Podcasts about ogs

Amy Phillips welcomes Deanna Cheng to discuss all things Southern Charm. They dis on SLOMW Whitney's debut in Chicago and the momtokers that showed up unrecognizable to us. The conversation takes a juicy turn with Real Housewives gossip, including Ultimate Road Trip fallout and new ventures on the horizon for some of the OGs. Plus, the scoop on Austen's personal life and how it's intertwined with the show, and an analysis of Craig and Sally's latest antics.HERS puts your health and goals first. forhers.com/dramaFor more Drama, Darling, and exclusive content, subscribe to: http://Patreon.com/dramadarling Follow Drama, Darling on Instagram: https://www.instagram.com/dramadarlingshow/   Email Drama, Darling with YOUR comments, questions and drama:  DramaDarlingz@gmail.com Follow Amy Phillips on Instagram: https://www.instagram.com/dramadarlingshow/   MERCH Drama Darling Shop https://drama-darling-shop.printify.me/

Whew, Reigndrops, do we have a show for you. Carlos is joined by the OGs, Dustin Ross and Claudia Jordan, to talk about Married to Medicine’s Quad and her split from boyfriend King, and of course the hot topic of the night, Karen Huger’s sit-down with Andy Cohen. What a way to end the season!See omnystudio.com/listener for privacy information.

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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  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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   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 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  33:19   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 chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

Davis Mallory from MTV's “The Real World: Denver” and “The Challenge” chats with Beth Stolarczyk and Jon Brennan about his experience on MTV.  They discuss TJ Lavin as the host of The Challenge, getting punched by CT during his first conversation with him, and how the Lord continues to bring him through his struggle with same sex attraction. He very openly shares about his faith journey and transformation in his sexuality. Davis is now a singer songwriter in Nashville, Tennessee and has many projects in the works! Davis Mallory has great music available on all streaming platforms easy to find for your listening.  This is a great conversation with three of reality TV's OGs! Learn more about your ad choices. Visit megaphone.fm/adchoices

Modeugerne brager løs rundt omkring i verden. Selv om de fleste af os ikke er inviteret med indenfor, giver begivenhederne os mulighed for at snage i, hvad de store modehuse stiller op med tidens kaos. Samtidigt kommer moden og skønheden under både kærlig og kritisk behandling i flere værker, som udkommer netop nu. Om lidt lander en ny dokumentar, hvor Tyra Banks tager bladet fra munden og indrømmer, at de nok gik lidt for vidt, dengang de fjerne unge pigers tænder, hår og værdighed i ’Americas Next Topmodel. Også i Ryan Murphys nye serie ’The Beauty’ får vi lov til at kigge med, mens eksploderende supermodeller bliver omdrejningspunktet for en vaskeægte modemassakre. Alt dette og mere til taler vi om i denne uges afsnit af Poptillægget. PANEL Fuad Gumas, model og modekender. Anbefaling: Se serien. ‘The New Normal’. Esben Weile Kjær, kunstner. Anbefaling: Se serien ‘Scream Queens’. Emma Rosenzweig, kunstner og forfatter. Anbefaling: Læs bogen ‘De guldindbefattede briller’ af Giorgio Bassani samt se filmen ’The Mastermind’. Vært: Lucia Odoom. Anbefaling: Lyt til albummet ‘Long distance’ af Ivy. REDAKTION Lucia Odoom og Jonas Bach-Madsen. See omnystudio.com/listener for privacy information.

Reigndrops, do we have a show for you. We take a quick dive into The Real Housewives Ultimate Girls Trip featuring all of our favorite OGs. And of course, we have to give flowers to our girl Nene Leakes, who is BACK on Bravo. And now onto the main dish - The Real Housewives of Potomac. Whew, the end of the Colorado trip continued to go downhill. Angel’s trip was completely snatched from her, but did she deserve it? Carlos, Dustin, Claudia, and Blue break down this bizarre finale.See omnystudio.com/listener for privacy information.

Spen breaks down the pain of being a fan as the Brooklyn Nets have recently fully embraced the tank.  Spen also shares his thoughts on each of the 5 rookies and their recent play & shouts out a few OGs that made him fall in love with this organization in the first place. Twitter: @spenharrisYoutube: https://www.youtube.com/@spennyandthenetsInstagram: instagram.com/spennyandthenetsTikTok: @Spennyandthenets

Carel van Wyk is the founder and CEO of MoneyBadger. MoneyBadger enables easy bitcoin payments at 650 thousand stores in South Africa. MoneyBadger on Nostr: https://primal.net/p/nprofile1qqsz85k206vm3vqdmlvcy9l4kyfqchlnf4hnctasxufa3ph0ck9decgpk49rf MoneyBadger on X: https://x.com/MoneyBadgerPayWesbite: https://www.moneybadger.co.za/EPISODE: 189BLOCK: 933542PRICE: 1112 sats per dollar(00:03:26) What is Money Badger? Mission and merchant focus(00:05:13) Paying anywhere in South Africa(00:05:27) 650,000 locations(00:07:04) Leveraging existing QR payment rails and the Pick n Pay breakthrough(00:10:01) How the flow works: bridging proprietary QR to Lightning(00:11:18) MoneyBadger app as translator vs. using any Lightning wallet(00:13:04) Fiat settlement, volatility handling, and business model(00:17:07) Why no Money Badger wallet? Integrations with Blink, Zeus, Aqua(00:20:20) A clever LNURL/Lightning Address pattern to decode merchant QRs(00:23:39) Pragmatic, a bit hacky, and works across wallets(00:28:04) Replicability beyond SA: Kenya's M‑Pesa, Ghana, Latin America(00:32:10) Creating demand: Bitcoin Ekasi as proof-of-use for Pick n Pay(00:35:15) Real usage: growth to ~5k tx/month and $200k volume(00:39:40) Who spends Bitcoin? From cash users to OGs and ideologues(00:42:34) Incentives and the challenge of moving the middle(00:43:42) Tax context in South Africa: capital gains thresholds(00:46:59) UX talk: tap-to-pay vs. QR, hardware realities and patience(00:49:12) Beyond POS: treasury, suppliers, and stablecoin pull(00:51:03) Bitcoin vs. stablecoins in SA usage; Luno/Binance integrations(00:55:07) Wild flexibility: paying with almost any token via partners(00:57:46) Urgency to prove Bitcoin as money before it's siloed(00:58:00) Hypothetical: Square/Cash App design vs. bridge approach(01:03:41) Consumer friction at checkout and signaling acceptance(01:07:38) Tipping, bridges to Venmo/Cash App, and cash realities(01:09:19) Call to action: spend Bitcoin to create demand(01:11:08) Wrap-up: plans to visit SA, links, and farewellmore info on the show: https://citadeldispatch.comlearn more about me: https://odell.xyz

