up at https://www.square.com/go/ WIDEOPEN! #squarepod #ad Sign up for a $1 per month trial at https://www.shopify.com/wideopen Rula patients typically pay $15 per session when using insurance. Connect with quality therapists and mental health experts who specialize in you at https://www.rula.com/wideopen #rulapod #ad Follow us on Instagram @cboystv and @lifewideopenpodcast To watch the podcast on YouTube: ⁠⁠⁠⁠https://bit.ly/LifeWideOpenYT⁠⁠⁠⁠ Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠https://bit.ly/LifeWideOpenWithCboysTV⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠https://bit.ly/LifeWideOpenWithCboysTV⁠⁠⁠⁠ You can also check out our main YouTube channel CboysTV: ⁠⁠⁠⁠https://www.youtube.com/c/CboysTV Learn more about your ad choices. Visit podcastchoices.com/adchoices

On today's podcast I sit down with Jared Van Hees to talk about Vitalize seed company. We dive in to what Vitalize offers food plotters and best practices when putting in plots for whitetail hunting. This episode speaks to the poor man food plotter to the guy who puts in multiple acres to make their property the best it can be. Enjoy. . . . Promo Codes: Latitude Outdoors: thefall Americas Best Bowstrings: TFP Helix Broadheads:TFP Faceoff Ebikes: TFP Asio Gear: FALL20 . . . Partner Websites: Jays Sporting Goods - https://www.jayssportinggoods.com/ Helix Broadheads - https://www.helixbroadheads.com/ Latitude Outdoors - https://www.latitudeoutdoors.com/ Garmin Bow Sights - https://www.garmin.com/en-US/c/outdoor-recreation/sportsman-and-tactical-devices/ Prime Archery - https://www.g5prime.com/ Asio Gear - https://asiogear.com?utm_source=pro&utm_medium=fall Faceoff Hunting Ebikes - https://www.faceoffebikes.com/ Michigan Buckpole - https://mibuckpole.com/ Vitalize Seed Company - https://vitalizeseed.com/ Don't forget to check out the Fall Podcast Youtube channel for new content. Subscribe to the channel as well. Thank you. https://www.youtube.com/channel/UCWSCcGJeHHxejFXBZAO83QA For updates from The Fall Podcast: The Fall Podcast on Instagram - The Fall Podcast The Fall Podcast on Facebook - The Fall Podcast Facebook The Fall Podcast Youtube Channel - The Fall Podcast Youtube Channel Subscribe and Rate us on Itunes: SUBSCRIBE to The Fall Podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Joey & Mulv review City's defeat in the FA Cup Final. Again.

Today, Karen González and I talk about practicing generosity without a savior complex. Karen González (she/her) is a speaker, writer, storyteller, and immigrant advocate, who herself immigrated from Guatemala as a child. Karen is a former public school teacher and attended Fuller Theological Seminary, where she studied theology and missiology. For the last 17 years, she has been a non-profit professional. She wrote a book about her own immigration story and some of the immigrants found in the Bible: The God Who Sees: Immigrants, The Bible, and the Journey to Belong (Herald Press, May 2019). Karen's second book is Beyond Welcome: Centering Immigrants in our Christian Response to Immigration (Brazos Press, October 2022). She also has bylines in Sojourners, Christianity Today, The Christian Century, and others. Karen lives in Washington DC with her cats, Oscar and Trudi.You can follow Karen on Instagram @_karenjgonzalez. Her books, Beyond Welcome and The God Who Sees, are available wherever you get books. Here's the link to the Substack piece Karen and I discussed at the top of the episode, "At Home in My Country." Join the Found Family crew over on Substack and get your Found Family Cheat Sheet! Support the show

Kirt & Mr. Sal discuss Season 1 Episode 7 of Your Friends and Neighbors in which Elena involuntarily shares her fries. Shoe Hammer some Show Hoppers into your day! Youtube: https://www.youtube.com/channel/UCJb6TAVe_sYmo4G7lAfEYtg Website: showhoppers.com Show Hoppers Twitter: @ShowHoppers Mr. Sal Twitter: @ShowHoppersSal e-mail: showhopperspodcast@gmail.com

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.    

