Podcasts about ogs

"Da Moses gikk inn i Åpenbaringsteltet for å tale med Ham, hørte han Røsten tale til seg fra nådestolen over Vitnesbyrdets ark. Ut fra stedet mellom de to kjerubene talte Røsten til ham." (4. Mos. 7,8-9)Moses hadde vært sammen med Herren oppe på fjellet og hørt Ham snakke der. Nå var Åpenbaringsteltet, eller Tabernaklet som det het, ferdig laget og reist, og prestene hadde ofret gaver og innviet alteret, alt slik som Herren hadde sagt de skulle. Spenningen var kanskje stor da Moses gikk inn i teltet. Ville Herren møte ham også der?Også der hørte Moses den kjente stemmen, Røsten. For en lettelse! Den kom fra nådestolen, et merkelig navn på lokket til kista med lovtavlene i. Det får meg til å tenke på Jesu tronstol.Den står i nådens tronsal, hvor Han som Øversteprest møter oss med medlidenhet, forteller Bibelen (Hebr. 4,15-16). Der kan vi få komme med frimodighet, få miskunn og finne nåde som gir hjelp i rette tid. For Gud er ikke en Gud bare når vi er på høydene, Han er der også i dalene, hver dag på hele livsreisa vår (1. Kong. 20,28)!Ja, tenk det, at vi kan få komme fram i nådens tronsal, fram for nådestolen der Gud lar sin stemme høre! Og vi kan få komme med frimodighet og finne nåde som gir hjelp i rette tid. Det er stort, det!Skrevet og lest av Eli Fuglestad for Norea Håpets Kvinner.

While Corey is on vacation, the OGs talk about eyes, books, and the museum experience. No, really!

Lungesykdom, Netflix-dokumentar, rettssak - og nå også Epstein. Det er tøffe tider for kongefamilien og oppslutningen faller. Men dette er ikke første gang kongehuset går gjennom store skandaler. Tidligere slottsansatt og statsviter Carl-Erik Grimstad mener kongehuset trenger reform. Også med politisk redaktør Kjetil Alstadheim. Foto: John Myhre / Aftenposten

What We Cover In This Episode: Why the curated Instagram version of studio ownership is a lie and how to stop letting digital personas make you feel like garbage [7:06] Practical ways to solve your staffing bottlenecks without committing to a $60k salary before you're ready [14:50] When it's okay to play it safe with your OGs while migrating the rest of your studio to a modern pricing menu [16:20] Why you shouldn't let ChatGPT or "integrated tech stacks" replace the manual TLC your systems actually need [18:09] A reality check on why teaching classes and working the front desk isn't "failing" [19:39] How to stop waiting for the stars to align and start making tweaks that increase clarity this quarter [21:26] Why there should be zero shame in admitting that you need to pivot in business [23:47] Quotes:  "If you want a certain income out of the studio, you are going to have to be an employee of the studio as well to get that income. What is practical is teaching half of your classes or a third of your classes and building up instructors." [Nick, 20:04] "I don't think teaching at your own studio is the end of the world, I don't think doing your front desk is the end of the world. I think that is probably where you should be until you realize 'hey, I can coach someone up to do this.'" [Nick, 20:46] "Stop delaying launches or changes until everything is ready. Instead make decisions that reduce stress and increase clarity, this quarter, not some day." [21:33] "It is just about making progress, taking steps, sometimes taking risks, sometimes playing it safe because the risk is not worth the time it will put out on the other end." [25:31] "Practicality is usually the bridge to the outcome you want." [25:55]   LINKS:    Episode 323: Delegation for Studio Owners Who Do Not Have a Manager Yet Email Us Your Rapid Fire Question!  Book a Call with the fitDEGREE Team Learn More About All of Our Partners (Including LoopSpark & LezVU) and Get Exclusive Offers Visit the fitDEGREE Knowledge Base Send Megan Your Playlist or Discuss the Podcast Here!  fitDEGREE's Business Portal support@fitDEGREE.com https://www.instagram.com/fitdegree/ ​​https://www.instagram.com/fitspot_guru/  https://www.fitdegree.com/blog  https://www.youtube.com/channel/UChJ5rK6zWPXjbxtUQx3ys9Q https://www.tiktok.com/@megan_fitdegree  

