Podcasts about Palace

Welcome to the Christmas series! The magi arrive at the palace of King Herod, looking for the King of the Jews. Herod welcomes them with false-humility, smiling through his gritted teeth. Something isn't right. Sign up for special devotionals at StoriesoftheMessiah.com. As we dive deeply into iconic Bible heroes' enthralling narratives, we find more than just stories of faith and miracles. We discover a recurrent theme, a spiritual undertone that connects each tale to the grandeur of the Gospel. They're not just standalone legends; they're threads in a divine tapestry, weaving a story that foreshadows Jesus Christ, the ultimate hero, the promised Messiah who brings light to the darkest corners of history. For more Bible stories download the Pray.com app.  To learn more about Rabbi Schneider visit https://discoveringthejewishjesus.com/ See omnystudio.com/listener for privacy information.

Manu Carreño presenta 'El Larguero' desde el hotel Palace de Madrid donde se ha celebrado la 19ª edición de los Premios AS del Deporte 2025. El protagonismo se lo ha llevado Rafa Nadal, homenajeado por toda su trayectoria. Hablamos con él y con todos los galardonados en El Larguero. El campeón del mundo de Moto GP, la mejor atleta del mundo, Jesús Navas y muchísimos más protagonistas. 

United tager endnu en sejr, men hold da op, hvor det var ikke kønt. På et dårligt græstæppe på Selhurst Park måtte De Røde Djævle igen grave dybt, og det endte med to dødboldsmål, to Bruno-assists og en 2-1-sejr, der var mere lettelse end jubel. En grim, men hamrende vigtig sjr.I studiet dykker vi ned i søndagens kamp og spørger os selv om United var gode eller Palace var dårligeDerfra vender vi blikket mod Amorim, der endnu engang er i overskrifterne for sine opsigtsvækkende udtalelser om Dorgu.Er han bare ærlig? Eller er der noget dumdristigt over hans åbenhed?Til sidst bygger vi op mod torsdagsbraget mod West Ham, hvor United skal bevise, at de kan levere mere end bare resultater på vilje og dødbolde.Med i studiet er jeres vært Christian K. Nissen,sammen med Kim Kaarup Le og Jonas Villemoes Larsen.COME ON UNITED!

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

// WHY SETTLE FOR GREY SKIES // WHEN THERE IS SUCH COLOUR, SUCH BEAUTY... // JUST BELOW YOUR FEET? The Wrong Station descends into the deep, warm darkness in... "Palaces Below." Written by Alexander Saxton, and performed by Anthony Botelho. Celebrate 10 seasons of Wrong Station by subscribing to our Patreon at ⁠www.patreon.com/thewrongstation⁠. Explore brand new benefits, hundreds of hours of bonus content, and help ensure Wrong Station stays on the air for another 10 years. The Wrong Station contains explicit content and mature themes. Episode-specific warnings can be found at ⁠www.wrongstation.com/c-w. This particular episode does contain a warning for a very graphic description of animal harm at [22:25]. Learn more about your ad choices. Visit megaphone.fm/adchoices

#941 | Ed and Adam break down United's 2-1 win away at Crystal Palace, a match that split neatly into two stories. The first half looked laboured. The second half looked like a team that finally woke up. They dig into what changed, who stepped up, and why the performance still raises as many questions as it answers. The conversation moves into the bigger picture too. Kyle Macaulay's impending arrival sparks a discussion about how United's recruitment department might finally take shape, what that means for squad building, and how data should guide the next phase. They also look ahead to West Ham, weighing possible lineups and the tradeoffs created by injuries, form, and fixture congestion. 00:00 Introduction01:17 Agenda: Palace, recruitment strategy, West Ham02:31 TV scheduling and matchday experience04:25 Palace vs United analysis06:48 Second half turnaround10:02 Casemiro, Bruno, Mount16:11 System limitations and squad balance19:44 Academy and youth pathways24:04 Zirkzee and Mount goals27:11 Mateta and the penalty shout35:31 Kyle Macaulay and recruitment45:08 West Ham preview and lineup ideas55:19 Rotation and January window56:56 Close If you are interested in supporting the show and accessing a weekly exclusive bonus episode, check out our Patreon page or subscribe on Apple Podcasts. Supporter funded episodes are ad-free. NQAT is available on all podcast apps and in video on YouTube. Hit that subscribe button, leave a rating and write a review on Apple or Spotify. Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's the start of December, which means only one thing: festive fixtures. And lots of them ⚽️

