Podcasts about PLEX

A new peer-reviewed study of nationwide German data finds suspected adverse-event reports for COVID-19 vaccines were sharply elevated in the earliest weeks of rollout, then fell suddenly. The authors call it a possible batch-dependent safety signal. Danish physician Dr. Vibeke Manniche, the study's lead author and the only Danish doctor to speak out publicly against lockdowns from the start, joins to break down the findings. Published in the International Journal of Risk & Safety in Medicine, the analysis covers the first three and a half years of Germany's vaccination campaign. For one product, early-rollout reporting rates were roughly 80 times higher than the rates seen just weeks later. Dr. Manniche also makes the case for why the US could learn from Denmark's childhood vaccine schedule. Filmmaker Michael Pack, president of Palladium Pictures, discusses their new WSJ Opinion documentary “The Lockdown Dissidents.” Director Rand Courtney speaks on “La Lucha: Getting Schooled in America,” which follows five teens through poverty, trauma, and a broken school system. Dr. Drew is featured in the film. Dr. Vibeke Manniche, MD, PhD, is a Danish physician and author of 35 books on children, family, sleep, and medicine. With 34 years of medical practice, she has worked in epidemiology across rare diseases and public health. She was the only Danish doctor to speak publicly against COVID lockdowns from the outset. Follow at https://x.com/mannichevibeke Michael Pack is the President and CEO of Palladium Pictures LLC, an independent film company he launched in 2023 with his wife, Executive Producer Gina Cappo Pack. Palladium focuses on high-quality documentaries across long-form features, short-form series, and a film incubator program. He is producer and director of The Lockdown Dissidents, part of WSJ Opinion Docs. Follow at https://x.com/MichaelPack_ Rand Courtney is the director of La Lucha: Getting Schooled in America, an award-winning film streaming free on Plex, Xumo, Documentary+, Tubi, Fawsome, and Fandango at Home. The film follows five at-risk teens navigating poverty, crime, and a broken education system in Pacoima, Los Angeles. Learn more at https://creativedeviants.com 「 SUPPORT OUR SPONSORS 」 • FATTY15 – The future of essential fatty acids is here! Strengthen your cells against age-related breakdown with Fatty15. Get 15% off a 90-day Starter Kit Subscription at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/fatty15⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • PALEOVALLEY - "Paleovalley has a wide variety of extraordinary products that are both healthful and delicious,” says Dr. Drew. "I am a huge fan of this brand and know you'll love it too!” Get 15% off your first order at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/paleovalley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • THE WELLNESS COMPANY - Counteract harmful spike proteins with TWC's Signature Series Spike Support Formula containing nattokinase and selenium. Learn more about TWC's supplements at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twc.health/drew⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 「 ABOUT THE SHOW 」 This show is for entertainment and/or informational purposes only, and is not a substitute for medical advice, diagnosis, or treatment. Executive Producers • Kaleb Nation - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://kalebnation.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • Susan Pinsky - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/firstladyoflove⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Content Producer • Emily Barsh - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/emilytvproducer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Terzo episodio del MATEdì. Si parla di numeri grandi, così grandi da farci chiedere: quanto può essere grande un numero?Per chi volesse info sul libro “L'atomo sfuggente” questo è il link al sito della casa editrice: https://www.mondadori.it/libri/latomo-sfuggente-alan-zamboni/Il romanzo è disponibile in tutte le librerie e gli store onlinePer sostenerci: https://associazioneatelier.it/Per sostenere il progetto dedicato alla scienza a Parigi:https://associazioneatelier.it/in10cities/Per contatti: associazioneatelier@gmail.comPer donare ad Atelier APS (iscritta al RUNTS - terzo settore) il 5 per mille: CF = 98181440177Sound design: Matteo D'Alessandro (https://www.matteodalessandro.com)