Knicks, Diddy, Brand & Monica, Raising Kanan, Forever or Netflix, Hacks, Your Friends & Neighbors...

Welcome to another installment of Fratello On Air. This week, we respond to a listener's request for a strap episode. Today's show covers how to choose, which brands we enjoy, and pairing specific watches. Enjoy it! For our listeners, the watch content begins after approximately 21 minutes.There's no other way to put it — Balazs is a strap monster! His Watch Strap Review articles are legendary and quite literally span the globe, as far as covering different makers. Comparatively speaking, Mike is a novice, but he's learned a few tricks from the master. Today, we address the topic from many angles.HandgelenkskontrolleWe kick off the show with some news about local London watch events from Fears and Vacheron Constantin. Regarding TV, Your Friends & Neighbors has started well and offers some watch-related content. For the Handgelenkskontrolle, Mike is wearing his trusty Patek Philippe Calatrava 570 after forgetting to wear a watch during a recent watch event. Balazs is sporting his bulletproof G-Shock GW-B5600-2ER with Bluetooth.Picking the right strap and more!Our listener Alex asked many questions about one of the most important accessories, the watch strap. In this episode, we discuss our favorite brands, including GLC, Gabarro, Delugs, Atelier Romane, and more! Different leather types, styles, and buckles also surface during the conversation. We mention that there's no such thing as a good, dirt-cheap leather strap, but that a good accompaniment doesn't have to cost a fortune. Finally, we respond to Alex's question about pairings with the Tudor Submariner 94010 "Snowflake" and a modern 42mm Zenith Chronomaster.We hope you enjoy today's show and look forward to bringing you more content next week. As always, if you have ideas for future episodes, please let us know!

Kirt & Mr. Sal discuss Season 1 Episode 7 of Your Friends and Neighbors in which Christian asks for the syrup. Shoe Hammer some Show Hoppers into your day! Youtube: https://www.youtube.com/channel/UCJb6TAVe_sYmo4G7lAfEYtg Website: showhoppers.com Show Hoppers Twitter: @ShowHoppers Mr. Sal Twitter: @ShowHoppersSal e-mail: showhopperspodcast@gmail.com

Join host Jen Josey on the Real Estate Investor Growth Network podcast as she dives deep into the crucial role of geotechnical and forensic engineering with expert Mike Simpson. Learn about why every badass investor should introduce themselves to neighbors, strategies for reducing renovation complaints, and the importance of building goodwill in the community. Mike shares insights from his extensive career, including his work in disaster relief for FEMA, the types of settlements, and real-world examples of working with homeowners and investors. Equip yourself with essential knowledge on identifying structural issues, the impact of water on properties, and when to call an engineer. Don't miss out on this invaluable advice for safeguarding your real estate investments!   00:00 Introduction to REIGN 01:01 Today's Badass Topic: Meeting the Neighbors 03:15 Interview with Mike Simpson: Engineering Insights 04:34 Mike Simpson's Career Journey 05:00 Understanding Geotechnical Engineering 15:14 Real-World Engineering Challenges 22:40 Bad News Doesn't Get Better with Time 22:56 Identifying Structural Issues in Real Estate 24:21 When to Call a Geotechnical Engineer 24:47 Understanding Cracks and Settlement 26:00 Advice for New Real Estate Investors 27:07 Garage Slab Cracks and Repairs 28:49 Fixing Major Cracks in Concrete 30:28 Engineering Advice and Mentorship 31:52 Personal and Professional Aspirations 32:02 The BADASS Acronym Explained 38:59 Daily Habits for Success 39:53 Defining Success and Final Thoughts   Michael R. Simpson, MBA, PE, is a distinguished Civil/Geotechnical Engineer with over 30 years of experience, specializing in forensic and geotechnical engineering, with a focus on residential home foundations. As a founder of Desert Foundation Forensic Engineering, he applies his extensive expertise to deliver expert witness testimony and forensic evaluations, helping homeowners address foundation failures and home movement with cost-effective, tailored solutions. A registered Professional Engineer since 1997, Michael has spearheaded multimillion-dollar projects, including leadership roles in designing geotechnical remedies for complex foundation and retaining wall challenges. His federal tenure includes serving as FEMA's Infrastructure Branch Directorate Chief in Puerto Rico (2018-2021), where he provided geotechnical guidance for billion-dollar disaster recovery efforts, and earlier contributions to post-Hurricane Katrina infrastructure rebuilding in New Orleans. Renowned for his proficiency in soil engineering, deep foundation design, and expansive soil remediation, Michael drives resilient, data-informed solutions for clients.  Social Media Links: LinkedIn:  Michael Simpson https://www.linkedin.com/in/michael-simpson-734298251/    Desert Foundation Forensic Engineering: https://www.linkedin.com/company/desert-foundation-forensic-engineering/   Website: https://www.desert-foundation.com/   To learn more about Jen Josey, visit www.TheRealJenJosey.com To join REIGN, visit www.REIGNmastermind.com Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby

Many of us have political biases. We can lean hard one way or the other. It take a person of extremely respectable character to throw out your bias in order to make a proper judgement of another person. Today's guest is exactly that type of person. Justice Scott Field serves as a Justice on the 15th Court of Appeals for Texas. We hope that you can gain insights from the way that Scott's faith has influenced his life and career. 

As we continue our verse-by-verse series through the Gospel of John, Pastor Matt teaches from John 11:45-57. In a world chasing convenience and control, the Gospel calls us to courageous surrender—stepping into God's redemptive story to bring hope to our neighbors, cities, and nations.

Welcome back to The Core podcast! Join Jimmy and Kathleen as we break down episode 7 of "Your Friends and Neighbors". Our boy Coop is in deep, how will he get out of this?!?!? Check out our other coverage below!!! DARK & TWISTED (Dexter: Original Sin, The White Lotus, Yellowjackets) - ⁠⁠⁠⁠Dark⁠⁠⁠⁠ ⁠⁠⁠⁠& Twisted!⁠⁠⁠⁠ BINGE EMPIRE (The Last of Us, The Wheel of Time) - ⁠⁠⁠⁠Binge⁠⁠⁠⁠ ⁠⁠⁠⁠Empire!⁠⁠⁠⁠ UNREAL Reality Podcast (The Traitors) - ⁠⁠⁠⁠Unreal!⁠⁠⁠⁠ FINAL FORM (Solo Leveling, Invincible) - ⁠⁠⁠⁠Final Form!⁠⁠⁠⁠ More BingetownTV Content!  ⁠⁠⁠⁠Check Out Our Podcast on Youtube! ⁠⁠⁠⁠ ⁠⁠⁠⁠Check Out Our Youtube Entertainment Channel! ⁠⁠⁠⁠ ⁠⁠⁠⁠Join the BingetownTV Community Discord (FREE)⁠⁠⁠⁠ Follow us on Socials!  Instagram- ⁠⁠⁠⁠https://www.instagram.com/bingetowntv/⁠⁠⁠⁠ Twitter/X - ⁠⁠⁠⁠https://twitter.com/bingetowntvpod⁠⁠⁠⁠ TikTok- ⁠⁠⁠⁠https://www.tiktok.com/@bingetowntv?_t=8gdE279ReTm&_r=1⁠⁠⁠⁠ Support the Pod! Patreon- ⁠⁠⁠⁠www.patreon.com/bingetowntv⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tootsie Roll. Morons in the News. Australian Soda.   The People’s Movie Critic: “Your Friends and Neighbors” Everyone Needs a Laugh.   Talkback Callers. Can You Believe This? G’Mas Snuff.   The Zippy Zodiac. From the Vault.

Jo and Rob decide if Coop is losing it as they recap the sixth and seventh episodes of ‘Your Friends and Neighbors.' (0:00) Intro (6:01) The bender (7:33) Is Coop losing his cool? (16:23) Art henchmen (19:43) Hunter and Tori (23:23) Likable characters (40:35) Coop voiceovers Email us! prestigetv@spotify.com Subscribe to the Ringer TV YouTube channel here for full episodes of ‘The Prestige TV Podcast' and so much more! Hosts: Joanna Robinson and Rob Mahoney Producer: Kevin Pooler Additional Production Support: Justin Sayles Learn more about your ad choices. Visit podcastchoices.com/adchoices

