Podcasts about new york

The White House faces mounting scrutiny over a second lethal strike on a suspected drug vessel, even as President Trump and his national security team escalate preparations for potential U.S. action in Venezuela. FBI Director Kash Patel is pushing back hard against a new negative report from anonymous agents in an AM Update exclusive. Accused killer Luigi Mangione is in a New York courtroom seeking to suppress key evidence, including items found in his backpack and statements made before Miranda warnings, in the assassination of UnitedHealth CEO Brian Thompson. Geviti: Go to https://gogeviti.com/megyn and get 20% off with code MEGYN.Lean: Visit https://BrickhouseSale.com for 30% off  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's been nearly two months since the fragile ceasefire agreement between Israel and Hamas went into effect. The ceasefire is intended to be the first phase of an overarching plan to bring peace to the region after two years of war. But the next steps in the plan seem murky at best. Over the weekend, the Washington Post reported that countries that had planned to deploy troops to Gaza to keep the peace as part of an International Stabilizing Force have backpedaled on their commitments. Meanwhile, Gazans are continuing to struggle – reeling from massive flooding and increasingly cold weather. For more on the current conditions in Gaza, we spoke with Mohammed Aklouk, a coordinator for the Norwegian Refugee Council who lives in Gaza with his family.And in headlines, Luigi Mangione's lawyers attempt to get key pieces of evidence thrown out in his New York state trial, a federal court rules that Alina Habba has been serving unlawfully as New Jersey's top federal prosecutor, and Indiana Republicans continue their push to assist President Donald Trump's calls for partisan gerrymandering.This holiday season, gift someone a Friends of the Pod subscription or treat yourself. Learn more at crooked.com/friends. Subscribing is the best way to support independent progressive media.Show Notes:Check out the Norwegian Refugee Council's work – www.nrc.no/Call Congress – 202-224-3121Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8What A Day – YouTube – https://www.youtube.com/@whatadaypodcastFollow us on Instagram – https://www.instagram.com/crookedmedia/For a transcript of this episode, please visit crooked.com/whataday Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There is no doubt in my mind that we, as a nation (and, across the world) are facing a moral confusion if not a complete moral crisis. And, unless righteous, bold men step up to the plate, we'll continue to see the moral decay of everything we love from our favorite institutions, to our families, and our neighborhoods, and even the threat of losing this great nation. That isn't hyperbole. Today, I am joined by John Lovell, founder of Warrior Poet Society and former Army Ranger to discuss what we as men can do about it. We talk about mercy and justice (and, how to satisfy both), why we should hate injustice, the dangers of communism and socialism, why we must unite behind Truth (with a capital T), why "happiness" is inferior to "joy," and why we should pursue peace if possible but truth at all costs. 00:00 - Introduction & Catching Up 01:20 - Why John Wrote "The Lions of Mercer" 03:49 - Justice, Fiction, and Catharsis 07:15 - The Cry for Justice 08:07 - Modern Culture and Victimhood 08:51 - Loving the Good vs. Hating the Evil 11:44 - Redemption, Failure, and Public Dogpiling 13:01 - Loyalty, Forgiveness, and Standing by Brothers 16:14 - What Is "The Good"? 18:27 - Justice, Mercy, and the Role of Christ 20:15 - Judgement, Hypocrisy, and Accountability 23:07 - Integrity and Personal Alignment 24:39 - Happiness vs. Joy 26:39 - Teaching Discipline and Long-Term Thinking 27:03 - You Can Only Replicate Who You Are 28:22 - Wrestling With Faith and Christianity 29:02 - The Dangers of Atheism & Moral Relativism 31:05 - America's Moral Foundation 32:42 - Who Decides Morality? 34:12 - Rise of Socialism & Cultural Rejection 35:38 - New York, Ideology, and Consequences 36:36 - Unity vs. Compromise 38:41 - What Makes Someone American? 39:58 - Parenting, Boyhood, and Raising Men 40:45 - Why Boyhood Resurrected Was Written 42:38 - Risk, Adventure, and Rite of Passage 46:14 - Finding Balance in Parenting 47:09 - Trust, Risk, and Leadership in Marriage 51:27 - Why Should Your Wife Trust You? 52:21 - Leadership, Submission, and Marriage Dynamics 55:49 - Biblical Structure for Marriage 59:04 - Loving Leadership and Wise Authority 01:00:54 - Closing Thoughts & Transition to IC Segment 01:01:15 - Where to Find John Lovell 01:02:13 - Q&A Teaser Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready  

Now wait a minute, We've been chasing this particular guest for a while, and when we finally got her in The Carriage House, we knew we'd made a great decision, excuse me. Joining us this week is the utterly delightful Mandell Maughan!  You know Mandell from shows like ME, MYSELF, AND I and RESIDENT ALIEN. And, of course, one of our favorites, BAJILLION DOLLAR PROPERTIE$. You can catch her in January in the upcoming Netflix comedy FREE BERT. Mandell helps us give advice on spending Christmas alone and how to handle a spouse who might not have the best dining etiquette. Join us for THE Ask Ronna social event of the year, LIVE and in person in New York! LONELY HEARTS LIVE is coming to the Bell House in Brooklyn on Saturday, February 7th. If you missed us in Boston, here's your chance to be part of Carriage House history. It is NOT to be missed! Tickets at askronnalive.com  Sponsor: We've said it before, but if you're looking for the best chocolate chip cookies on Earth, you'll find them at Showstopper Cookies! Go to showstoppercookies.com and use code RONNA for 20% off your order, available to be shipped nationwide! And they make for an amazing gift, pardon me. Take comfort in Born Shoes! Go to bornshoes.com and use RONNA for 15% off plus free ground shipping on all full price shoes. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Old Man and the Three is back. That's right.Cam Johnson of the Denver Nuggets has taken the OM3 seat once occupied by JJ Redick. Now Cam continues the legacy by providing the most insightful NBA player podcast in the world. Welcome to the Old Man and the Three with Cam Johnson!In this episode, Cam brings on his Nuggets teammate Aaron Gordon. They dive Aaron's career, what it's like playing with Nikola Jokic, how Aaron has evolved his skillset throughout his career and drastically improved his shooting, the young players on the Nuggets and what their future looks like, and much more. Let's go!Download the DraftKings Sportsbook app and use code TEAMTHREE. That's code TEAMTHREE, bet fivebucks and get $200 in bonus bets if your bet wins. In partnership with DraftKings—The Crown Is Yours.Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three sixnine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf ofBoot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio. Limited time offer.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When it comes to improvisational loop jams, few have gone as viral as Marc Rebillet. From his 2020 lockdown-era video “How to Funk in Two Minutes,” which features him wearing nothing but a bathrobe, to unsuspecting New York street corners, and eventually the Coachella main stage, Rebillet has come to be known as “loop daddy” for his gifted ability to harness spontaneous funk. On this episode of Switched On Pop, Charlie interviews Marc about his process, inspiration, and pandemic success, witnessing his flow state firsthand as he graces us with some live improvisation.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

(3:00) What have you seen from Norvell in 6 years that you think can be used to build a winner in 2026?(14:00) What's a restructure look like to you?(26:00) Deadline on knowing whether Gus and Tony are coming back?(31:00) Record expectations for 2026(35:00) Grade the position groups and coaches(39:00) More on Herb Hand and Mark Stoops(44:00) Generating Discussion sparked by Cummins(59:00) What could have been done to prevent these disappointments?(1:06:00) The snub and its ubiquitous and nebulous role in FSU's fortunes of lateMusic: Run The Riot - Falling Downvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollars.Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(3:00) What have you seen from Norvell in 6 years that you think can be used to build a winner in 2026?(14:00) What's a restructure look like to you?(26:00) Deadline on knowing whether Gus and Tony are coming back?(31:00) Record expectations for 2026(35:00) Grade the position groups and coaches(39:00) More on Herb Hand and Mark Stoops(44:00) Generating Discussion sparked by Cummins(59:00) What could have been done to prevent these disappointments?(1:06:00) The snub and its ubiquitous and nebulous role in FSU's fortunes of lateMusic: Run The Riot - Falling Downvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollars.Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This Tuesday on The Run-Through, Chioma Nnadi sits down with British Vogue's November 2025 cover star, Gwyneth Paltrow, to talk Josh Safdie's Marty Supreme—undoubtedly one of the most anticipated films of the year.The riveting drama, about an ambitious young table tennis player named Marty Mauser (Timothée Chalamet)—and the ever-more-egregious risks he takes to prove his, well, supremacy—co-stars Paltrow as Kay Stone, the glamorous former movie star whom Mauser romances in London, then New York. (The cast also includes Kevin O'Leary, Odessa A'zion, Fran Drescher, Sandra Bernhard, and Tyler, the Creator.)In her conversation with Chioma, Gwyneth talks about being wowed by the script, co-written by Safdie and Ronald Bronstein; feeling nervous to be on a film set again; Miyako Bellizzi's beautiful costumes; Chalamet's beautiful skin; and the kind of role that she'd be intrigued to take on next.Plus, the two talk about more great fashion moments from Gwyneth's filmography (the Calvin Klein in Sliding Doors! The Donna Karan in Great Expectations!); the wellness world's recent obsession with protein and fiber; Gwyneth's refreshing thoughts on aging (“I don't want to try to look like I'm 28 years old”); and more.  Learn about your ad choices: dovetail.prx.org/ad-choices

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

In celebration of the deluxe edition of Foreigner's fourth album, 4, we take a detailed look at how it was made. After Mick Jones broke into the music industry as a session musician while playing in multiple bands, including Spooky Tooth, he envisioned starting a new project for the songs he was writing. He recruited musicians Ian McDonald, Dennis Elliott, Al Greenwood and Ed Gagliardi before turning his attention to finding the right lead singer for the band. After recalling meeting Lou Gramm when he was the singer of the Rochester, New York band Black Sheep, Jones asked Gramm to audition in New York City. Gramm was immediately hired and the lineup was complete. They signed a deal with Atlantic Records and released their self-titled debut album in 1977, which became a big success. Their second album, Double Vision, was released in 1978 and continued their run of hit singles. For their third album, Head Games, they clashed with producer Roy Thomas Baker and the album was not as successful as the first two. Rick Wills had taken over on bass at this point and after Head Games, they decided to let go of Ian McDonald and Al Greenwood to become a four-piece. They hired producer Mutt Lange and began recording at Electric Lady Studios. Foreigner 4 was eventually released in 1981.  In this episode, Lou Gramm shares stories of growing up in Rochester, getting to see artists like Jimi Hendrix and the Rolling Stones, which went on to inspire his lyrics for “Jukebox Hero.” He describes this turning point moment for the band when they wanted to update their sound and image for the 1980s. By paring down to a four-piece and bringing in outside musicians like Thomas Dolby on synthesizers, they forged a new path forward for the band. With the help of producer Mutt Lange, they were able to focus on crafting a tight set of rock songs while exploring new sonic territory with songs like “Waiting for a Girl Like You” and “Urgent.” From long hours and late nights in the studio, to Mutt Lange's perfectionist tendencies, to Thomas Dolby's art rock approach, to Mick Jones falling in love with synthesizers, to spontaneously recruiting Junior Walker for a saxophone solo, to a mysterious muse in the studio while recording “Waiting for a Girl Like You,” to both Foreigner and Mutt Lange at the height of their powers, we'll hear the stories of how the album came together.