¡Buenos días, Javi y Mar! en CADENA 100 informa de la previsión AEMET: calor y tormentas, hidratación clave. Renfe recupera indemnizaciones por retrasos: 50% (15-30 min) y 100% (+30 min). Trump llega tarde al G7 y firma tratado de paz con Irán en Versalles. Estudio revela disminución de llamadas spam, sugiriendo no descolgar. Fernando Martín aborda vacaciones escolares: desafío parental y rápido aburrimiento infantil. Cantar en coche, terapia antiestrés eficaz. Banco de España cifra en 750.000 el déficit de viviendas. Investigadores catalanes reducen 90% el cáncer de vejiga con nano-robots. Jimena relata susto con murciélago; Pablo Gallenar, encuentro con león en safari. Sebastián Yatra canta canción de Aitana dedicada a Plex, cerrando círculo amoroso. Karol G recibe premio Artista de Excelencia en American Music Awards, primera latina en 17 años. Silvia gana 50 euros en "Al pie de la letra".

This week Brian with a B, Amferny and guest berater Kane watch the spianachtastic 2025 horror movie, Popeye the Slayer Man. Popeye the Slayer Man is the story of the a group of 20 somethings filming an investigation of a spinach factory known for mysterious deaths and the presence of a large over muscled man who might live there. This movie is directed by Robert Michael Ryan and stars Mabel Thomas, Scott Swope, Steven McCormack, Angela Relucio and Jason Robert Stephens. This movie is available on Tubi, PLEX, Prime Video, Fandango at Home and Apple TV. Instagram links: Follow Robert Michael Ryan @robert_michael_ryan Follow Mabel Thomas @mabe_thebabe Follow Scott Swope @ksswope521 Follow Angela Relucio @angelarelucio Follow Jason Robert Stephens @popeyeactor

In this conversation Brian with a B talks to Owen Llewelyn (Alden Pick himself) about the tooth pulling horror movie, The R.I.P. Man. The R.I.P. Man is available on PLEX, YouTube, Google Play, Fandango at Home, Apple TV and Prime Video.  Instagram Links: Follow Owen Llewelyn @owenllewelyn Follow The R.I.P. Man @the_r.i.p_man

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/6-14-2026-docMembers ShowFourthwallPatreon