Phil and James are back with their weekly pod

This episode we look at many of the natural events and talk about those observing and writing things down, and why they may have wanted to do so. For more, check out our podcast blogpage:  https://sengokudaimyo.com/podcast/episode-139   Rough Transcript: Welcome to Sengoku Daimyo's Chronicles of Japan.  My name is Joshua and this is episode 139: Observing the "Natural" World. Members of the Onmyou-ryou, dressed in the official robes of their office, sat around in their observation tower, measuring the location of the stars.  They kept their light to a minimum, just enough so that they could write down their observations, but not so much that it would destroy their vision.  As they looked up, suddenly they saw a strange movement: a streak through the sky.  They waited, and observed, and then there was another, and another after that.  It was as if the stars themselves were falling from the heavens.  They watched as it seemed that the constellations themselves were melting and falling apart.  Quickly they scribbled down notes.  Tomorrow, with the light of day, they would consult various sources to see just what it could mean.  For now, their role was simply to observe and record.   Welcome back, everyone.  It is the height of holiday season in the US as I record this, and in our narrative we are in the middle of the reign of Ohoama, aka Temmu Tennou, who came to power in 672 and who has been shoring up the Ritsuryo state instigated by his late brother, Naka no Oe, aka Tenji Tennou.  We have talked in recent episodes about how Ohoama put a lot of the state under the control of members of the royal family, or at least those with claims to royal blood, and how he had also begun work on the Chronicles—the very works that we have been using to try and understand the history of this and earlier periods.   It seems clear that Ohoama and his cohorts were doing their best to solidify their control and, in the process, create what they felt was a modern state, leveraging the continental model, but not without their own local flavor.  After all, they were also investing in the kami based rituals of state and specifically in Ise shrine, which they claimed as an ancestral shrine for their lineage. This episode, let's dig into another thing that was getting reported around this time.  And that is… science!  Or at least observations of the world and indications of how people were interacting with it. Before going into the subject, I want to acknowledge that "science", or "Kagaku" in modern Japanese, may not look like what we think of as "science" today.  The word "Kagaku" itself appears to come about in the late Edo period, and became associated with the western idea of "Science" in the Meiji period.  Today we think of it as observations, yes, but also testing via the scientific method. I think it might be more appropriate to categorize a lot of earlier science under a term like "learning" or "study", and it seems to have encompassed a wide range of topics of study, some of which we would include as "science" and some which we might refer to more as "arts".  There is also a very fine line with religion and philosophy as well. From a modern perspective, I think one could fairly argue that "science"—particularly the so-called "hard" sciences—refers to something that can be empirically tested via the scientific method.  So you can see something, form a hypothesis, create a test, and then that test should produce the same results no matter who conducts it, assuming you account for the variables. And please don't @ me about this… I know I am simplifying things.  This isn't a podcast about science unless we are talking about the social sciences of history and archaeology. In contrast to our modern concept of science, much of what we see in the Asuka era is built around using our reasoning to arrive at the truth of something.  In cases where we are dealing with clearly physical phenomena that have observable causes and effects, this can lead to remarkably reliable results.  One example of this is calendrical science—it isn't that hard to observe the passing of days and seasons.  Even the rotation of the earth and the movements of stars and even something with as large a period as comets could be observed and tracked, especially if you had centuries of data to comb through.  In fact, they often would predict things that it turns out they couldn't, themselves, see.  They could predict that an eclipse would occur, for example, even when that eclipse was only visible somewhere else.  And they didn't have to calculate gravitational pull, mass, or distances between different heavenly bodies for that to occur. Similarly, in the agricultural sphere: you had so many people who observed the seasons and would figure out new ways of doing things.  It doesn't take an understanding of chlorophyl to know that plants generally do better when exposed to sunlight. I believe the leap happens when you get to things that go beyond purely observable means.  Sickness, for example—how do you explain viruses or germs without equipment like microscopes to see what our eyes alone cannot?  And if such "invisible" things could cause so much damage, then why could there not be other "invisible" elements, such as kami and boddhisatvas?  And as humans we are driven to make connections.  It is one of the things that has driven our technological innovation and rise, but it is also something that can easily go awry.  Like when you are sitting in a dark house, alone, and you hear a noise.  Rationally, you might know that houses settle and creak, but that doesn't necessarily stop your brain from connecting it with thoughts that someone must be in the house making that noise. Or even how we make judgments based on nothing more than how someone talks or what they look like, because our brains have made connections with those things, for good or ill. A large part of the rationalization that was accomplished in Asian thought had to do with concepts of Yin and Yang, the negative and the positive, the dark and the light.  This was thought of as a kind of energy—qi or ki—that was embedded in things.  We discussed this somewhat back in episode 127, because yin yang theory, along with the five element theory, known as Wuxing or Gogyou in Japanese, became embedded in the idea of the calendar.  Why was summer hot, except that it was connected with an excess of fire energy?  And the cold, dark days of winter would be associated with an excess of water, naturally. I should note that while this is one of the more comprehensive philosophical systems in use, it was not the only means by which various phenomena and effects were rationalized.  After all, it had to be imposed on a framework of how the world otherwise worked, and descriptions of the world came from a variety of places.  There was, for example, the Classic of Mountains and Seas, or Sanhaijing, which detailed the world as envisioned in the period before the Qin dynasty, although there were occasional updates.  The Sanhaijing  described regular plants and animals in the same breath as gods and monsters.  There were also various buddhist sutras, which brought their own cosmological view of the universe that had to be squared with other visions, including those passed down locally describing the archipelago as the "Reed Plain" and giving particular importance to eight of the islands—though which eight depends on which variant of the creation myth you are referencing. To categorize the study of the natural—and what we would consider the supernatural—world around them, the Ritsuryou set up specific bureaus.  One of these was the Onmyou-ryou, the Bureau of Yin-yang, also known as the Onyo no Tsukasa.  This Bureau oversaw divination, astronomy, time, and calendars.  At its head was the Onmyou-no-kami.  Below them were the various scholars studying the core subjects, as well as technical practitioners to carry out the rites and divination. On the continent, priority was generally given to astronomical and calendrical studies, and many of the more magical practices or rituals would fade away, likely because there were local Taoist institutions who could take up much of that work.  In Japan, however, it seems that the calendrical studies tended to ossify, instead, while onmyoji came to fill a role not just for the state but also among the population for divination and other such practices.  Even into the Edo period one could find private onmyoji, and the Bureau itself lasted until the very beginning of the Meiji period. Another important institution of the Ritsuryo government for learning was the Daigakuryou, the Bureau of Great Learning.  Students of Japanese may recognize the term "Daigaku" referring, today, to universities. The original concept for the Daigaku-ryou, or Daigaku no Tsukasa, was focused on the study of those things that were considered perhaps a bit more practical and necessary to anyone who might want a political career.  Since this was founded on concepts of Confucian government, it is little wonder that it was originally designed to focus on Confucian studies, among other things.  This fits into the idea of a supposed meritocracy, where one's education was part of the examination.  You may recall from Episode 115 we talked about the National University in Chang'an, which is likely something that the Daigaku Ryou could only ever dream of becoming. Early arts taught at the Daigaku Ryou included the Confucian classics, mathematics, writing, and Chinese pronunciation.  These were all things that you would need to know to become a part of the bureaucracy The idea of a school may have been born along with the early institution of the government, with mention as early as 671, in the last year of Naka no Oe's reign, but we don't have it clearly established in the code until later.  Full operations may have been somewhat delayed due to the tumultuous events of Ohoama's accession to power in 672, but we do see it explicitly mentioned in the year 675.  On the first day of the year we are told that Students from the Daigaku Ryou, along with students from the Onmyou-Ryou and from the Gaiyaku Ryou, the Bureau of External Medicine; along with the Woman of S'ravasti, the Woman of Tara, Prince Syeonkwang of Baekje, and Silla labourers offered presents of drugs and various rarities. We talked about the first two, the Daigaku-ryou and the Onmyou-ryou, but the Gaiyaku Ryou doesn't seem to have a lot of information out there beyond this mention.  Later there would a "Ten'yaku Ryou", or Bureau of Medicine, established in the code.  Since we don't have any extant codes from this period beyond what was written down in the Nihon Shoki, we don't know for certain what the Gaiyaku-ryou was , and it is possible that the Gaiyaku-Ryou was a precursor to the Ten'yaku Ryou.  "GAI" means "outside" or "external", leading me to wonder if this referred to external medicine in contrast to internal medicine, or if it meant medicine or drugs from outside teh archipeloago. I would point out that these students are found with the Woman of S'ravasti, or Shae; the Woman of Tara; a Baekje prince and Silla labourers.  In other words, they were all people from outside of the archipelago.  This is not entirely surprising as it was from outside that much of the learning was coming into the country. "Yaku" or "Kusuri", which can be translated as either "Drugs" or "medicine", could refer to a number of things.  How effective they were is somewhat questionable. Almost certainly some of them had confirmed medicinal efficacy, but others may have been thought to have been effective due to things like their connection to the five elements, or wuxing, theory. For example, something red might be assumed to have a warming effect because of the presumed presence of the fire element.  And the power of the placebo effect no doubt made them seem at least partially effective.  Consider, for example, how many people will swear by certain remedies for the common cold when all it really does is distract you, or perhaps make you a bit more comfortable, until the symptoms pass on their own. A more certain science was probably that of Astronomy, which we've mentioned a few times.  The passage of the stars through the sky was something that could be easily observed.  There is a theory that some of the first lines in the Yijing, or book of changes, may actually be a description of the changing of seasons as different aspects of a given constellation rise over the horizon, and the placement of certain stars would help in the adjustment of the lunar calendar, since the moon's orbit does not match up exactly with the solar year, and year the solar year was quite important to things like agriculture and even sailing to the mainland. This all makes 675 a seemingly banner year for science, as four days after the presentation of medicine to the throne, the government erected a platform by which to observe the stars.  This wouldn't need to be much—it could have been an earthen mound, or just a tower, from which one could get above the ground, presumably see over any buildings, to the horizon.  Granted, Asuka might not be the best place for such observations, with the nearby mountains meaning that the true horizon is often obstructed.  Nonetheless, it may have been enough to make calculations. Astronomy platforms, or Tenmondai, would continue to be used up until at least the Meiji period.  Without a telescope, observations were somewhat limited—though they also didn't have the same level of light pollution that we have today.  Remember, many woke just before dawn and went to sleep not too long after the sun went down, which only makes sense when you are living in a place where creating light, while doable, also ran the risk of burning your entire house to the ground. It is worth noting that the sky for the ancient Japanese was likely quite different than what most of us see when we look up, unless you are fortunate enough to live in a place with very little light pollution.  For many of those living today in the cities and suburban landscape, go outside at night and you might see the moon and some of the brightest stars, but for most of the ancient Japanese, they would look up and see the heavenly river, the Amakawa, or Milky Way.  They would have looked up at a sky glittering with myriad dots of light, as well as planets and more.  It was both familiar and strange—something one saw regularly and yet something that was also extremely inaccessible. Astronomical observations would have been important for several reasons, as I've mentioned.  They would have been used to keep the calendar in check, but they would also have likely been used to help calibrate the water clock, which helped to tell time.  Of course, going back to the five elements and yin yang theory, it is also believed that the energy, the qi or ki, changed with the seasons and the movements of the stars and planets—planets were not known as such, of course, but their seemingly erratic movements compared to bright lights in the sky meant they were noticed and assigned values within the elemental system. One of the things that came with the changing seasons, the heavenly movements, and the flow of ki was a concept of "kata-imi", literally directional taboos.  