Dr. Jeffrey Smalldon has corresponded with some of the most infamous killers in United States history.That habit started long before he became a distinguished forensic psychologist, an expert on what makes killers tick.In his new book, That Beast Was Not Me: One Forensic Psychologist, Five Decades of Conversations with Killers, Jeff delves into his correspondence with infamous killers and figures like Charles Manson, Lynette "Squeaky" Fromme, Ted Bundy, John Wayne Gacy, and more.Get Jeff's book That Beast Was Not Me here: https://bookshop.org/p/books/that-beast-was-not-me-one-forensic-psychologist-five-decades-of-conversations-with-killers-jeffrey-l-smalldon/a4e8236eb8ace300?ean=9798986512488&next=tOr here, on Amazon: https://www.amazon.com/That-Beast-Was-Not-Conversations-ebook/dp/B0D6WPF17HCheck out Jeffrey Smalldon's email and newsletter here: https://jeffreysmalldon.com/Find discounts for Murder Sheet listeners here: https://murdersheetpodcast.com/discountsCheck out our upcoming book events and get links to buy tickets here: https://murdersheetpodcast.com/eventsOrder our book on Delphi here: https://bookshop.org/p/books/shadow-of-the-bridge-the-delphi-murders-and-the-dark-side-of-the-american-heartland-aine-cain/21866881?ean=9781639369232Or here: https://www.simonandschuster.com/books/Shadow-of-the-Bridge/Aine-Cain/9781639369232Or here: https://www.amazon.com/Shadow-Bridge-Murders-American-Heartland/dp/1639369236Join our Patreon here! https://www.patreon.com/c/murdersheetSupport The Murder Sheet by buying a t-shirt here: https://www.murdersheetshop.com/Check out more inclusive sizing and t-shirt and merchandising options here: https://themurdersheet.dashery.com/Send tips to murdersheet@gmail.com.The Murder Sheet is a production of Mystery Sheet LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the morning of January 31, 1857, the body of Dr. Harvey Burdell was discovered in his Manhattan townhouse with fifteen stab wounds, and his killer had also strangled him to guarantee his death. Suspicion quickly fell to one of Burdell's tenants, thirty-nine-year-old mother of four Emma Cunningham. A few days after Burdell's death, Emma presented herself as his wife and attempted to collect his estate worth $100,000, but before she could get her hands on the money, Emma was indicted for Burdell's murder.The coroner's inquest and Emma's subsequent murder trial dominated the front pages—and then some—of nearly every newspaper in and around New York for weeks and was the “trial of the century” long before the term was even coined. Yet as sensational as it all was, there was no physical evidence tying Emma to the crime and the prosecution's only argument was that the killer was left-handed and so was Emma Cunningham. Despite the lurid details of affairs, multiple abortions, and constant domestic violence, without evidence the jury moved to acquit Emma after deliberating for just two hours.The story should have ended with the acquittal, but Emma wasn't content to walk away with just her freedom; she still believed she was entitled to Burdell's estate, and she intended to get it one way or another. What followed was a protracted battle for Burdell's money and property that took place in the courts and the press, with a variety of antics that ranged from forging marriage documents to faking a pregnancy and even buying an infant that, when all was said and done, would end up in P.T. Barnum's sideshow.ReferencesFeldman, Benjamin. 2007. Butchery on Bond Street: Sexual Politics and The Burdell-Cunningham Case in Ante-bellum New York. New York, NY: Wanderer Press.Kappman, Edward W. 1994. Great American Trials. Detroit, MI: Gale.New York Daily Herald. 1857. "Horrible and Mysterious Murder in Bond Street." New York Daily Herald, February 2: 1.—. 1857. "The Bond Street tragedy; the close of the investigation." New York Daily Herald, February 16: 1.New York Daily Times. 1857. "The Burdell murder: Second Day." New York Daily Times, May 6: 1.—. 1857. "The Burdell murder; Dr. Carnochan's testimony." New York Daily Times, May 8: 1.New York Times. 1857. "Terrible Tragedy." New York Times, February 2: 1.—. 1857. "The Bond Street murder still a mystery." New York Times, February 7: 1.—. 1857. "The Bond-Street murder; John J. Eckel and Mrs. Cunningham indicted." New York Times, February 23: 5.Serratore, Angela. 2013. The Desperate Would-be Housewife of New York. June 13. Accessed November 13, 2023. https://www.smithsonianmag.com/history/the-desperate-would-be-housewife-of-new-york-140748/. Cowritten by Alaina Urquhart, Ash Kelley & Dave White (Since 10/2022)Produced & Edited by Mikie Sirois (Since 2023)Research by Dave White (Since 10/2022), Alaina Urquhart & Ash KelleyListener Correspondence & Collaboration by Debra LallyListener Tale Video Edited by Aidan McElman (Since 6/2025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why are so many of us drawn to horror, gore, and true crime? Why do we crane our necks to see the scene of a crash on the highway? Psychologist Coltan Scrivner says that our natural morbid curiosity serves a purpose. We talk with Coltan about our fascination with tales of murder and mayhem, and what this tendency reveals about our minds.In this episode, you'll learn:*Why there's often a surge of interest in scary entertainment after a violent or tragic incident in the real world. *The potential evolutionary roots of our curiosity about scary events or violent stories.*What researchers have found about the impact of scary movies and books on the people who watch them. *How horror content can be a vehicle for connecting with other people. *What we know about the personality traits of people who are drawn to dark and sinister stories. If you have a question or personal story related to today's episode that you'd be willing to share with the Hidden Brain audience, please record a voice memo on your phone and email it to us at ideas@hiddenbrain.org. Use the subject line "scary."  Looking for the perfect holiday present for the Hidden Brain fan in your life? We've got you covered. Give your loved one a gift membership to Hidden Brain+, or visit our online shop for t-shirts, mugs, totes, and more! Here's another idea: grab tickets for one of our upcoming live shows. We'll be in Philadelphia on March 21 and New York on March 25. Thanks and Happy Holidays!This December, Hidden Brain is proud to join #PodsFightPoverty. We're teaming up with other podcasts to raise funds to lift three villages in Rwanda out of extreme poverty. Your donation goes directly to the families who know best what they need. Visit GiveDirectly.org/HiddenBrain to make a difference for someone who needs it most. Episode image by Riswan Ratta for Unsplash+ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Meridith Baer grew up on the grounds of San Quentin prison, acted in TV and movies, wrote scripts in Hollywood … and then, at 50, started over – and built one of the best known home-staging companies in real estate.Meridith's life unfolds like a movie: As a teenager, she was forced to give up her baby for adoption. In her twenties, she was a writer for Penthouse. In her thirties and forties, she was a screenwriter in Hollywood, hobnobbing with Sally Field and dating Patrick Stewart.But in her late forties, Meridith hit a wall. Her writing career stalled, so she poured her energy into fixing up the house she was renting. When the owner sold that house almost immediately, she stumbled onto a strange new idea: why not stage homes for a living?From there, Meridith turned a few pieces of thrift-store furniture and potted plants into a full-blown business: trucks, warehouses, hundreds of employees, and high-end homes across Los Angeles, New York, Miami, and beyond. Along the way, she weathered the pressures of scaling a creative service into an operational machine—without ever raising outside capital.What you'll learn:How to reshape a career at 50 (or any age) without a master planHow Meridith priced her work based on value created, not hours workedWhy you don't always need investors to grow a multi-million-dollar service businessThe psychology of home staging: designing spaces that make buyers fall in love in the first 10 secondsHow Meridith thinks about legacy, stepping back, and seizing new opportunitiesTimestamps: 06:08 – Growing up as a warden's daughter inside San Quentin11:01 – Teen pregnancy, forced adoption, and reunion decades later12:43 – From Pepsi commercials to Penthouse magazine19:58 – Selling a major movie script, recoiling at the finished product22:47 – How a breakup with Patrick Stewart totally reshaped Meridith's life27:41 – The accidental first staging job at age 5035:17 – Early days of the business: vans, day laborers from Home Depot, and naming her price47:18 – Unexpected struggles: tax trouble, a cancer diagnosis51:07 – The business expands to New York and beyond1:00:22 – Running a 320-person company at 78—and what comes next1:05:56 – Small Business SpotlightThis episode was produced by Alex Cheng, with music by Ramtin Arablouei. It was edited by Neva Grant, with research help from Noor Gill. Our engineers were Patrick Murray and Kwesi Lee.Follow How I Built This:Instagram → @howibuiltthisX → @HowIBuiltThisFacebook → How I Built ThisFollow Guy Raz:Instagram → @guy.razYoutube → guy_razX → @guyrazSubstack → guyraz.substack.comWebsite → guyraz.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We recap our Thanksgiving Break in Fun, talk Kiffin hightailing it to Baton Rouge, general ball talk, and Dave going to the zoo. Support us on Patreon and receive weekly episodes for as low $5 per month: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.patreon.com/circlingbackpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Watch all of our full episodes on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.youtube.com/washedmedia⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shop Washed Merch: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.washedmedia.shop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • (0:00) Fun & Easy Banter • (14:15) This Thanksgiving in Fun • (33:55) Kiffin to LSU • (46:15) Ball Talk • (1:05:25) Dave Went to the Zoo Support This Episode's Sponsors: Rag & Bone: Upgrade your denim game with Rag & Bone!. Get 20% off sitewide with code STEAM at https://rag-bone.com/ #ragandbonepod Squarespace: Check out ⁠⁠https://squarespace.com/steam⁠⁠ for a free trial, and when you're ready to launch, use OFFER CODE: STEAM to save 10% off your first purchase of a website or domain. Rocket Money: Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to ⁠https://rocketmoney.com/circling⁠ today. Fitbod: Get 25% off your subscription or try the app FREE for seven days at ⁠https://fitbod.me/steam⁠ Underdog Fantasy: Download the app today and sign up with promo code STEAM to score ONE HUNDRED DOLLARS in Bonus Funds when you play your first FIVE dollars – that's promo code STEAM Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369) Learn more about your ad choices. Visit megaphone.fm/adchoices

The Sixers lost a heartbreaker to the Hawks in double overtime in the return of Joel Embiid and VJ Edgecombe. We talk about Maxey's great night, the return of Edgecombe, and good performances from Grimes and Barlow. Then we talk about the frustrating "will he or won't be play" Joel Embiid situation, and his disappointing rebounding and defense and what it means for their future. Then we meet Mike's new dog, get a frustrated email from a lister, and become a Florida State University football podcast. Donate to Helen's fundraiser here.Reserve your spot for Fly The Process New Orleans here.The Rights To Ricky Sanchez is presented by Draft Kings SportsbookAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationBecome a MortgageCS Ricky VIP at mortgagecs.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The Ricky. Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio. Limited time offer.