Reality TV isn't just weekend entertainment. It's a blueprint for brand building.That's the lesson of Summer House, Bravo's long-running hit that turns everyday interactions into year-round engagement. In this episode, we break down its marketing lessons with the help of our special guest Kelly Cheng, Chief Marketing Officer at Goldcast.Together, we explore what B2B marketers can learn from playing the long game with their audience, making marketing more human by building in public, and creating a steady stream of content that keeps you top of mind long after the season ends.About our guest, Kelly ChengKelly Cheng is a seasoned marketing executive with over a decade of experience driving growth and leading successful marketing strategies for high-performing technology companies. As the Chief Marketing Officer at Goldcast, she is responsible for spearheading the company's global marketing initiatives, including brand development, demand generation, and digital marketing.Prior to her current role, Kelly served as the VP of Marketing at Goldcast, where she played a pivotal role in the company's successful rebrand and the implementation of a data-driven marketing approach. Before joining Goldcast, she held marketing leadership positions at Wistia and Dynatrace, where she demonstrated her expertise in growth marketing, media optimization, and digital acquisition strategies. Kelly's diverse background also includes experience in media planning and digital marketing at PagerDuty and Havas Media Group.Kelly holds a Bachelor of Arts degree in Communications from Boston University, where she graduated cum laude and was recognized for her academic excellence.What B2B Companies Can Learn From Summer House:Build long-term relationships with your audience. Reality TV wins through continuity. Keeping familiar faces and building trust season after season. Kelly explains, “The continuity piece is really important. Throughout the nine seasons, there's a lot of OGs that have been around since season one, and you really, really build that rapport with the audience, and people are super invested in what you do next.” In B2B, the same applies. Consistency and ongoing storytelling help audiences feel emotionally connected, not just informed. Your series or campaign shouldn't end when engagement dips. It should evolve, deepen, and reward loyalty.Build in public. Kelly draws a parallel between following a cast across nine seasons and showing your brand's journey transparently. “You're following on for nine years, learning about their development over time... It's kind of like building in public…I could just put up a show and say watch me learn about AI in marketing and watch me win and watch me fail.” B2B marketers can use this approach to humanize their brand: sharing learnings, experiments, and even missteps. The more your audience sees your process, the more invested they become in your success.Capture year-round mindshare through consistent content. Bravo doesn't just rely on one show. They have built an ecosystem that keeps fans engaged across formats and seasons. Kelly notes, “They're just really, really good at turning out content that people want to consume to keep them top of mind… There's an extra 10 months that you have to make sure that you have got air cover so people don't forget about you.” The lesson: don't go dark between campaigns. Extend your reach with follow-up content, micro-clips, events, and spin-offs. Sustained storytelling turns fleeting interest into durable brand awareness.Quote“I think there's a lot of learning in making B2B marketing a bit more human and drawing those learnings from reality TV about building in public. Because at the end of the day, you're selling software to help an individual that will ultimately help an organization.”Time Stamps[00:55] Meet Kelly Cheng, Chief Marketing Officer at Goldcast[01:08] Why Summer House?[07:13] What is Summer House?[17:37] B2B Marketing Takeaways from Summer House[36:43] Goldcast's Approach to Marketing[42:28] Goldcasts' Upcoming Agent Launches[43:29] Advice for CMOs[44:25] Final Thoughts and TakeawaysLinksConnect with Kelly on LinkedInLearn more about GoldcastAbout Remarkable!Remarkable! is created by the team at Caspian Studios, the premier B2B Podcast-as-a-Service company. Caspian creates both nonfiction and fiction series for B2B companies. If you want a fiction series check out our new offering - The Business Thriller - Hollywood style storytelling for B2B. Learn more at CaspianStudios.com. In today's episode, you heard from Ian Faison (CEO of Caspian Studios) and Meredith Gooderham (Head of Production). Remarkable was produced this week by Jess Avellino, mixed by Scott Goodrich, and our theme song is “Solomon” by FALAK. Create something remarkable. Rise above the noise. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The crew breaks down a wild NFL divisional weekend, including the Broncos shocking the Bills in OT behind Josh Allen's four-turnover meltdown, the Seahawks embarrassing the 49ers 41–6, and the Patriots holding off the Texans as CJ Stroud implodes. The Rams edge the Bears in overtime after a rollercoaster game from Caleb Williams. Quick hits cover NFL coaching chaos, playoff matchups, and major moves around the league, plus reactions to the CFP Final and NBA All-Star starters—with confusion over the new format and an Anthony Edwards snub. Rule Breakers dives into Jay Leno's loyalty debate, PlayStation letting AI beat your game for you, elite sports hate from the OGs, and headlines that spark real conversation. Sports, culture, and reckless honesty—because we don't make the rules.