There were times when certain directions might be considered favorable or unfavorable for various actions.  This could be something as simple as traveling in a given direction.  In the centuries to come this would spawn an entire practice of kata-tagae, or changing direction.  Is the north blocked, but you need to travel there, anyway?  Well just go northwest to say hello to a friend or visit your local sake brewery, and then travel due east.  Ta-da!  You avoided going directly north!  There were also mantra-like incantations that one might say if they had to travel in an inauspicious direction to counteract the concept of bad influences. This also influenced various other things, and even today you will often see dates where a year and month might be followed by simply the character for "auspicious day" rather than an actual day of the month. So observing the heavens was important, and it was also important that they tostudy the works of those on the continent, whose records could help predict various astronomical phenomena.  Except that there was one tiny problem:  I don't know if you've noticed, but Japan and China are in two different locations.  Not all astronomical phenomena can be observed from all points of the globe.  The Northern Lights, for example, are rarely seen in more southerly latitudes, and while eclipses are not too rare, a total eclipse only impacts certain areas of the earth, along relatively narrow paths. I mention this because it isn't always clear if the records we get in the Nihon Shoki are about phenomena they directly observed or if they are taking reports from elsewhere and incorporating them into the narrative.  One such event is the comet of 676. The entry in the Nihon Shoki tells us that in the 7th lunar month of the 5th year of Temmu Tennou, aka 676 CE, a star appeared in the east that was 7 or 8 shaku in length.  It disappeared two months later. We've mentioned some of this before, but the sky was divided up into "shaku", or "feet", though how exactly it was measured I'm not entirely sure.  It appears to be that one foot was roughly 1.5 degrees of the sky, give or take about a quarter of a degree, with 180 degrees from horizon to horizon.  So it would have been about 10 to 12 degrees in the sky.  Another way to picture it is if you hold out your arm towards the object, and spread your index and little finger, it would probably fit between those two points.  This comet hung around for some time, and a great part about a comet like this is that it was viewable from multiple locations.  After all, as the earth turned, different areas were exposed to the comet as it passed through our part of the solar system.  Thus we have records of it from not just the Nihon Shoki:  We also find it in the Anglo-Saxon chronicles, where it was thought to have foretold the end of Bishop Wilfred's control of Northumbria.  We also see it in Tang, Silla, and Syrian sources. These sources aren't always in complete agreement.  For one thing, they noted when they first saw it, which might have been impacted by local conditions.  And then conversion between lunar and solar calendars can also sometimes get in the way.  Roughtly speaking, we have the Nihon Shoki providing dates of somewhere from about August or September of 676, on the Western calendar, to October or November. Tang sources put it from 4 September to 1 November.  Silla Chronicles claim that it first appeared in the 7th lunar month, so between August and September.  A Syrian Chronicle notes a comet from about 28 August to 26 October in the following year, 677, but this is thought to have been a mistake.  European sources generally seem to claim it was seen in August and lasted for three months.  All of these sightings put it at roughly the same time. Working with that and with known comets, we think we actually know which comet this is:  The Comet de Cheseaux also known as the Comet Klinkenberg-Cheseaux.  And I should mention this is all thanks to a research paper by M. Meyer and G. W. Kronk.  In that paper they propose that this is the comet with the designation of C/1743 X1, or the common names I just mentioned.  If so, based on its trajectory, this comet would have been visible in 336, 676, 1032, 1402, 1744, and is next predicted to show up in 2097.  And no, those aren't all exactly the same amount of time.  It is roughly every 350 years or so, but with the movements of the solar system, the planets, and various gravitational forces that likely slow or speed up its movement, it doesn't show up on exactly regular intervals.  Still, it is pretty incredible to think that we have a record of a comet that was seen the world over at this time, by people looking up from some very different places. Comets were something interesting for early astronomers.  They may have originally been seen as particularly ominous—after all, in the early eras, they were hardly predictable, and it would take years to get enough data to see that they were actually a somewhat regular occurrence.  In fact, it is likely that early astronomers were able to figure out eclipse schedules before comets.  Still, they seem to have come to the realization that comets were in fact another type of natural and reoccurring phenomenon.  That isn't to say that they didn't have any oracular meaning, but it did mean they were less of an obvious disturbance of the heavenly order. We have another comet mentioned in the 10th lunar month of 681, but that one seems to have had less attention focused on it, and we don't have the same details.  Then in the 8th lunar month of 682 we have an entry about a Great Star passing from East to West—which was probably a shooting star, rather than a comet.  Comets, for all that they appear to be streaking across the sky thanks to their long tails, are often relatively stable from an earthbound perspective, taking months to appear and then disappear again. Then, on the 23rd day of the 7th month of 684 we get another comet in the northwest.  This one was more than 10 shaku in length—about 15 degrees, total, give or take.  Given the date, we can be fairly confident about this one, as well: it was the famous Halley's comet.  Halley's comet is fascinating for several reasons.  For one, it has a relatively short period of about 72 to 80 years, though mostly closer to 75 to 77 years in between sightings.  The last time it visited the earth was in 1986, and it is expected back in 2061.  Halley's comet has been recorded since the 3rd century BCE, and, likely because of its short period, it was the first periodic comet to be recognized as such.  There are other periodic comets with short periods, but many of them are not visible with the naked eye.  Halley's comet is perhaps the most studied comet, given its regular and relatively short periodicity.  It is also connected to the famous writer, humorist, and essayist, Samuel Langhorne Clemens, aka Mark Twain.  He was born only a few days after the comet reached perihelion in 1835 and died a day after it reached the same point again in 1910, and while he may not have visited Japan in his lifetime, it was a period of great change both in his home country of America and in Japan.  America, of course, would undergo a Civil War over the issue of slavery in the early 1860s, and shortly after that Japan would have its own civil war in the form of the Meiji Revolution.  And while he never visited—and translation could only do so much to capture the art of his prose—Mark Twain's works were apparently quite influential in Japan in the early 20th century. Of course, comets were just one of the celestial phenomena to be observed.  The astronomers were interested in just about anything happening in the sky.  We have accounts of both solar and lunar eclipses, and not necessarily full eclipses either.  We even have notice of the movement of some planets, such as in 681, when they noted that the planet mars "entered" the moon. Obviously the astronomers weren't recording every raincloud that came through—at least not in the main chronicles—but they did capture a fair number of events.  They did record particularly memorable storms.  For instances, in the 8th lunar month of 675 there was a storm that is said to have caused sand to fly and which then damaged houses.  This sounds like a wind storm without rain—after all, if there was rain, you would expect that the sand would have been wet and tamped down.  It is possible to have hurricane level winds without the rain.  While typhoons typically bring rain, especially as they usually build up their strength at sea, it is possible to have the winds alone, as I've experienced, myself, in Tokyo.  This most likely happens in an isolated area—there is water and rain somewhere, but the typhoon can be large, so parts of it may only get the wind and little or no rain.  I wonder if something like that happened in this instance.  It is also possible that this record refers to actual sand being brought across from the continent.  In some instances, sand can be lifted up from as far away as Mongolia and carried all the way to Japan, though it is pretty rare. And it wasn't just wind and sand.  We get accounts of hail coming down as large as peaches, torrential rainstorms, and even ash, likely from a volcanic eruption that was otherwise unrecorded.  There are also accounts of snow, though typically recorded in times where you wouldn't expect to see it, such as the third lunar month, which would mean snow in late April or early May. Mostly these storms are mentioned in terms of how they affected the immediate fortunes of the living, but sometimes storms did even more damage.  In 682, for example, a hoar-frost was reported in both Shinano and Kibi in the 7th lunar month.  On its own, this probably wouldn't have been worth mentioning, but the chroniclers add that because of storms the "five grains had not formed".  So storms had diminished the crops and the hoar-frost was apparently the killing blow.  The harvest that year would be lean, and it would not be a happy time for many that winter. And then, just as important as what was happening was what was not.  There are several mentions of droughts, particularly towards the end of Spring, early Summer.  This is traditionally a drier period, and if it is too dry it could harm the harvest.  And so the government was expected to find a way to bring the rain—a tall order, the general resolution to which seems to be prayers and rituals designed to bring rain.  In a place like Japan, I suspect that it was usually just a matter of time before the prayers were "successful", thus reinforcing their presumed efficacy. Some of the things that they recorded were a bit more mysterious.  For example, in the second lunar month of 680 we are told that a sound like drums was heard from the East.  There are many things this could theoretically be, from rumbles of thunder to some other phenomenon, though the following year we have a note about thunder in the West, so theoretically they knew the difference between thunder and drums.  Later that same year, 680, we are told that there was a "brightness" in the East from the hour of the dog to the hour of the rat—about 8pm to midnight.  Was this some kind of aurora?  But wouldn't that have been in the north, rather than the east?    Could it have been some kind of lightning?  But that is a long time for a lightning storm to hang around.  And there are other strange things, some of which seem impossible and we have to doubt.  For example, in 684 they said that, at dusk, the seven stars of the Big Dipper drifted together to the northeast and sank.  Unless they are just recording the natural setting of the stars of the big dipper.  Certainly, over time the constellation appears to rotate around the north star, and it dips down to or below the horizon in the autumn months.  So were they just talking about the natural, yearly setting of the stars, or something else? There may be some clues in that the 11th lunar month, when that was recorded, we see several other heavenly phenomena recorded.  Two days after the Big Dipper set, at sunset, a star fell in the eastern quarter of the sky that we are told was as large as a jar.  Later, the constellations were wholly disordered and stars fell like rain.  That same month, a star shot up in the zenith and proceeded along with the Pleiades until the end of the month.  While this sounds like shooting stars and a possible meteor shower, a later commenter suggested that this was all a heavenly omen for the state of the court, showing the "disordered" state of the nobility at this time.  Of course, this was also a year and change before the sovereign's eventual passing, so there is also the possibility that the Chroniclers were looking at events later and ascribing meaning and importance after the fact. In another account of something seemingly wonderous: in 682 we are told that something shaped like a Buddhist flag, colored like flame, was seen by all of the provinces and then sank into the Japan sea north of Koshi.  A white mist is also said to have risen up from the Eastern mountains. There are various things that could be going on here.  It strikes me that the white mist could be a cloud, but could also be something volcanic.  And the flame colored prayer flag makes me think about how a high cloud can catch the light of the rising or setting sun.  That could look like a flag, and can seem extremely odd depending on the other conditions in the sky. Or maybe it was aliens. Okay, it is unlikely that it was aliens, but I think that these do give an idea of the kinds of records that were being made about the observed phenomena.  Obviously the Nihon Shoki is recording those things that were considered particularly significant for whatever reason.  This could just be because it was something odd and unexplained, or perhaps it was more well known but rare.  It may have even had religious connotations based on some aspect, like evoking the image of Buddhist flags.  And it is possible that it was thought to have had significant impact on events—perhaps even an impact that isn't clear to us today, many centuries removed from the events. Some things were clear, however.  Lightning strikes are often mentioned specifically when they strike something of note.  In 678, we are told that a pillar of the Western Hall of the New Palace was struck by lightning, though apparently the building itself survived.  Then, in 686, Lighting appeared in the southern sky with a large roar of thunder.  A fire broke out and caught the tax cloth storehouse of the Ministry of Popular affairs, which immediately exploded in flames.  After all, a thatched roofed, wooden building filled with kindling in the form of cloth—and likely a  fair amount of paper and writing supplies to keep track of it all—sounds like a bonfire waiting to happen.  There were reports that the fire had actually started in Prince Osakabe's palace and then spread to the Ministry of Popular Affairs from there. It is also worth noting that recording of such events was still somewhat new to the archipelago as a whole. They were learning from the continent, but also defining their own traditions. Observations of natural phenomena weren't just relegated to celestial occurrences or weather.  