This week of Deck the Hallmark is presented by Racine Danish Kringles. Exclusive 10% off entire order -  www.kringles.com  // Promo Code:  HALLMARK25---The amazing Dave White joins us to break down this year's animal-themed Hallmark Christmas movie: Christmas at the Catnip Café.ABOUT CHRISTMAS AT THE CATNIP CAFÉOlivia Pierce, a marketing executive, discovers her late great aunt's cat café in New York, which she believes will be a Christmas miracle. As she helps plan fundraising events, Olivia gains a deeper appreciation for the feline inhabitants and the special place her great aunt created.AIR DATE & NETWORK FOR CHRISTMAS AT THE CATNIP CAFÉNovember 30, 2025 | Hallmark Movies & MysteriesCAST & CREW OF CHRISTMAS AT THE CATNIP CAFÉPaul Campbell as BenErin Cahill as OliviaBRAN'S CHRISTMAS AT THE CATNIP CAFÉ SYNOPSISThe movie kicks off with a TON of kittens. Suddenly, we flash back 30 years: a young Olivia is walking into her house when she hears something… could it be a cat? And that's it for the flashback—obviously, a necessary flashback.Cut to the present day. Olivia is checking out a place way out of her price range when she gets a text from a lawyer: they need to talk about her aunt's estate. She's been given half of a cat cafe. Olivia's wheels start turning—if she can convince the other owner, Ben, to sell the cafe, maybe she can afford that dream place!But Ben is no ordinary owner. He's an overly generous vet, giving pet care away for free and taking on way too many patients. The good news for Olivia: Ben never says no.She walks into the cafe, plays peekaboo with a cat, and dives straight into business with Ben. She wants him to sell. He's not having it—the cafe is very important to him and also acts as a place to get cats adopted.It turns out Ben lives right down the block from Olivia's aunt's house. He's searching for a binder about Catnip Christmas that's gone missing and is surprised to find Olivia there. She finds the binder, and he explains that Catnip Christmas was his aunt's pride and joy. He's not sure how he can manage it all on his own. Olivia offers to help—but only if he agrees not to delay the sale of the cafe.Ben says he doesn't want to sell. Olivia reminds him he can't stop the sale, only slow it down. She says she'll be all in on the project as long as he agrees to sell. He reluctantly agrees, thinking she won't actually want to move forward with the sale.Olivia quickly realizes she's in for a lot more than she expected: cat puppet shows, story time, and all sorts of festive events. Along the way, Olivia and Ben start getting closer. He even helps decorate her Christmas tree.Through a flashback, we learn that little Olivia once found a kitten outside her aunt's house. Could this cat cafe all stem from that moment?As they spend more time together, Ben opens up about feeling like life's big moments happen for everyone else—babies, milestones—and that he wants something for himself before it's too late. The sparks begin to fly, and while decorating the cafe for an event, Olivia and Ben share a big, sweet kiss.Complications arise when Olivia admits she still plans to sell—the life she has in California can't be ignored. She tells Ben it's hard because she really likes him. He reminds her that they made a deal, so he'll move forward with the sale.On her way out of town, Olivia stops at a mechanic and sees a kitten. The mechanic tells her he adopted it from this cat cafe. Olivia takes it as a sign and rushes back to the cafe—only to find the contract has already been signed with a developer. But the developer is holding a cat, so Olivia asks nicely… and he rips up the contract.Olivia is staying, and the movie ends with her and Ben celebrating—and kissing again. Watch the show on Youtube - www.deckthehallmark.com/youtubeInterested in advertising on the show? Email bran@deckthehallmark.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On May 5, 1993, three 8-year-old boys were brutally murdered in West Memphis, Arkansas. The tiny local police department launches an investigation but finds little physical evidence to lead them to a suspect. Eventually, outside pressure pushes them to charge someone with the killings, whether or not the evidence supports their conclusions.American Scandal takes you deep into the heart of America's dark side to look at what drives someone to break the rules and what happens when they're caught. In our latest series, three teenage boys are falsely accused of a vicious triple homicide, but their story doesn't end with their trials or convictions. Instead, their plight will capture the imagination of the entire country and spark a campaign for justice that will last for almost two decades. Listen to American Scandal: The West Memphis Three: Wondery.fm/AS_IFDSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

New York Magazine columnist and longtime knower of Zohran Mamdani, Ross Barkan, returns to Bad Faith alongside first time guest, Palestinian activist and founder of Within our Lifetime Nerdeen Kiswani, to discuss recent controversies around mayor-elect Zohran Mamdani following his historical win in New York. Why did Mamdani weigh in on Chi Ossé's potential primary against Hakeem Jefferies instead of sitting it out? If the DSA is concerned about divided resources, why didhe argue that now is not the right "time" for a primary on principle, and why did he go on to endorse Jefferies as Speaker of the House? What's the logic behind keeping Jessica Tisch on board -- especially after the recent ICE activity in NYC? And is Zohran's strategy of giving statements appealing to "both sides" -- criticizing an Israeli settler recruiting event at a NY synagogue while also discouraging protests outside of it -- a successful strategy, or does it simply serve to frustrate everyone? Subscribe to Bad Faith on YouTube for video of this episode. Find Bad Faith on Twitter (@badfaithpod) and Instagram (@badfaithpod). Produced by Armand Aviram. Theme by Nick Thorburn (@nickfromislands).

(3:00) The bad, the ugly from loss to a UF team that had 3 wins(7:00) FSU is in the wilderness(12:00) So trenches or QB biggest need for 2026?(25:00) We were told 2-10 predicted nothing for 2025. Now we're saying 2025 won't predict 2026?(35:00) Was this in some ways worse than 2-10?(55:00) So what's the wishlist and when should moves starting leaking out?Music - Miss Fortune: Kinda Misunderstoodvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollarsMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Our Co-Heads of Securitized Product Research Jay Bacow and James Egan discuss the outlook for mortgage rates and the U.S. housing market in 2026.Read more insights from Morgan Stanley.----- Transcript -----Jay Bacow: Jim, why did the cranberry turn red? James Egan: Please enlighten me. Jay Bacow: Because it saw the turkey dressing. Jay Bacow: I hope everybody had a good Thanksgiving. Welcome to Thoughts on the Market. I'm Jay Bacow, Co-Head of Securitized Products Research at Morgan Stanley. James Egan: And I'm Jim Egan, the other Co-Head of Securitized Products Research at Morgan Stanley. Today we're here to talk about our views from mortgage rates in 2026 and how that flows through to our U.S. housing outlook.It's Monday, December 1st at 11:30am in New York.Now, Jay, as we all get over our turkey induced naps over the weekend, how are we thinking about mortgage rates evolving in 2026?Jay Bacow: Well, as you and I discussed previously on this podcast, the Fed cutting rates in and of itself doesn't actually cause the 30-year fixed rate mortgage to come down. However, our rate strategists' forecast for lower rates in the front end should be helpful to where the primary rate ends up this year. And we would also expect some compression between primary mortgage rates and Treasury rates given our bullish outlook for the mortgage asset class. So, our expectation is that the 30-year fixed rate ends 2026 around 5.75 percent.James Egan: Alright, if we get to 5.75, maybe a little bit lower than that in the middle of next year, that's enough to send affordability into a healthier place. But that's a relative term. Affordability is still going to be under pressure, but it will have improved. And it will have improved at a pretty healthy amount from where we were in the fourth quarter of 2023, which was multi-decade levels of challenged.Jay Bacow: All right, Jim, so clearly the mortgage rate coming down does make homes more affordable, but is it enough to cause more homes to actually transact?James Egan: So, the answer is yes, but it's going to be a ‘Yes, but' answer from that perspective. We do think that transaction volumes are going to increase. But to put into context where we sit from a housing market perspective – we already saw a healthy increase in affordability from the fourth quarter of [20]23 through the end of 2024, right? But if we put that affordability improvement in context, we've seen that about 10 times over the past 40 years. The only times where sales responded more tepidly than they just did in 2025 – were in 2009, the teeth of the Great Financial Crisis; and in 2020, when the market really slowed down in the immediate aftermath of COVID. The lock-in effect is still playing a very big role. We do think that this sustained marginal improvement and affordability will help purchase volumes. But this is not what's going to get us to kind of escape velocity. We're calling for about a 3 percent growth in purchase volumes next year. Jay Bacow: Alright. Now, you mentioned this a little bit already, but if there's less lock-in because the mortgage rate has come down, will more people be willing to list their homes for sale? Are we going to get more inventory on the market? James Egan: I think that's the other piece of how we're thinking about housing moving forward. Any improvement we get in affordability from lower mortgage rates is going to be paired with increasing inventory volumes. We've already seen that. Listed inventories are up roughly 30 percent from historic lows in 2023. They're still 20 percent worth below where they were in 2019. So, we're not talking about oversupply at this point. But that increase in listed inventories without a contemporaneous increase in demand is weighed on the pace of home price growth. We started this year at +4 percent nationally. We're below +1.5 percent. We think that any growth and demand will come coincident with the growth in listing volumes. That's going to keep home price appreciation under control. We're only calling for 2 percent growth in HPA next year, 3 percent out in 2027. But the high level thought here is that the housing market is well supported at these levels. Difficult to see big decreases in sales volumes or prices next year. But also going to be difficult to really achieve any more material growth in this low single digits we're calling for. But Jay, as you and I are talking about this outlook with market participants, one question that gets brought up frequently is what else can the administration do, especially on the affordability side, to help with instigating more housing activity. Jay Bacow: In order to really help affordability, given the challenges that you've discussed around the supply and demand issues; then the other aspect of that is just what is the mortgage rate? And if they were to do things that would cause the mortgage rate to come down, that would be helpful. Now, the Fed already has made an announcement that they're going to continue mortgage runoff from their balance sheet. If they ended mortgage runoff, that would've helped. But that window seems to have passed. There's been some discussion from the administration around new types of programs. In particular, there was a lot of headlines around a 50-year program. A 50-year amortization schedule would likely result in a material drop in the monthly payment that the homeowner would make – which would help. However, the total interest payments for that homeowner, depending on exactly where this hypothetical 50-year mortgage rate would price, are probably about double over the life of the loan relative to a 30-year fixed rate mortgage. So, we're not really sure that this product would see a huge amount of upkeep. There's also some technical challenges around whether it meets the definition of a qualified mortgage and some other in the weeds discussions. James Egan: What about all the discussion we're hearing around assumability of mortgages, portability of mortgages? Is there anything there? Jay Bacow: Based on our understanding of contract law, which I have to confess is limited as I am not a lawyer, we don't think you can retroactively make mortgages portable or assumable that were not already portable or assumable. So, you can make new mortgages portable and assumable. Portable as a reminder means that if you have a mortgage, you take it with you to your new house, and assumable means that the mortgage stays with the house. If you sell it to somebody else, they get that mortgage. But realistically, we think this would have to be a new product. And because it would be a new product with new benefits to the homeowner, it would actually probably cause their mortgage rate to be higher, not lower. James Egan: I guess one last question. We're talking about affordability and we're addressing it through interest rates being lower, we're addressing it through the potential for new products to be put out there, even if there are some challenges around that piece of it. But what about just demand for mortgages themselves? You said the Fed might not be a buyer going forward, but are there other pockets of demand for mortgages that could help bring down mortgage rates? Jay Bacow: Sure. So, we expect the GSEs to grow their portfolio next year, that would certainly be helpful. On the margin, we expect them to buy about a little less than a third of the net issuance that comes to the market. We also think that domestic banks could come back to the market and they could help bring the mortgage rates lower. But these changes are going to help mortgage rates by, in the context of maybe an eighth of a point to a quarter of a point at most. It's not a panacea, unfortunately. James Egan: Alright. So, we expect a little bit of an improvement in mortgage rates, a little bit of affordability improvement next year. That should lead to growth in purchase volumes, and I think it will lead to a little bit of growth in home prices. But the housing market is well supported range bound here. Jay Bacow: Jim, pleasure talking to you. And to all our regular listeners, thank you for adding Thoughts on the Market to your playlist. James Egan: Let us know what you think wherever you get this podcast and share Thoughts on the Market with a friend or colleague today.Jay Bacow: And as my kids would say, go smash that subscribe button.