Remember when Jeff and Dan Hulley were on the Enterprise episode a while back? Clearly these two guys didn't since they thought this pre-season four bonus show where we give our reactions of the two episode Starfleet Academy premiere was the first time they've been together! Anyway, special guest Katie Nickolaou joins a panel full of OGs to share her thoughts in this pre season four bonus show!

emocleW, emocleW, emocleW to the Distraction Pieces Podcast with Scroobius Pip!This is your bonus FRIDAY REWIND episode! Today, we catch up with Brett Goldstein and Jon Drever, originally episode 62 from 2015-10-07.This is a very early days episode right here, the chasm of time made only wider when you consider the career arcs of those involved in the time intervening... Jon is one of the OGs of production company Grain Media, the home of the wonderful Superbob (made by he and Brett), who has now gone on to focus on producing comedy and has been more solo since 2018 or so. Brett has always been doing comedy / writing / film, and since the huge success of Superbob has gone onto find the combination to the universe by way of Ted Lasso, Shrinking, All Of You, and indeed the (some might say) perfectly edited podcast Films To Be Buried With. Here is a snapshot of - at time of this Rewind - over a decade ago, which is such an interesting position from which to view this point in time. Enjoy, and catch all of their furture work too of course.PIP'S PATREON PAGE if you're of a supporting natureJON INSTAGRAM (links in bio)GRAIN MEDIABRETT INSTAGRAMFILMS TO BE BURIED WITHALL OF YOUPIP TWITCH • (music stuff)PIP INSTAGRAMSPEECH DEVELOPMENT WEBSTOREPIP TWITTERPIP IMDBPOD BIBLE Hosted on Acast. See acast.com/privacy for more information.

Crypto didn't remove trust — it refactored it.Which means the real question isn't whether blockchains work… it's whether the people who build them bear any responsibility for what happens next.In this episode we extend the previous conversation on crypto literacy, privacy UX, and incentive design to tackle a hard question with no clean answers:Do builders have responsibility beyond tooling?We explore the “blacksmith problem,” the myth of neutral systems, and how zero-knowledge, chain analysis, and UX choices shape outcomes — intentionally or not. This is not a price talk episode. It's about the ethics, incentives, and trade-offs embedded in decentralized infrastructure.Topics Covered • Crypto literacy and centralization of expertise • Privacy vs usability (and why it's not zero-sum) • Trust: from institutions → networks → intermediaries • The “neutral tools” dilemma in Web3 • When incentives create harm (and who owns it) • ZK systems, mixers, forensics, and emergent behavior • Builders vs system designers vs policymakersKey QuestionWhere does technical responsibility end, and ethical responsibility begin?If you're new hereThis episode continues directly from last week's cliffhanger. Go watch that one first if you want the full arc.Join the CommunityJoin the Discord for builders, OGs, privacy folks, ZK learners, and lurkers:(QR code in the video)Support the ShowLike, comment, subscribe, and clip moments that hit you. We actually watch them.For CommentersAnswer this in one word:Do builders have responsibility beyond tooling? — YES or NO?

In this episode, we're gossiping about Traitors and the post-season drama, the cast of RH Ultimate Girls trip (all the OGs to the front pleaseee), Heather Gay vs Housewife Producer, Carlos King, Angel's wack Colorado Trip, Euphoria season 3 thoughts, and Hailey Bieber vs Tik Tok Psychologist. Sit back, relax, and take a Gossip Break with us!

Vi elsker Nikki Glaser og Golden Globes. Men hvordan er egentlig Oscar-mulighetene til Norge nå? Vi må ta en prat med Vår om den dramatiske Vokteren-exiten. Også gleder vi oss fælt til heated strikkekjerring kan se på «Heated Rivarly» på HBO Max. Produsert av Ingrid Alice Mortensen.

I de seneste uger har protester spredt sig over hele Iran, og landet står midt i sin alvorligste krise i mange år. Demonstranter ønsker død over Irans religiøse leder Khamenei og hans styre. Men det er svært at vide præcist, hvad der foregår i landet. For Khamenei har slukket for internettet og gjort landet tavst. Shahin Aakjær er dansk Iran-ekspert med iransk baggrund. Han har boet i landet, taler sproget, er kandidat i mellemøststudier og holder foredrag om sin opvækst og Irans moderne historie og litteratur. I dagens afsnit fortæller han, hvordan det er at følge nyhederne uden at vide noget – imens han håber på, at den voksende splittelse i den iranske befolkning ikke udvikler sig til borgerkrig. Også Politikens seniorkorrespondent Anders Jerichow tegner et billede af krisen, og han forklarer, hvorfor Trump truer med at gribe ind militært i konflikten mellem ayatollahen og den voksende iranske protestbevægelse.See omnystudio.com/listener for privacy information.