This past week has given Melanie and me plenty to talk about: Caroline Shankle graduated from A&M, Alex Hudson traveled to Japan, and Hazel had a whole vet exam in the back of my car. Life comes at you fast, friends. In addition to all of that, there have been some college baseball developments. For better or worse. We also discuss what we've been watching (of course), and it's Melanie's turn for Five Favorites. Enjoy, everybody! - Join Us on Patreon - Our Amazon Shop - 2025 Graduation Gift Guide - San Antonio Live Show (10/23/25) tickets are on sale now! Show Notes: - Gate 12 in College Station - "Firm Foundation" by Cody Carnes - the outfit I want Caroline to have for her Europe trip - the crypt of the Capuchin monks - "Missouri loves company" on TexAgs - Texas A&M softball #1 national seed - 14 SEC teams in NCAA Softball tournament - Mississippi State's Evan Siary SEC Pitcher of the Week - the best of the baseball uniforms - The Four Seasons on Netflix - A Deadly American Marriage on Netflix - Your Friends & Neighbors on AppleTV+ - Poker Face on Peacock - the 1981 version of The Four Seasons on Netflix - L'Oreal Lumi Glotion (here's the brush for application, too) - Oribe dry texturizing spray - colorful dainty chain - Boden Clara shirt dress - TKEES Jo metallic sandals  Sponsors: - Boll & Branch - use this link for 15% off plus free shipping - Alloy - use this link for a fully customized treatment plan and $20 off your first order - Thrive Causemetics - use this link for 20% off your first order - Trust & Will - use this link for 20% off

7am- Meet the Neighbors, El Cheapo and MORE full 2125 Thu, 15 May 2025 15:51:18 +0000 A5yIbw7OQIsocab1iwUibxMHLP1qxSqN society & culture Klein/Ally Show: The Podcast society & culture 7am- Meet the Neighbors, El Cheapo and MORE Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=

Seth takes a closer look at Trump holding a rambling press conference where he defended accepting a blatantly corrupt gift from a foreign country and talked about his decision to de-escalate his trade war against China.Then, Olivia Munn talks about how she celebrated Mother's Day, finding out that the name she gave her daughter was actually her mom's made-up nickname and the success of her series Your Friends & Neighbors.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mission: Impossible - The Final Reckoning First Thoughts! | Kristian Harloff Show w/ Roxy Striar & John Rocha Today on The Kristian Harloff Show, hosts Roxy Striar and John Rocha dive into the first reactions to Mission: Impossible - The Final Reckoning! Is this the epic finale fans have been waiting for? We also break down the first look at Nicolas Cage as Spider-Noir, confirmed in a new teaser! Plus, huge casting news from the Marvel universe: Neve Campbell has officially been confirmed to voice Polaris in X-Men '97 Season 2, according to ComicBook.com. What could this mean for the direction of the animated series? Other headlines include: • Live-action He-Man set photos reveal Teela's debut "Creed" gets a spin-off TV series titled Delphi Roxy's weekly TV picks: Your Friends and Neighbors, Andor, The Last of Us, The Rehearsal, Conan: The Mark Twain Special, and Hacks Don't miss Rocha's epic 63 Superchats from yesterday-will he top that today? Subscribe for more breaking movie news, TV reviews, and exclusive commentary every week! #KristianHarloff #MissionImpossible #NeveCampbell #XMen97 #SpiderNoir #RoxyStriar #JohnRocha #TVTalk #MovieNews #Creed #HeMan #Polaris #MarvelNews #NicolasCage #FinalReckoning  SPONSORS: RIDGE WALLET: Upgrade your wallet today! Get 10% Off @Ridge with code KRISTIAN at https://www.Ridge.com/KRISTIAN #Ridgepod HYDROW: Skip the gym, not the workout—stay on track with Hydrow! For a limited time go to https://www.hydrow.com and use code KRISTIAN to save up to $475 off your Hydrow Pro Rower during Hydrow's Memorial Day Sale!  CASHAPP: Download Cash App Today: https://capl.onelink.me/vFut/76rlxe00 #CashAppPod *Referral Reward Disclaimer: As a Cash App partner, I may earn a commission when you sign up for a Cash App account.