EPISODE 156 | The Shape of Water: Loch Ness and Other Lake Monsters People have been talking about a supposed water creature in the Scottish Highlands for at least 93 years, possible much longer. Everyone has heard of the Loch Ness Monster, and Nessie is one of the OGs of the cryptid world. But there are plenty of other, similar reports from around the world as well, like Ogopogo, Manipogo, Cressie, Kushii, Nahuelito and even one named Larry. Like what we do? Then buy us a beer or three via our page on Buy Me a Coffee.  Review us here or on IMDb. And seriously, subscribe, will ya? Like, just do it.  SECTIONS 01:21 - Down to the Waterline - First sightings of Nessie; photos, corpses, hoaxes and jokes 16:19 - Creature from the Black Lagoon - The Wels catfish, Loch Ness is weird, serious expeditions, Nessiteras rhombopteryx, Operation Deepscan, a DNA survey of the loch, eels, Norag, Muc-sheilche, kelpie, Life of St. Columba, Fredrick William Holiday and The Great Orm of Loch Ness (and more) 32:10 - Lake of Fire - Sea serpents, Hydrarchos, Canada's Ogopogo 40:20 - Down by the Water - Igopogo (or Bessie), Manipogo, Winnepogo, Memphré, Champ, Mussie, Cressie, Chessie, the Turtle Lake Monster, the Seelkee 48:05 - Song of the Lake - Mokele-mbembe, the Great Zimbabwe Theory 51:08 - Don't Drink the Water - Lukwata, Nsanga, Nyami Nyami, Irizma, Kusshii, the Lake Tianchi Monster, Phaya Naga, Seri Gumum, the Bunyip, the Muldjewangk, the Hawkesbury River Monster, the Maningrida Monster (Mannie), the Taniwha, the Tsmok, Anguila Peluda, the Lariosauro (Larry), the Lagarfljót Worm, the Gryttie, the Zegrze Reservoir Monster, Teggie, the the Devil Whale of Lake Tota, Nahuelito, people naturally attach to stories Music by Fanette Ronjat More Info Episode 99 | A Bridge Too Far: The Mothman Visits Point Pleasant Episode 132 | Keel Hauled: UAP Update Loch Ness monster on Britannica The Loch Ness Monster Turns 83: The Story of The Surgeon's Photograph The Beast of Loch Ness pages on Nova Online Loch Ness Monster on Non-alien Creatures Wiki  Lake Monsters on Cryptid Wiki The Lake Monsters of America on Atlas Obscura (with map) Lake Monsters on A Book of Creatures Follow us on social: Facebook X (Twitter) Other Podcasts by Derek DeWitt DIGITAL SIGNAGE DONE RIGHT - Winner of a Gold Quill Award, Gold MarCom Award, AVA Digital Award Gold, Silver Davey Award, and Communicator Award of Excellence, and on numerous top 10 podcast lists.  PRAGUE TIMES - A city is more than just a location - it's a kaleidoscope of history, places, people and trends. This podcast looks at Prague, in the center of Europe, from a number of perspectives, including what it is now, what is has been and where it's going. It's Prague THEN, Prague NOW, Prague LATER 

A 4 hour special edition combo of The Secret Teachings and Ground Zero, the OGs of Super Bowl Occultism in one place. *The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.WEBSITEFREE ARCHIVE (w. ads)SUBSCRIPTION ARCHIVE-X / TWITTERFACEBOOKINSTAGRAMYOUTUBERUMBLE-BUY ME A COFFEECashApp: $rdgable PAYPAL: rdgable1991@gmail.comRyan's Books: https://thesecretteachings.info EMAIL: rdgable@yahoo.com / rdgable1991@gmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-secret-teachings--5328407/support.

It may be winter now, but we're heading back to the Summer House for season 10! It's the start of a new era for the show with a lot of new faces and some of our OGs set to join a spin-off. Kyle & Amanda's split took center stage in the premiere, and we're very curious to see how that will play out. Here to chat about it all with us is our friend Matt Liguori!Don't forget to follow us @letschatreality and subscribe wherever you get your podcasts. Thanks for listening!

Flere kommuner vurderer nå sammenslåing som en del av løsningen på sine utfordringer med mangel på penger og arbeidskraft.Sist torsdag signerte ordførerne i Gjøvik, Østre og Vestre Toten en intensjonsavtale om sammenslåing - etter to år med utredninger og diskusjoner. Les mer på nettsiden for sammenslåingenHelt nord i Innlandet har Lesja og Dovre startet en prosess for sammenslåing.Kommunekommisjonen sier i sin første utredning at større kommuner har bedre forutsetninger for å bruke ressurser og tilby tjenester effektivt, og for å drive godt omstillingsarbeid. I sin neste utredning skal kommisjonen se på hvordan staten kan gjøre det lettere for kommuner å slå seg sammen eller samarbeide tettere – blant annet gjennom økonomiske insentiver.Også generalistkommuneutvalget var krystallklare i sine anbefalinger i 2023: Hvis alle kommuner skal klare å løse alle sine oppgaver, må mange slå seg sammen og bli større. De etterlyste en aktiv statlig politikk for å stimulere til det. Hosted on Acast. See acast.com/privacy for more information.

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/

r8Dio sender et UVR live live afsnit. Men det, der skulle have været sendt fra Stjernens fineste studie, bliver i stedet sendt fra Klavs bil og bolig. Der er nemlig faldet over 70 cm sne i Skuldborg. Lytterne skal dog ikke nøjes med Klavs. Også Allan Sindberg, Luna, Rune og selveste Søren Ryge medvirker. Så læn jer godt tilbage og driv den af med os.Bliv medlem: https://r8dio.dk/bliv-medlem/See omnystudio.com/listener for privacy information.

"Real Housewives of New York City" alum Sonja Morgan stopped by the Page Six studio to chat with "Virtual Reali-Tea" co-hosts Danny Murphy and Evan Real about all things "Golden Life" starring her and some of the other OGs of RHONY! We got updates on Bethenny Frankel's text to her after the news broke, if Ramona Singer has met her new men and why she is so excited to return back to our screens! Plus stick around for our segment “Love Bites” presented by SONIC, where we unpack reality TV breakups. This episode we chat with Sonja about dating in Palm Springs, her recent break up and using ChatGPT for love triangle advice. Break up with your burger and smash this episode of "Love Bites!" Learn more about your ad choices. Visit megaphone.fm/adchoices

The OGs are back! Two years on, Simon Loo and Michael Xia return to Property Unfiltered for a no-holds-barred catch-up that pulls back the curtain on what's really working in today's property market (and what isn't). From doubling their combined portfolios from 100 to 200-plus properties, to riding the surge in unit blocks and venturing into some controversial assets, the OGs break down the wins, the setbacks, and the real strategies behind their rapid growth. With Xia coming off a record-breaking year writing over 1,000 loans (the highest volume in Australia), this episode is packed with sharp insights, current market realities, and forward-thinking moves every serious investor should hear.