This week on Mac Geek Gab, you’re stacking up power moves from the jump. You’ll learn how to clean up messy lists in your favorite text editor, discover that any USB-C port on your MacBook can charge it, and find out why you should be charging your power bank from random ports instead of your iPhone or Mac. iPhones can now serve as Tailscale exit nodes — and that leads down a tangent where the guys dig deep into subnet routing so you understand exactly what that unlocks. You’ll also pick up how to save PDFs on iPhone when all you see is a print icon, how to use Apple Intelligence in Pages to reformat text as recipes, and how to clean up MacWhisper transcripts before anyone sees the raw chaos. Don’t Get Caught running Plex in Low Power Mode, either — there’s a fix for that. Dave also stumbled into a wild Fable moment when the AI found onto an unpublished API and decided to throttle itself back to Opus. Then the crew pivots to WWDC 2026 reactions, and there’s a lot to unpack. One big theme is refinement and stability: the new Liquid Glass slider is a visual treat, and Dave’s already running the beta without disaster. Apple Intelligence is getting a serious upgrade, with Siri becoming more contextually aware of what’s on your device, though the guys push back on where it still falls short compared to tools like Claude Cowork. Parental controls got a surprisingly large share of the spotlight for a developer conference, signaling Apple wants to own the conversation around kids and screen time — this leads to the interesting question of whether spouses can choose to hold each other accountable. Apple Vision Pro gets a Siri Orb and custom panoramas, and iOS 27 dev beta now includes a Recovery mode. Adam’s live from Nerdtacular 2026, and if you’re heading to Macstock, the discount code MACGEEKGAB saves you fifty bucks! 00:00:00 Mac Geek Gab 1146 for Monday, June 15th, 2026 00:03:35 June 15th: Take Your Cat to Work Day Pete lost his cat and she found her way home! MGG Monthly Giveaway – Win a license to SaneBox Quick Tips 00:00:01 Heidi-QT-Clean up messy lists with your favorite text editor 00:07:13 Dan DXZDB-QT-You can use your MacBook’s USB-C Ports to Charge it, too! AlDente 00:09:23 Chris-QT-1143-Charge your Power bank from random charging ports, not your iPhone or Mac 00:12:34 Dave (accidentally) ran into a Fable overstep! It had to throttle down to Opus after it found a company's unpublished API 00:15:03 Adam is at Nerdtacular 2026 Use the Mac Geek Gab app for the calendar Macstock MGG Discount Coupon: MACGEEKGAB 00:18:43 Phil-QT-Saving Documents as PDFs on iPhone When You Only See a Print Icon 00:20:42 Donald-QT-1145-iPhones can be used as Tailscale exit nodes 00:26:56 Tailscale Subnet Routing 00:29:19 Dom Bettinelli-QT-Clean Up your MacWhisper transcripts 00:30:44 Clif-QT-Use Apple Intelligence in Pages to Reformat as Recipes 00:31:50 QT-Low Power Mode vs. Plex on macOS Sponsors 00:36:38 SPONSOR: Decagon. Ready to transform your customer support? Decagon helps companies create personalized, concierge-style customer experiences with AI agents across chat, email, voice, and SMS. Go to https://decagon.ai/MGG to get a personalized demo and see what Decagon can do for your team. 00:38:16 SPONSOR: Shopify. In 2026, stop waiting and start selling with Shopify. Sign up for your one-dollar-per-month trial and start selling today at https://Shopify.com/MGG 00:39:57 SPONSOR: CleanMyMac. Get Tidy Today! Try 7 days free and use our code MACGEEK for 20% off at https://clnmy.com/MACGEEK WWDC Reactions 00:41:32 Operating Systems are focused on refinement Liquid Glass slider Dave's running the beta…successfully! 00:48:29 Apple Intelligence and Siri AI and Gemini and all of that “Profoundly more capable Assistant” Siri is aware of what's on my screen? 01:05:10 Where's the Siri equivalent of Claude Cowork? AI is Assistive Intelligence 01:13:11 WWDC Features Apple Vision Pro Siri Orb and Custom Panoramas 01:13:32 Parental Controls got a LOT of time…for a developer conference Apple wants to be a market leader here in solving this social problem Dave's question: Can my wife and I set up one another as accountability partners for screen time? 01:18:53 Richard-CSF-iOS27 Dev Beta has Recovery mode 01:21:00 MGG 1146 Outtro MGG Monthly Giveaway Bandwidth Provided by CacheFly Pilot Pete's Aviation Podcast: So There I Was (for Aviation Enthusiasts) The Debut Film Podcast – Adam's new podcast! Dave's Business Brain (for Entrepreneurs) and Gig Gab (for Working Musicians) Podcasts MGG Merch is Available! Mac Geek Gab iOS app Mac Geek Gab YouTube Page Mac Geek Gab Live Calendar This Week's MGG Premium Contributors MGG Apple Podcasts Reviews feedback@macgeekgab.com 224-888-GEEK Active MGG Sponsors and Coupon Codes List BackBeat Media Podcast Network

This week Brian with a B and Amferny watch the 2024 Argentinian horror movie, 1978. 1978 is the story of a group of government torturers who kidnap the wrong group during the World Cup final between Argentina and Holland and hell ensues. This movie is directed by Luciano and Nicolas Onetti and stars Agustin Olcese, Mario Alarcon, Carlos Portaluppi, Santiago Rios, Jorge Lorenzo and Agustin Pardella. This movie is available on Tubi, PLEX, YouTube, Google Play, Fandango at Home, Prime Video and Apple TV. Instagram Links: Follow Luciano Onetti @onaiculitteno Follow Agustin Olcese @a.olce Follow Mario Alarcon @marioalarconactor Follow Carlos Portaluppi @carportaluppi Follow Santiago Rios @santiagorios.actuacion Follow Jorge Lorenzo @jorlorenzook Follow Agustin Pardella @agustinpardella

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/6-7-2026-docMembers ShowFourthwallPatreon

Long waits between streaming seasons may be helping some shows build huge return-viewing events, but they also risk training audiences to cancel between releases. Plus, Amazon backs away from Stargate, Netflix pauses Hannibal, Plex gets more social, and states may challenge a giant media merger.This week on The FULL Experience: Murder, She Wrote (718 - "Where Have You Gone, Billy Boy?")Next week: Murder, She Wrote (1224 - "Death by Demographics")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/ICsqCbwO2YA Hosted on Acast. See acast.com/privacy for more information.