Send us a Positive Review!With well over a million downloads since its first drop in March of 2022, the Latter Day Struggles podcast has established itself the place to find peace, healing, community, and words to describe your Latter-day Saint faith and trust crisis.  It is where thousands have come to realize that deep within themselves is a True Self capable of mapping out their own spiritual journey and integrating their Latter-day Saint background into this journey on their own terms.  In this "Best of Latter Day Struggles" episode, Valerie establishes herself as a Latter-day Saint mental health professional with a unique capacity to love her LDS faith enough talk about the beliefs and practices that are causing harm to members of the church worldwide.    The bottom line?   Healthy spiritual wellbeing is correlated with healthy mental health.  If my church beliefs and practices are making me sick in any way--these beliefs need to be courageously examined.    To those of you who have been on this journey since Valerie started the podcast (the "OGs") and to those who just learned about it last week and do not know where to start--pleasea enjoy this classic episode that got Latter Day Struggles on the map and has led to the healing of thousands of people in LDS faith crisis in the past 3 years. Timestamps:00:00 – Introduction and Overview02:06 – Four Stages of Faith Development04:28 – Moving Beyond Stage 108:06 – Limitations of Stage 212:02 – Moving Toward Stage 414:43 – Contextualizing Faith Traditions15:28 – Stages in World Religions16:01 – Institutional Roles in Faith Development16:32 – Supporting Complexity and Skepticism18:00 – Therapist's Perspective19:02 – Healthy Family Systems and Faith Development20:48 – The Role of Adolescence22:01 – Ownership of Belief24:43 – The Dangers of Over-Resistance26:37 – Richard Rohr's Perspective on Faith Development28:34 – Transitioning to Complexity31:49 – Hope Beyond Skepticism34:07 – Institutional Challenges36:58 – Misconceptions About Atonement38:44 – Institutional Self-Reflection40:09 – Marginalization and Fear-Based Narratives43:00 – Letters from Listeners: Shock and Isolation46:59 – Ambivalence and Hope in Skepticism50:03 – Understanding Faith Development Stages53:45 – Creating True Community56:00 – Transitioning Through Chaos57:30 – The Emptiness Stage59:00 – Achieving True Community01:01:00 – Maintaining True Community01:03:00 – Conclusion and Call to ActionSupport the showSupport the show Listen, Share, Rate & Review EPISODES Friday Episodes Annual Access $89 Friday Episodes Monthly Access $10 Valerie's Support & Processing Groups Gift a Scholarship Download Free Resources Visit our Website

The Valley: Persian Style might be one of the best new shows out right now and we're breaking down exactly why. From the OGs they brought back to the spot-on casting, this show had us hooked immediately. We're already fully invested in every new person and couple, and the mix of Middle Eastern culture, real marriage struggles, tested friendships, over-the-top parties, and honest parenting dynamics makes it a 10/10 must-watch. On today's episode, we recap the first two episodes and give our unfiltered opinions on what each cast member is dealing with. We talk marriages under pressure, friendships being pushed to the limit, wrong moves that are already causing tension, and what we think is coming next. If you're watching The Valley: Persian Style or thinking about starting, this episode is for you. Follow Us On ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us On ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us On ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon ⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

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Welcome to Episode 322 of the Level Up Latina Podcast, the very first episode of 2026.  In true LUL fashion, we're starting the year grounded, intentional, and in community. For our new listeners, bienvenidas; and to our OGs, thank you for continuing to grow with us. In this episode, the women of LUL reintroduce ourselves, not just with what we do, but with who we are becoming. This conversation was recorded on Three Kings Day, and while Coach Cecy was in the kitchen baking not one, but two roscas, inspiration struck. It felt like the perfect moment to pause and talk about new year intentions, not resolutions rooted in pressure, but intentions anchored in alignment, purpose, and grace. As always, there is so much wisdom in shared experiences. Each of us brings our unique talents, gifts, and perspectives to the table, with the hope of reminding you that your growth matters, your voice matters, and your dreams are valid. This episode is an invitation to reflect, realign, and Level Up together as we step into a new year with clarity, confidence, and corazón. 

SHOW US SOME LOVE BY SUBSCRIBING TO OUR PATREON! patreon.com/KeepingUpWithTheNerds   We partnered with Dubby to bring you your new favorite energy drink!  Check out dubby.gg and use code "KEEPUPNERD" for 10% off your next order.   After almost 10 years and 5 seasons, Stranger Things finally comes to an end. One of Netflix's OGs and highly rated shows puts The Nerds in a over month long conflict of binging and waiting for every part to drop. So, was it worth it? Did the show flip their upside-down expectations, or flop hard enough to land in the Abyss?   This Issue is Brought to You by: Bryan Quevedo, Rene Bravo & Nick Valero   Podcasts can also be found here! YouTube: https://tinyurl.com/y6luw7uq Spotify: https://tinyurl.com/y4q64run Apple Podcasts: https://tinyurl.com/y4ztkn2o   Follow us on our socials! Instagram: https://www.instagram.com/keepingwiththenerds/ Twitter: https://twitter.com/KeepitNerds Ask us questions and leave us a like and comment! Don't forget to subscribe and leave a follow!

On this week's Extra Serving, NRN editor in chief Sam Oches and executive editor Alicia Kelso discuss the latest restaurant industry news, including the rise in protein menus across the restaurant industry and the news that Sprinkles Cupcakes had shuttered. They also offer their five resolutions for the restaurant industry in 2026. First up is protein, which is surging on menus as more consumers embrace high-protein diets. From Chipotle to CAVA and Shake Shack to Dunkin', major chains are rolling out new menu items and in some cases entire menus dedicated to protein. Sam and Alicia discuss the trend and what it says about the broader health movement going on in the U.S. Speaking of which, one of the OGs of the 2000s cupcake craze appears to have shuttered its doors; Sam and Alicia unpack the news that Sprinkles Cupcakes was no more. Could this be a sign that hyper-focused concepts serving a limited menu could be a thing of the past? Or is it a broader indictment of the treat industry? Finally, Sam and Alicia offer their five resolutions for the restaurant industry in 2026, from improving four-wall economics to enhancing the hospitality experience. For more on these stories: Chipotle launches a High Protein MenuSprinkles has closed all its locationsPanera unveils strategic plan to ‘return to its apex'

With Mark Grenon and Jim Humble, she is one of the three innovators who were there at the start of the chlorine dioxide (CD) revolution fifteen years ago. I call them the OGs: the original gangsters.Support the show

DBAD is back. A lot has happened in the almost 3 years since Gretchen last sat behind the mic. A marriage. A loss. A beautiful baby girl. A stack of business awards. A little PPD/PPA. And a lot of lessons. And now, she's back.In this episode, Gretchen reintroduces herself to new listeners and reconnects with the OGs, sharing what's coming each week and the five lessons that shaped her in 2025. Honest, reflective, and straight to the point, this is the reset, and the reminder, you didn't know you needed.