Det gode privatleasingtilbud er endelig landet, og det er Tesla, der svinger taktstokken. Mens markedet gisper efter vejret, gør BMW klar til en rækkeviddekonge, og Bilradio siger farvel til både et bilmærke og en legende i branchen. Det har været længe ventet, men nu lander det skarpe leasingtilbud. Og det kommer fra en kant, der før har rystet branchen. Tesla har netop trykket leasingpedalen i bund og sender en prislussing afsted til de etablerede konkurrenter. Også den populære Model Y har fået et markant hug. Mens Tesla er i offensiven her og nu, rører BMW på sig med fremtidens teknologi. Det historiske i3-navn genopstår i en helt ny rolle. Glem alt om den lille, kantede bybil; den nye BMW i3 sedan bygger på den revolutionerende Neue Klasse-platform. Med 800 volt arkitektur sigter BMW efter en rækkevidde tæt på 900 km. De første testudgaver ruller allerede af samlebåndet i München. Januar bød på en historisk milepæl: Over 80 pct. af alle nye biler i Danmark var elektriske. Men den helt store overraskelse var vinderen af salgslisten. Toyota bZ4X bragede ind på førstepladsen med over 1.300 biler. Succesen følges nu op af priser på den nye bZ4X Touring, der lander som en af markedets billigste elektriske stationcars. Ugens øvrige emner i Bilradio: Vinterkørsel: Egne benhårde erfaringer med elbilers rækkevidde i frostvejr.Mercedes CLA: Nyt om lynladning i den kommende elektriske stjerne.Messenyt: eCarExpo i Bella Center er aflyst; branchen samles i Herning.Ladekampagner: Seneste nyt om Norlys og kampen om hjemmeladerne.Kinesiske Maxus har valgt at indstille salget af personbiler på det hårde danske marked.Nekrolog over Rogers Søgaard, den hæderkronede bilanmelder og grundlægger af Tannistesten, der er gået bort i en alder af 97 år.Testgarage med MGS6.Lytterspørgsmål. Vært: Christian Schacht Redaktør: Jacob Grosen Klip og produktion: Kasper RisgaardSee omnystudio.com/listener for privacy information.

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.