After all, there was something else that one could observe in the sky:  birds.  Now this wasn't your average bird-watching—though I'm not saying that there weren't casual birders in ancient Japan, and if we ever find someone's birding diary from that era I think that would be so cool.  But there were some things that were significant enough to be mentioned. For example, in 678 we get a report of "atori", or bramblings.  Bramblings are small songbirds which are found across Eurasia.  Notably they are migratory, and are known to migrate in huge flocks especially in the winter time, and sure enough on the 27th day of the 12th month we are told that the bramblings flew from the southwest to the northeast, covering the entire sky.  This makes me think about some of the other mass migrations that used to occur that have largely been reduced significantly due to habitat loss, disruption to traditional migratory routes, and other population pressures on various bird species.  Still, having so many birds that it blocked out the sky certainly seems a significant event to report on.  We later see a similar account in 680, with the flock moving from southeast to northwest.  Given the location of Asuka it sounds like they were flocking in the mountains and heading out over the Nara Basin, perhaps seeking food in another mountainous area. In 682, the birders were at it again.  This time, around midday on the 11th day of the 9th lunar month, several hundreds of cranes appeared around the Palace and soared up into the sky.  They were there for about two hours before they dispersed.  Once again, cranes are migratory and known to flock.  Cranes are also known as a symbol of long life and joy—and I can understand it.  Have you ever seen a flock of cranes?  They are not small birds, and they can be really an incredible sight.  Flocks of cranes themselves were probably not that rare, and it was no doubt more about so many gathering around the palace which made it particularly special. It wasn't just birds in the sky that were considered important symbols, though.  Birds often are noted as auspicious omens.  Usually strange birds, plants, or other such things are found in various provinces and presented to the throne.    So in 675, Yamato presented auspicious "barn-door fowl", likely meaning a fancy chicken.  Meanwhile, the Eastern provinces presented a white falcon and the province of Afumi presented a white kite.  Chickens are associated with the sun and thus with the sun goddess, Amaterasu, and albino versions of animals were always considered auspicious, often being mentioned in Buddhist sources.  Later, in 680, we see a small songbird, a "Shitodo", also described as white, and probably albino, sent to the court from nearby Settsu. Then, in 681 there is mention of a red sparrow.  Red coloration is not quite the same as albinism, though it is something that does occur at times, when the brownish coloration comes out more red than brown, and I suspect this is what we are talking about.  This is most likely just a recessed gene or genetic mutation, similar to causes for albinism, but just in a different place in the DNA.  As for why it was important:  I'd first and foremost note that anything out of the ordinary (and even some ordinary things) could be considered a sign.   Red was also seen as an auspicious color, so that may have had something to do with it as well.  And then there is the concept of Suzaku, the red bird of the south.  Suzaku is usually depicted as an exotic bird species of some kind, like how we might depict a phoenix.  But it was also just a "red bird", so there is that, and perhaps that was enough.  Not that this red sparrow was "Suzaku", but evoked the idea of the southern guardian animal.  A year prior, in 680, a red bird—we aren't told what kind—had perched on a southern gate, which even more clearly screams of the Suzaku aesthetic. It is probably worth noting here that in 686, towards the end of the reign, not that anyone knew it at the time, Ohoama decided to institute a new nengo, or regnal period.  It was called Shuuchou—red or vermillion bird—and it likely referred to Suzaku.  This nengo was cut short, however, with Ohoama's death that same year.  Nengo were often chosen with auspicious names as a kind of hope for the nation, so clearly "red bird" was considered a good thing. A month after the red sparrow, Ise sent a white owl, and then a month after that, the province of Suwou sent a red turtle, which they let loose in the pond at the Shima palace.  Again, these were probably just examples of animals seen as auspicious, though they would have likely been recorded by the Onmyou-ryou, who would have likely combed through various sources and precedents to determine what kind of meaning might be attached to them. Color wasn't the only thing that was important.  In 682, the Viceroy of Tsukushi reported that they had found a sparrow with three legs.  There are numerous reasons why this could be, but there is particular significance in Japan and Asia more generally.  A three legged bird is often associated with the sun Andusually depicted as a black outline of a three legged bird inside of a red sun.  In Japan this was often conflated with the Yata-garasu, the Great Crow, which is said to have led the first mythical sovereign, Iware Biko, to victory in his conquest of Yamato.  Thus we often see a three legged crow depicted in the sun, which was an object of particular veneration for the Wa people from centuries before.  And I suspect that the little three-legged sparrow from Tsukushi  I suspect that this had particular significance because of that image. Animals were not the only auspicious things presented to the throne.  In 678, Oshinomi no Miyatsuko no Yoshimaro presented the sovereign with five auspicious stalks of rice.  Each stalk, itself, had other branches.  Rice, of course, was extremely important in Japan, both from a ritual and economic sense, so presenting rice seems appropriate.  Five stalks recalls things like the five elemental theory—and in general five was consider a good number.  Three and five are both good, prime numbers, while four, pronounced "Shi", sounds like death and is considered inauspicious.  Three, or "San" is sometimes associated with life, and five is associated with the five elements, but also just the fact that it is half of ten, and we have five fingers on one hand and in so many other ways, five is regarded as a good number in much of Asia. That the stalks had multiple branches likely referred to them bearing more than the usual amount of rice on them, which seems particularly hopeful.  Certainly the court thought so.  In light of the auspicious gift, all sentences of penal servitude and lower were remitted.  In 680, Officials of the Department of Law gave tribute of auspicious stalks of grain, themselves.  I'm not sure, in this case, that it was all that they hoped, however, as that began three days straight of rain and flooding. A year earlier, in 679, we are told that the district of Ito, in Kii, immediately south of Yamato, sent as tribute the "herb of long life".  We are told that it "resembled" a mushroom—probably meaning it was a mushroom, or maybe something formed into a mushroom shape.  But the stem was about a foot long and the crown was two spans, about 6 feet in diameter.  This is pretty incredible, and I have to wonder if there is a bit of exaggeration going on here. Another tribute was a horn found on Mt. Katsuraki.  It branched into two at the base, was united at the end, and had some flesh and hair still attached, about an inch in length.  They claimed it must be horn or a Lin, or Kirin, sometimes referred to as an Asian unicorn—a mythical creature considered to be quite auspicious and benevolent.  This was on the 26th day in the 2nd lunar month of the year 680, probably around March or April.  I highly suspect that what they found was an oddly shaped bit of antler from  a buck whose antlers had begun to come in and which might have been taken out by wolves or bears or something else altogether.  The fact that the ends were said to be fused together could just be referring to some kind of malformation of the antlers.  The fur and flesh could mean that the antlers were still growing—antlers would probably just be coming in around early spring time.  Still, there is no telling how long it was there, so it could have been from the previous year as well.  Attributing it to a kirin seems a bit of a stretch, but it was clearly something unusual. Animals and plants were recorded in tribute, but also when something odd happened.  Fruiting out of season was one such occurrence, which we've seen elsewhere in the chronicles as well.  There was even a record when the famous Tsuki tree outside of Asukadera had a branch fall down.  Presumably it was a large and noticeable branch, and by now this appears to have been a tree with a bit of age to it that had seen a lot, so it makes sense it got a mention. Finally, we go from the heavens to the earth.    Perhaps the most numerous observations in the Chronicles were the earthquakes.  We've noted in the past that Japan is extremely active, volcanically speaking, so it makes sense that there are multiple accounts of earthquakes each year, especially if they were compiling reports from around the country.  Most of these are little more than just a note that there was an earthquake, but a few stand out. The first is the 12th lunar month of 678.  We are told that there was a large earthquake in Tsukushi—modern Kyushu. The ground split open to the width of about 20 feet for more than 30,000 feet.  Many of the commoners' houses in the area were torn down.  In one place there was a house atop a hill, and though the hill crumbled down the house somehow remained intact.  The inhabitants had apparently been home and must have been oblivious, as they didn't realize anything had happened until they woke up the next morning. Again, probably a bit of hyperbole in here, but if we think back to things like the 2016 Kumamoto earthquake, where large areas of land shifted noticeably along the fault lines, it is likely that this was a similar or even more catastrophic event.  And here I'll give a quick plug for Kumamoto, which is still working to rebuild from the earthquake, and if you ever get a chance, I recommend a visit to the Kumamoto Earthquake Memorial Museum or Kioku, where you can see for yourself just how powerful mother nature can be. Another powerful earthquake was mentioned in the 10th lunar month of 684.  If the earthquake in Tsukushi had hit mostly agricultural areas, based on the description, this seems to have hit more populated regions.  We are told that it started in the dark of night, the hour of the boar, so about 10pm, give or take an hour.  The shaking was so bad that throughout the country men and women cried out and were disoriented—they could not tell east from west, a condition no doubt further hindered by the dark night sky.  There were mountain slides and rivers changed course, breaking their banks and flooding nearby areas.  Official buildings of the provinces and districts, the barns and houses of the common people, and the temples, pagodas, and shrines were all destroyed in huge numbers.  Many people and domestic animals were killed or injured.  The hot springs of Iyo were dried up and ceased to flow.  In the province of Tosa, more than 500,000 shiro of cultivated land sank below sea level.  Old men said that they had never seen such an earthquake.  On that night there was a rumbling noise like that of drums heard in the east—possibly similar to what we had mentioned earlier.  Some say that the island of Idzu, aka Vries Island, the volcanic island at the entrance of Edo Bay, increased on the north side by more than 3,000 feet and that a new island had been formed.  The noise of the drums was attributed to the gods creating that island. So here we have a catastrophic quake that impacted from Iyo, on the western end of Shikoku, all the way to the head of Edo Bay, modern Tokyo.  This appears to be what seismologists have labelled a "Nankai Trough Megathrust Earthquake".  Similar quakes have occurred and are predicted to occur in the future., along a region of Japan from the east coast of Kyushu, through the Seto Inland Sea, including Shikoku, through the Kii peninsula and all the way to Mt. Fuji.  The Nankai Trough, or Southern Sea Trough, is the area where the continental shelf drops down, and where the Philippine tectonic plate slips underneath the Eurasian—or more specifically the Amuric—plate.  As these plates move it can cause multiple events all along the trough at the same time.  Since being regularly recorded, these quakes have been noted every 100 to 150 years, with the last one being the Showa Nankai quakes of 1944 and 1946. For all of the destruction that it brought, however, apparently it didn't stop the court.  Two days after this devastating quake we are told that Presents were made to the Princes and Ministers.  Either they weren't so affected in the capital, or perhaps the date given for one of the two records is not quite reliable.  Personally, I find it hard to believe that there would be presents given out two days later unless they were some form of financial aid.  But what do I know?  It is possible that the court itself was not as affected as other areas, and they may not have fully even grasped the epic scale of the destruction that would later be described in the Chronicles, given the length of time it took to communicate messages across the country. Which brings us back to the "science" of the time, or at least the observation, hoping to learn from precedence or piece out what messages the world might have for the sovereign and those who could read the signs.  While many of the court's and Chronicler's conclusions may give us pause, today, we should nonetheless be thankful that they at least decided to keep notes and jot down their observations.  That record keeping means that we don't have to only rely on modern records to see patterns that could take centuries to reveal themselves.  Sure, at this time, those records were  still a bit spotty, but it was the start of something that would be remarkably important, and even though these Chronicles may have been focused on propaganda, the fact that they include so many other references are an incalculable boon to us, today, if we can just see to make the connections.  And with that, I think I've rambled enough for this episode.  We still have a couple more to fully cover this period. Until then, if you like what we are doing, please tell your friends and feel free to rate us wherever you listen to podcasts.  If you feel the need to do more, and want to help us keep this going, we have information about how you can donate on Patreon or through our KoFi site, ko-fi.com/sengokudaimyo, or find the links over at our main website,  SengokuDaimyo.com/Podcast, where we will have some more discussion on topics from this episode. Also, feel free to reach out to our Sengoku Daimyo Facebook page.  You can also email us at the.sengoku.daimyo@gmail.com.  Thank you, also, to Ellen for their work editing the podcast. And that's all for now.  Thank you again, and I'll see you next episode on Sengoku Daimyo's Chronicles of Japan.  

