Podcasts about ogs

Jen Graziano steps back Behind The Rope. The creator of Mob Wives is back to mention it all. Jen addresses all those rumors that sister Renee let slip a few weeks ago about the return of Mob Wives. Jen talks new cast, returning OGs and, of course, Renee's role in it all. Speaking of sisterly duos, Jen weighs in the reconciliation of Teresa and Melissa, whether they are better of if RHONJ never returns, the joys of The Kardashians and the current state of Reality TV, all from the eye of one of TV's top reality queens. Finally, Jen is going by Jackie Orena and Kristin “That Hairdressa” to break down her new Live Immersive Dinner Theater Experience, “Married By The Mob”. @jenngraziano @jackkieo @thathairdressakristin @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: NOOM - noom.com (The Noom GLP-1 Microdose Program Starts At $99 and Is Delivered To Your Door In Seven Days) PEACE CORPS - peacecorps.gov/serve (The Toughest Job You'll Ever Love) MOOD - www.mood.com/velvet (20% Off With Code Velvet on Federally Legal THC Shipped Right To Your Door) PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) 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

The freshman season of VPR has finally ended and the entire cast and LVP, with her new favorite, are prepared for next season, but what is the real reason the show is renewed.  Ladies of London is back in our lives better and bigger than ever.  The Valley prepares for its return. Bravos' OGs receive a very stern warning about what they need to change ASAP going forward. Hi Gizelle. Last, but not least, Amanda Batula has a new life, Lala has a redemption and oh, so very much more.  @vanderpumprobs @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: NOOM - noom.com (The Noom GLP-1 Microdose Program Starts At $99 and Is Delivered To Your Door In Seven Days) PEACE CORPS - peacecorps.gov/serve (The Toughest Job You'll Ever Love) MOOD - www.mood.com/velvet (20% Off With Code Velvet on Federally Legal THC Shipped Right To Your Door) PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) 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

This week Matt gets esoteric, Eric gets twisted, Borderlands 4's first DLC is on its way, Nippon Ichi Software has a presentation, Fortnite raises prices and brings back the OGs, and Sega takes a look at their sales! andohyeahghostofyoteilegendsmodeisheretoo Releases: Esoteric Ebb & Monster Hunter Stories 3: Twisted Reflection

In honor of Women's History Month, Stay Busy is joined by Coey, creator of Talk Of The Town Show and producer for the Let's Rap About It podcast and Jim Jones' Artist 2 Artist series. The crew kicks things off with a Coey-inspired segment where she shares her best  memories with some of your favorite New York City drill artists (5:03). Next, a WHM-themed LUNCH BREAK (22:54) before diving into the new music CHAT - Ty Dolla $ign's ‘girl music vol. 1' (45:45) and the discourse surrounding Swae Lee's new single “FLAMMABLE” (58:43). For this week's BOARD MEETING (1:17:31), Coey discusses how she broke into the entertainment industry, the rise of Talk Of The Town Show, her top female artists and content creators, working with some of Hip-Hop's OGs, what she has planned for the future, and much more!  Stay Busy with Armon Sadler⁠ https://www.instagram.com/staybusypod/⁠⁠ https://twitter.com/staybusypod⁠⁠ https://www.tiktok.com/@staybusypod⁠ Armon⁠ https://www.instagram.com/armonsadler/⁠⁠ https://x.com/armonsadler Will Foster https://www.instagram.com/wxllxxm/ https://x.com/WxLLxxM Miss2Bees https://www.instagram.com/miss2bees/ https://x.com/miss2bees Learn more about your ad choices. Visit megaphone.fm/adchoices

Steiny & Guru discuss why the focus has been on the Warriors young guys and instead should turn towards the OGs that cost them the game...

Trap Jesus is back for round two.It's been about two years since his first appearance on the Good PizzZa Podcast, and a lot has happened in the world of genetics. Let me be the first to tell you, Gas is alive and well!Trap Jesus has built a reputation as one of the true keepers of classic West Coast strains — an OG in the game keeping the OG alive and well. We're talking Original Kush, Bubba Kush, BTY OG, Headband, Green Crack, and the kind of old-school gas that doesn't get lost in hype cycles.In this episode we dive into:

Hva skjer når du tar et helt år fri fra en trygg jobb for å jobbe gratis på norske gårder? Og hva ser du da, som er vanskelig å forstå fra utsiden?Ingvild Holm Tellesbø er utdannet journalist og lærer, og har de siste årene jobbet i Osloskolen. Nå dokumenterer hun året på gård gjennom Instagram-kontoen @Ingvildtilgards, med et mål om å forstå hvordan dyr og mennesker faktisk har det i norsk landbruk.Ingvild har leid ut leiligheten sin, fått permisjon fra lærerjobben og reist rundt i Norge for å jobbe frivillig på gårder med sau, geit, ku og gris - for å lære mer om norsk matproduksjon. Vi snakker om det praktiske gårdsarbeidet – gjerder som skal flyttes, dyr som skal fôres, fjøs som skal vaskes, men også om hvordan hverdagen i landbruket faktisk oppleves når du står midt i den.Vi snakker om forskjellen på forestillingen om bondeidyll og realiteten på gården, om hvorfor fysisk erfaring endrer hvordan du ser på mat, dyrevelferd og ressursbruk, og om hvordan forståelsen for landbrukspolitikk og tilskuddssystemer vokser frem når du ser konsekvensene i praksis. Ingvild deler også hvorfor hun mener dette angår langt flere enn bøndene selv. Også mener vi, to byfolk, litt om sauesanking!God fornøyelse!

Today we discuss this new iteration of VPR, and if we think it can possibly capture the messiness, drama, and sincerity of our beloved OGs! What do you think???Send us an email: PATCPOD@gmail.comThis month on PATREON:3/1 Vanderpump Rules S1 Reunion3/8 Rupaul's Drag Race All Stars 2 Episode 5 “Revenge of the Queens”3/15 Smash S1 E12 “The Movie Star”3/22 Pillow Talk 3/29 Vanderpump Rules S1 Reunion Secrete LEAVE US A VOICEMAIL FOR OUR MAILBAG AND WE WILL PLAY IT ON AN EPISODE :)https://www.speakpipe.com/podandthecityLEAVE US A VOICEMAIL FOR OUR MAILBAG AND WE WILL PLAY IT ON AN EPISODE :)https://www.speakpipe.com//podandthecity Hosted on Acast. See acast.com/privacy for more information.

Recession fears for 2026 persist, with J.P. Morgan estimating a 40% probability of a U.S. and global downturn. Concerns are driven by high inflation, rising unemployment, and trade uncertainties, and war in the middle-east.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:10 Sponsor: Tangem00:50 Big Week01:30 Oil depot bombed02:00 Trump press conference02:20 Emergency Reserves03:00 Trump 201203:30 CNBC: Sky is the limit04:30 End of March05:00 Not the biggest oil06:00 Trueflation06:30 Recession07:45 Ben Cowen: Fed checkmate09:45 Recession odds10:15 Black Swan priced in?10:40 CNBC: Cracks from financial giants12:40 Cathie Wood: Private market risks15:00 xNASDAQ15:40 Solana RWA16:00 Tom Lee purchases increasing16:30 OGs buying spree17:00 Pokopia17:40 Senate race 202618:15 Texas18:45 How this ends19:45 Ceasefire20:00 Outro#Crypto #Bitcoin #Inflation~Recession Fears Skyrocket!

Culture, Representation, What Does It Take to Build a Legacy   OG segment series, two different generations sit down for an honest, unscripted conversation about culture, representation, and what it truly takes to build a lasting legacy. What starts as a casual exchange quickly turns into a deeper reflection on the lessons learned from coming up in tough environments and navigating the journey from struggle to stability.   This isn't scripted commentary — it's a real dialogue between two men reflecting on the past while thinking about the future. The OGs share wisdom on leadership, generational understanding, and why building something meaningful takes more than just success — it takes legacy.   From poverty to prosperity, we unpack the stories behind the moments and what they mean for the next generation. This isn't just commentary — it's OG insight on legacy, growth, and what it truly takes to rise in any era.

Culture, Representation, What Does It Take to Build a Legacy   OG segment series, two different generations sit down for an honest, unscripted conversation about culture, representation, and what it truly takes to build a lasting legacy. What starts as a casual exchange quickly turns into a deeper reflection on the lessons learned from coming up in tough environments and navigating the journey from struggle to stability.   This isn't scripted commentary — it's a real dialogue between two men reflecting on the past while thinking about the future. The OGs share wisdom on leadership, generational understanding, and why building something meaningful takes more than just success — it takes legacy.   From poverty to prosperity, we unpack the stories behind the moments and what they mean for the next generation. This isn't just commentary — it's OG insight on legacy, growth, and what it truly takes to rise in any era.