Allen, Joel, and Yolanda discuss the North Sea Summit where nine European countries committed to 100 gigawatts of offshore wind capacity and the massive economic impact that comes with it. They also break down the federal court ruling that allows Vineyard Wind to resume construction with a tight 45-day window before installation vessels leave. Plus GE Vernova’s Q4 results show $600 million in wind losses and Wind Power Lab CEO Lene Helstern raises concerns about blade quality across the industry. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! The Uptime Wind Energy Podcast brought to you by Strike Tape, protecting thousands of wind turbines from lightning damage worldwide. Visit strike tape.com. And now your hosts, Allen Hall, Rosemary Barnes, Joel Saxum, and Yolanda Padron.  Speaker 2: Welcome to the Uptime Wind Energy Podcast. I’m your host, Alln Hall. I’m here with Yolanda Padron and Joel Saxum. Rosemary Barnes is snorkeling at the Greek Barrier Reef this week, uh, big news out of Northern Europe. Uh, the Northeast Summit, which happened in Hamburg, uh, about a week or so ago, nine European countries are. Making a huge commitment for offshore wind. So it’s the, the countries involved are Britain, Belgium, Denmark, France, Germany, Iceland, question Mark Ireland, Luxembourg, Netherlands, and Norway. That together they want to develop [00:01:00] 100 gigawatts of offshore wind capacity in shared waters. Uh, that’s enough to power about. 85 million households and the PAC comes as Europe is trying to wean itself from natural gas from where they had it previously and the United States. Uh, so they, they would become electricity in independent. Uh, and this is one way to do it. Two big happy, uh, companies. At the moment, Vattenfall who develops s lot offshore and Siemens gaa of course, are really excited by the news. If you run the numbers and you, you, you have a hundred gigawatts out in the water and you’re using 20 megawatt turbines, then you’re talking about 5,000 turbines in the water total. That is a huge offshore wind order, and I, I think this would be great news for. Obviously Vestas and [00:02:00] Siemens cesa. Uh, the, the question is there’s a lot of political maneuvering that is happening. It looks like Belgium, uh, as a country is not super active and offshore and is rethinking it and trying to figure out where they want to go. But I think the big names will stay, right? France and Germany, all in on offshore. Denmark will be Britain already is. So the question really is at the moment then. Can Siemens get back into the win game and start making money because they have projected themselves to be very profitable coming this year, into this year. This may be the, the stepping stone, Joel.  Joel Saxum: Well, I think that, yeah, we talked about last week their 21 megawatt, or 21 and a half megawatt. I believe it is. Big new flagship going to be ready to roll, uh, with the big auctions happening like AR seven in the uk. Uh, and you know, that’s eight gigawatts, 8.4 gigawatts there. People are gonna be, the, the order book’s gonna start to fill up, like [00:03:00]Siemens is, this is a possibility of a big turnaround. And to put some of these numbers in perspective, um, a hundred gigawatts of offshore wind. So what does that really mean? Right? Um, what it means is if you, if you take the, if you take two of the industrial big industrial powerhouses that are a part of this pact, the UK and Germany combine their total demand. That’s a hundred gigawatt. That’s what they, that’s what their demand is basically on a, you know, today. Right? So that’s gonna continue to grow, right? As, uh, we electrify a lot of things. And the indus, you know, the, the next, the Industrial Revolution 4.0 or whatever we’re calling it now is happening. Um, that’s, that’s a possibility, right? So this a hundred gigawatts of offshore wind. Is gonna drive jobs all up all over Europe. Right. This isn’t just a jobs at the port in Rotterdam or wherever it may be. Right? This is, this is manufacturing jobs, supply chain jobs, the same stuff we’ve been talking about on the podcast for a while here with [00:04:00] what the UK is doing with OWGP and the, or e Catapult and all the kind of the monies that the, the, the Crown and, and other, uh, private entities are putting in there. They’re starting to really, they’re, or this a hundred gigawatts is really gonna look like building out that local supply chain. Jobs, all these different things. ’cause Alan, like you, you mentioned off air. If you look at a hundred gigawatts of offshore wind, that’s $200 billion or was to put it in Euros, 175 billion euros, 170 billion euros, just in turbine orders. Right. That doesn’t mean, or that doesn’t cover ships, lodging, food, like, you know, everything around the ports like tools, PPE, all of the stuff that’s needed by this industry. I mean, there’s a, there’s a trillion dollar impact here.  Speaker 2: Oh, it’s close. Yeah. It’s at least 500 billion, I would say. And Yolanda, from the asset management side, have we seen anything of this scale to manage? It does seem like there’d be a lot of [00:05:00] turbines in the water. A whole bunch of moving pieces, ships, turbines, cables, transformers, substations, going different directions. How, what kind of infrastructure is that going to take?  Yolanda Padron: You know, a lot of the teams that are there, they’re used to doing this on a grand scale, but globally, right? And so having this be all at once in the UK is definitely gonna be interesting. It’ll be a good opportunity for everybody to take all of the lessons learned to, to just try to make sure that they don’t come across any issues that they might have seen in the past, in other sites, in other countries. They just bring everything back home to their countries and then just make sure that everything’s fine. Um, from like development, construction, and, and operations.  Joel Saxum: I was thinking about that. Just thinking about development, construction, operations, right? So some of [00:06:00] these sites we’re thinking about like how, you know, that, that, that map of offshore wind in, in the Northern Atlantic, right? So if this is gonna go and we’re talking about the countries involved here, Norway, Germany, Denmark, France, Belgium, you’re gonna have it all over. So into the Baltic Sea. Around Denmark, into the Norwegian waters, uk, Ireland all the way over, and Iceland is there. I don’t think there’s gonna be any development there. I think maybe they’re just there as a, as cheerleaders. Um, offtake, possibly, yes. Some cables running over there. But you’re going to need to repurpose some of the existing infrastructure, or you’re not, not, you’re going to need to, you’re going to get the opportunity to, and this hasn’t happened in offshore wind yet, right? So. Basically repowering offshore wind, and you’re going to be able to look at, you know, you’re not doing, um, greenfield geotechnical work and greenfield, um, sub c mapping. Like, some of those things are done right, or most of those things are done. So there, I know there’s a lot of, like, there’s a, there’s two and [00:07:00] three and six and seven megawatt turbines all over the North Atlantic, so we’re gonna be able to pop some of those up. Put some 15 and 20 megawatt machines in place there. I mean, of course you’re not gonna be able to reuse the same mono piles, but when it comes to Yolanda, like you said, the lessons learned, Hey, the vessel plans for this area are done. The how, how, how we change crews out here, the CTVs and now and SOVs into port and that stuff, that those learnings are done. How do we maintain export cables and inter array cables with the geotechnic here, you’re not in a green field, you’re in a brown field. That, that, that work. A lot of those lessons learned. They’re