The OGs are Reacting to Gigi Delana once again! this time she is singing "Angel Baby"   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com For Podcast Inquiries: agnbpodcast@gmail.com    Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Comment for more video ideas below! Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

The OGs are Reacting to Gigi Delana once again! this time she is singing "Angel Baby"   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com For Podcast Inquiries: agnbpodcast@gmail.com    Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Comment for more video ideas below! Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

The OGs react to Puff Daddy's Netflix Documentary    Sean Combs "The Reckoning"   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com For Podcast Inquiries: agnbpodcast@gmail.com    Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Comment for more video ideas below! Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

The OGs react to Puff Daddy's Netflix Documentary    Sean Combs "The Reckoning"   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com For Podcast Inquiries: agnbpodcast@gmail.com    Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Comment for more video ideas below! Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

The Last Trade: Matt Odell on the 2025 postmortem: why BTC lagged gold, how DATs wrecked sentiment, what the quantum debate gets wrong, and what changes when institutions take the wheel.---

Today, Meaghan Dorman is rightfully considered one of the OGs of New York's craft cocktail movement—but breaking into the scene wasn't always so straightforward. Her entry point? Answering a Craigslist ad for a mysterious new speakeasy in Chelsea called Raine's Law Room. That gig would ultimately lead to Dorman opening an equally—if not more—celebrated bar with her partners a few years later: Dear Irving.From reviving and perfecting the Gibson to setting a new standard for guest experience, Dear Irving became an instant classic, eventually expanding to two more locations and solidifying Dorman's reputation as one of the city's great hospitality minds.Meaghan joins Adam in the studio to share how it all started, how the bar evolved over the years, and what she's learned from building one of NYC's most beloved cocktail institutions.Follow us: https://www.instagram.com/buildoutpodcastDear Irving: https://www.instagram.com/dearirvingMeaghan Dorman: https://www.instagram.com/gingerrickeyVinePair: https://www.instagram.com/vinepairHosted by VinePair Co-Founder: https://www.instagram.com/adamteeterProduced and edited by: https://www.instagram.com/dolldoctor Hosted on Acast. See acast.com/privacy for more information.

This episode feels full circle in the best (and messiest) way possible.Devin Walker joins The Challenge Fandom Podcast for the FOURTH time — and somehow, every milestone episode we've ever had.✔️ Our first-ever guest✔️ Our 100th episode guest✔️ Our 200th episode guest✔️ And now… one of our final interviewsIf this really is the end of an era, we couldn't imagine starting this closing chapter with anyone else.In this wide-ranging, no-filter conversation, Devin breaks down everything fans have been arguing about all season from The Challenge 41 rookies and alliance chaos, to production decisions that have quietly hurt the game for years. Nothing is off-limits, and yes… tea is absolutely spilled☕️We get into:• Devin's honest thoughts on The Challenge 41• Were the rookies actually good… or just lucky?• Why Turbo gets very weird with female partners• Newer challengers throwing shade (and disrespect) at CT• What production has been getting wrong for YEARS• Why watching the OGs doesn't hit the same anymore• The cheating during the mini-final eating portion and whether Devin would've cheated too• How revealing mini-finals really are• Which rookies Devin had his eye on all season• Which vet could've won it all if alliance structure didn't screw them• How Michele Fitzgerald would've completely changed the game• Devin's thoughts on The Traitors and Tom Sandoval• Jordan Wiseley's new project Champ Camp• Board games, football, music, and random Devin chaos• What fans actually need to do to get their favorites cast on The Challenge 42• And finally… Devin's thoughts on us leaving CFP, what's next, and what HE wants to build with US moving forward!This episode is the first of several “going away gifts” for the Challenge fans who supported us through every era of this podcast. More interviews. More honesty. More calling things out. More debates about what The Challenge needs to do next if it wants to survive.If you love The Challenge, Devin Walker, reality TV strategy, behind-the-scenes insight, and unfiltered opinions - this one's for you.

James van Straten is Senior Analyst at CoinDesk and Bullish, where he conducts in-depth structured research on Bitcoin. James hails Bitcoin as the 21st century's paramount invention.› https://x.com/btcjvsPARTNERS

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This week on Southern Charm, Craig gets left by Austen at his stars and stripes party, Venita reveals a personal surgery Molly had, Charley's pick me petals begin to bloom and more plus in pop culture, I discuss the upcoming 20th anniversary of housewives and the return of several OGs, and a shocking story about Elvis and John Travolta (pop culture roundup begins around 24 minute mark)!Follow me on social media, find links to merch, Patreon and more here! Hosted on Acast. See acast.com/privacy for more information.