Long waits between streaming seasons may be helping some shows build huge return-viewing events, but they also risk training audiences to cancel between releases. Plus, Amazon backs away from Stargate, Netflix pauses Hannibal, Plex gets more social, and states may challenge a giant media merger.This week on The FULL Experience: Murder, She Wrote (718 - "Where Have You Gone, Billy Boy?")Next week: Murder, She Wrote (1224 - "Death by Demographics")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/ICsqCbwO2YA Hosted on Acast. See acast.com/privacy for more information.

Long waits between streaming seasons may be helping some shows build huge return-viewing events, but they also risk training audiences to cancel between releases. Plus, Amazon backs away from Stargate, Netflix pauses Hannibal, Plex gets more social, and states may challenge a giant media merger.This week on The FULL Experience: Murder, She Wrote (718 - "Where Have You Gone, Billy Boy?")Next week: Murder, She Wrote (1224 - "Death by Demographics")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/ICsqCbwO2YA Hosted on Acast. See acast.com/privacy for more information.

A new Firefox release confuses Félim, Plex makes no sense in a world where Jellyfin exists, Will considers paying for the Kagi search engine, and another small Android tablet for your wall. Plus what we learned at the recent Ubuntu Summit. News/discussion Firefox 151.0, See All New Features, Updates and Fixes New Lifetime Plex Pass Pricing Kagi Shelly Wall Display Ubuntu Summit Ubuntu Summit 26.04 Timetable Ubuntu Summit videos See our contact page for ways to get in touch. RSS: Subscribe to the RSS feeds here

A new Firefox release confuses Félim, Plex makes no sense in a world where Jellyfin exists, Will considers paying for the Kagi search engine, and another small Android tablet for your wall. Plus what we learned at the recent Ubuntu Summit. News/discussion Firefox 151.0, See All New Features, Updates and Fixes New Lifetime Plex Pass Pricing Kagi Shelly Wall Display Ubuntu Summit Ubuntu Summit 26.04 Timetable Ubuntu Summit videos See our contact page for ways to get in touch. RSS: Subscribe to the RSS feeds here