done, right? You’ve, you’ve stumbled through them, you’ve made those mistakes. You’ve had to learn on the fly and go ahead here. But when you go to the next phase of Repowering, an offshore wind farm, the the Dev X cost is gonna go way down, in my opinion. Now, someone, someone may fight back on that and say, well, we have to go do some demolition or something of that sort. I’m not sure, but [00:08:00] Yolanda Padron: yeah. But I think, you know. We like to complain sometimes in the US about how some of the studies just aren’t catered toward us, right? And so we’ve seen it a lot and it’s a lot of the studies that are made are just made in Europe where, where this is all taking place. So it’s gonna be really, really interesting to see such a massive growth where everything’s being developed and where the studies are localized from where. You have this very niche area and they can, they’ve studied it. They know exactly what’s going on there. And to your point, they’ve seen a lot of, they’ve minimized the risk, like the environmental risks as much as they could. Right. And so it’s, it’s going to be really, really interesting to have them  Joel Saxum: ensuring and financing these projects should be way easier  Speaker 2: when Europe is saying that the industry has pledged to cut costs by 30% between. 20, 25 and 2040. So you would think that the turbine [00:09:00] costs and the installation costs would have to be really cost conscious on the supply chain and, uh, taking lessons learned from the previous generations of offshore wind. I think that makes sense. 30% is still a lot, and I, I think the, the feeling I’m getting from this is, Hey, we’re making a hundred gigawatt commitment to this industry. You have to work really hard to deliver a efficient product, get the cost down so it’s not costing as much as, you know. Could do if we, if we did it today, and we’re kind of in from an offshore standpoint over in Europe, what a generation are we in, in terms of turbines three? Are we going into four? A lot of lessons learned. Joel Saxum: Yeah. The, the new Siemens one’s probably generation four. Yeah. I would say generation four in the new, because you went from like the two and three megawatt machines. Like there’s like Vesta three megawatts all over the place, and then you went into the directive [00:10:00] machines. You got into that seven and eight megawatt class, and then you got into the, where we’re at now, the 15, the 12 and 15 megawatt units, the Docker bank style stuff, and then I would say generation four is the, yeah, the Siemens 21 and a half machine. Um, that’s a good way to look at it. Alan four we’re on the fourth generation of offshore wind and, and so it’s Generation one is about ready to start being cycled. There’s some, and some of these are easier, they’re nearer to shore. We’ll see what, uh, who starts to take those projects on. ’cause that’s gonna be an undertaking too. Question on the 30%, uh, wind Europe says industry has pledged to cut cost by 30% by 20. Is that. LCOE or is it devex costs or is it operational costs or did they, were they specific on it or they just kinda like cut cutting costs?  Speaker 2: My recollection when that first came about, which was six months ago, maybe a little longer, it was LCOE, [00:11:00] right? So they’re, they’re trying to drive down the, uh, dollars per, or euros per megawatt hour output, but that the capital costs, if the governments can help with the capital costs. On the interest rates, just posting bonds and keeping that down, keeping the interest rates low for these projects by funding them somehow or financing them, that will help a tremendous amount. ’cause if. Interest rates remain high. I know Europe is much lower than it is in the United States at the minute, but if they interest rates start to creep up, these projects will not happen. They’re marginal  Joel Saxum: because you have your central in, in, in Europe, you have your central bank interest rates, but even like the f the, the Indi Individual nation states will subsidize that. Right? Like if you go to buy a house in Denmark right now, you pay like 1.2%. Interest  Speaker 2: compared to what, six and a half right now in the states? Yeah, it’s low.  Speaker 4: Australia’s wind farms are [00:12:00] growing fast. But are your operations keeping up? Join us February 17th and 18th at Melbourne’s Pullman on the park for Wind energy o and M Australia 2026, where you’ll connect with the experts solving real problems in maintenance asset management. And OEM relations. Walk away with practical strategies to cut costs and boost uptime that you can use the moment you’re back on site. Register now at WMA 2020 six.com. Wind Energy o and m Australia is created by wind professionals for wind professionals because this industry needs solutions, not speeches,  Speaker 2: as we all know. On December 22nd, the federal government issued a stop work order. On all offshore winds that included vineyard wind up off the coast of Massachusetts, that’s a 62 turbine, $4.5 billion wind farm. Uh, that’s being powered by some GE turbines. Uh, the government [00:13:00] has, uh, cited national security concerns, but vineyard went to court and Federal Judge Brian Murphy rolled the, the administration failed to adequately explain or justify the decision to shut it down. Uh, the judge issued a stay, which it is allowing Vineyard went to immediately resume work on the project now. They’re close to being finished at a vineyard. There are 44 turbines that are up and running right now and creating power and delivering power on shore. There are 17 that are partially installed. Uh, when the stop order came. The biggest issue at the moment, if they can’t get rolling again, there are 10 towers with Noels on them, what they call hammerheads. That don’t have blades. And, uh, the vineyard wind. Last week as we were recording this, said you really don’t want hammerheads out in the water because they become a risk. They’re not assembled, completed [00:14:00] items. So lightning strikes and other things could happen, and you really don’t want them to be that way. You want to finish those turbines, so now they have an opportunity to do it. The window’s gonna be short. And Yolanda listening to some GE discussions, they were announcing their Q4 results from last year. The ships are available till about the end of March, and then the ships are gonna finally go away and go work on another project. So they have about 45 days to get these turbines done. I guess my question is, can they get it done work-wise? And I, I, I guess the, the issue is they gotta get the turbines running and if they do maintenance on it, that’s gonna be okay. So I’m wondering what they do with blade sets. Do they have a, a set of blades that are, maybe they pass QC but they would like them to be better? Do they install ’em just to get a turbine operational even temporarily to get this project quote unquote completed so they can get paid?  