Jesus sier «Jeg er porten». Når han sier dette viser han noe radikalt nytt: Der det før var avstand mellom Gud og mennesker, med begrenset tilgang, åpner Jesus nå veien helt inn til Gud. En frimodig invitasjon inn til frelse (Joh 10,9), inn til fellesskap (Joh 10,7), frihet (2. Kor 3, 17). Fri tilgang til Guds nærvær. Jesus ønsker å gi oss liv, glede, trygghet og håp. Også andre ting i livet vårt vil prøve å gi oss dett. I teksten kan vi se at Jesus nevner «tyver og røvere». En kritikk til dårlig lederskap, men også til alt som fører oss vekk fra Gud. Bibelen viser at det kun er Jesus som er sikker. Ingenting annet kan gi oss fullkomment liv og håp. Matteus 6,33 – «Søk først Guds rike ...» Vi er invitert inn til fellesskap med Gud, og hverandre. Kirken er en plass for oppbyggelse, trygghet og utrustning. Men vi er også kalt til å gå ut – Joh. 10,9 – «... gå inn og ut å finne beite». Som befalte rett før han dro til himmelen også: «Gå derfor å gjør alle folkeslag til disipler ...» (Matt 28,19). Friheten vi får i Jesus er ikke passiv – den er ment til å leves ut – til å gi videre. ____Hovedtekst: Johannes 10, 1-10Tilleggstekster: Rom 3, 23-26, Efeserne 2, 12-13, 2. Kor 3,17, Hebreerne 10,19-20____1.        Les dagens tekst – hva står ut for deg i teksten? 2.        Hva kan disse «tyvene og røverne» være i vårt liv? 3.        Hvor finner vi tryggheten, håpet og gleden vår?4.        Hvordan vi leve ut det generelle kallet til alle kristne om å gå ut og dele det vi har fått? 5.        Avslutt med å be for hverandre inn i de områdene.

Co-Host Emily McKay (https://www.deservewhatyouwant.com) Since our last episode together, Emily and I celebrated 20 years since we met. Over the course of two decades, we've realized there are seasons to a marriage. Now obviously, most couples would hope for an endless springtime rather than the winter of their discontent, but what we're talking about here isn't quite so literal. It's not just that things change both in the marriage and around you. That's inevitable in this life. It's not even about the evolution of the marriage, or the both of you over time, really.  Rather, it's a definite smooth and perhaps even rhythmic flow from one major theme of your life together into another. Now, Emily and I met when we were in our mid- and late-thirties, respectively. For the benefit of those of you listening who might be younger, what seasons can younger couples expect? Is it all about being DINKS (or even DINKWADS)? What about the "Honeymoon Phase"? And the dreaded "Seven Year Itch"? Does Parenthood count as a season? As for us, we went through "travel season" and "youth sports season". What's next? We were still having kids at 40 and 45 years old, so we aren't "empty nesters" yet. What might that season look like? What about growing old together? What are some surprises that season might bring? There are now 67 retired episodes, featuring some of the OGs in the men's dating space. Get them all for a donation at: https://mountaintoppodcast.com/retired === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === This show is built on the "Big Four": Confidence, Masculinity, Liking Women, and Good Character. Better men get better women. If you love what you hear, please rate the show on the service you subscribed to it on (takes one second) and leave a review.

OGs React | SWEET CHILD O' MINE | Can't Believe This Hit Different   We're back at it again, the OGs' first-time watching experience! In this reaction, we dive into the world of Missioned Souls Family Band out of the Philippines. We're specifically reflecting on the instrumental skills of these talented children. Get ready for some genuine reactions!   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com    For Podcast Inquiries: agnbpodcast@gmail.com       Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Tik Tok - @agnbmarketing Facebook - All Gas No Breaks Podcast  X (Twitter) - @AGNBpodcast   Comment for more video ideas below!   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE

OGs React | SWEET CHILD O' MINE | Can't Believe This Hit Different   We're back at it again, the OGs' first-time watching experience! In this reaction, we dive into the world of Missioned Souls Family Band out of the Philippines. We're specifically reflecting on the instrumental skills of these talented children. Get ready for some genuine reactions!   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com     For Podcast Inquiries: agnbpodcast@gmail.com        Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Tik Tok - @agnbmarketing Facebook - All Gas No Breaks Podcast  X (Twitter) - @AGNBpodcast   Comment for more video ideas below!   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE

Listen on your favorite podcast service: https://pods.to/wesoundcrazy Crazy Crew, join our We Sound Crazy list: https://wesoundcrazy.ffm.to/jointhewesoundcrazy-emailandsms.OYD Stream songs from the episode on our official We Sound Crazy playlists: https://lnkfi.re/8I8Drkfz In this candid appearance on the We Sound Crazy podcast, multi-hyphenate star Drew Sidora takes a deep dive into her evolution from a Chicago theater kid to a staple of music, film, and reality television. Sidora reflects on the high-pressure origins of her career, sharing "nerve-wracking" memories of auditioning for Step Up and receiving direct, surgical notes from the legendary Clive Davis on her ad-libs. She speaks with profound pride about her "top-notch" casting as T-Boz in the TLC biopic, Crazy Sexy Cool, describing how she so thoroughly embodied the role that her own family didn't recognize her on set. Drew joins the We Sound Crazy hosts for a nostalgic and revelatory We Looked Crazy segment, where they dive into the archives to reflect on her early press images. Looking back at her "boots with the fur" and chandelier earrings from her days on That's So Raven and Step Up, Drew candidly critiques her past style while celebrating the grit it took to navigate the industry as a young actress auditioning against musical heavyweights. This spirit of resilience carries into her current chapter on The Real Housewives of Atlanta, where she discusses the show's recent "reset" that shifted away from the shadow of the OGs toward more authentic, sisterly bonds. Drew details her meaningful reconciliation with Porsha Williams—a move that has blossomed into a collaborative business venture with their hair and wig lines—and explains how she now approaches the franchise with an "unbothered" mindset, prioritizing vulnerability over manufactured drama. Beyond the screen, Drew is firmly reclaiming her musical roots, moving from the raw accountability of her album I Did It To Me to a second project currently in development that honors her Chicago heritage with house music influences and soul-stirring gospel features. With an official tour launch on the horizon, Sidora makes it clear that she is no longer just a "girl from a movie," but a seasoned veteran using every platform to tell her own story on her own terms. We Sound Crazy is your backstage pass to all things music and culture. Special thanks to our We Sound Crazy team! Director: John Dierre Camera Op: Josh Sowemimo, James Hart, John Dierre Editor/Producer: Lamont Baldwin Producer: Aaron Walton Show Producer/Remixer: Michael "Roux" Johnson Assistant: Brittany Guydon Talent Producer: Isaac Hamm III Photography: Ah'meer Holt   PA: Kaye Brasley, Tony Cole  Thank you to all of our listeners, as well as our partners at Visit Music City.   Special thanks to Drew Sidora! Subscribe to We Sound Crazy on Spotify, Apple Podcasts, and anywhere you get your favorite podcast.  Follow We Sound Crazy on Social Media: ~ Facebook: https://wesoundcrazy.ffm.to/wscfacebook ~ Instagram: https://wesoundcrazy.ffm.to/wscinstagram ~ Twitter: https://wesoundcrazy.ffm.to/wsctwitter ~ TikTok: https://wesoundcrazy.ffm.to/wsctiktok Subscribe to We Sound Crazy on YouTube: https://wesoundcrazy.ffm.to/wscyoutube-subscribe Visit the official We Sound Crazy website: https://wesoundcrazy.ffm.to/officialwebsite #WeSoundCrazy #DrewSidora Learn more about your ad choices. Visit megaphone.fm/adchoices

The Generational Shift Nobody's Talking About    What began as a simple reaction to Unchained Melody by The Righteous Brothers quickly turns into something deeper. The OGs dig into culture, generational shifts, representation, and how far the world has really come. Nothing is rehearsed — just raw, unscripted perspectives rooted in real-life experience.   From poverty to prosperity, we unpack the stories behind the moments and what they mean for the next generation. This isn't just commentary — it's OG insight on legacy, growth, and what it truly takes to rise in any era.

The Generational Shift Nobody's Talking About    What began as a simple reaction to Unchained Melody by The Righteous Brothers quickly turns into something deeper. The OGs dig into culture, generational shifts, representation, and how far the world has really come. Nothing is rehearsed — just raw, unscripted perspectives rooted in real-life experience.   From poverty to prosperity, we unpack the stories behind the moments and what they mean for the next generation. This isn't just commentary — it's OG insight on legacy, growth, and what it truly takes to rise in any era.

Fronterne er trukket skarpt op i valgkampen, hvor Socialdemokratiet slår på de rigeste, og Venstre skyder tilbage mod sin nu tidligere regeringsmakker med den helt store bazooka. I midten står Lars Løkke Rasmussen og er overrasket over, hvor hurtigt Troels Lund Poulsen og Mette Frederiksen ilede tilbage mod deres 'gamle' blokke. Men synes han ikke også, at det er lidt fedt? Også har Thomas og Jacob lavet deres tv-lektier og set TV2's reality-program, hvor de 12 partiledere bliver buret inde på en højskole i et døgn. Et forsøg på at vise en anden side af de brutale politikere, der ellers hakker løs på hinanden. Begge er enige om, at det her klart kan gøre en forskel for, hvor vælgerne sætter sit kryds. Og én politiker skiller sig ud. Medvirkende: Pia Glud Munksgaard, politisk analytiker i DR, Jacob Bruun, tidligere rådgiver for Lars Løkke Rasmussen, i dag indehaver af Bruun Advisory og Thomas Juul-Dam, tidligere rådgiver i Statsministeriet for Helle Thorning-Schmidt og nu partner i Primetime. Tilrettelægger: Theodora Renard. Video: Anna Bøtter.