The MacVoices Live! panel examines Spotify adopting Apple-backed video podcast technology, Instagram's disappearing posts and why anyone would want them, and  Microsoft expanding Copilot everywhere, whether it is a good idea or not. Chuck Joiner, David Ginsburg, Jeff Gamet, Guy Serle, Web Bixby, Eric Bolden, Marty Jencius, and Jim Rea also look at the risks of putting AI mini data centers in homes, and Plex's major lifetime Pass price hike. MacVoices is supported by NordLayer. Secure your network & stay compliant with one toggle-ready platform. Get an exclusive offer: up to 22% off NordLayer yearly plans plus 10% on top with the coupon code: MACVOICES10 at NordLayer.com/macvoices.  Try it risk-free—14-day money-back guarantee. Show Notes: Chapters: 00:00 Opening: exploit speed, bot limits, and bad tech features00:27 Spotify adopts Apple-backed video podcast technology01:18 Video podcast standards and Apple's role02:17 How video delivery scales across devices03:13 Apple's RFC and the origins of the standard04:26 Instagram's disappearing-post feature05:18 Why disappearing content remains popular05:55 Platform imitation and social media competition07:04 Microsoft retires Edge Copilot mode because Copilot is everywhere07:35 Copilot's expansion across enterprise tools08:13 AI mini data centers proposed for homes09:27 How home-hosted data centers might work10:17 Power, zoning, regulation, and community concerns13:08 Theft, internet traffic, and infrastructure problems16:40 NordLayer sponsor message18:02 Plex raises lifetime Plex Pass pricing18:31 Plex Pass pricing details and July 1 increase19:42 Why Plex may be pushing users toward subscriptions21:55 Panelists discuss their own Plex Pass usage22:12 What Plex Pass adds beyond free local streaming24:44 Plex's explanation for keeping lifetime passes25:31 Real-world Plex server setups and remote access27:13 Closing thoughts and warning about a fake CleanMyMac site28:02 Panelist contact information and wrap-up36:37 Chat room thanks and live show reminder37:10 Closing support, social, and sponsor information Links:   Spotify to Adopt Apple's Technology for Video Podcasts https://www.macrumors.com/2026/05/14/spotify-to-adopt-apples-tech-for-video-podcasts/   Instagram's New Snapchat Clone Makes It Too Easy to Send Disappearing Images to All Your Friends https://lifehacker.com/tech/instagram-snapchat-clone-that-lets-you-send-disappearing-messages   Microsoft is retiring Copilot Mode on Edge, because everything is Copilot Mode now – Engadget https://www.engadget.com/2172610/microsoft-copilot-edge-desktop-mobile/   The newest AI boom pitch: Host a mini data center at your homehttps://arstechnica.com/ai/2026/05/the-newest-ai-boom-pitch-host-a-mini-data-center-at-your-home/   Plex increasing Lifetime Plex Pass cost to whopping $750 https://9to5mac.com/2026/05/19/plex-increasing-lifetime-plex-pass-cost-to-whopping-750/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Marty Jencius, Ph.D.,is a counselor educator and technology pioneer who has spent 30 years bringing emerging tech into his field — from founding one of the first professional listservs (CESNET-L) to podcasting, virtual reality, and now AI and AR. He is the founder of ThePodTalk.net, where he produces Vision ProFiles, The Old Mac Gang, A.I. Productivity Workflow, The Tech Savvy Professor, 15 Minute Bytes, The Neo Notebook, and Fade to Chat: Golden Age Cinema. He is also a regular panelist on MacVoices Live!, In Touch with iOS, and The Mac Show. Find him on Bluesky and Mastodon. Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Guy Serle, best known for being one of the co-hosts of the MyMac Podcast, sincerely apologizes for anything he has done or caused to have happened while in possession of dangerous podcasting equipment. He should know better but being a blonde from Florida means he's probably incapable of understanding the damage he has wrought. Guy is also the author of the novel, The Maltese Cube. You can follow his exploits on Twitter, catch him on Mac to the Future on Facebook, at @Macparrot@mastodon.social, and find everything at VertShark.com. Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Mastodon:     https://mastodon.cloud/@chuckjoiner      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