Speculation grows that Sarah Ferguson may be preparing a high-profile interview as the Andrew scandal intensifies. Reports suggest the pair are no longer welcome at London's exclusive Annabel's club, Andrew's Freedom of the City could face review, and commentators warn both are struggling under the pressure. New claims emerge about Princess Anne's furious reaction during the toe-sucking scandal of the nineteen-nineties, while King Charles is said to be quietly considering occasional royal duties for Princess Beatrice and Princess Eugenie — even as Beatrice's recent Saudi Arabia appearance sparks concern inside the Palace.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

durée : 00:19:23 - Lectures du soir - "Nous, les pensionnaires d'à côté, nous vivions malgré tout en relations continuelles avec les clients du Palace. Or, la veille, cet hôtel avait eu à enregistrer un parfait scandale."

Découvrez ma formation aux fondamentaux de l'accueil, un parcours d'excellence, accessible à toutes & tous !1️⃣ Présentation de l'invité : Diplômé depuis 2017, Thomas Hostache a fondé, son associé Bertrand Chaput, le studio Hoch. Implantée entre Paris et Aix-en-Provence, cette agence d'architecture s'occupe de projets hôteliers d'envergure, orientés vers le développement durable. Avec une troisième branche dédiée à l'architecture d'intérieur, Thomas et son équipe sont capables de mener des projets de A à Z, se spécialisant notamment dans la rénovation plutôt que dans la construction neuve, une démarche qui s'est transformée en conviction pour préserver l'environnement et valoriser le patrimoine. Nous plongeons avec lui dans l'univers de l'architecture hôtelière et restauration, où Thomas explique les défis spécifiques de ces projets, de la conception à la réalisation. Il aborde l'importance de la réversibilité des bâtiments, la réutilisation de matériaux et la création d'espaces qui servent aussi bien les clients que le personnel. L'approche de Thomas est une véritable leçon sur l'importance de l'architecture dans l'expérience hôtelière, montrant que la beauté d'un lieu est indissociable de sa fonctionnalité et de son impact environnemental. 2️⃣ Notes et références : Le studio archi Hoch Edgar Suites Le Grand Mazarin Canal Architecture Épisode 56 - Créer Okko Hotels, avec Solenne Ojea-Devys Épisode 69 - Projets FF&E et OS&E, avec Sébastien Romiszvili Épisode 42 - Transformer une grange en lieu d'accueil, avec Edouard Daehn, fondateur du Barn Hotel Le livre Le Style Anthropocène de Philippe Rahm 3️⃣ Pour contacter l'invité : par mail : thomas@hoch-studio.com ou via l'Instagram de @Hoch surtout pas sur linkedin ! 4️⃣ Le partenaire de l'épisode : Influence Society Influence Society Prendre un rendez-vous avec le fondateur Sébastien Felix En venant de la part d'Hospitality Insiders, vous bénéficiez de 45 minutes en tête-à-tête avec Sébastien Felix pour repenser votre stratégie digitale et parler d'Intelligence Artificielle. Chapitrage : 00:00:00 - Introduction 00:04:42 - Thomas Hostache 00:07:57 - Spécialisation en rénovation 00:10:00 - Les projets hôteliers 00:21:36 - Mise en œuvre d'un projet 00:27:59 - Rénovation vs. construction neuve 00:33:45 - Bilan carbone 00:39:00 - Les besoins des collaborateurs 00:42:25 - L'idée de bâtiments réversibles 00:47:45 - Questions signatures Si cet épisode vous a passionné, rejoignez-moi sur :L'Hebdo d'Hospitality Insiders, pour ne rien raterL'Académie Hospitality Insiders, pour vous former aux fondamentaux de l'accueilLe E-Carnet "Devenir un Artisan Hôtelier" pour celles et ceux qui souhaitent faire de l'accueil un véritable artLinkedin, pour poursuivre la discussionInstagram, pour découvrir les coulissesLa bibliothèque des invités du podcastMerci de votre fidélité et à bientôt !Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

We're thankful this week for a full Thanksgiving slate of Europa and Conference League action that delivered some of the best games and storylines of the league phase thus far. In Europa, Ludogorets shocked Celta Vigo with a 3-2 in Bulgaria. How'd they pull one of the biggest surprises of the tournament thus far? We then break down the struggle of Feyenoord, Utrecht, and Go Ahead Eagles, who all lost amidst grueling schedules. What's going wrong for the Dutch sides? Can any of them rebound and qualify for knockouts? Are Robin van Persie and his son up to the challenge? We also touch on Roma's win over Midtjylland, Bologna's impressive run of form, and naturally, the carcass of OG Nice, who now sit rock bottom of the table. There we upsets galore in Conference League, with each of the top 4 league sides falling. Strasbourg got a signature win in their triumph over the visiting Crystal Palace, and we hone in on what made the fixture such an exciting watch and why the clubs have established themselves as clear favorites. Then, we examine Rayo Vallecano's penchant for making life hard on themselves, Mainz's mediocre play catching up with them, and the dismal existence that is Fiorentina. And, naturally, we give Hamrun Spartans some love for becoming the first Maltese club to win a UEFA group-stage match. All that, some table takeaways, more VAR vitriol, and of course, David's Coefficient Corner. Cheers to our old friend Vincenzo Italiano!

Daft Punk Reds! United show 'bouncebackability', from a goal down and mood down after the Everton defeat, and a dreadful first half at Palace, to lift the mood and win with guts. Oh what fun it is to see United win away! The independent, satirical Manchester United supporters' fanzine - for adults only, contains expletives, talks MUFC, or not at times, as the sellers are in the car before and after the long drive down. And you can now support the growth and development of this small but rather unique fanzine podcast each month at https://www.patreon.com/rednews Thank you.

Ben and Matt look back at the two 1-2 defeats for Palace.

Arsenal hade chansen att koppla rejält grepp om ligatiteln på Stamford Bridge efter Caicedos utvisning, men hemmalaget stod upp bra och det blev delad poäng i seriefinalen. Alexander Isak bröt sin måltorka och blev matchhjälte för sitt krisande Liverpool borta mot West Ham. Phil Foden gjorde dubbel mot Leeds, Manchester United vände och vann mot Palace och Thomas Frank hänger löst i ett grinigt Spurs. Med: Makoto Asahara, Patrik Syk och Frida Fagerlund

Palace looked leggy from the start, and it showed. The intensity wasn't there, the press was a step slow, and United took full advantage. Even then, we stayed in the game and made them work for it, but fatigue told in the key moments. A frustrating one, because it felt more about tired bodies than any real gulf in quality.Support this show http://supporter.acast.com/holmesdaleradio. Hosted on Acast. See acast.com/privacy for more information.

Speaker: Pastor Dudley Rutherford

In the middle of the long story of the Temple building project in Jerusalem, another building project interrupts — that of Solomon's own palace district. Why is this here? As we compare the construction of the Lord's house with Solomon's house, we find ourselves asking a big question: What does this project say about what Solomon actually believes about God? Read more...

Palace welcome United at Selhurst Park on Sunday (12:00GMT). We're flying in 5th, just two points above 10th-placed United. Amorim's lot have only one win in their last 11 away games, and arrive short handed.Support this show http://supporter.acast.com/holmesdaleradio. Hosted on Acast. See acast.com/privacy for more information.

Welcome back to the LuxeGen Group Chat – your go-to podcast for pop culture deep dives, TikTok theories and everything we're loving right now. This week, Saroop is joined by Lola and India for a bumper episode covering jungle gossip, social media conspiracies and online nostalgia. The trio dive into this year's ‘I'm A Celeb' line-up (yes, we're obsessed with Aitch and AngryGinge), debate the EsDeeKid x Timothée Chalamet theory, and unpack Ariana Grande and Cynthia Erivo's ‘Wicked: For Good' press tour chaos. Plus, they debate the return of Vine (or should we say… diVine?) and why the internet just isn't ready. In fashion, they're loving the adidas x ASOS satin tracksuit, shearling everything, boat shoes and Palace jackets, as well as the newly revived GAP. For beauty and fragrance, it's all about creamy scents and cosy vibes and in food and drink, the girls share the best spots in London – from The Camberwell Arms to Speedboat Bar – and celebrate the launch of Saroop's new wine and coffee bar in Leeds. Plus, a wholesome moment for David Attenborough's ‘Kingdom', a heated roast potato debate and justice for antelopes everywhere…Follow us on:Instagram | https://bit.ly/3X0xm27TikTok | http://bit.ly/3jvwlBEPodcast | https://open.spotify.com/show/60SxAVVuD3LrgLdlKuy3uH Panel:Saroop Sangha | @saroop.k.s | https://www.instagram.com/saroop.k.s/?hl=en Lola Lawlor | @lolalawlor | https://www.instagram.com/lolalawlor/?hl=enIndia Agyeman | @indiaaagy | https://www.instagram.com/indiaagy/?hl=enAD | Rabanne | https://www.rabanne.com/uk/en_GB/fragrance/p/fame--000000000065170087HOT LISTI'm A Celebrity | https://www.itv.com/imacelebrityStranger Things | https://www.netflix.com/gb/title/80057281THINGS WE'RE LOVINGUrban Outfitters Shearling Trucker Hat | https://tinyurl.com/7e79tmwx H&M Boat Shoes | https://tinyurl.com/yc2bd5xn MKI Miyuki Zoku | https://bit.ly/4opWihb Kingdom | https://www.bbc.co.uk/programmes/m002hdglThe Camberwell Arms | https://thecamberwellarms.co.uk/The Waterman's Arms | https://www.watermansarms.co.uk/Speedboat Bar | https://speedboatbar.co.uk/Vinyl Grounds | https://www.instagram.com/vinyl_grounds/ Hosted on Acast. See acast.com/privacy for more information.