I ugens Radio Information sætter vi os om et fiktivt julebord og taler om ytringsfrihedens vilkår i Europa, om Informations nu Cavling-nominerede F-35-serie og om August Strindbergs notoriske kvindehad – ikke mindst til maleren Sofie Holten --- Hvad har den tidligere britiske fodboldspiller Joey Barton til fælles med den folkekære irske forfatter Sally Rooney? Svar: De er begge ramt af de stadigt mere snævre rammer for ytringsfrihed i Storbritannien.  Barton modtog for nylig en dom på seks måneders betinget fængsel, 200 timers samfundstjeneste og i alt cirka 200.000 pund for sine antifeministiske og anstødelige kommentarer på nettet om en kvindelig fodboldkommentator. Og Sally Rooney risikerer at blive anholdt, hvis hun lander i Storbritannien, fordi hun vil donere penge til Palestine Action, der arrangerer demonstrationer, laver blokader og opfordrer til civil ulydighed.  Også i Tyskland bliver tusindvis af mennesker retsforfulgt på grund af ytringer på internettet. Og i Danmark har vi de seneste år haft en række sager om såkaldt »billigelse af terror«. Så har den amerikanske vicepræsident, J.D. Vance, ret, når han siger, at Europa har et problem med ytringsfriheden? Mathias Sindberg udlægger sagen. Den 9. januar bliver Danmarks fineste journalistpris, Cavling-prisen, uddelt, og Information er igen i år blandt de nominerede. Sammen med journalister fra DanWatch har Sebastian Gjerding og Lasse Skou Andersen afdækket, hvordan dansk militært udstyr er endt i Israel og blevet brugt til at bombe i Gaza – på trods af de vedvarende anklager om Israels krigsforbrydelser og forbrydelser mod menneskeheden. De to kigger forbi og fortæller om deres nu prisnominerede projekt. Vi får også besøg af Lone Nikolajsen og Peter Nielsen, som begge bidrager til årets julekalender, Bordplanen. Her fortæller skiftende journalister om en kendt person – levende eller død – som de gerne ville sidde ved siden af til et middagsselskab. Nu er der imidlertid sket det, at Lone har inviteret en notorisk kvindehader, August Strindberg, til bords, som har et personligt mellemværende med Peters borddame, Sofie Holten – så nu er der lagt op til skandale ved årets fiktive julebord. Hør, hvad det alt sammen går ud på – og få rigelige mængder sladder fra den fælles kulturhistorie.

HAPPY THURSDAY COUSINS!!!This week we had Marlon and Duke from the Extra Gravy Show Podcast! We were so excited to have them on and we had some gooood conversations!From Black sitcom nostalgia to whether Toronto is really ready for its own Breakfast Club moment, we talk growth, respect, generational gaps, and what it means to build something meaningful in Canadian media. If you care about culture, ownership, and where the next wave is coming from, this one's for you.Grab your snack, turn up the volume, start your chores or go for a drive and hang with your cousins for another chaotic, wholesome episode. Thank you for the endless love, your messages, your comments, EVERYTHING.WE LOVE YALL SO MUCH ❤️Amir & SaraFollow us on Instagram:Extra Gravy Show Podcast - https://www.instagram.com/extragravyshow/https://www.youtube.com/⁨ExtraGravy⁩ @cousinconnectionpod - https://bit.ly/3n1QPk9AMIR - https://bit.ly/3HDFXAISARA - https://bit.ly/3zv1J6ZFollow us on:Tiktok | https://bit.ly/32PtwmApple Podcasts | https://apple.co/3yW9RvpSpotify | https://spoti.fi/3C8l1PJand every other streaming service, search 'Cousin Connection Podcast'----------------------------------------------------------------------------------------------------

SHOW US SOME LOVE BY SUBSCRIBING TO OUR PATREON! patreon.com/KeepingUpWithTheNerds   We partnered with Dubby to bring you your new favorite energy drink!  Check out dubby.gg and use code "KEEPUPNERD" for 10% off your next order.   The OGs are running the show this week as The Nerds tackle one of gaming's biggest nights of the year, The Game Awards.  With plenty of people in the gaming industry hyping this night to be one of the biggest events in terms of recognition and announcements, The Nerds take a personal look at these claims.  Are the days of summer announcements over?  Do The Game Awards actually matter?  This, alongside Bryan's Supernatural binge review and a surprise Supergirl teaser trailer drop, makes this issue light on The Nerds, back still packed with content.   This Issue is Brought to You by: Bryan Quevedo, Rene Bravo & Nick Valero   Podcasts can also be found here! YouTube: https://tinyurl.com/y6luw7uq Spotify: https://tinyurl.com/y4q64run Apple Podcasts: https://tinyurl.com/y4ztkn2o   Follow us on our socials! Instagram: https://www.instagram.com/keepingwiththenerds/ Twitter: https://twitter.com/KeepitNerds Ask us questions and leave us a like and comment! Don't forget to subscribe and leave a follow!

We Found the Best ONE SWEET DAY Cover That Gives Chills   OGs React to One Sweet Day - Cover by Khel, Bugoy, and Daryl Ong feat. Katrina Velarde Watch our reaction to the amazing cover of One Sweet Day by Khel, Bugoy, Daryl Ong, and Katrina Velarde that gave us chills! OGs react to this incredible rendition that will blow you away.   Listen to the All Gas, No Breaks podcast here, and wherever you stream podcasts.   For Business Inquiries: santiago.consultant@gmail.com For Podcast Inquiries: agnbpodcast@gmail.com Click Here To Subscribe! Instagram - @agnbmarketing Instagram - @agnbdmv Cash App - $agnbpodcast Comment for more video ideas below! Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

We Found the Best ONE SWEET DAY Cover That Gives Chills   OGs React to One Sweet Day - Cover by Khel, Bugoy, and Daryl Ong feat. Katrina Velarde Watch our reaction to the amazing cover of One Sweet Day by Khel, Bugoy, Daryl Ong, and Katrina Velarde that gave us chills! OGs react to this incredible rendition that will blow you away.   Listen to the All Gas, No Breaks podcast here, and wherever you stream podcasts.   For Business Inquiries: santiago.consultant@gmail.com For Podcast Inquiries: agnbpodcast@gmail.com Click Here To Subscribe! Instagram - @agnbmarketing Instagram - @agnbdmv Cash App - $agnbpodcast Comment for more video ideas below! Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