The MacVoices Live! panel examines Spotify adopting Apple-backed video podcast technology, Instagram's disappearing posts and why anyone would want them, and  Microsoft expanding Copilot everywhere, whether it is a good idea or not. Chuck Joiner, David Ginsburg, Jeff Gamet, Guy Serle, Web Bixby, Eric Bolden, Marty Jencius, and Jim Rea also look at the risks of putting AI mini data centers in homes, and Plex's major lifetime Pass price hike. MacVoices is supported by NordLayer. Secure your network & stay compliant with one toggle-ready platform. Get an exclusive offer: up to 22% off NordLayer yearly plans plus 10% on top with the coupon code: MACVOICES10 at NordLayer.com/macvoices.  Try it risk-free—14-day money-back guarantee. Show Notes: Chapters: 00:00 Opening: exploit speed, bot limits, and bad tech features 00:27 Spotify adopts Apple-backed video podcast technology 01:18 Video podcast standards and Apple's role 02:17 How video delivery scales across devices 03:13 Apple's RFC and the origins of the standard 04:26 Instagram's disappearing-post feature 05:18 Why disappearing content remains popular 05:55 Platform imitation and social media competition 07:04 Microsoft retires Edge Copilot mode because Copilot is everywhere 07:35 Copilot's expansion across enterprise tools 08:13 AI mini data centers proposed for homes 09:27 How home-hosted data centers might work 10:17 Power, zoning, regulation, and community concerns 13:08 Theft, internet traffic, and infrastructure problems 16:40 NordLayer sponsor message 18:02 Plex raises lifetime Plex Pass pricing 18:31 Plex Pass pricing details and July 1 increase 19:42 Why Plex may be pushing users toward subscriptions 21:55 Panelists discuss their own Plex Pass usage 22:12 What Plex Pass adds beyond free local streaming 24:44 Plex's explanation for keeping lifetime passes 25:31 Real-world Plex server setups and remote access 27:13 Closing thoughts and warning about a fake CleanMyMac site 28:02 Panelist contact information and wrap-up 36:37 Chat room thanks and live show reminder 37:10 Closing support, social, and sponsor information Links:   Spotify to Adopt Apple's Technology for Video Podcasts https://www.macrumors.com/2026/05/14/spotify-to-adopt-apples-tech-for-video-podcasts/   Instagram's New Snapchat Clone Makes It Too Easy to Send Disappearing Images to All Your Friends https://lifehacker.com/tech/instagram-snapchat-clone-that-lets-you-send-disappearing-messages   Microsoft is retiring Copilot Mode on Edge, because everything is Copilot Mode now – Engadget https://www.engadget.com/2172610/microsoft-copilot-edge-desktop-mobile/   The newest AI boom pitch: Host a mini data center at your homehttps://arstechnica.com/ai/2026/05/the-newest-ai-boom-pitch-host-a-mini-data-center-at-your-home/   Plex increasing Lifetime Plex Pass cost to whopping $750 https://9to5mac.com/2026/05/19/plex-increasing-lifetime-plex-pass-cost-to-whopping-750/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Marty Jencius, Ph.D.,is a counselor educator and technology pioneer who has spent 30 years bringing emerging tech into his field — from founding one of the first professional listservs (CESNET-L) to podcasting, virtual reality, and now AI and AR. He is the founder of ThePodTalk.net, where he produces Vision ProFiles, The Old Mac Gang, A.I. Productivity Workflow, The Tech Savvy Professor, 15 Minute Bytes, The Neo Notebook, and Fade to Chat: Golden Age Cinema. He is also a regular panelist on MacVoices Live!, In Touch with iOS, and The Mac Show. Find him on Bluesky and Mastodon. Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Guy Serle, best known for being one of the co-hosts of the MyMac Podcast, sincerely apologizes for anything he has done or caused to have happened while in possession of dangerous podcasting equipment. He should know better but being a blonde from Florida means he's probably incapable of understanding the damage he has wrought. Guy is also the author of the novel, The Maltese Cube. You can follow his exploits on Twitter, catch him on Mac to the Future on Facebook, at @Macparrot@mastodon.social, and find everything at VertShark.com. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

This week Brian with a B and Amferny watch the 2025 horror/thriller, The R.I.P. Man. The R.I.P. Man is the story of a serial killer who has a rare dental condition so he murders young people and takes their teeth to create his own smile. This movie is directed by Jamie Langlands and stars Owen Llewelyn, Maximus Polling, Jasmine Kheen, Bruno Cryan and Mia Bowd. This movie is available on PLEX, YouTube, Google Play, Fandango at Home, Apple TV and Prime Video. Instagram Links: Follow Jamie Langlands @jdlanglands Follow Owen Llewelyn @owenllewelyn Follow Maximus Polling @pollingmaximus Follow Jasmine Kheen @jasminekheen Follow Mia Bowd @miabowd

In this episode, join Avery and I as we descend into the grueling world of Bare Skin. As she best describes the envisage sitting in a circle of strangers, sharing the most traumatic, deeply buried secrets of your past, only to slowly realize that your nightmares are all connected by one terrifying thread. The very talented Avery plays Heidi, a young woman who finds herself trapped in an emotionally exhausting and terrifying fight for survival. Avery has certainly brought her talent to a whole new level of impressiveness by delivering her character with stamina and poise. You can stream the 2026 psychological horror-thriller Bare Skin for free on platforms like Tubi and Plex. It is also available to rent or purchase on Apple TV, Amazon Prime Video, and Google Play.