Crystal Palace were unlucky to lose 2-1 in Strasbourg, controlling long spells and creating the better chances. Palace pressed intelligently, moved the ball with purpose and looked the Premier League side throughout. A late lapse cost them, but the performance showed quality, resilience and clear superiority despite the scoreline today.Support this show http://supporter.acast.com/holmesdaleradio. Hosted on Acast. See acast.com/privacy for more information.

What ancient secrets lie beneath the streets of Jerusalem? Join Jim Scudder on location in the City of David where the stones of Israel are speaking louder than ever to prove biblical history is real. Join the adventure!

Nouveaux pilotes, un brin déjantés, à bord de la Libre Antenne sur RMC ! Jean-Christophe Drouet et Julien Cazarre prennent le relais. Après les grands matchs, quand la lumière reste allumée pour les vrais passionnés, place à la Libre Antenne : un espace à part, entre passion, humour et dérision, débats enflammés, franc-parler et second degré. Un rendez-vous nocturne à la Cazarre, où l'on parle foot bien sûr, mais aussi mauvaise foi, vannes, imitations et grands moments de radio imprévisibles !

Découvrez ma formation aux fondamentaux de l'accueil, un parcours d'excellence, accessible à toutes & tous !1️⃣ Présentation de l'invité :Et si l'hôtellerie du futur ne se construisait plus sur terre… mais sur l'eau ?Depuis des années, une autre forme d'hospitalité émerge : celle des palaces flottants, où l'art de recevoir rencontre l'art de naviguer.Derrière ces expériences d'exception, il y a des hommes et des femmes capables d'appliquer les codes du luxe dans les conditions les plus exigeantes : le mouvement, les éléments, la mer tout simplement.Parmi eux, Florent Kuhry, Vice-Président Yacht Hospitality pour Orient Express Sailing Yachts, le futur voilier hybride le plus grand du monde.Passé par l'école hôtelière à Strasbourg, voilà des années que Florent a pris la mer.Aujourd'hui, il abandonne son mat pour prendre la parole à mon antenne.Accrochez-vous pour découvrir l'histoire de la marque mythique, de 1883 aux palaces flottants d'aujourd'hui, et plongez dans les coulisses de l'Orient Express Corinthian :Un luxe sans compromis : Avec seulement 54 suites (75 m² en moyenne), une gastronomie signée Yannick Alléno (17 étoiles) et l'expertise en boisson de MOF comme Xavier Tuiza, découvrez comment ces "marins hôteliers" appliquent les codes du Palace en pleine mer.Innovation et écologie : Comprenez pourquoi le Corinthian, le plus gros objet flottant capable d'avancer par la force du vent, vise à émettre le moins de CO2 possible grâce au slow travel et à la propulsion vélique.L'expérience unique : Plus qu'une croisière, c'est un mode de voyage où l'on se déplace sans défaire ses valises, offrant une proximité rare avec l'équipage, comparable à un resort isolé.Florent nous invite à franchir le cap et à naviguer vers une expérience hors du commun, à bord du luxe du futur !2️⃣ Notes et références :▶️ Toutes les notes et références de l'épisode sont à retrouver ici.3️⃣ Le sponsor de l'épisode : HotelPartnerHotelPartner Revenue ManagementPrendre un rendez-vous avec MarjolaineDites que vous venez d'Hospitality Insiders et Marjolaine se déplace gratuitement dans votre établissement pour effectuer un diagnostic !4️⃣ Chapitrage : 00:00:00 - Introduction00:02:00 - Le marché de l'hôtellerie flottante et l'émergence d'une tendance00:12:00 - La genèse de l'Orient-Express et sa transition de rail à mer00:25:00 - L'Orient Express Corinthian : un palace flottant aux dimensions colossales00:44:00 - Les enjeux de la navigation et de l'écologie maritime00:52:00 - Le parcours de Florent Kuhry et la philosophie du marin hôtelier01:09:00 - Questions signaturesSi cet épisode vous a passionné, rejoignez-moi sur :L'Hebdo d'Hospitality Insiders, pour ne rien raterL'Académie Hospitality Insiders, pour vous former aux fondamentaux de l'accueilLe E-Carnet "Devenir un Artisan Hôtelier" pour celles et ceux qui souhaitent faire de l'accueil un véritable artLinkedin, pour poursuivre la discussionInstagram, pour découvrir les coulissesLa bibliothèque des invités du podcastMerci de votre fidélité et à bientôt !Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Chaque jour, écoutez le Best-of de l'Afterfoot, sur RMC la radio du Sport !

Bookwaves/Artwaves is produced and hosted by Richard Wolinsky. Links to assorted local theater & book venues   Malcolm Margolin (1940-2025): Legendary Berkeley Publisher Malcolm Margolin (1940-2025), the long-time publisher of Heyday Books in Berkeley, who died on August 20, 2025 at the age of 84, in conversation with Richard Wolinsky in the KPFA Studios on November 21, 2014. Malcolm Margolin founded Heyday Books, the renownedy non-profit publishing house located in Berkeley, in 1974 and stayed until he retired in 2015. He was the author and editor of several books, most notably The Ohlone Way: Indian Life in the San Francisco – Monterey Bay Area, along with magazines and other periodicals. This interview was recorded November 21, 2014 upon the publication of his memoir/history, The Heyday of Malcolm Margolin: The Damned Good Times of a Fiercely Independent Publisher.  Malcolm Margolin retired in 2015 but continued to work until his death. His final book, Deep Hanging Out: Wanderings and Wonderment in Native California. was published by Heyday in 2021.   Azar Nafisi: Best-selling Author of “Reading Lolita in Tehran” Azar Nafisi,author of the best-selling memoir, “Reading Lolita in Tehran,”  in conversation with host Richard Wolinsky, recorded in the KPFA studios on January 12, 2009 while on tour for the memoir, “Things I've Been Silent About.” Azar Nafisi burst on the literary scene in 2003 with her memoir, Reading Lolita in Tehran in 2003, which remained on the New York Times best seller list for 117 weeks. Born in Tehran, Iran, she came to the United States in 1997 and became an American citizen in 2008. A professor of literature, she'd previously written a critical study of the works of Vladimir Nabokov. There would be a second interview with Azar Nafisi  in 2015 for her book about the importance of literature, The Republic of the Imagination. Azar Nafisi Wikipedia page     Book Interview/Events and Theatre Links Note: Shows may unexpectedly close early or be postponed due to actors' positive COVID tests. Check the venue for closures, ticket refunds, and mask requirements before arrival. Dates are in-theater performances unless otherwise noted. Some venues operate Tuesday – Sunday; others for shorter periods each week. All times Pacific Time. Closing dates are sometimes extended. Book Stores Bay Area Book Festival  See website for highlights from the 110th Annual Bay Area Book Festival, May 31 – June 1, 2025. Book Passage.  Monthly Calendar. Mix of on-line and in-store events. Books Inc.  Mix of on-line and in-store events. The Booksmith.  Monthly Event Calendar. BookShop West Portal. Monthly Event Calendar. Center for Literary Arts, San Jose. See website for Book Club guests in upcoming months. Green Apple Books. Events calendar. Kepler's Books  On-line Refresh the Page program listings. Live Theater Companies Actors Ensemble of Berkeley.  See website for readings and events. Actor's Reading Collective (ARC).  Mary Jane by Amy Herzog, directed by Amy Kossow, November 6 – 30, Magic Theatre, Fort Mason. African American Art & Culture Complex. See website for calendar. American Conservatory Theatre Judy Garland, We Need A Little Christmas with Debbie Wileman, Strand, Dec. 6-7. Rudolph & Scrooge, A YC Double Feature, December 18-20, Strand. A Streetcar Named Desire by Tennessee Williams, Jan. 21 – Feb. 1, 2026, Toni Rembe (Geary). Paranormal Activity, Feb. 19 – March 15, Toni Rembe. Awesome Theatre Company. See website for information. Berkeley Playhouse. Annie. November 7- December 21. Once, February 20 – March 22.  Berkeley Rep. The Hills of California .by Jez Butterworth, Oct. 31 – Dec. 7, Roda Theatre. Mother of Exiles by Jessica Huang, World Premiere, Nov. 14 – Dec. 21, Peets Theatre. Berkeley Shakespeare Company See website for upcoming productions. Brava Theatre Center: See calendar for events listings. BroadwaySF: The Golden Girls Live,  December 4-21, Curran. Moulin Rouge! The Musical, December 16-28, Orpheum. See website for complete listings for the Orpheum, Golden Gate and Curran Theaters. Broadway San Jose:  Kinky Boots, Nov. 28-30. See website for other events. Center REP: A Christmas Carol, Dec. 10 – 21.. Central Stage. See website for upcoming productions, 5221 Central Avenue, Richmond Central Works See website for information on the 2026 season. Cinnabar Theatre. Holiday Songbook, Dec. 19-21. My Fair Lady, January 23 – February 8, 2026. Club Fugazi. Dear San Francisco ongoing. Check website for Music Mondays listings. Contra Costa Civic Theatre Ebenezer Scrooge, an adaptation of “A Christmas Carol” by Joel Roster, December 6 –  21. . See website for other events. Golden Thread  See website for upcoming productions. Hillbarn Theatre: Rogers & Hammerstein's Cinderella, December 4 – 28. Lorraine Hansberry Theatre. Soulful Christmas, December 19-21, Magic Theatre. Los Altos Stage Company. A Christmas Carol, November  28 – December 21.. Lower Bottom Playaz  August Wilson's King Hedley II, November 8 -30. BAM House, Oakland. Magic Theatre. Actors Reading Collective: Mary Jane by Amy Herzog, directed by Amy Kossow, November 6 – 30, See website for other events and productions. Marin Shakespeare Company: See website for events and productions. Marin Theatre: The Gift of Nothing  by Patrick McDonnell, Aaron Posner and Erin Weaver, Dec. 13 – 23. .The Cherry Orchard by Anton Chekhov Jan . 29 – Feb. 22, 2026. Mission Cultural Center for Latino Arts Upcoming Events Page. New Conservatory Theatre Center (NCTC)  Ruthless,  Dec. 5 – January 11, 2026. New Performance Traditions.  See website for upcoming schedule Oakland Theater Project. Cabaret, November 21 – December 14. Odd Salon: Upcoming events in San Francisco & New York, and streaming. Palace of Fine Arts Theater.  See website for event listings. Pear Theater. Ada & The Engine  by Lauren Gunderson, November 21 – December 7. See website for staged readings and other events. Playful People Productions. See website for upcoming productions. Presidio Theatre. Peter Pan Panto, Nov. 29 – Dec. 28. See website for complete schedule of events and performances. Ray of Light: Mean Girls. May 2026. Ross Valley Players: See website for New Works Sunday night readings and other events. San Francisco Playhouse. Into the Woods. November 30 – January 17, 2026. SFBATCO.  See website for upcoming streaming and in- theater shows. San Jose Stage Company: See website for events and upcoming season Shotgun Players.  Sunday in the Park with George, November 15 – December 30. South Bay Musical Theatre:  Let It Snow: A Broadway Holiday Celebration, December 20-21, Little Women, The Broadway Musical, January 24 – February 14, 2026. SPARC: See website for upcoming events. Stagebridge: See website for events and productions. Storytime every 4th Saturday. The Breath Project. Streaming archive. The Marsh: Calendar listings for Berkeley, San Francisco and Marshstream. Theatre Lunatico  See website for upcoming productions.. Theatre Rhino  Pirates! by John Fisher, December 4 – 13. Streaming: Essential Services Project, conceived and performed by John Fisher, all weekly performances now available on demand. TheatreWorks Silicon Valley Georgiana & Kitty, Christmas at Pemberley by Lauren Gunderson and Margot Melcon, Dec. 3 – 28, Lucie Stern Theatre, Palo Alto. Word for Word.  See website for upcoming productions. Misc. Listings: BAMPFA: On View calendar for Berkeley Art Museum and Pacific Film Archive. Berkeley Symphony: See website for listings. Chamber Music San Francisco: Calendar, 2025 Season. Dance Mission Theatre. On stage events calendar. Fort Mason Center. Events calendar. Oregon Shakespeare Festival: Calendar listings and upcoming shows. San Francisco Gay Men's Chorus. See schedule for upcoming SFGMC performances. San Francisco Opera. Calendar listings. San Francisco Symphony. Calendar listings. Filmed Live Musicals: Searchable database of all filmed live musicals, podcast, blog. If you'd like to add your bookstore or theater venue to this list, please write Richard@kpfa.org   . The post Bookwaves/Artwaves – November 27, 2025: Malcolm Margolin – Azar Nafisi appeared first on KPFA.