We don't talk about this enough, even though so many of us face it personally or through someone we love. Real Housewives of New York star, Jessel Taank, opens up about her three-year journey to become a mum; the strain it put on her marriage, the financial toll and the moments during five rounds of IVF when she questioned everything - even whether she truly wanted motherhood. And then… she had twins. Paloma Faith also shares her own IVF experience, from the loneliness and an ectopic pregnancy to postpartum psychosis and depression after her first baby. Today, she's a mum of two and recently announced she's expecting her third. As someone who's been through IVF myself, I hope this episode offers comfort, connection and a reminder that you're not alone - no matter where you are on this journey. Listen to Jessel Taank's full episode of How to Fail here: https://tinyurl.com/jesseltaank Listen to Paloma Faith full episode of How to Fail here: https://play.megaphone.fm/rq-vrlg6sla2hyboi6znkq

Richard McGirr interviews Hiten Samtani, founder of 1031 Media and creator of The Promote. Hiten shares how his background running the newsroom at The Real Deal shaped his approach to storytelling, why he built a media company that treats real estate like the character-driven, high-stakes world it truly is, and how entertainment is the secret ingredient missing from most industry coverage. He and Richard dig into niche media strategy, viral growth, CRE culture, and why “knowing your audience” is the only real moat. They also explore Twitter/Retweet's rise and collapse, the LP Whisperer saga, the structural issues behind traveling HFCs in Texas, and the massive power shift happening as Blackstone and other institutions move aggressively into retail capital. Hiten explains why syndicators face new competition, why pref is dominating the capital stack, and how storytelling shapes who wins attention—and deal flow. Hiten SamtaniCurrent role: Founder, 1031 Media & Creator of The PromoteBased in: New York, New YorkSay hi to them at: https://www.thepromote.com/ https://podcasts.apple.com/us/podcast/the-promote-podcast/id1801355295 https://x.com/hitsamty https://www.linkedin.com/in/hitsamty Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