Largest Biker Gang Bust in Georgia HistoryToday on Black Dragon Biker TV, we are breaking down what is now being called the largest motorcycle gang conviction in Georgia state history — and the implications are far bigger than just one case.On a December morning at 11:31 a.m., Georgia Attorney General Chris Carr announced the conviction of 15 members of the Southeast Georgia Chapter of the Outcast Motorcycle Club in Bryan County.The case stems from an attempted armed robbery and shootout that took place on June 17, 2022, at Flacos House Bar & Grill and the Red Roof Inn on Highway 17 in Richmond Hill.According to prosecutors:Innocent bystanders were caught in the crossfireSix members of a rival gang were targetedFirearms were usedAnd the state pursued the case aggressively from top to bottomJust 17 years after donning the 1%er diamond in Georgia, the Outcast MC now finds itself placed squarely in the national spotlight of biker gang prosecutions, alongside the so-called “Top 5” white outlaw motorcycle clubs.⚖️ This Is Bigger Than One CaseThere's a reason Black motorcycle clubs historically avoided the 1%er diamond when it first appeared in 1958 — and it had nothing to do with toughness, heart, or organization.The OGs understood something critical:Juries judge Black skin differently. Then. And now.They knew the diamond didn't just represent outlaw status —it represented enhanced scrutiny, enhanced charges, and enhanced punishment.That diamond painted a target squarely on the chest. So What Is “Patch Policing” Really Called in Court?Here's the truth:In the courtroom, patch policing isn't called “protocol.”It isn't called “club business.” It's called ARMED ROBBERY. And the sentence is 20 years.Today, we'll break down:How club conduct gets reframed by prosecutorsWhy juries don't hear “MC culture” — they hear “organized crime”How enhanced charges are built around patches, colors, and associationAnd why this case should serve as a warning to every MC wearing a diamond

This week on the StressLess Camping RV Podcast we get to speak with one of the OGs of RV blogging and hear some of the fun stories and incredible challenges it took to do what we do today. And, he's still doing it today. But Chuck Woodbury has some great shares from his days on the road.  We also have an RV gadget we knew we wanted but we have become big fans of.  You can find this week's podcast at our home on the web or wherever you enjoy getting podcasts: https://www.stresslesscamping.com/podcast/0337 The StressLess Camping podcast is a weekly RV podcast with information, tips and tricks to help every RVer and camper enjoy some StressLess Camping

Nile Lundgren steps Behind The Rope. Owning Manhattan's Nile Lundgren that is. Nile is here to break down all that one can expect from the just released Owning Manhattan Season Two. Nile talks Ryan Serhant, cast mate drama, what really went on between the OGs and newbies, NYC, and, of course, real estate. Finally, Nile dishes on what it was like to star on Bravo's gone, but never forgotten, one season wonder “Camp Getaway”. @nilelundgren @owningmanhattan @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: MICROPERFUMES - microperfumes.com/velvet (Up To 60% Your Favorite Perfumes In Pocket Sized Vials) RO - ro.co/velvet (For Prescription Compounded GLP-1s and Your Free Insurance Check) RAKUTEN - rakuten.co.uk (Go To Rakuten.co.uk, Download The App Or Install The Browser Extension To Earn Cash Back While You Shop At All Your Favorite Stores) PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) HOMESERVE - homeserve.com (Home Owners Insurance That Start At Just $4.99 a Month) ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198 Learn more about your ad choices. Visit megaphone.fm/adchoices

For the OGs and diehards who've ridden with us through every Georgia Wrestling Spotlight… this one is for you. It's a nostalgia trip, a victory lap, and a love letter to the scene all rolled into one.In this special episode, we cover:ACTION Wrestling's big announcementIndy Rewind1FW Block (Watkinsville & McDonough)ACTION Wrestling (Tyrone)SCA (Royston)Southern Fried (Monroe)Bullpen Pro (Ranburne, AL)Passion of Wrestling (Swainsboro)Who Won the Week?Making the Drives:1FW's Gainesville/Stone Mountain/Watkinsville runSCA in RoystonViral Pro in AugustaWrestlemerica in ForsythScrappy Championship Wrestling in RoystonFollow Tapped Out Podcast Network:• Facebook: facebook.com/tappedoutpod• Instagram: instagram.com/tappedoutpod• X (Twitter): x.com/tappedoutpod#GeorgiaWrestlingSpotlight #OneLastTime #GAIndyWrestling #TappedOutPod #1FW #ACTIONWrestling #SFCW #SCA #BullpenPro #Wrestlemerica #ViralPro #SupportIndyWrestlingSupport our sponsors at:Lytmi Earbuds:Official Website Link: https://tinyurl.com/mpwd6mdn (10% discount with the code: tappedoutpod )Amazon Exclusive Discount Link: https://amzn.to/3XqRFsW (Limited-time $20 discount)If you are looking for an easy way to clip your content and add captions too, check out Opus.Pro with the link below. It's what we use and it says HOURS of our time athttps://www.opus.pro/?via=tappedoutpodFor your life insurance needs, contact Nick McDaniel at: https://www.facebook.com/NickMcDanielWoodmenLifeGet your tix to upcoming events at: Vet Tix: https://www.vettix.org/Email: tappedoutpod@gmail.com

This After Hours session goes completely off the rails in the best way possible. The crew taps in with Bay Area comedian Lewis Belt who walks in ready to talk his talk, stir the room up, and turn the night into a full-blown unfiltered hangout. From the moment he sits down, the conversation jumps from jokes to real-life lessons, setting the tone for an episode that feels like a mix of storytelling, therapy, and pure late-night chaos.The crew dives into everything, relationships, sex, social media, how men and women move differently in today's world, and why everybody swears they're “raised by OGs, not IG.” Holly brings her signature honesty, breaking down dating from a woman's perspective, while the guys talk about aging out of the nightlife, why some cities make dating easier than others, and why nobody wants to be the “old player” still acting young.Things get even crazier when Lewis opens up about his time on a reality dating show, explaining how being locked in a house with no phones, no music, and no distractions changes the way you connect with people. The crew laughs at the wild stories, but also taps into real lessons about communication, growing up, recognizing patterns, and learning what you actually want from someone.The episode winds through strip club culture, city to city dating differences, old flings, new standards, and the hilarious misunderstandings that happen between men and women every day. Every topic turns into a story, every story turns into a debate, and every debate turns into a moment that could only happen After Hours.This is one of those episodes where you feel like you're sitting on the couch with the crew, laughing at the madness and picking up gems at the same time.