In this episode, I'm joined by one of the OGs of the romance genre, J.R. Ward, to talk about her new romantasy, Crown of War and Shadow, a sweeping romance that kicks off her brand new Kingdoms of the Compass series! We also chat about:How she sat on the idea for this book for over 20 years! What it's like to craft a romantasy series, Why you'll love Sorell and Merc, her strong heroine, and the alpha male who protects her, Her favorite scene in the book, and so much more!If you love romantasy books that read like a complete story with compelling characters, then you don't want to miss this episode. Listen now, or watch the video on YouTube!Get Crown of War and Shadow now: https://amzn.to/4oEzElNJoin My Email List: https://www.shereadsromancebooks.com/joinBlog: https://www.shereadsromancebooks.com/ Podcast: https://www.shereadsromancebooks.com/podcast/ Facebook: https://www.facebook.com/shereadsromancebooks Pinterest: https://www.pinterest.com/shereadsromancebooks Instagram https://www.instagram.com/shereadsromancebooksblog/LEAVE A REVIEW!If you liked this episode or got a book recommendation you can't wait to read, please give a star rating and leave a review on Apple Podcasts or your favorite podcast platform. It helps me know what you like and want to hear. Thanks!This post may include affiliate links. As an Amazon Associate, I earn from qualifying purchases. Hosted on Acast. See acast.com/privacy for more information.

OG Wisdom in a LUXURY ERA!   What starts as a reaction to the latest Bad Bunny Super Bowl performance turns into something much deeper. The OGs break down culture, generational shifts, representation, and how far the game has really come. These aren't polished takes — they're raw, unscripted moments pulled straight from lived experience. From poverty to prosperity, we unpack the history behind the headlines and what moments like this mean for the next generation. This isn't just commentary — it's OG wisdom on legacy, elevation, and what it truly takes to rise in any era.   For Business Inquiries & Podcast Consultation: santiago.consultant@gmail.com     For Podcast Inquiries: agnbpodcast@gmail.com       Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Tik Tok - @agnbmarketing Facebook - All Gas No Breaks Podcast  X (Twitter) - @AGNBpodcast   Comment for more video ideas below!   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE

OG Wisdom in a LUXURY ERA!   What starts as a reaction to the latest Bad Bunny Super Bowl performance turns into something much deeper. The OGs break down culture, generational shifts, representation, and how far the game has really come. These aren't polished takes — they're raw, unscripted moments pulled straight from lived experience. From poverty to prosperity, we unpack the history behind the headlines and what moments like this mean for the next generation. This isn't just commentary — it's OG wisdom on legacy, elevation, and what it truly takes to rise in any era.   For Business Inquiries & Podcast Consultation:   santiago.consultant@gmail.com       For Podcast Inquiries: agnbpodcast@gmail.com        Click Here To Subscribe!      Instagram -  @agnbmarketing  Instagram - @agnbdmv CashApp   - $agnbpodcast Tik Tok - @agnbmarketing Facebook - All Gas No Breaks Podcast  X (Twitter) - @AGNBpodcast   Comment for more video ideas below!   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE

On this episode of The Wisconsin Sportsman, Pierce is joined by Matthew Mendini from the onX Fish team to learn more about the latest member of the onX family, and how to use it to catch more fish! Matthew is a Wisconsin-native who found himself as one of the OGs of the TroutRoutes team, and is now shifting his focus towards onX Fish. Matthew shares how he reached his current position through being an avid angler and outdoorsman, and then the guys dive into the key features of onX Fish, what sets it apart from other fishing apps, why technology seems to be more easily accepted in the lake-fishing community, Matthew's approach to e-scouting lakes for different species, where the app's data comes from, and how you can use onX Fish to explore more water this year! All that and more in this week's episode! Huge thanks to Matthew for coming on the show! To learn more about onX Fish, head on over to onxmaps.com/fish to set up a 7-day free trial, and follow along with Matthew's adventures @matthewkmendini on social media   Big thanks to our fantastic partners: Lone Wolf Custom Gear: www.lonewolfcustomgear.com onX Hunt: www.onxmaps.com Huntworth: www.huntworthgear.com Good Chance Fly Fishing: www.goodchanceflyfishing.com Wisconsin Backcountry Hunters & Anglers: www.backcountryhunters.org/wisconsin Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Season 4 of The Breakdown is here!Host Lauren is kicking off with a spotlight on the unseen heroes of healthcare — our call center team at Rothman Orthopaedics. Patient Access Director MaryKate Wacker talks training, structure, and what great customer service looks like in healthcare. Plus, Lauren chats with Mary and Judy — two call center OGs — about 30+ years of ringing phones, office cigarettes, tales of Richard Rothman, and why they've never hung up on this career.