European authorities take down an illegal cryptomixer. An Australian man is sentenced for running an airport evil twin WiFi campaign. Researchers unmask a Scattered LAPSUS$ Hunters impresario. CISA flags a cross-site scripting flaw in OpenPLC ScadaBR. A major South Korean retailer suffers a data breach affecting over 33 million customers. Threat actors abuse digital calendar subscription features. New York's new hospital cybersecurity mandates may raise the bar nationwide. Scammers target Cyber Monday shoppers. Monday business brief. Ann Johnson speaks with Microsoft's Amy Hogan-Burney on the Afternoon Cyber Tea segment. Google gets caught reheating someone else's holiday recipe.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, ⁠Daily Briefing⁠, and you'll never miss a beat. And be sure to follow CyberWire Daily on ⁠LinkedIn⁠. Afternoon Cyber Tea segment Afternoon Cyber Tea host Ann Johnson speaks with Amy Hogan-Burney, Corporate Vice President of Customer Trust and Security at Microsoft, about how Microsoft Is redefining global cyber defense. Ann and Amy discuss Microsoft's evolving approach to combating global cybercrime and the importance of collaboration across the private and public sectors. You can listen to their full conversation here and catch new episodes of Afternoon Cyber Tea every other Tuesday on your favorite podcast app.  Selected Reading Cryptomixer crypto laundering service taken down by law enforcement (Help Net Security) Man behind in-flight Evil Twin WiFi attacks gets 7 years in prison (Bleeping Computer) Meet Rey, the Admin of ‘Scattered Lapsus$ Hunters' (Krebs on Security) U.S. CISA adds an OpenPLC ScadaBR flaw to its Known Exploited Vulnerabilities catalog (Security Affairs) Data breach hits 'South Korea's Amazon,' potentially affecting 65% of country's population (The Record) Threat Actors Exploit Calendar Subscriptions for Phishing and Malware (Infosecurity Magazine) New York Hospital Cyber Rules to 'Raise the Bar' Nationwide (GovInfo Security) Over 2,000 Fake Shopping Sites Spotted Before Cyber Monday (Hackread) Guardio secures $80 million in new funding. (N2K Pro Business Briefing) Google deletes X post after getting caught using a ‘stolen' AI recipe infographic (Bleeping Computer) Share your feedback.What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show.   Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on Mea Culpa, I welcome back Nick Akerman, former federal prosecutor, Assistant Special Watergate Prosecutor, and Assistant U.S. Attorney for the Southern District of New York. We dig into last week's National Guard shooting and Trump's potential overreaction, then break down the legality of Trump's so-called “drug boat” attacks in Venezuela. Nick and I also examine how Trump is using these crises to divert attention from the Epstein files, and we unpack the latest in the Russia/Ukraine peace talks, including the controversy surrounding leaked recordings of Steve Witkoff offering advice to the Russians. Thanks to our sponsors: PDS Debt: Start planning today. Get a free debt analysis right now at https://PDSDEBT.com/COHEN It only takes 30 seconds. IndaCloud: If you're 21 or older, get 25% OFF your first order + free shipping @IndaCloud with code COHEN at https://inda.shop/COHEN! #indacloudpod Superpower: This holiday, give your loved ones the only gift that keeps on giving — health. Go to https://superpower.com/gift to get a free $49 gift box with your gifted membership. Subscribe to Michael's Substack: https://therealmichaelcohen.substack.com/ Subscribe to Michael's YouTube Channel: https://www.youtube.com/@TheMichaelCohenShow Join us on Patreon: https://www.patreon.com/PoliticalBeatdown Add the Mea Culpa podcast feed: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen Add the Political Beatdown podcast feed: https://www.meidastouch.com/tag/political-beatdown Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads 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  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Why do some romance authors build decades-long careers while others vanish after one breakout book? What really separates a throwaway pen name and rapid release strategy from a legacy brand and a body of work you're proud of? How can you diversify with trad, indie, non-fiction, and Kickstarter without burning out—or selling out your creative freedom? With Jennifer Probst. In the intro, digital ebook signing [BookFunnel]; how to check terms and conditions; Business for Authors 2026 webinars; Music industry and AI music [BBC; The New Publishing Standard]; The Golden Age of Weird. This podcast is sponsored by Kobo Writing Life, which helps authors self-publish and reach readers in global markets through the Kobo eco-system. You can also subscribe to the Kobo Writing Life podcast for interviews with successful indie authors. This show is also supported by my Patrons. Join my Community at Patreon.com/thecreativepenn Jennifer Probst is a New York Times, USA Today, and Wall Street Journal bestselling author of over 60 books across different kinds of romance as well as non-fiction for writers. Her latest book is Write Free. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights, and the full transcript is below. Show Notes How Jennifer started writing at age 12, fell in love with romance, and persisted through decades of rejection A breakout success — and what happened when it moved to a traditional publisher Traditional vs indie publishing, diversification, and building a long-term, legacy-focused writing career Rapid-release pen names vs slow-burn author brands, and why Jennifer chooses quality and longevity Inspirational non-fiction for writers (Write Naked, Write True, Write Free) Using Kickstarter for special editions, re-releases, courses, and what she's learned from both successes and mistakes – plus what “writing free” really means in practice How can you ‘write free'? You can find Jennifer at JenniferProbst.com. Transcript of interview with Jennifer Probst Jo: Jennifer Probst is a New York Times, USA Today, and Wall Street Journal bestselling author of over 60 books across different kinds of romance as well as non-fiction for writers. Her latest book is Write Free. So welcome, Jennifer. Jennifer: Thanks so much, Joanna. I am kind of fangirling. I'm really excited to be on The Creative Penn podcast. It's kind of a bucket list. Jo: Aw, that's exciting. I reached out to you after your recent Kickstarter, and we are going to come back to that in a minute. First up, take us back in time. Tell us a bit more about how you got into writing and publishing. Jennifer: This one is easy for me. I am one of those rarities. I think that I knew when I was seven that I was going to write. I just didn't know what I was going to write. At 12 years old, and now this will kind of date me in dinosaur era here, there was no internet, no information on how to be a writer, no connections out there. The only game in town was Writer's Digest. I would go to my library and pore over Writer's Digest to learn how to be a writer. At 12 years old, all I knew was, “Oh, if I want to be a famous writer, I have to write a book.” So I literally sat down at 12 and wrote my first young adult romance. Of course, I was the star, as we all are when we're young, and I have not stopped since. I always knew, since my dad came home from a library with a box of romance novels and got in trouble with my mum and said, basically, “She's reading everything anyway, just let her read these,” I was gone. From that moment on, I knew that my entire life was going to be about that. So for me, it wasn't the writing. I have written non-stop since I was 12 years old. For me, it was more about making this a career where I can make money, because I think there was a good 30 years where I wrote without a penny to my name. So it was more of a different journey for me. It was more about trying to find my way in the writing world, where everybody said it should be just a hobby, and I believed that it should be something more. Jo: I was literally just going back in my head there to the library I used to go to on my way home from school. Similar, probably early teens, maybe age 14. Going to that section and… I think it was Shirley Conran. Was that Lace? Yes, Lace books. That's literally how we all learned about sex back in the day. Jennifer: All from books. You didn't need parents, you didn't need friends. Amazing. Jo: Oh, those were the days. That must have been the eighties, right? Jennifer: It was the eighties. Yes. Seventies, eighties, but mostly right around in the eighties. Oh, it was so… Jo: I got lost about then because I was reminiscing. I was also the same one in the library, and people didn't really see what you were reading in the corner of the library. So I think that's quite funny. Tell us how you got into being an indie. Jennifer: What had happened is I had this manuscript and it had been shopped around New York for agents and for a bunch of publishers. I kept getting the same exact thing: “I love your voice.” I mean, Joanna, when you talk about papering your wall with rejections, I lived that. The only thing I can say is that when I got my first rejection, I looked at it as a rite of passage that created me as a writer, rather than taking the perspective that it meant I failed. To me, perspective is a really big thing in this career, how you look at things. So that really helped me. But after you get like 75 of them, you're like, “I don't know how much longer I can take of this.” What happened is, it was an interesting story, because I had gone to an RWA conference and I had shopped this everywhere, this book that I just kept coming back to. I kept saying, “I feel like this book could be big.” There was an indie publisher there. They had just started out, it was an indie publisher called Entangled. A lot of my friends were like, “What about Entangled? Why don't you try more digital things or more indie publishers coming up rather than the big traditional ones?” Lo and behold, I sent it out. They loved the book. They decided, in February of 2012, to launch it. It was their big debut. They were kind of competing with Harlequin, but it was going to be a new digital line. It was this new cutting-edge thing. The book went crazy. It went viral. The book was called The Marriage Bargain, and it put me on the map. All of a sudden I was inundated with agents, and the traditional publishers came knocking and they wanted to buy the series. It was everywhere. Then it hit USA Today, and then it spent 26 weeks on The New York Times. Everybody was like, “Wow, you're this overnight sensation.” And I'm like, “Not really!” That was kind of my leeway into everything. We ended up selling that series to Simon & Schuster because that was the smart move for then, because it kind of blew up and an indie publisher at that time knew it was a lot to take on. From then on, my goal was always to do both: to have a traditional contract, to work with indie publishers, and to do my own self-pub. I felt, even back then, the more diversified I am, the more control I have. If one bucket goes bad, I have two other buckets. Jo: Yes, I mean, I always say multiple streams of income. It's so surprising to me that people think that whatever it is that hits big is going to continue. So you obviously experienced there a massive high point, but it doesn't continue. You had all those weeks that were amazing, but then it drops off, right? Jennifer: Oh my goodness, yes. Great story about what happened. So 26 weeks on The New York Times, and it was selling like hotcakes. Then Simon & Schuster took it over and they bumped the price to their usual ebook price, which was, what, $12.99 or something? So it's going from $2.99. The day that they did it, I slid off all the bestseller lists. They were gone, and I lost a lot of control too. With indies, you have a little bit more control. But again, that kind of funnels me into a completely different kind of setup. Traditional is very different from indie. What you touched on, I think, is the biggest thing in the industry right now. When things are hot, it feels like forever. I learned a valuable lesson: it doesn't continue. It just doesn't. Maybe someone like Danielle Steel or some of the other big ones never had to pivot, but I feel like in romance it's very fluid. You have genres hitting big, you have niches hitting big, authors hitting big. Yes, I see some of them stay. I see Emily Henry still staying—maybe that will never pause—but I think for the majority, they find themselves saying, “Okay, that's done now. What's next?” It can either hit or not hit. Does that make sense to you? Do you feel the same? Jo: Yes, and I guess it's not just about the book. It's more about the tactic. You mentioned genres, and they do switch a lot in romance, a lot faster than other genres. In terms of how we do marketing… Now, as we record this, TikTok is still a thing, and we can see maybe generative AI search coming on the horizon and agentic buying. A decade ago it might have been different, more Facebook ads or whatever. Then before that it might have been something else. So there's always things changing along the way. Jennifer: Yes, there definitely is. It is a very oversaturated market. They talk about, I don't know, 2010 to 2016 maybe, as the gold rush, because that was where you could make a lot of money as an indie. Then we saw the total fallout of so many different things. I feel like I've gone through so many ups and downs in the industry. I do love it because the longer you're around, the more you learn how to pivot. If you want this career, you learn how to write differently or do whatever you need to do to keep going, in different aspects, with the changes. To me, that makes the industry exciting. Again, perspective is a big thing. But I have had to take a year to kind of rebuild when I was out of contract with a lot of things. I've had to say, “Okay, what do you see on the horizon now? Where is the new foundation? Where do you wanna restart?” Sometimes it takes a year or two of, “Maybe I won't be making big income and I cut back,” but then you're back in it, because it takes a while to write a few new books, or write under a pen name, or however you want to pivot your way back into the industry. Or, like you were saying, diversifying. I did a lot of non-fiction stuff because that's a big calling for me, so I put that into the primary for a while. I think it's important for authors to maybe not just have one thing. When that one thing goes away, you're scrambling. It's good to have a couple of different things like, “Well, okay, this genre is dead or this thing is dead or this isn't making money. Let me go to this for a little while until I see new things on the horizon.” Jo: Yes. There's a couple of things I want to come back to. You mentioned a pen name there, and one of the things I'm seeing a lot right now—I mean, it's always gone on, but it seems to be on overdrive—is people doing rapid-release, throwaway pen names. So there's a new sub-genre, they write the books really fast, they put them up under whatever pen name, and then when that goes away, they ditch that pen name altogether. Versus growing a name brand more slowly, like I think you and I have done. Under my J.F. Penn fiction brand, I put lots of different sub-genres. What are your thoughts on this throwaway pen name versus growing a name brand more slowly? Jennifer: Well, okay, the first thing I'm goign to say is: if that lights people up, if you love the idea of rapid release and just kind of shedding your skin and going on to the next one, I say go for it. As long as you're not pumping it out with AI so it's a complete AI book, but that's a different topic. I'm not saying using AI tools; I mean a completely AI-written book. That's the difference. If we're talking about an author going in and, every four weeks, writing a book and stuff like that, I do eventually think that anything in life that disturbs you, you're going to burn out eventually. That is a limited-time kind of thing, I believe. I don't know how long you can keep doing that and create decent enough books or make a living on it. But again, I really try not to judge, because I am very open to: if that gives you joy and that's working and it brings your family money, go for it. I have always wanted to be a writer for the long term. I want my work to be my legacy. I don't just pump out books. Every single book is my history. It's a marking of what I thought, what I put out in the world, what my beliefs are, what my story is. It marks different things, and I'm very proud of that. So I want a legacy of quality. As I got older, in my twenties and thirties, I was able to write books a lot faster. Then I had a family with two kids and I had to slow down a little bit. I also think life sometimes drives your career, and that's okay. If you're taking care of a sick parent or there's illness or whatever, maybe you need to slow down. I like the idea of a long-term backlist supporting me when I need to take a back seat and not do frontlist things. So that's how I feel. I will always say: choose a long, organic-growth type of career that will be there for you, where your backlist can support you. I also don't want to trash people who do it differently. If that is how you can do it, if you can write a book in a month and keep doing it and keep it quality, go for it. Jo: I do have the word “legacy” on my board next to me, but I also have “create a body of work I'm proud of.” I have that next to me, and I have “Have you made art today?” So I think about these things too. As you say, people feel differently about work, and I will do other work to make faster cash rather than do that with books. But as we said, that's all good. Interestingly, you mentioned non-fiction there. Write Free is your latest one, but you've got some other writing books. So maybe— Talk about the difference between non-fiction book income and marketing compared to fiction, and why you added that in. Jennifer: Yes, it's completely different. I mean, it's two new dinosaurs. I came to writing non-fiction in a very strange way. Literally, I woke up on New Year's Day and I was on a romance book deadline. I could not do it. I'll tell you, my brain was filled with passages of teaching writing, of things I wanted to share in my writing career. Because again, I've been writing since I was 12, I've been a non-stop writer for over 30 years. I got to my computer and I wrote like three chapters of Write Naked (which was the first book). It was just pouring out of me. So I contacted my agent and I said, “Look, I don't know, this is what I want to do. I want to write this non-fiction book.” She's like, “What are you talking about? You're a romance author. You're on a romance deadline. What do you want me to do with this?” She was so confused. I said, “Yes, how do you write a non-fiction book proposal?” And she was just like, “This is not good, Jen. What are you doing?” Anyway, the funny story was, she said, “Just send me chapters.” I mean, God bless her, she's this wonderful agent, but I know she didn't get it. So I sent her like four chapters of what I was writing and she called me. I'll never forget it. She called me on the phone and she goes, “This is some of the best stuff I have ever read in my life. It's raw and it's truthful, and we've got to find a publisher for this.” And I was like, “Yay.” What happened was, I believe this was one of the most beautiful full circles in my life: Writer's Digest actually made me an offer. It was not about the money. I found that non-fiction for me had a much lower advance and a different type of sales. For me, when I was a kid, that is exactly what I was reading in the library, Writer's Digest. I would save my allowance to get the magazine. I would say to myself, “One day, maybe I will have a book with Writer's Digest.” So for me, it was one of the biggest full-circle moments. I will never forget it. Being published by them was amazing. Then I thought I was