We discuss the latest in the Vanderpump Rules world with both the new cast and the OGs, then get into this week's Salt Lake City and finish covering all the Southern Charm drama! It's getting juicy! Timestamps below!SHOW NOTES: TimeStamps: VPR Catchup & Updates 0- 30 minSalt Lake City: 30-53 minSouthern Charm: 53-1:27Head to https://homeaglow.com/PUMPERS to get your first 3 hours of cleaning for only $19. Thanks so much to Homeaglow for sponsoring this episode!Find your scent soulmate and try top designer brands at www.microperfumes.com/VPR for up to 60% off !For bonus content, giveaways and VPR Trivia events and hangouts, visit www.patreon.com/vanderpumprulespartyThis podcast uses the following third-party services for analysis: Magellan AI - https://docsend.com/view/5vdvbdx7cr4tikmyClaritas - https://claritas.com/privacy-legalPodscribe - https://podscribe.com/privacy

Send us a text@ConcreteGeniusPod — Sauce MackenzieIn this episode, Sauce breaks down the truth about neighborhood pride, street codes, childhood trauma, real gangster ethics, and why the hood stopped being a community and turned into chaos.Sauce covers:– What “repping your hood” used to mean– Why today's hoods don't protect kids or elders– The real OGs vs. the fake OG era– Stories from Gary, Indiana that shaped him– Childhood fights, alliances, protection, loyalty– Why pedophiles get protected more than kids– Why bullying your own neighborhood makes you a coward– How trauma shapes manhood and violence– Why gangsters used to have morals– Why Sauce fought to protect kids—in the hood and in prisonIf you love raw truth, psychology, street history, storytelling, and real accountability…This is one of those episodes.

In this powerful episode of Gangland Wire, retired Intelligence Unit detective Gary Jenkins sits down with Tegan Broadwater, a former Fort Worth Police officer, musician, and undercover operative whose story reads like a movie script. Broadwater takes listeners on a riveting journey from his early years as a professional musician to his dramatic turn infiltrating one of America's most dangerous street gangs—the Crips. Drawing from his book Life in the Fishbowl, he details how music, culture, and human connection became unexpected tools for survival and success inside the underworld. Listeners will hear: How Tegan Broadwater transitioned from touring musician to undercover police officer, bringing creativity and adaptability to the streets. The story of his two-year infiltration into the Crips—posing as a South Texas drug dealer with the help of a trusted informant. His insights into gang hierarchy, loyalty, and manipulation, and how understanding culture was key to earning trust. The moral challenges of living undercover—forming friendships with men he would eventually arrest. The emotional impact of a major gang raid that ended with over 50 arrests, and how it changed his outlook on justice and humanity. His decision to donate proceeds from his book to the children of incarcerated parents aims to break the cycle of violence. He continues to share lessons on leadership, empathy, and cultural understanding through his private security firm and new podcast projects.   Broadwater's story isn't just about crime and undercover operations—it's about identity, compassion, and the human cost of violence. This episode offers a rare look at what it means to live behind a mask while still holding onto one's purpose.

In this powerful episode, Jannese sits down with Jessica Fick of The Fioneers to break down one of the most game-changing concepts in the financial independence movement: Coast FI.If the traditional FIRE path has ever felt too intense, too extreme, or too unrealistic (hello, $20k/year budgets and biking everywhere), this conversation will feel like a breath of fresh air.Jessica shares how she and her husband hit COAST-FI in their early 30s, how stepping off the corporate treadmill unexpectedly increased their savings rate, how they stopped using money to cope with burnout, and how Coast FI ultimately gave them the freedom to build a life aligned with their values — travel, entrepreneurship, flexibility, and joy.If you've ever wondered: “Is early retirement even realistic for me?” or “What would it take to never HAVE to work again?” this episode is your blueprint.

Reality television pioneers and OGs, Beth Stolarczyk and Jon Brennan, catch up about Thanksgiving, Challenge 41 and their new projects.  They look forward to having Cedric Hodges back on the podcast.  You know Cedric from CBS Big Brother and MTV's The Challenge “Vets & New Threats”.  Beth picks Jon's brain about his new song release, “Tell Me That There Ain't A God" and the music business and he is reminded about what a great gift idea Beth's Eyelusion Lashes are for loved ones.  Jon's song, music video and merchandise is available at jonbrennan.com and Beth's lashes at eyelusionlashes.com .  You can follow the this podcast's social media accounts on Instagram, Facebook and TikTok. Learn more about your ad choices. Visit megaphone.fm/adchoices

BravoCon may be over but we are still recovering and the gossip keeps flowing. More podcast feuds have erupted.  Sai and Madison LeCroy smack each other down in a feud we did not know how much we needed - for many reasons. RHUGT Road Trip is coming with some fan fav OGs and all. Andy Cohen is still mad at Jeff Lewis. Kelly Dodd's exorcism is revisited. Nasty texts from Housewives and strange behavior from one irrelevant RHOM are exposed. Kathy Hilton and Sutton Stracke's houses are broken into as a result of the 3 day extravaganza and oh so very much more with very special guest, Vanessa Reiser, or as you like to call her, Luis Ruelas' ex. What a way to bury the lead.  To purchase Vanessa's book, “Narcissistic Abuse: A Therapist's Guide to Identifying, Escaping, and Healing from Toxic and Manipulative People” Head to Amazon or visit the link in Vanessa's Bio at @vanessareiserlcsw. @behindvelvetrope @davidyontef Learn more about your ad choices. Visit megaphone.fm/adchoices