 In this episode, the hosts welcome Rekha Gibbons, (08:00) a former Wall Street professional turned endurance athlete and author of 'Marathon Mindset.' They discuss her journey from the corporate world to embracing running, the mental challenges faced in endurance sports, and the importance of community and support in achieving personal goals. The conversation also touches on the spirituality of running, particularly in beautiful locations like Kauai, and the significance of celebrating achievements in the running community. In this engaging conversation, Rekha Gibbons shares her journey of self-discovery through running and the importance of mindset in endurance sports. She discusses the challenges of negativity and the need to take ownership of one's mental space. Rekha reflects on the lessons learned from the original pioneers of running and emphasizes the role of community in supporting runners. She also shares her experiences in writing her book, the challenges faced during the launch, and the significance of running for mental health.Chapters00:00 Intro03:10 New Snowblower07:41 Rekha's Journey from Wall Street to Endurance Athlete14:27 The Impact of Social Media and Marketing17:09 Rekha's Transition to Endurance Sports25:29 The Spiritual Side of Running28:24 The Journey to Writing Marathon Mindset30:01 Leading Across Generations34:04 The Default of Negativity35:14 Taking Ownership of Your Mind38:54 Breaking Mental Barriers40:38 The OGs of Running46:25 Personal Experiences in Running51:51 The Journey of Writing a Book57:11 The Book Cover and Its Significance59:05 The Mind-Body Connection in Running01:01:51 The Importance of Personal Storytelling01:04:09 Hot Takes on Opinions and Media01:06:54 Music and Motivation in Running01:10:54 Final Thoughts and Where to Find Rekha Gibbons01:13:55 Outro and Book Giveaway01:15:45 Celebrating Achievements in Running01:19:52 March Madness: Medals vs. Shoes01:23:41 Tech Talk: Fruit Podcast Updates01:25:32 Health and Recovery Updates01:27:39 Tokyo Marathon Excitement01:31:45 Reflections on Team Dynamics in Sports01:33:36 Closing Remarks and Listener EngagementMarathon Mindset on AmazonRekha's InstagramRekha's WebsiteRekha's YouTubeStrava GroupLinktree - Find everything hereInstagram - Follow us on the gram YouTube - Subscribe to our channel Patreon - Support usThreadsEmail us at OnTheRunsPod@gmail.com Don't Fear The Code Brown and Don't Forget To Stretch!

Stadig flere ønsker å utsette barnas mobildebut. Skjermfri og mobilfri barndom er blitt det nye idealet. Også vi voksne blir stadig mer bevisste på egen skjermtid, og mange ønsker å gjøre noe med det. Kan produktene til et lite norsk selskap, notert på Oslo Børs, være løsningen? Gründer og administrerende direktør Sten Kirkbak i Xplora Technologies gjester E24-podden, hvor han blant annet forteller om de dramatiske minuttene på et kjøpesenter i Oslo da ideen til selskapet oppstod, hva selskapet tjener penger på, og hvordan det er å konkurrere med de store teknologigigantene.

Hei og hopp, og gooood morgen!! I dag har vi snakket om boller og brus, Amerika og rus, konger med krus. Neida, men vi snakker litt om alt som skjer i verden da! Også må vi introdusere nytt medlem i gjengen!! Kathrine Har begynt hos oss, så i denne episoden blir vi godt introdusert til henne! Her får du høre hennes SYKE tanker om seg selv! Programleder: Julie Rhodin I studio: Henrik Revheim og Kathrine Grongstad Produsent: Anine Fredstad Ansvarlig redaktør: Vilde Havn

Sam Wouters from River shares the latest insights on Bitcoin and Lightning Network adoption, highlighting recent data, growth trends, and misconceptions. Stephan and Sam also discover how Lightning is scaling, the role of institutional and business adoption, and effective strategies for individual investors.Takeaways:

Jason Abreu grew up in a good family, on track to become a lawyer, until the recession blew up his plans and pushed him into the New York City nightlife scene. What started as legit nightclub promoting slowly turned into moving drugs through NYC clubs, big money, fast nights, and a double life he thought he had under control. Then undercover cops took him down, and Jason was sent to New York state prison. He got out, went right back to the game, and got caught again, earning a second trip upstate. In this episode, Jason sits down with me and breaks down exactly how it happened: the first bad decision, how the nightclub world really works, the rush of easy money, the takedown, and what New York state prison is actually like on the inside, from daily politics to survival _____________________________________________ #NYC #NewYorkStatePrison #PrisonLife #UndercoverCops #DrugDealing #NightclubCrime #TrueCrime #prisonstories _____________________________________________ Thank you to 300 LETTERS for sponsoring this episode: Visit http://300letters.org/ to learn more or get support. Your donation to 300 Letters is an investment in safer neighborhoods & healthier families. _____________________________________________ Connect with Jason Abreu: Instagram: @madeupnorthnyc Podcast IG: @offthecountpodcast _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 From Prison Transfer To State Property 00:44 Jason Abreu: Good Kid, Good Family 02:23 Wanted To Be A Lawyer, Stayed Out Of Trouble 04:34 How NYC Nightlife Pulled Him Off Track 06:14 Crash, Drugs & Ego: The Downward Spiral 11:12 Getting Shot In The Club & Feeling Invincible 16:47 Ignoring Trauma & Diving Deeper Into Nightlife 19:43 Drugs, Greed & His First Indictment 23:56 Undercover Cop Setup & The Arrest 27:38 Arrests, Bail Money & Mounting Consequences 33:39 First Time On Rikers Island 37:11 Plea Deal, Charges & Sentencing Explained 39:50 Upstate Prison Life: Politics & Violence 51:47 Survival Rules, OGs & Getting Ready For Release 54:07 Re-Entry, No Money & Old Temptations 59:13 Second Arrest & The Ultimate Betrayal 01:04:18 Resentment, Forgiveness & Coming Back To Prison 01:09:19 Second Bid: Pandemic Lockdowns Inside 01:12:21 Finding Purpose & Breaking His Own Cycle 01:15:56 “Made Up North” – Turning His Story Into A Movement 01:19:00 Avoiding Triggers & Staying Out Of The Game 01:22:31 Rebuilding Life, Writing The Book & Giving Back 01:24:41 Why His Story Matters & Final Message To Viewers Learn more about your ad choices. Visit megaphone.fm/adchoices

THORChain's Kenton and Denny have a conversation with Vik from Cake Wallet, one of the founding members of an AMAZING crypto wallet which were the OGs to add XMR support to a wallet that could be used within your phone. Cake Wallet has been growing extremely quickly and is setting the standard on great UX and exhibiting the ethos of no-KYC, permissionless and decentralization!

On today's episode, Rich Emmons joins Travis Ishida for a wide-ranging conversation on the NRL Hunter Podcast – from the evolution of competitive shooting organizations to the growth of hunter-style matches, the upcoming 2026 Rough Creek Hunter's Revenge in Glen Rose, TX, hunting experiences, new rules, and more! NRL HUNTER is a series of competitions for hunters by hunters. It brings ethical hunters together in an innovative, competitive format for new and seasoned hunters to learn about their gear, overall capabilities & limits, and about local hunting terrains. Hear more about the new hunter event in TX, hunting stories, new season rules, future ideas, and more on the NRL Hunter Podcast! Index: • 00:59 – Rich Emmon's Background • 13:19 – Birth of NRL Hunter • 17:57 – Back in the Game • 25:52 – Teams aspect of the Sport • 28:38 – Communication and Time Management • 40:35 – Rough Creek Hunter's Revenge • 46:36 – Weather in this Game • 49:53 – Hunting season recap • 1:29:48 – 2026 NRL Hunter Rules and Future Ideas • 1:50:00 – OGs and Innovation • 1:56:22 – Hunter Games • 1:58:55 – Closing and last remarks Links: • 2026 Rough Creek Hunter's Revenge - https://www.nrlhunter.org/matches/708ac037-8a27-44d0-8e9c-313c619c1283 If you enjoyed this podcast, make sure to subscribe to us on Soundcloud or iTunes for more episodes and write us a review! Share this episode with anyone interested in all things Hunting. Do you have questions, comments, or insight on the topics discussed today? Shoot an email to prforce@nrlhunter.org with Subject: “NRL Hunter Podcast S6 E2” Follow Us On: Website: https://nrlhunter.org/ iTunes: https://podcasts.apple.com/us/podcast/nrl-hunter-podcast/id1549731175 Soundcloud: https://soundcloud.com/nrlhunter Spotify: https://open.spotify.com/show/4iUZ7wGSFtvrcpzRNJWsWb?si=XrSdnol1QnGJRPmrZpHCdA&nd=1 FB Community Group: https://www.facebook.com/groups/nrlhuntercommunitygroup Instagram: https://www.instagram.com/nrlhunter/ YouTube: https://www.youtube.com/NationalRifleLeague Release date: 21 February 2026

Co-Host Steve "The Dean" Williams (https://mountaintoppodcast.com/dean) Well, here we are...finally all the way to episode #500. Massive respect and appreciation to all of you guys who've supported the show over the years, many since the very beginning back in 2007...when it was originally called The Chick Whisperer. The first guy I thought of to join me for this milestone episode was none other than Steve "The Dean" Williams, who co-hosted the first ten episodes with me BITD. And it's been too long, so the OGs got the band back together for one special show. Get your crayons out, gentlemen...we're about to chop up some game. And I figured nothing would launch us both into one of our patented rants than a topic like What's Wrong With Men And Women Nowadays? We get rolling by talking about what's changed over the last 19 years, and what's stayed the same. How have men been blown and tossed by whatever the "next new thing" is in dating and relationship advice? What has post-modern culture done to men's mindset regarding women? Are men really willing to forsake women nowadays at the risk of their name, bloodline and legacy? And wait a minute...are the redpilled "gurus" on YouTube the ones encouraging that empty end result? Why don't you hear about "toxic masculinity" in the media anymore? How can it be after all these years that most men still don't understand how women are wired sexually? What happens when "truth" become negotiable? Sure, we sound like a couple of "Uncs", but what if the new school really is the old school? OGs got your back. Has it taken you 500 episodes to finally get signed up for the free newsletter? https://mountaintoppodcast.com === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === The show is now available as a VIDEO version on YouTube. For some reason, the episodes seem funnier...if a bit more rough around the edges. If you love what you hear, please rate the show on the service you subscribed to it on (takes one second) and leave a review. As we say here in Texas, I appreciate you!