Different manager, same result. Wolves were hoping for a New Manager Bounce - but it fell flat at the first hurdle. A 2-0 home defeat to Crystal Palace this time - the Eagles move up into the Top 4. Villa up next in a West Midlands Derby - thankfully the form book goes out the window! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#939 | Ed and Dharnish pick through United's grim defeat to Everton - a game so flat it barely needs a post-mortem, yet somehow delivered enough misery to fill one. They break down Rúben Amorim's setup, from the malfunctioning wing-backs to a midfield that never got a grip, and a front line that looked like it had forgotten what chance creation even is. The pair analyse United's inability to punish Everton after the red card, a recurring theme under Amorim: lots of possession, fewer ideas. There's a look at the goal conceded, the structural issues behind it, and why United are still so bad at breaking down a low block. The episode also gets into individual performances, tactical stubbornness, squad limitations, and what this defeat means heading into Palace - plus how January might be the club's only lifeline. Chapters 00:00 Introduction 00:27 First Impressions - Not Great 02:50 Lineup Choices & Structural Problems 06:35 Attacking Without Ideas 14:36 The Red Card and What United Failed to Do 22:23 Everton's Goal - Avoidable, of Course 28:07 Amorim's Stubbornness & System Questions 33:40 Crystal Palace Preview 37:13 January Window & What Actually Needs Fixing If you are interested in supporting the show and accessing a weekly exclusive bonus episode, check out our Patreon page or subscribe on Apple Podcasts. Supporter funded episodes are ad-free. NQAT is available on all podcast apps and in video on YouTube. Hit that subscribe button, leave a rating and write a review on Apple or Spotify. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get your Exclusive NordVPN deal by going to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://nordvpn.com/fyp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - it's risk-free with Nord's 30-day money-back guarantee! Jim, Joe and Grace review a 2-0 win at Wolves, play another round of our new feature I'm Not Having That, dish out some more 321 points and discuss everything else Palace in between. facebook: FYPFanzineinstagram: @fypfanzinebluesky: @fiveyearplan.bsky.socialtiktok: @fiveyearplanpodcasttwitter: @fypfanzine⁠⁠⁠⁠⁠⁠⁠⁠⁠email: contact@fypfanzine.uk⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Order of St John was founded in the eleventh century in Jerusalem as a religious and military order dedicated to caring for sick and poor pilgrims in the Holy Land. How they ended up over 1000 miles away on an island in the middle of the Mediterranean, embedded in one of the greatest fortifications of the medieval world, is one of history's greatest maritime stories. In this episode, Dr Sam Willis and maritime historian Liam Gauci from Heritage Malta explore that history. They visit the Grand Master's Palace in Valletta and marvel at its armoury and frescoes depicting naval battles. They tell the story of how the Knights were granted Malta by Charles V in 1530, built a significant fleet and fortifications and then survived the Great Siege of 1565 when the Knights, outnumbered 40,000 to 12,000, successfully defended their island home against the Ottomans. The episode highlights the Knights' naval prowess, their influence on Mediterranean maritime history, and their contributions to Malta's social welfare. Hosted on Acast. See acast.com/privacy for more information.

Arsenal went to work in the North London Derby — and Spurs got cooked. Eze delivered a historic hat-trick at the Emirates, Timber put on a right-back masterclass, Rice ran the entire midfield, and Arteta's men produced one of the most dominant derby performances in years.We break down every detail of the 4–1 demolition: Spurs' fear-ball shape, the space Eze kept finding, Trossard's movement, Zubimendi's role, and why this felt like the moment the league finally had to admit Arsenal are on another level.Then in Part 2, we whip around the grounds for Gameweek 12, including Forest's demolition job at Anfield, Brentford–Brighton chaos, Bournemouth–West Ham drama, City's latest stumble, and Palace's thunderbastard at Molineux.And of course — it's VARse time. From offside confusion to deliberate handballs to Newcastle's creative rule interpretations, Ells breaks down another wild week of PGMOL clownery.We close with a full Bayern preview: injuries, rotation worries, the psychology of revenge games, and how Arteta will approach a heavyweight Champions League clash during Arsenal's best form of the season.A derby rout. A hat-trick hero. A title statement. North London stays red — permanently.Chapters:(00:00) – Arteta's Non-Negotiables Intro(01:15) – North London Derby: Pre-Match, The Angel, The Tifo & Emotional Build-Up(04:45) – Rocky Memories, Rivalry & Respect(07:03) – Arsenal Line-Up: Hincapié Gets The Nod(09:12) – Returning Players: Martinelli, Odegaard & Hope(10:42) – Spurs' Deep Block & Early Arsenal Chances(16:14) – Moreno's Ball, Trossard's Goal: 1–0 Arsenal(20:02) – Arsenal's Second Goal: Timber, Rice & Eze Magic(22:46) – Offside Controversy? Keeper View Debate(25:39) – Halftime Inside The Emirates(26:45) – Goal 3: Eze's Left-Foot Goal(28:12) – 3–1: Richarlison Scores(32:04) – Timber's Big Miss & Game Control After Concession(33:09) – Eze Completes Historic NLD Hat-Trick (4–1)(37:48) – Trossard's November Brilliance & Player of the Month Talk(38:53) – By The Numbers & Dominance Breakdown(41:46) – Are Arsenal “Announcing Themselves” This Season?(46:26) – Part Two: Whip Round the Grounds(54:36) – VARse GW12(01:10:45) – Table Impact: Arsenal Go 6 Clear(01:15:11) – Relegation Picture: Bottom Three Taking Shape(01:16:28) – Who Gets Sacked First: Frank or Slot?(01:23:57) – Bayern Munich Preview: Injuries, Selection & Stakes(01:26:40) – Rotation Debate: Timber, Hincapié, Calafiori Concerns(01:28:55) – Arteta's Mentality vs Squad Protection(01:34:35) – Champions League Swiss System & Big Teams Dominating