one-and-done, but the book just completely touched so many writers. I have never gotten so many emails: “Thank you for saying the truth,” or “Thank you for being vulnerable.” Right before it published, I had a panic attack. I told my husband, “Now everybody's going to know that I am a mess and I'm not fabulous and the world is going to know my craziness.” By being vulnerable about the career, and also that it was specifically for romance authors, it caused a bond. I think it caused some trust. I had been writing about writing for years. After that, I thought it was one-and-done. Then two or three years later I was like, “No, I have more to say.” So I leaned into my non-fiction. It also gives my fiction brain a rest, because when you're doing non-fiction, you're using a different part of your brain. It's a way for me to cleanse my palate. I gather more experiences about what I want to share, and then that goes into the next book. Jo: Yes, I also use the phrase “palate cleanser” for non-fiction versus fiction. I feel like you write one and then you feel like, “Oh, I really need to write the other now.” Jennifer: Yes! Isn't it wonderful? I love that. I love having the two brains and just giving one a break and totally leaning into it. Again, it's another way of income. It's another way. I also believe that this industry has given me so much that it is automatic that I want to give back. I just want to give as much as possible back because I'm so passionate about writing and the industry field. Jo: Well, interestingly though, Writer's Digest—the publisher who published that magazine and other things—went bankrupt in 2019. You've been in publishing a long time. It is not uncommon for publishers to go out of business or to get bought. Things happen with publishers, right? Jennifer: Yes. Jo: So what then happened? Jennifer: So Penguin Random House bought it. All the Writer's Digest authors did not know what they were going to do. Then Penguin Random House bought it and kept Writer's Digest completely separate, as an imprint under the umbrella. So Writer's Digest really hasn't changed. They still have the magazine, they still have books. So it ended up being okay. But what I did do is—because I sold Write Naked and I have no regrets about that, it was the best thing for me to do, to go that route—the second and the third books were self-published. I decided I'm going to self-publish. That way I have the rights for audio, I have the rights for myself, I can do a whole bunch of different things. So Write True, the second one, was self-published. Writers Inspiring Writers I paired up with somebody, so we self-published that. And Write Free, my newest one, is self-published. So I've decided to go that route now with my non-fiction. Jo: Well, as I said, I noticed your Kickstarter. I don't write romance, so I'm not really in that community. I had kind of heard your name before, but then I bought the book and joined the Kickstarter. Then I discovered that you've been doing so much and I was like, “Oh, how, why haven't we connected before?” It's very cool. So tell us about the Kickstarters you've done and what you know, because you've done, I think, a fiction one as well. What are your thoughts and tips around Kickstarter? Jennifer: Yes. When I was taking that year, I found myself kind of… let's just say fired from a lot of different publishers at the time. That was okay because I had contracts that ran out, and when I looked to see, “Okay, do we want to go back?” it just wasn't looking good. I was like, “Well, I don't want to spend a year if I'm not gonna be making the money anyway.” So I looked at the landscape and I said, “It's time to really pull in and do a lot more things on my own, but I've got to build foundations.” Kickstarter was one of them. I took a course with Russell Nohelty and Monica Leonelle. They did a big course for Kickstarter, and they were really the ones going around to all the conferences and basically saying, “Hey guys, you're missing out on a lot of publishing opportunities here,” because Kickstarter publishing was getting good. I took the course because I like to dive into things, but I also want to know the foundation of it. I want to know what I'm doing. I'm not one to just wing it when it comes to tech. So what happened is, the first one, I had rights coming back from a book. After 10 years, my rights came back. It was an older book and I said, “You know what? I am going to dip my foot in and see what kind of base I can grow there. What can I do?” I was going to get a new cover, add new scenes, re-release it anyway, right? So I said, “Let's do a Kickstarter for it, because then I can get paid for all of that work.” It worked out so fantastically. It made just enough for my goal. I knew I didn't want to make a killing; I knew I wanted to make a fund. I made my $5,000, which I thought was wonderful, and I was able to re-release it with a new cover, a large print hardback, and I added some scenes. I did a 10-year anniversary re-release for my fans. So I made it very fan-friendly, grew my audience, and I was like, “This was great.” The next year, I did something completely different. I was doing Kindle Vella back in the day. That was where you dropped a chapter at a time. I said, “I want to do this completely different kind of thing.” It was very not my brand at all. It was very reality TV-ish: young college students living in the city, very sexy, very angsty, love triangles, messy—everything I was not known for. Again, I was like, “I'm not doing a pen name because this is just me,” and I funnelled my audience. I said, “What I'm going to do is I'm going to start doing a chapter a week through Kindle Vella and make money there. Then when it's done, I'm going to bundle it all up and make a book out of it.” So I did a year of Kindle Vella. It was the best decision I made because I just did two chapters a week, which I was able to do. By one year I had like 180,000 words. I had two to three books in there. I did it as a hardback deluxe—the only place you could get it in print. Then Vella closed, or at least it went way down. So I was like, “Great, I'm going to do this Kickstarter for this entire new thing.” I partnered with a company that helps with special editions, because that was a whole other… oh Joanna, that was a whole other thing you have to go into. Getting the books, getting the art, getting the swag. I felt like I needed some help for that. Again, I went in, I funded. I did not make a killing on that, but that was okay. I learned some things that I would have changed with my Kickstarter and I also built a new audience for that. I had a lot of extra books that I then sold in my store, and it was another place to make money. The third Kickstarter I used specifically because I had always wanted to do a writing course. I go all over the world, I do keynotes, I do workshops, I've done books, and I wanted to reach new writers, but I don't travel a lot anymore. So I came up with the concept that I was going to do my very first course, and it was going to be very personal, kind of like me talking to them almost like in a keynote, like you're in a room with me. I gathered a whole bunch of stuff and I used Kickstarter to help me A) fund it and B) make myself do it, because it was two years in the making and I always had, “Oh, I've got this other thing to do,” you know how we do that, right? We have big projects. So I used Kickstarter as a deadline and I decided to launch it in the summer. In addition to that, I took years of my posts from all over. I copied and pasted, did new posts, and I created Write Free, which was a very personal, essay-driven book. I took it all together. I took a couple of months to do this, filmed the course, and the Kickstarter did better than I had ever imagined. I got quadruple what I wanted, and it literally financed all the video editing, the books, everything that I needed, plus extra. I feel like I'm growing in Kickstarter. I hope I'm not ranting. I'm trying to go over things that can help people. Jo: Oh no, that is super useful. Jennifer: So you don't have to go all in and say, “If it doesn't fund it's over,” or “I need to make $20,000.” There are people making so much money, and there are people that will do a project a year or two projects a year and just get enough to fund a new thing that they want to do. So that's how I've done it. Jo: I've done quite a few now, and my non-fiction ones have been a lot bigger—I have a big audience there—and my fiction have been all over the place. What I like about Kickstarter is that you can do these different things. We can do these special editions. I've just done a sprayed-edge short story collection. Short story collections are not the biggest genre. Jennifer: Yes. I love short stories too. I've always wanted to do an anthology of all my short stories. Jo: There you go. Jennifer: Yes, I love that for your Kickstarter. Love it. Jo: When I turned 50 earlier this year, I realised the thing that isn't in print is my short stories. They are out there digitally, and that's why I wanted to do it. I feel like Kickstarter is a really good way to do these creative projects. As you say, you don't have to make a ton of money, but at the end of the day, the definition of success for us, I think for both of us, is just being able to continue doing this, right? Jennifer: Absolutely. This is funding a creative full-time career, and every single thing that you do with your content is like a funnel. The more funnels that you have, the bigger your base. Especially if you love it. It would be different if I was struggling and thinking, “Do I get an editor job?” I would hate being an editor. But if you look at something else like, “Oh yes, I could do this and that would light me up, like doing a course—wow, that sounds amazing,” then that's different. It's kind of finding your alternates that also light you up. Jo: Hmm. So were there any mistakes in your Kickstarters that you think are worth sharing? In case people are thinking about it. Jennifer: Oh my God, yes. So many. One big thing was that I felt like I was a failure if I didn't make a certain amount of money because my name is pretty well known. It's not like I'm brand new and looking. One of the big things was that I could not understand and I felt like I was banging my head against the wall about why my newsletter subscribers wouldn't support the Kickstarter. I'm like, “Why aren't you doing this? I'm supposed to have thousands of people that just back.” Your expectations can really mess with you. Then I started to learn, “Oh my God, my newsletter audience wants nothing to do with my Kickstarter.” Maybe I had a handful. So then I learned that I needed longer tails, like putting it up for pre-order way ahead of time, and also that you can't just announce it in your newsletter and feel like everybody's going to go there. You need to find your streams, your Kickstarter audience, which includes ads. I had never done ads either and I didn't know how to do that, so I did that all wrong. I joined the Facebook group for Kickstarter authors. I didn't do that for the first one and then I learned about it. You share backer updates, so every time you go into your audience with a backer update, there's this whole community where you can share with like-minded people with their projects, and you post it under your updates. It does cross-networking and sharing with a lot of authors in their newsletters. For the Write Free one, I leaned into my networking a lot, using my connections. I used other authors' newsletters and people in the industry to share my Kickstarter. That was better for me than just relying on my own fanbase. So definitely more networking, more sharing, getting it out on different platforms rather than just doing your own narrow channel. Because a lot of the time, you think your audience will follow you into certain things and they don't, and that needs to be okay. The other thing was the time and the backend. I think a lot of authors can get super excited about swag. I love that, but I learned that I could have pulled back a little bit and been smarter with my financials. I did things I was passionate about, but I probably spent much more money on swag than I needed to. So looking at different aspects to make it more efficient. I think each time you do one, you learn what works best. As usual, I try to be patient with myself. I don't get mad at myself for trying things and failing. I think failing is spectacular because I learn something. I know: do I want to do this again? Do I want to do it differently? If we weren't so afraid of failingqu “in public”, I think we would do more things. I'm not saying I never think, “Oh my God, that was so embarrassing, I barely funded and this person is getting a hundred thousand.” We're human. We compare. I have my own reset that I do, but I really try to say, “But no, for me, maybe I'll do this, and if it doesn't work, that's okay.” Jo: I really like that you shared about the email list there because I feel like too many people have spent years driving people to Kindle or KU, and they have built an email list of readers who like a particular format at a particular price. Then we are saying, “Oh, now come over here and buy a beautiful hardback that's like ten times the price.” And we're surprised when nobody does it. Is that what happened? Jennifer: Exactly. Also, that list was for a non-fiction project. So I had to funnel where my writers were in my newsletter, and I have mostly readers. So I was like, “Okay…” But I think you're exactly right. First of all, it's the platform. When you ask anybody to go off a platform, whether it's buy direct at your Shopify store or go to Kickstarter, you are going to lose the majority right there. People are like, “No, I want to click a button from your newsletter and go to a site that I know.” So you've got that, and you've got to train them. That can take some time. Then you've got this project where people are like, “I don't understand.” Even my mum was like, “I would love to support you, honey, but what the heck is this? Where's the buy button and where's my book?” My women's fiction books tend to have some older readers who are like, “Hell no, I don't know what this is.” So you have to know your audience. If it's not translating, train them. I did a couple of videos where I said, “Look, I want to show you how easy this is,” and I showed them directly how to go in and how to back. I did that with Kindle Vella too. I did a video from my newsletter and on social: “Hey, do you not know how to read this chapter? Here's how.” Sometimes there's a barrier. Like you said, Joanna, if I have a majority that just want sexy contemporary, and I'm dropping angsty, cheating, forbidden love, they're like, “Oh no, that's not for me.” So you have to know whether there's a crossover. I go into my business with that already baked into my expectations. I don't go in thinking I'm going to make a killing. Then I'm more surprised when it does well, and then I can build it. Jo: Yes, exactly. Also if you are, like both of us, writing across genres, then you are always going to split your audience. People do not necessarily buy everything because they have their preferences. So I think that's great. Now we are almost out of time, but this latest book is Write Free. I wondered if you would maybe say— What does Write Free mean to you, and what might it help the listeners with? Jennifer: Write Free is an extremely personal book for me, and the title was really important because it goes with Write Naked, Write True, and Write Free. These are the ways that I believe a writer should always show up to the page. Freedom is being able to write your truth in whatever day that is. You're going to be a different writer when you're young and maybe hormonal and passionate and having love affairs. You're going to write differently when you're a mum with kids in nappies. You're going to write differently when you are maybe in your forties and you're killing your career. Your perspective changes, your life changes. Write Free is literally a collection of essays all through my 30 years of life. It's very personal. There are essays like, “I'm writing my 53rd book right now,” and essays like, “My kids are in front of SpongeBob and I'm trying to write right now,” and “I got another rejection letter and I don't know how to survive.” It is literally an imprint of essays that you can dip in and dip out of. It's easy, short, inspirational, and it's just me showing up for my writing life. That's what I wish for everybody: that they can show up for their writing life in the best way that they can at the time, because that changes all the time. Jo: We can say “write free” because we've got a lot of experience at writing. I feel like when I started writing—I was an IT consultant—I literally couldn't write anything creative. I didn't believe I could. There'll be people listening who are just like, “Well, Jennifer, I can't write free. I'm not free. My mind is shackled by all these expectations and everything.” How can they release that and aim for more freedom? Jennifer: I love that question so much. The thing is, I've spent so many years working on that part. That doesn't come overnight. I think sometimes when you have more clarification of, “Okay, this is really limiting me,” then when you can see where something is limiting you, at least you can look for answers. My answers came in the form of meditation. Meditation is a very big thing in my life. Changing my perspective. Learning life mottos to help me deal with those kinds of limitations. Learning that when I write a sex scene, I can't care about my elderly aunt who tells my mother, “Dear God, she ruined the family name.” It is your responsibility to figure out where these limitations are, and then slowly see how you can remove them. I've been in therapy. I have read hundreds of self-help books. I take meditation courses. I take workshop courses. I've done CliftonStrengths with Becca Syme. I don't even know if that's therapy, but it feels like therapy to me as a writer. Knowing my personality traits. I've done Enneagram work with Claire Taylor, which has been huge. The more you know yourself and how your brain is showing up for yourself, the more you can grab tools to use. I wish I could say, “Yes, if everybody meditates 30 minutes a day, you're going to have all blocks removed,” but it's so personal that it's a trick question. If everybody started today and said, “Where is my biggest limitation?” and be real with yourself, there are answers out there. You just have to go slowly and find them, and then the writing more free will come. I hope that wasn't one of those woo-woo answers, but I really do believe it. Jo: I agree. It just takes time. Like our writing career, it just takes time. Keep working on it, keep writing. Jennifer: Yes. And bravery, right? A lot of bravery. Just show up for yourself however you can. If “write free” feels too big, journal for yourself and put it in a locked drawer. Any kind of writing, I think, is therapeutic too. Jo: Brilliant. So where can people find you and your books and everything you do online? Jennifer: The best place to go is my website. I treat it like my home. It's www.JenniferProbst.com. There is so much on it. Not just books, not just free content and free stories. There's an entire section just for writers. There are videos on there. There are a lot of resources. I keep it up to date and it is the place where you can find me. Of course I'm everywhere on social media as Author Jennifer Probst. You can find me anywhere. I always tell everybody: I answer my messages, I answer my emails. That is really important to me. So if you heard this podcast and you want to reach out on anything, please do. I will answer. Jo: Fantastic. Well, thanks so much for your time, Jennifer. That was great. Jennifer: Thanks for having me, Joanna.The post Writing Free: Romance Author Jennifer Probst On A Long-Term Author Career first appeared on The Creative Penn.