Yolanda Padron: Yeah. If, if the risk is low, low [00:15:00] enough, it, it should be. I mean a little bit tight, but what, what else can you do? Right? I mean, the vessel, like you might have a shot of getting the vessel back eventually, or being able to get something in so you can do some of the blade repairs. And the blade repairs of tower would require a different vessel than like bringing in a whole blade, right? And so just. You have a very limited time scope to be able to do everything. So I don’t know that I would risk just not being able to pull this off altogether and just risk the, you know, the rest of the tower by not having a complete, you know, LPS and everything on there just because not everything’s a hundred percent perfect. Joel Saxum: There’s a weird mix in technical and commercial risk here, right? Because. Technically, we have these hammerheads out there, right? There’s a million things that can happen with those. Like I, I’ve [00:16:00] personally done RCAs where, um, you have a hammerhead on this was onshore, right? But they, they will get, um, what’s called, uh, Viv, uh, vortex induced vibration. So when they don’t have the full components out there, wind will go by and they’ll start to shake these things. I’ve seen it where they shook them so much because they’re not designed to be up there like that. They shook them so much that like the bolts started loosening and concrete started cracking in the foundations and like it destroyed the cable systems inside the tower ’cause they sat there and vibrated so violently. So like that kind of stuff is a possibility if you don’t have the right, you know. Viv protection on and those kind of things, let alone lightning risk and some other things. So you have this technical risk of them sitting out there like that. But you also have the commercial risk, right? Because the, the banks, the financiers, the insurance companies, there’s the construction policies and there’s, there’s, you gotta hit these certain timelines or it’s just like if you’re building a house, right? You’re building a house, you have to go by the loan that the bank gives you in, you know, in micro [00:17:00] terms to kind of think about that. That’s the same thing that happens with this project, except for this project’s four and a half billion dollars and probably has. It’s 6, 8, 10 banks involved in it. Right? So you have a lot of, there’s a lot of commercial risk. If you don’t, if you don’t move forward when you have the opportunity to, they won’t, they’ll frown on that. Right? But then you have to balance the technical side. So, so looking at the project as a whole, you’ve got 62 turbines, 44 or fully operational. So that leaves us with 18 that are not. Of those 18, you said Alan? 10 needed blades.  Speaker 2: 10 need blades, and one still needs to be erected.  Joel Saxum: Okay, so what’s the other seven?  Speaker 2: They’re partially installed, so they, they haven’t completed the turbine, so everything’s put together, but they haven’t powered them up yet.  Joel Saxum: I was told that. Basically with the kit that they have out of vineyard wind, that they can do one turbine a day blades. Speaker 2: That would be, yeah, that would make sense to me.  Joel Saxum: But, but you also have to, you have 45 days of vessel time left. You said they’re gonna leave in March, but you also gotta think it’s fricking winter in. The, [00:18:00] in the Atlantic  Speaker 2: they are using jackass. However, there’s big snow storms and, and low uh, pressure storms that are rolling through just that area. ’cause they, they’ve kind of come to the Midwest and then shoot up the east coast. That’s where you see New York City with a lot of snow. Boston had a lot of snow just recently. They’re supposed to get another storm like that. And then once it hits Boston, it kind of hits the water, which is where vineyard is. So turbulent water for sure. Super cold this time of year out there,  Joel Saxum: but wind, you can’t sling blades in, in probably more than what, six meters per second’s? Probably your cutoff.  Speaker 2: Yeah. This is not the best time of year to be putting blade sets up offshore us.  Joel Saxum: Technically, if you had blue skies, yeah, this thing can get done and we can move. But with weather risk added in you, you’ve got, there’s some wild cards there.  Speaker 2: I It’s gonna be close.  Joel Saxum: Yeah. If we looked at the, the weather, it looks like even, I think this coming weekend now we’re recording in January here, and [00:19:00] this weekend’s, first week in February coming, there’s supposed to be another storm rolling up through there too. Speaker 2: It was pretty typical having lived in Massachusetts almost 25 years. It will be stormy until April. So we’re talking about the time span of which GE and Vineyard want to be done. That’s a rough period for snow. And as historically, uh, that timeframe is also when nor’easters happened, where the storms just sit there and cyclone off the shore around vineyard and then dump the snow back on land. Those storms are really violent and there’s no way they’re gonna be hanging. Anything out in the water, so I think it’s gonna be close. They’re gonna have to hope for good weather. Don’t let blade damage catch you off guard. OGs, ping sensors detect issues before they become expensive, time consuming problems from ice buildup and lightning strikes to pitch misalignment and internal blade cracks. OGs Ping has you covered The cutting edge sensors are easy to install, giving you [00:20:00] the power to stop damage before it’s too late. Visit eLog ping.com and take control of your turbine’s health today. So while GE Ver Nova celebrated strong results in its Q4 report, in both its energy and electrification business, the company’s wind division told a different story. In the fourth quarter of 2025, wind revenue fell 24% to $2.37 billion. Uh, driven primarily by offshore wind struggles, vineyard, wind, uh. The company recorded approximately $600 million in win losses for the full year up from earlier expectations of about $400 million. That’s what I remember from last summer. Uh, the, the culprit was. All vineyard wind, they gotta get this project done. And with this work stoppages, it just keeps dragging it on and on and on. And I know GE has really wanted to wrap that up as [00:21:00] fast as they can. Uh, CEO Scott Straza has said the company delivered strong financial results, which they clearly have because they’re gas turbine business is taking orders out to roughly 2035, and I think the number on the back order was gonna be somewhere in the realm of 150 billion. Dollars, which is an astronomical number for back orders. And because they had the back orders that far out, they’re raising prices which improves margins, which makes everybody on the stock market happy. You would think, Joel? Except after the, the Q4 results today, GE Renovo stock is really flat,  Joel Saxum: which is an odd thing, right? I talk about it all the time. Um, I’m always thinking they’re gonna drop and they go up and they go up and they go up. But today was just kind of like a, I don’t know how to take it. Yeah. And I don’t know if it’s a, a broader sentiment across what the market was doing today because there was some other tech earnings and things of that sort, but it’s always something to watch, right? So. Uh, there, [00:22:00] there’s some interesting stuff going on on in the GE world, but one thing I want to touch on here, we’re talking like vineyard wind caused them this, these delays right there is a, a, a larger call to understand why there was these delays and because it’s causing. Havoc across the industry. Right. But even the, like, a lot of like, uh, conservative lawmakers, like there were some senators and stuff coming out saying like, we need more transparency to understand these 90 day halts because of what it’s doing to the industry, right? Because to date there hasn’t been really any explanation and the judges have been just kind of throwing ’em out. Um, but you can see what it’s done here to ge. Recording $600 million in win losses. I mean, and that is mostly all vineyard wind, right? But there’s a little bit of Dogger bank stuff in there. I would imagine  Speaker 2: a tiny bit. Really? ’cause Dogger has been a lot less stressful to ge.  Joel Saxum: But it is, yeah. The, the uncertainty of the market. And that’s why we kind of said a little bit, I said a little bit ago, like when this thing is done, when Vineyard [00:23:00] Point is like, and when you can put the final nail in the coffin of construction on that, it is gonna be agh sigh of relief over at GEs offices For sure.  