European Commission unveils “tech sovereignty” strategy, Microsoft unveils 7 new in-house AI models, Plex adds new social features before Pass price hike. MP3 Please SUBSCRIBE HERE for free or get DTNS shows ad-free. A special thanks to all our supporters–without you, none of this would be possible. If you enjoy what you see you canContinue reading "Google Testing New Toggle Inside Search Console For UK Domains – DTH"

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/5-31-2026-docMembers ShowFourthwallPatreon

In this episode of Black and Snerdy, Ode (@thatsod.e / @thatsod_e) and Mo "Kid" Licorish (@licorishislegit) speak with writer-director Gregory Pellerito about his movie Moments of Youth, a single-night coming-of-age film built around a scavenger-hunt structure and a major traumatic event that is explored two years later. Gregory describes the decision to keep the traumatic moment implicit while showing its long-term effects, details the emotional read-through that left the cast silent and crying, and explains editorial choices such as shooting the key scene in black-and-white and bringing color back when a character sings. The conversation connects the film's tone to classic influences—John Hughes, Ferris Bueller, Breakfast Club—while positioning the movie between American Pie-style hijinks and deeper drama. The guest also discusses Perks of Being a Wallflower as a touchstone and distribution plans including a theatrical start and availability on Tubi, Amazon, and Plex. Show notes and links: LinkTree (https://linktr.ee/GregoryMPellerito)Gregory Instagram (@gregory_pellerito21)Gregory Facebook (https://www.facebook.com/gregory.pellerito/?checkpoint_src=any)Film Instagram (@momentsofyouth_movie)Film Facebook (https://www.facebook.com/profile.php?id=61588343952471)Jackpot Pictures (https://jackpotpix.com/)Film TikTok (https://www.tiktok.com/@moymovie2026)Buffalo 8 (https://buffalo8.com/project/moments-of-youth/)Jackpot Pictures YouTube (https://www.youtube.com/@jackpotpictures9308).

Apple Intelligence translation, taming your Desktop, fixing 4K Mac displays, iCloud email tips, and the Plex price hike.

This week Brian with a B and Amferny watch the 2026 horror comedy, Amityvillenado. Amityvillenado is the story of a haunted tornado created from the destruction of the DeFeo house that is killing the residents of Amityville and the group of paranormal investigators trying to stop it's murder spree. This movie is directed by Paul Tucker and Jeff Van Gerwen and stars Trey Ball, Jib Haddan, Elizabeth McCoy, Clay Aleman and Will Hoffpauir. This movie is available on PLEX, Vudu, Apple TV and Prime Video. Instagram Links: Follow Paul Tucker @duckjoystick Follow Amityvillenado @amityvillenado Follow Jeff Van Gerwen @jeffvangerwen Follow Jib Haddan @jibhaddan Follow Elizabeth McCoy @freckledporcelain Follow Clay Aleman @clayayay