Menopause is not the end of vitality—it's the beginning of transformation.

SNFU founders Marc and Brent Belke discuss band history, rare recordings, records, vinyl reissues on Trust Records, upcoming events at the Punk Rock Museum & more. Topics Include: Marc and Brent Belke join from Vancouver and Victoria to discuss SNFU's December 5th Punk Rock Museum exhibit and album re-release. The exhibit coincides with Trust Records' re-release of SNFU's debut album "...And No One Else Wanted to Play" with extensive extras. The re-release includes a 53-page booklet with rare photos, interview excerpts, and a full record of early demos and alternate versions. The exhibit features band paraphernalia, posters, t-shirts, and artwork, originally displayed at a Saskatchewan museum last summer before moving to Vegas. Marc and Brent will provide guided tours at the Punk Rock Museum and participate in a roundtable discussion on December 5th. The brothers describe Edmonton's early 1980s scene as intimate with only 50 people, mixing new wave, rockabilly, and emerging hardcore sounds. Getting punk records in Alberta meant ordering from New York stores via mail, waiting two months, and receiving only 25% of selections. Pivotal records included Bad Brains' ROIR cassette, Let Them Eat Jellybeans compilation, Sex Pistols' debut, and Minor Threat's Out of Step. The LA hardcore scene heavily influenced SNFU, with bands like Circle Jerks, Social Distortion, and Youth Brigade making significant impressions. SNFU formed when Marc and Brent's band lost members, recruiting bassist Curtis and drummer Evan Kaufmann based on personality over experience. Singer Chi Pig brought irreverent humor and sarcastic lyrics that became central to SNFU's identity and separated them from serious hardcore bands. The band recorded their debut album in two weeks with limited preparation, creating the raw energy that defined their sound. Early SNFU combined hardcore speed with melodic elements, drawing from both aggressive punk and bands like The Damned and Buzzcocks. The band signed with BYO Records for their second album, appreciating the DIY ethos and direct artist-to-label relationship. SNFU toured extensively across North America, playing everywhere from established venues to DIY spaces and experiencing varied punk scenes nationwide. The brothers discuss how the band's legacy feels incomplete, with the Trust re-release helping emphasize positive aspects of their history. Brent left SNFU to attend music school, studying jazz and strings, and now works creating music for film projects. Marc emphasizes Trust Records' meticulous approach, taking four years to perfect the release compared to SNFU's tendency to rush. Both brothers have never visited the Punk Rock Museum and look forward to experiencing it while giving tours on December 5th. High resolution version of this podcast is available at: www.Patreon.com/VinylGuide Apple: https://tinyurl.com/tvg-ios Spotify: https://tinyurl.com/tvg-spot Amazon Music: https://tinyurl.com/tvg-amazon Support the show at Patreon.com/VinylGuide

Left-wing news outlets criticized Secretary of War Pete Hegseth's handling of the recent boat strike over the weekend. Meanwhile, Andrew Cuomo is reportedly considering a run for New York governor in 2026. 

Left-wing news outlets criticized Secretary of War Pete Hegseth's handling of the recent boat strike over the weekend. Meanwhile, Andrew Cuomo is reportedly considering a run for New York governor in 2026. Mark takes your calls! Mark interviews Fox News contributor Liz Peek. Zohran Mamdani has faced challenges implementing his plans for New York City as he prepares to take office as Mayor in 2026. The "Big Beautiful Bill," set to take effect in January 2026, is expected to boost the economy with significant tax cuts and other benefits.

Left-wing news outlets criticized Secretary of War Pete Hegseth's handling of the recent boat strike over the weekend. Meanwhile, Andrew Cuomo is reportedly considering a run for New York governor in 2026. Mark interviews Fox News contributor Liz Peek. Zohran Mamdani has faced challenges implementing his plans for New York City as he prepares to take office as Mayor in 2026. The "Big Beautiful Bill," set to take effect in January 2026, is expected to boost the economy with significant tax cuts and other benefits. Comedian Dick Van Dyke is sharing his secrets to longevity as he nears his 100th birthday, offering heartfelt advice on how to live a long, joyful life. Meanwhile, the New York State Gaming Board has approved new casinos for several New York City boroughs, setting the stage for major changes in the local economy. Mark interviews New York Post columnist Miranda Devine. FBI Director Kash Patel faces mounting criticism over his leadership, as opposition to him and his team continues to grow. Individuals suffering from Trump Derangement Syndrome are experiencing significant health issues related to political stress.

Left-wing news outlets criticized Secretary of War Pete Hegseth's handling of the recent boat strike over the weekend. Meanwhile, Andrew Cuomo is reportedly considering a run for New York governor in 2026. Mark takes your calls! Mark interviews Fox News contributor Liz Peek. Zohran Mamdani has faced challenges implementing his plans for New York City as he prepares to take office as Mayor in 2026. The "Big Beautiful Bill," set to take effect in January 2026, is expected to boost the economy with significant tax cuts and other benefits.See omnystudio.com/listener for privacy information.

Left-wing news outlets criticized Secretary of War Pete Hegseth's handling of the recent boat strike over the weekend. Meanwhile, Andrew Cuomo is reportedly considering a run for New York governor in 2026. Mark interviews Fox News contributor Liz Peek. Zohran Mamdani has faced challenges implementing his plans for New York City as he prepares to take office as Mayor in 2026. The "Big Beautiful Bill," set to take effect in January 2026, is expected to boost the economy with significant tax cuts and other benefits. Comedian Dick Van Dyke is sharing his secrets to longevity as he nears his 100th birthday, offering heartfelt advice on how to live a long, joyful life. Meanwhile, the New York State Gaming Board has approved new casinos for several New York City boroughs, setting the stage for major changes in the local economy. Mark interviews New York Post columnist Miranda Devine. FBI Director Kash Patel faces mounting criticism over his leadership, as opposition to him and his team continues to grow. Individuals suffering from Trump Derangement Syndrome are experiencing significant health issues related to political stress. See omnystudio.com/listener for privacy information.

Left-wing news outlets criticized Secretary of War Pete Hegseth's handling of the recent boat strike over the weekend. Meanwhile, Andrew Cuomo is reportedly considering a run for New York governor in 2026. See omnystudio.com/listener for privacy information.

(3:00) The bad, the ugly from loss to a UF team that had 3 wins(7:00) FSU is in the wilderness(12:00) So trenches or QB biggest need for 2026?(25:00) We were told 2-10 predicted nothing for 2025. Now we're saying 2025 won't predict 2026?(35:00) Was this in some ways worse than 2-10?(55:00) So what's the wishlist and when should moves starting leaking out?Music - Miss Fortune: Kinda Misunderstoodvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollarsMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Visit donate.accessmore.com and give today to help fund more episodes and shows like this. Recency bias is a cognitive bias that causes people to give more weight to recent information or experiences, even if older information is more relevant or reliable. Pastors John and Wayne discuss the impact this can have on your leadership and how to know if it's affecting you. Follow us on Instagram for more great leadership content: Pastor John (@johnsiebeling), Pastor Wayne (@waynefrancis), Podcast (@leadershipinblackandwhite). Leave a rating and review to give us your feedback and help the show continue to grow!