Speaker 2: Our friend Alina, Hal Stern appeared in Energy Watch this week and she’s spent a long time in the wind industry. She’s been in it 25 years, and, uh, she commented that she’s seeing some troubling things. Uh, she’s also the new CEO of Wind Power Lab over in Denmark, and they’re a consultancy firm on wind turbines and particularly blades. Uh, Lena says that she’s watched some. Really significant manufacturing errors in operational defects and wind turbine blades become more frequent. And in 2025 alone, Windpower lab analyzed and provided repair recommendations for over 700 blades globally. And I assume, or Blade Whisperer Morton Hamburg was involved in a number of those. Uh, the problem she says is that the market eagerly, uh, [00:24:00] demanded cheap turbines, which is true. And, uh. Everything had to be done faster and with lower costs, and you end up with a product that reflects that. Uh, we’ve had Lena on a podcast a couple of times, super smart. Uh, she’s great to talk to, get offline and understand what’s happening behind the scenes. And, uh, in some of these conference rooms between asset managers, operators, and OEMs, those are sometimes tough. Discussions, but I, I think Lena’s pointing out something that I, the industry has been trying to deal with and she’s raising it up sort of to a higher level because she has that weight to do that. We have some issues with blades that we need to figure out pretty quickly. And Yolanda, you ran, uh, a large, uh, operator in the United States. We’re dealing with more than a thousand turbines. How locked in is Lena, uh, to [00:25:00]some of these issues? And are they purely driven just by the push to lower the cost of the blades or was it more of a speed issue that they making a longer blades in the same amount of time? Where’s that balance and, and what are we going to do about it going forward as we continue to make larger turbines?  Yolanda Padron: She’s great with, with her point, and I think it’s. A little bit about the, or equally about the OEMs maybe not being aware of these issues as much, or not having the, the bandwidth to take care of these issues with limited staff and just a lot of the people who are charge of developing and constructing these projects at a very short amount of time, or at least with having to wear so many hats that they. Don’t necessarily have the, the bandwidth to do a deep dive on what the potential risks could be in [00:26:00] operations. And so I think the way I’ve, I’ve seen it, I’ve experienced it. It’s almost like everybody’s running a marathon. Their shoe laces untied, so they trip and then they just kind of keep on running ’cause you’re behind, ’cause you tripped. And so it just keeps on, it’s, it’s, it’s a vicious cycle. Um. But, uh, we’ve also seen just, just in our time together and everything, that there’s a lot of people that are noticing this and that are taking the time to just pause, you know, tie those releases and just talk to each other a little bit more of, Hey, I’m the one engineer doing this for so many turbines. You have these turbines too. Are you seeing this issue? Yes. No. Are, how are you tackling it? How have you tackled it in the past? How can we work together to, to use the data we have? Right? That, I mean, if you’re not going to get a really great answer from your OEMs or if you’re not going to get a lot of [00:27:00] easily available answers just from the dataset that you’re seeing from your turbine, it’s really easy now to to reach out to other people within the industry and to be able to talk it over, which I think is something that Lena. Is definitely encouraging here.  Joel Saxum: Yeah. Yeah. It’s, I mean, she, she makes a statement about owners needing to be technically mature, ensure you have inspections, get your TSAs right. So these are, again, it’s lessons learned. It’s sharing knowledge within the market because at the end of the day, this is a new, not a new reality. This is the reality we’re living in. Right. It’s not new. Um, but, but we’re getting better at it. I think that’s the, the important thing here, right? From a, from a. If we take a, the collective group of operators in the world and say like, you know, where were you two, three years ago and where are you today? I think we’re in a much better place, and that’s from knowledge sharing and, and understanding these issues. And, you know, we’re, we’re at the behest of, uh, good, fast, cheap pick. [00:28:00] Right. And so that’s got us where we are today. But now we’re, we’re starting to get best practices, lessons learned, fix things for the next go around. And you’re seeing efforts at the OEM level as well to, uh, and some, some of these consultants coming out, um, to, to try to fix some of these manufacturing issues. You know, Alan, you and I have talked with DFS composites with Gulf Wind Technology. Like there, there’s things here that we could possibly fix. You’re starting to see operators do. Internal inspections to the blades on the ground before they fly them. That’s huge. Right? That’s been the Wind Power lab has been talking about that since 2021. Right. But the message is finally getting out to the industry of this is what you should be doing as a best practice to, you know, de-risk. ’cause that’s the whole thing. You de-risk, de-risk, de-risk. Uh, so I think. Lena’s spot on, right? We know that this, these things are happening. We’re working with the OEMs to do them, but it takes them a technically mature operator. And if you’re, if you don’t have the staff to be technically mature, go grab a consultant, [00:29:00] go grab someone that is to help you out. I think that’s a, that’s an important, uh, thing to take from this as well. Those people are out there, those groups are out there, so go and go in, enlist that to make sure you’re de-risking this thing, because at the end of the day, if we’re de-risking turbines. It’s better for the whole industry.  Speaker 2: Yeah. You want to grab somebody that has seen a lot of blades, not a sole consultant on a particular turbine mine. You’re talking about at this point in the development of the wind industry, you’re talking about wind power labs, sky specs kind of companies that have seen thousands of turbines and have a broad reach where they’ve done things globally, just not in Scandinavia or the US or Australia or somewhere else. They’ve, they’ve seen problems worldwide. Those people exist, and I, I don’t think we as an industry use them as much as we could, but it would get to the solutions faster because having seen so many global [00:30:00] issues with the St turbine, the solution set does vary depending on where you are. But it’s been proven out already. So even though you as an asset manager. May have never heard of this technique to make your performance better. You make your blades last longer. It’s probably been done at this point, unless it’s a brand new turbine. So a lot of the two x machines and three X machines, and now we’re talking about six X machines. There’s answers out there, but you’re gonna have to reach out to somebody who has a global reach. We’ve grown too big to do it small anymore,  Yolanda Padron: which really should be a relief to. All of the asset managers and operations people and everything out there, right? Like. You don’t have to use your turbines as Guinea pigs anymore. You don’t have to struggle with this.  Speaker 2: That wraps up another episode of the Uptime Wind Energy Podcast, and if today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t forget to subscribe so you never miss an episode. [00:31:00] And if you found value in today’s conversation, please leave us a review. It really helps other wind energy professionals discover the show for Rosie, Yolanda and Joel. I am Alan Hall, and we’ll see you here next week on the Uptime Wind Energy Podcast.