AGT, CNN, The ViewLots of Great Stuff Happening for Landau, International Travel, New Music, Family & Fatherhood! Landau Eugene Murphy Jr. first burst onto the national conscience as the Sinatra-and-Soul singing  on NBC TV's “America's Got Talent with his incredible voice, undeniable charisma and unparalleled showmanship.  And a decade later, he's still going strong.Seeing Landau in concert is a revelation; backed by the dynamic Landau Big Band, you'll always hear swinging arrangements of Great American Songbook classics from Frank Sinatra, Dean Martin, Nat ‘King' Cole and many more, along with a dusting of that special Motown Magic that is sure to move your feet and make you sing along.And after the show, every show, you'll always have the opportunity to meet Landau one-on-one for photos and have the chance to talk with him about his incredible rags-to-riches story.  “It's my favorite part of the night; it's something we always do. Sometimes I'm the last one at the venue, talking to fans and friends. The janitor is waiting on me to lock up!”Landau was born into extreme poverty in the Appalachian coalfields of southern West Virginia. His parents split while he was in elementary school, and Landau was shipped off to Detroit in the middle of the night. He woke up in the Motor Cities notoriously gang and drug-riddled “7 Mile” neighborhood. Landau likes to say that he went from Almost Heaven to Little Baghdad overnight!“I loved to play basketball in Detroit, and these guys were good. Some of them went onto the NBA. But we were in the hood; it wasn't anything to see guns drawn on the court after the game, so to keep people cool and laughing, when I'd dunk on someone, I'd sing a Frank Sinatra song like “Fly Me To The Moon” and everyone would laugh and put their guns away.”At the end of his rope, Landau tied a knot and pulled himself back up by auditioning for NBC TV's “America's Got Talent” with thousands of others. After months of competition, Landau emerged the winner, scoring a million dollars, a recording contract, and America's hearts, and he's never looked back.Landau's Columbia Records debut album “That's Life” reached number one on the Billboard Jazz Charts and was followed by “Christmas Made For Two”, “Landau” and his latest “Landau Live In Las Vegas” recorded during a performance at the legendary Caesar's Palace.  Landau has made dozens of TV appearances including “The Today Show”, “The View”, CNN, “Fox and Friends”, “The Talk”, the Macy's Thanksgiving Day Parade, and the Hollywood Christmas Parade.He's helped raise millions of dollars for charities, many in his home state of West Virginia where he serves on the Board of Directors for the Children's Home Society of West Virginia and was named “West Virginian of the Year” by the Governor's office and the state's largest newspaper.I Landau proudly released LANDAU LIVE IN LAS VEGAS a pre-pandemic recording at Caesars Palace that includes several never-before-released tracks. Enjoy Landau's unique take on the Great American Songbook as well as classic R&B, all backed by his long-time stellar musicians in LANDAU'S LITTLE BIG BAND, with guest background vocals by former Temptations and Four Tops lead singer Theo Peoples!© 2025 Building Abundant Success!!2025 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

Oscar Dufrenne était un directeur de salles de spectacles et homme politique français, dont l'assassinat à Paris le 24 septembre 1933, dans le cinéma du Palace, fit la une de la presse.Connu pour sa vie dissolue, devenu l'un des rois de la nuit parisienne et un proche du pouvoir, sa disparition provoque scandale et rumeurs, et ses obsèques attirent la foule. La nature sexuelle du lieu du crime étant vite apparue aux enquêteurs, la presse se délecte du caractère scandaleux de l'affaire, et l'homophobie est omniprésente...Crimes • Histoires Vraies est une production Minuit. Notre collection s'agrandit avec Crimes en Bretagne, Montagne et Provence.

Découvrez ma formation aux fondamentaux de l'accueil, un parcours d'excellence, accessible à toutes & tous !

Ben & Matt analyse the 0-2 win at Molineux, before previewing Palace's Strasbourg trip.Buy Me A Coffee: https://buymeacoffee.com/teamcalledpalace 

Wolves' search for a Premier League win continues with Rob Edwards unable to give his squad the 'new manager bounce'. Dave and Jord discuss the defeat against Crystal Palace with the changes Edwards made and your questions. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Daily Quote We are all like the bright moon, we still have our darker side. (James Baldwin) Poem of the Day 宫词 白居易 Beauty of Words The Widow and Her Son Washington Irving

Life doesn't always make sense in the moment — but God is always at work behind the scenes. In this series, we'll walk through one of the most powerful narratives in Scripture, tracing Joseph's journey from favored son to forgotten prisoner to faithful leader. Along the way, we'll discover that even when life feels unfair or uncertain, God's hand is steady and his purposes are good. What others mean for evil, God can redeem for good — if we'll trust him with the bigger picture.

Attention Neil Diamond fans! The great musical “A Beautiful Noise: the Neil Diamond Musical” returns to Chicago at the Chicago Cadillac Palace Theatre until November 30th. The role of the younger Neil Diamond is played on this national tour by American Idol winner Nick Fradiani. This is Neil Diamond's true story of how a kid […]

KingsWord International Church is called of God to raise a people of the Word and the Spirit, equipped with a revelation of their Supernatural Identity. Connect with us on Instagram: @kingswordikeja Facebook: @kingswordIkeja TikTok: @kingswordIkeja Audio Streaming Mixlr: kingswordikeja.mixlr.com Giving Details: KingsWord Ministries International (KMI) GTBank Naira - 0009617383 USD - 0009617510 GBP - 0009617503 Euros - 0009617527 First Timers Form & Number bit.ly/eserviceguest 0810-000-0650

Note: "Act 1" was a separate published audio podcast.*Check out EZ's morning radio show "The InZane Asylum Q100 Michigan with Eric Zane" Click here*Get a FREE 7 day trial to Patreon to "try it out."*Watch the show live, daily at 8AM EST on Twitch! Please click here to follow the page.Email the show on the Shoreliners Striping inbox: eric@ericzaneshow.comTopics:*EZ chat on fire doling out insults at randos.*EZ's long winded driving adventures.*Devils Tower Prairie Dog Village*The stupidest sport in the history of the world. EZ gives you, "Runnation"*Two massive wipeouts during Miss USA. Wipeout 1 Wipeout 1 Medical Attention Wipeout 2*Some dude's question of the day.*Scott Van Pelt has had it with scam phone calls*Malice at the Palace anniversary. Let's celebrate!Asshole of the DaySponsors:Merchant Automotive, SkyDive Grand Haven, Impact Powersports, Kuiper Tree Care, Frank Fuss / My Policy Shop Insurance, Kings Room Barbershop, Shoreliners,  Ervines Auto Repair Grand Rapids Hybrid & EV, TC PaintballInterested in advertising? Email eric@ericzaneshow.com and let me design a marketing plan for you.Contact: Shoreliners Striping inbox eric@ericzaneshow.comDiscord LinkEZSP TikTokSubscribe to my YouTube channelHire me on Cameo!Tshirts available herePlease subscribe, rate & write a review on Apple Podcastspatreon.com/ericzaneInstagram: ericzaneshowTwitterOur Sponsors:* Check out Secret Nature and use my code ZANE for a great deal: https://secretnature.com* Check out Uncommon Goods: https://uncommongoods.com/zaneSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this podcast I go through my final thoughts to help you lock your FPL Team Selections ahead of Gameweek 12. ━━━━━━━━━━━━━

Subscribe to PalaceOfPistons.com. Mike Anguilano and Aaron Johnson break down the Detroit Pistons' incredible 11-game win streak, highlighted by the long-awaited return of Jaden Ivey and how his presence reshapes Detroit's guard rotation. The guys also dive into Jalen Duren's dominant stretch, what it means for his upcoming contract extension, and the key factors fueling Detroit's surge. All that and more on this week's Palace of Pistons Podcast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's time to race over to Las Vegas for the F1 race AND to LEGO.com for all your Insider Weekend and Black Friday deals! New sets, awards, and much more on this week's Bricking LEGO News!FOLLOW my YouTube channel: Back 2 BrickSet Review:75689 Emerald City & Kiamo Ko CastleRebrickable Review: Emerald City Wizard's Palace by Jm_rkuhtectLEGO F4 insiders WeekendTechnic Ford GT40Paris ArchitectureJapanese cherry blossom landscapeAutumn cottageGames nominations!Thank you, Patrons! - Bellefonte Bricks Studio, Jimmy Tucker, David, Paul Snellen, Lee Jackson, Pop's Block Shop, Richael Rice, Steve Miles, David Support the showSee some of the designs I've built - REBRICKABLE.COMHead over to Back2brick.com for links to the latest LEGO set discounts!Support the podcast through our affiliate links AND join the Back 2 Brick Patreon!Have a question? Want to be a guest? Send me a message!backtobrick@gmail.comBack 2 Brick Podcast is not an affiliate nor endorsed by the LEGO Group.LEGO, the LEGO logo, the Minifigure, and the Brick and Knob configurations are trademarks of the LEGO Group of Companies. ©2025 The LEGO Group.

“What's the biggest NBA off-the-court moment of the last 25 years?”That question launches an epic episode of The Ben and Skin Show, where Ben Rogers, Jeff “Skin” Wade, Kevin “KT” Turner, and Krystina Ray dive headfirst into sports chaos, pop culture absurdity, and laugh-out-loud tangents you won't believe:The Athletic's Top 25 NBA Off-Court Moments: From Malice at the Palace to The Decision, the crew debates the wildest scandals, tragedies, and jaw-dropping stories—including Gilbert Arenas bringing guns to the locker room and Rudy Gobert shutting down the NBA with a mic touch.The Kobe Bryant Tragedy: A heartfelt reflection on the day the sports world stopped.The Funniest NBA Twitter Era Ever: Remember the DeAndre Jordan hostage saga? Blake Griffin's chair emoji? Chandler Parsons tweeting a plane? Pure gold.Unfiltered Hot Takes:“Big Dick Hunter comes in to save the day at the Bunny Ranch.”“Would eighth-grade me dominate the WNBA? Absolutely.”“Can we please stop talking about all the chicks you've banged on your podcast?”Bonus Chaos: From luxury stoves and Sub-Zero fridges to conspiracy theories about refs hating Allen Iverson, this episode is a rollercoaster of sports, culture, and comedy.

This weekend, Crystal Palace travel to Wolverhampton Wanderers hoping to fly home with all three points. The Eagles' defence has been resolute, and with momentum building they'll look to impose themselves early. Expect a dog-fight, but Palace's resilience could turn the tide in their favour.Support this show http://supporter.acast.com/holmesdaleradio. Hosted on Acast. See acast.com/privacy for more information.

Britney Spears is spending time with Kim and Khloe Kardashian - and a lot of fans think that's a bad thing! Prince Harry is again rebuked by the Palace! Megyn Kelly defends Epsten - plus Bubbagate! Rumors are swirling about Gwen Stefani and Blake Shelton! And much moreSee omnystudio.com/listener for privacy information.