In this episode of the Crack House Chronicles True Crime Podcast Donnie and Dale discuss Gilberto Valle - The Cannibal Cop.  New York police officer Gilberto Valle was accused of conspiring to kidnap, kill, and eat various women of his acquaintance. Valle claimed a "fantasy defense," arguing that his expression represented not conspiracy agreement, but fantasy role-play. His conviction and subsequent acquittal raised questions about the freedom of speech, thoughtcrime, and the nature of conspiracy law. https://www.crackhousechronicles.com/ https://linktr.ee/crackhousechronicles https://www.tiktok.com/@crackhousechronicles https://www.facebook.com/crackhousechronicles Check out our MERCH! https://www.teepublic.com/user/crackhousechronicles SOURCES: https://dlj.law.duke.edu/article/conspiracy-and-the-fantasy-defense-ek-vol64-iss5/ https://en.wikipedia.org/wiki/United_States_v._Valle https://nymag.com/news/features/cannibal-cop-2014-1/  

Munaf Manji and Mackenzie Rivers talk weekend betting action and much more. The guys also discuss the MNF game. The Week 13 Weekend Rewind show opens with Munaf Manji and Mackenzie Rivers reacting to a wild Sunday night game where Denver beat Washington 27–26 in overtime despite constant swings, flags, and late chaos. They credit Marcus Mariota for filling in effectively, though rookie Jaden Daniels is expected back next week. Both agree Washington's two-point try was obvious given their season situation. They note Denver stays atop the AFC West at 10–2 while the Commanders fall despite fighting hard. Mackenzie expects fatigue effects next week because both teams played high-volume offensive snaps. Survivor carnage dominates the middle of the show: Thanksgiving wiped out over 850 entries as every underdog won (Packers over Lions, Cowboys over Chiefs, Bengals over Ravens, Bears over Eagles). They discuss hedging strategy, noting a six-way tie in the Grandissimo contest paid each over $1M. By Sunday only 45 entries remained with one more pending Monday night. Biggest downgrades: Vikings after J.J. McCarthy's disastrous 4-INT outing amid confusion over concussion protocol; Chiefs fall from 5.5-point favorites to 3.5 vs Houston as the market finally stops giving them elite benefit of the doubt; Rams downgraded after losing outright as double-digit favorites to Carolina; Lions downgraded partly due to Goff's slide and Amon-Ra St. Brown's injury. Upgrades: Cowboys after back-to-back wins over Eagles and Chiefs; Jets with Tyrod Taylor playing efficiently and running for the winning TD; Bears dominating the Eagles on the ground and maybe becoming legitimate NFC North contenders; Bengals with Burrow healthy again; Texans improving behind CJ Stroud, rookie receivers, and a defense that continues to outperform expectations. They analyze division markets: AFC South tight among Colts, Jaguars, Texans; NFC East still Eagles-favored but Cowboys lurking; NFC North wide open with Chicago rising. They move to Monday Night Football: Patriots (10–2) vs Giants (2–10). Drake May is surging in MVP odds, and New England has won nine straight with strong defense and Travion Henderson emerging as their lead back. The Giants are better ATS than straight up on the road but struggle to finish games. Munaf likes Henderson's rushing yards over given New York's awful run defense (6.2 YPC allowed, 219 given to Gibbs last week). Mackenzie prefers Drake May under 245.5 passing yards, predicting Vrabel leans on the run. They mention Jackson Dart returning for New York and expect high pass attempts if they fall behind. They wrap with NBA chatter: whether the Thunder can break the 73-win record; Mackenzie predicts around 70–12. They close discussing the 49ers' strong defensive form, Purdy's connection with Kittle, and optimism for San Francisco's division race before signing off with promo codes and reminders for upcoming pods. Learn more about your ad choices. Visit megaphone.fm/adchoices

Paula Saunders is a graduate of the Syracuse University creative writing program and was awarded a postgraduate Albert Schweitzer Fellowship at the State University of New York at Albany, under Schweitzer chair Toni Morrison. Her first book, The Distance Home, was longlisted for the Center for Fiction 2018 First Novel Prize and named as one of The Best Books of 2018 by REAL SIMPLE. She lives in California with her husband. They have two grown daughters.  Her new novel is called Starting from Here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Zach is a mechanical engineer turned 4th generation dry cleaner. After breathing new life into the family business, Jeeves New York has expanded beyond high-end dry cleaning, and into educational TikTok stardom. They've since written a book titled ‘The Laundry Book: The definitive guide for caring for your clothes and linens', and are here to bridge the gap between those who print shirts, and those who revive them. Topics of discussion include: problem solving, what dry cleaning IS, the decline of garment quality, high-end and fast fashion, wash care symbols, best laundry practices and detergents, dye migration, and Met Gala goals.

BUNNY MOVIE REVIEW There are so many songs about New York from all kinds of artists. From crooners to rappers, the adulation of the big apple can be heard world wide, but the best kind of harmonies that make up the most memorable stories are from the voices of the communities within the city itself. […]

Steve Griggs is a New York–based landscape designer and author of Straight Dirt, known for transforming backyards, rooftops, and estates into lifestyle-driven outdoor sanctuaries. A two-time Inc. 5000 honoree, he blends engineering, plant science, and artistry to create spaces that tell your story. Connect with Steve Website: https://stevegriggsdesign.com Instagram: https://www.instagram.com/stevegriggsdesign/ Facebook: https://www.facebook.com/SteveGriggsDesign Twitter/X: https://twitter.com/stevegriggsdsgn YouTube: https://www.youtube.com/channel/UCZ3rPHh3yC3FgzQ_nw9xenw Houzz: https://www.houzz.com/pro/stevegriggsdesign/stevegriggsdesign-com

Kevn Kennon, is here today to discuss. “Modern Cities, Historic Souls" and the intersection of architecture, sustainability, and storytelling. In 1988, he joined Kohn Pedersen Fox (KPF) in New York and became a partner in 1996. In 2002 he founded Kevin Kennon Architects, an architecture and design firm based in New York City. He has received major design awards ranging from the American Institute of Architects, the Architectural League Young Architects Award, and the Progressive Architecture Award.

Tons of plastic continue to pile up in landfills and find their way in our oceans, and it only gets worse every single year. Judith Enck, founder and president of Beyond Plastics, is leading the charge against plastic pollution for decades. She joins Corinna Bellizzi to share what must be done to accelerate and improve efforts in reducing plastic use, particularly recycling and reusing methods. Judith also explains why most plastics continue not to get recycled, the best way to reduce unnecessary food packaging, and why corporations are the biggest culprit behind the worsening state of plastic pollution. COMPLETE BLOG & TRANSCRIPT: https://caremorebebetter.com/solving-the-problem-of-plastic-pollution-with-judith-enck/ About Guest: Judith Enck is the founder and president of Beyond Plastics, whose goal is eliminating plastic pollution everywhere. She was appointed by President Obama to serve as regional administrator at the U.S. Environmental Protection Agency in 2009 and served as deputy secretary for the environment in the New York Governor's Office. She is the co-author, with Adam Mahoney, of "The Problem With Plastic: How We Can Save Ourselves and Our Planet Before It's Too Late" (The New Press). She is currently a professor at Bennington College and lives in upstate New York. Guest LinkedIn: https://www.linkedin.com/in/judith-enck-26a769200 Guest Website: https://www.beyondplastics.org/ Guest Social: https://www.instagram.com/beyondplastics https://www.facebook.com/beyondplasticsaction https://www.youtube.com/channel/UCHsOC-rBE1GTpmZg4sUD96g https://www.tiktok.com/@beyondplasticsaction Additional Resources Mentioned: Book - The Problem with Plastic: https://amzn.to/4p6RcXX Show Notes:  02:40 - What Inspired Judith To Fight Plastic Pollution  06:19 - Why Most Plastics Do Not Get Recycled  14:00 - How To Boost Recycling And Get Rid Of Unnecessary Packaging  22:51 - How To Do Your Part In Reducing Plastic Pollution  28:30 - Why Chemical Recycling Is The Last Thing We Need  33:03 - How Women Are Leading The Charge Against Plastic Pollution  38:41 - There Is No Such Thing As Biodegradable Plastic   48:28 - We Need To Work To Retain Hope  51:20 - How To Work And Collaborate With Beyond Plastics Community  53:14 - What Can Replace Polyester In Our Clothes  58:10 - Get In Touch With Judith Enck And Beyond Plastics 01:00:13 - Episode Wrap-up And Closing Words BUILD A GREENER FUTURE with CARE MORE BE BETTER Together, we planted 36,044 trees in 2025 through our partnership with ForestPlanet. We screamed past our goal of planting 20,000 trees thanks to subscribers like you! NEW CAUSE PARTNER FOR 2025-2026 SELECTED! If you value open dialogue, sustainability, and social equity, I invite you to support our new cause partner — Prescott College. To learn more about this effort and to support the show, visit: https://caremorebebetter.com/support/ Follow us on social media: YouTube: https://www.youtube.com/c/caremorebebetter TikTok: https://www.tiktok.com/@caremorebebetter Instagram: https://www.instagram.com/caremorebebetter Facebook: https://www.facebook.com/CareMoreBeBetter LinkedIn: https://www.linkedin.com/company/care-more-be-better Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode Laura Patterson, DVM, PhD, aPAS, Dipl. ACAS, of Long Island University's College of Veterinary Medicine in Brookville, New York, explains the importance of appropriate ventilation in the barn during winter. She describes common threats to horse respiratory health due to poor ventilation and how to improve ventilation in your barn during winter. She shares her winter ventilation checklist for ensuring your barn air quality stays healthy for both horses and humans.GUESTS AND LINKS - EPISODE 39:Host: Hailey Pfeffer (Kerstetter)Guest: Dr. Laura Patterson, DVM, PhD, aPAS, Dipl. ACAS, of Long Island University's College of Veterinary Medicine in Brookville, New YorkPlease visit our sponsors, who makes all this possible: Ask TheHorse Live

It turns out that the count of our mayors has been off by one, dating back to when the city had a population of just 2,500 — meaning the mayor-elect will be New York's 112th mayor, though still the 111th person to serve. FAQ NYC hosts Christina Greer, Katie Honan and Harry Siegel discuss that breaking 17th Century news, as reported by Eliabeth Kim at Gothamist, and much more, including Julie Menin's early Speaker win and the World Trade Center-related death this week of a retired deputy chief who lost a son on 9/11. This episode was engineered by Noah Smith.

The third amended complaint filed in the Southern District of New York involves six plaintiffs—Jane Does 1 through 6—who have brought claims against Darren K. Indyke and Richard D. Kahn, acting as co-executors of the estate of Jeffrey Epstein, as well as the estate itself and other unnamed defendants. The case, docketed as No. 1:19-cv-07675-GBD, seeks a jury trial and continues the broader wave of litigation aimed at holding Epstein's estate accountable for his long history of alleged sexual abuse and exploitationThe complaint underscores the plaintiffs' pursuit of justice against Epstein's estate following his death, placing responsibility on those managing his assets to provide restitution for the harm they allege they suffered. By naming “Roes 2–10,” the filing also leaves room for additional defendants who may later be identified as complicit in Epstein's crimes or responsible for enabling his conduct. This legal action highlights the ongoing efforts by Epstein's victims to find accountability in civil court, given that his death cut short criminal proceedings.to contact me:bobbycapucci@protonmail.comsource:gov.uscourts.nysd.521195.45.0.pdf

In the United States District Court for the Southern District of New York, a class action lawsuit titled Jane Doe 1, individually and on behalf of all others similarly situated v. JP Morgan Chase & Co. was filed. The complaint represented not only Jane Doe 1, but a broader group of alleged victims who claimed they suffered harm tied to the actions—and alleged inaction—of JP Morgan Chase & Co. The filing formally demanded a jury trial, signaling the plaintiffs' intention to take the allegations into open court rather than resolve them quietly behind closed doors.The case was framed as both an individual and a class action complaint, raising the stakes considerably for the financial giant. By categorizing it this way, the plaintiffs positioned their claims as part of a larger systemic issue involving an entire group of alleged victims. The filing marked the beginning of what later became one of the most scrutinized legal battles connected to the Jeffrey Epstein network, setting the stage for intense public inquiry into the bank's role and potential liability.to contact me:bobbycapucci@protonmail.comsource:Microsoft Word - 00513854.DOCX