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

Vi scroller.  Litt. Og så litt til. Også skal vi stoppe - og forsetter... Ikke fordi vi er svake – men fordi vi er mennesker med en hjerne som elsker små belønninger.I denne episoden utforsker vi hva som faktisk skjer i hjernen når vi scroller – og hvorfor det påvirker konsentrasjon, uro og evnen til å være til stede i eget liv.  Du får innsikt i hvordan dopamin og raske belønninger trener hjernen til å søke mer – og raskereDette er ikke en episode om moral, forbud eller dårlig samvittighet. Men vi som er voksne er rollemodeller – også når vi ikke prøver å være det. Scrolling kan svekke evnen til fordypning og indre ro og påvirke barns utvikling, konsentrasjon, språk og svekke følelses-regulering.. Men dette ikke en episode hvor vi snakker om moral - men heller en episode om forståelse, nevrobiologi – og håp. Og vi har fokus på hvordan små, bevisste valg kan hjelpe oss tilbake til nærvær og kontakt For hjernen er plastisk. Og veien tilbake til tilstedeværelse starter ikke med store endringer, men med små øyeblikk av bevissthet – igjen og igjen.  En episode for deg som kjenner på indre uro, savner fordypning, eller ønsker å være mer til stede – både for deg selv og for barna rundt deg. 

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

In today's episode, I'm talking to the brilliant and straight-shooting Ruairi Spillane, who runs Moving2Canada and Outpost Recruitment. Ruairi is one of the OGs when it comes to helping newcomers move to Canada, find jobs, and settle in nicely. So he was a must-have on The Newcomers Podcast. As someone who's been recruiting local and global talent for Canada for over a decade, he's seen what works, what doesn't, and he's not afraid to tell you the difference. And he dished out dollops of that tough love on this episode. ----------Ruairi and I chat about:The red flags that tell him an immigrant is likely to struggle in the job searchThe three risks employers are evaluating you on during the interview processWhy Canadianizing your resume is about the content, not the formatHow to proactively address your immigration pathway in an interview----------Dozie's NotesA few things that struck me as I listened through this week's conversation:"I can do anything" is a red flag, not a selling point. It screams you haven't done the research. Pick one or two job titles that match your skills in Canada and build your resume around those. Spraying and praying something sticks is exhausting. Canadian employers are evaluating three risks you probably aren't addressing. Settlement risk: Will you stay? Immigration risk: Can you stay? Local experience risk: Can you adapt? Ruairi says employers in professional roles aren't hiring for six months. They're investing in training you for three to four years. If your answer to "How long will you be in Canada?" is "I have a two-year work permit, we'll see if we like it," you've just told them you're a flight risk.Refusing to adapt your resume can mean you might struggle to adapt to the role. Ruairi says it's a pattern he's seen over the last 12 years. When he suggests improvements and a candidate says "my resume is fine the way it is" or "I paid someone to edit this so I'm not changing it," he steps away. Time and time again, that response has usually meant the individual might not be exactly willing to adapt to a new way of doing things in a new country. Brutal? Right?----------Official Links✅ Connect with Ruairi Spillane on LinkedIn✅ Check out the Outpost Recruitment Jobs Board✅ Join the 170K+ strong newcomer community on Moving2CanadaOne AskIf you found this story helpful, please consider sharing it with one immigrant you know.

Mange af medlemsvirksomhederne i Dansk Erhverv er klar til kamp mod Trump. Også selvom det måtte komme til at koste dem penge i en eventuel toldkrig. Det siger direktøren i Dansk Erhverv, Brian Mikkelsen, til podcasten 'Fagbevægelsen uden filter'.Vært: Andreas Antoni LundFaglig kommentator: Gitte RedderProducer: Eno KroghLydklip fra TV 2 og Dansk EL-ForbundLæs mere på www.a4medier.dk/overenskomst

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.

Når du ikke vet hva du skal gjøre etter velgerne kaster deg ut av Stortinget, er gode råd dyre. Bokstavelig talt. Også etter dette valget har et knippe eks-politikere og ministre tatt steget over i PR-bransjen. Men er det noen som bryr seg lenger? Med politisk journalist Sigrid Gausen og NRKs politiske kommentator Tone Sofie Aglen. Foto: Heiko Junge / NTB

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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Personlighetstester som verktøy er inn som aldri før! Ett av disse selvhjelpsverktøyene er enneagrammet, som blir mye brukt i både kirkelige og alternativreligiøse miljøer. Også i populærkulturen har Enneagrammet begynt å poppe opp i bisetninger.Er det båssetting og tvangstrøyer eller en vei til frihet og vekst? Uskyldig selskapslek eller en trussel om kontroll? Er det bare “sånn er du – og ferdig med det” eller et utgangspunkt for å gjøre noe med våre negative sider?Kulturmisjonens Arne Christian Konradsen og Ingrid Ribe-Nyhus, prater med avtroppende og påtroppende generalsekretærer i Areopagos – Silje Kvamme Bjørndal, og Hallvard Olavson Mosdøl.

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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 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.

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.

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'----------------------------------------------------------------------------------------------------

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

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