Er der to, der stod sammen - dengang de begge var i Venstre, er det Lars Løkke og Troels Lund. Men nu er der valgkamp. Og bedst som udenrigsministeren var på vej til Afrika for at tale bistandspolitik, lancerede Troels Lund sit forslag om at skære i netop ulandsbistanden. Også i spørgsmålet om skat på boligsalg, som Moderaterne vil have ind i valgkampen, er de tidligere kampfæller lodret uenige. Kan den nye Venstreformand træde ud af sin forgænger og læremesters skygge ved at udfordre netop ham, altså Løkke? Gæster: Mads Hørkilde, politisk journalist og Bent Winther, politisk kommentator på Berlingske Vært: Jacob RosenkrandsSee omnystudio.com/listener for privacy information.

In this episode of the GaryVee Audio Experience, I hold a consultation at VaynerMedia focusing purely on tactical business talk. I dive deep into why broad, single-message marketing fails, and I offer my solution: hyper-targeting with thousands of different content pieces across text, audio, and video. I give B2B companies a roadmap for where the greatest sales opportunity lies (HR dynamics), and I explain why Facebook and Instagram ads are still drastically underpriced, regardless of your industry. I also advise entrepreneurs on how to transition their mentality from founder to executive, stressing the importance of protecting company culture by firing toxic "OGs" and committing to a private label brand. You'll learn:Why I think businesses should be running 4,000 to 8,000 pieces of content, not 12.My specific examples of using psychographics (like a 1985 World Series reference) to drive B2B conversions.Why I believe success is predicated on firing those who don't like change.How to combat manufacturers going direct-to-consumer by "quadrupling down on brand."My strategy for eliminating customer risk when selling unowned inventory (like $500k concrete pumps)Why the ultimate failure for scaling businesses is trying to force employees to be on camera

We're on Apology Dune with Courtney as Amanda and Mary as Kyle reenacting the scene and of course analyzing it with our shared minor in psychology. Let's just say we are very thankful those two are already separated. Meanwhile, the rest of the house is actually having fun and the newbies are giving us hope that Summer House is going to be ok when the OGs move onto In The City. Come judge with us!You can find us:Podcast: ACast, iTunes, Spotify, wherever you listen!Instagram & Threads: @twojudgeygirlsTikTok: @marytwojudgeygirls // @courtneytjgFacebook: www.facebook.com/twojudgeygirlsMerch: www.etsy.com/shop/twojudgeygirlsPatreon: www.patreon.com/twojudgeygirls LTK: @marytwojudgeygirls // @courtneytjg Hosted on Acast. See acast.com/privacy for more information.

Back to the roots we go! When the OGs step in the room you gotta let em cook, it's been a minute! The OGs show up one final time to discuss J. Cole's album "The Fall Off", new music, where life is with everyone now and all of the things that derived from the origins of No Static!Dennis is here, Jordan is here, Sebastien is here, Dee Da Goat is here, Coop is here, JQ is here and AJ is here. Y'all know the quotes!

We just got a behind the scenes look at what is happening in Bittensor from a whale who runs a Bittensor specific fund. There is a reason that OGs are calling this the next Bitcoin and why billionaires are all in. In this episode, we find out what is coming next for Bittensor and how subnets are rapidly evolving.

Iben Mondrup forlader sin familie, fordi hun møder Niels, der også er forfatter. Også ham bliver hun gift med, og de lever en tilværelse, der primært foregår fra soveværelset. Det er der, de skriver, dyrker sex og drikker litervis af Cremant som de har stående i hele kasser. Sammen udforsker de grænserne for, hvad man kan i et forhold. Sex har altid været en stærk drivkraft i hendes liv, men til sidst får hun alligevel nok. Og hun gør det, hun plejer at gøre: Bliver forelsket i en ny. Vært: Anne Sofie Kragh Klipper: Leo Peter Larsen Redaktør: Christian Stemann Research: Sarah BechSee omnystudio.com/listener for privacy information.

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!

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.

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

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

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

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.