 Discover the quirks of B-movies as we explore 'The Mind Snatchers' and 'Devil's Dynamite.' Learn why these films are worth your time and where to find them. When it comes to cinema, not every film is created equal. Some are masterpieces, while others fall into the category of B-movies—films that may not be critically acclaimed but offer unique entertainment value. In this post, we'll delve into two intriguing B-films: **'The Mind Snatchers'** and **'Devil's Dynamite.'**  By the end, you'll understand what makes these films both fascinating and frustrating, and maybe even find the motivation to give them a watch. ## About 'The Mind Snatchers'   **Quick overview of the film**   Released in 1972, 'The Mind Snatchers' features Christopher Walken in one of his early roles. This film, also known by its original title **'The Happiness Cage,'** explores themes of psychological manipulation and the human mind. Although it has garnered a cult following, many viewers find it perplexing and somewhat bewildering. ### Why This Film Matters   - **Psychological Themes:** The film dives deep into the human psyche, exploring what happens when control is taken away. - **Cult Classic Status:** While not a mainstream success, its offbeat narrative has allowed it to maintain a special place in B-movie history. ## Discovering 'Devil's Dynamite'   **Overview and Context**   'Devil's Dynamite,' often associated with the infamous Godfrey Ho, is a film notorious for its confusing plotlines and unique charm. Known for its bizarre editing and surreal visuals, it's a sequel to **'Robo Vampire'**—a fact that only adds to its eccentricity.  ### The Appeal of Godfrey Ho Films   - **Entertaining Ineptitude:** Godfrey Ho's films are known for their low budget and questionable production quality, which often leads to unintentional humor. - **Cult Following:** Much like 'The Mind Snatchers,' these films have their own dedicated audience who appreciate the absurdity. ## Finding These Films   ### Tips for Streaming   Both films can be tricky to find on popular streaming platforms. Here are some tips for locating them: - **Search Engines:** Utilize websites like JustWatch to find where these films are available. - **Streaming Services:** Look for them on services that specialize in independent and B-movies, such as Tubi and Plex. ### Common Search Issues   Many users experience difficulty in finding these titles on mainstream platforms. It's recommended to type the full title and check alternative listings if results are sparse.  ## Key Takeaways   - B-movies like 'The Mind Snatchers' and 'Devil's Dynamite' offer a unique viewing experience that can be both entertaining and perplexing. - Understanding the context and history behind these films enhances appreciation for their unconventional storytelling. - If you're curious about the world of B-movies, these titles are a great starting point. ## Conclusion   In summary, both 'The Mind Snatchers' and 'Devil's Dynamite' showcase the quirks and charm of B-movies. While they may not be for everyone, they provide a glimpse into the creativity and sometimes chaotic nature of filmmaking. So why not give them a try? Who knows, you might just discover a new favorite.  

Massive price hikes hit Plex, Valve, and Sony this week. Is your tech budget safe? Plus, we look at Google and Spotify's new value features. The post Entertainment 2.0 #711 – Plex, PlayStation, and the Price Hike Era appeared first on The Digital Media Zone.

Will & Jared complete their Matt Johnson miniseries with a found footage flick of four CIA operatives and their fictitious trip to the Moon. This week, we discuss Operation Avalanche.What surprises Will about how some of Operation Avalanche was sneakily filmed? What series of TV shows has Jared dived headlong into finally? What county will Will travel to next month? Does Jared discover a soundboard and get carried away? Listen to find out!Operation Avalanche is available to watch on Tubi, Plex, Fawsome, and Kanopy.Intro by AJ Stillabower (ajstillabower.com).Our outro track is "Gymnopedie No. 1" by Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 LicenseYou can listen to Reno Championship Wrestling & Spellbound and Gagged anywhere you get podcasts.Email the show at debaserpod@gmail.comFollow Debaser on Instagram, Bluesky, and Facebook.Follow Will on Instagram and Jared on Bluesky.Cover art by @DogBitesBackNY

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/5-24-2026-docMembers ShowFourthwallPatreon

Happy Memorial Day! We managed to sort out our recording issue. For the moment, but you would like to help us repair it for good, listen to find out how. Some topics we cover, price increases all around. Plex, Twitter, and Sony are raising prices. Twitter is making changes to charge you for freedom. Doctor Who has found a new home for the 2005 revival of the series. Bungie says goodbye to Destiny 2, and Google is only offering 5GB for new accounts unless you do something else.Thanks to a couple that donated to my birthday fund. Was able to do a couple of things. We are still fundraising for our Springtime fundraising. There is still time to help us out.Wanna Donate:Donations will allow us to remain ad-free and expand our content.Donate to our PayPalCash App: $TheGenXerVenmo: @thelazygeeks_1010Zelle: steven.vargas512@gmail.comBlog: DonationsWishlist: AmazonMusic By:"What You Want" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/Other Shows:The Lazy Geeks: Apple Podcast/SpotifyGreat American Sh*t Show: Apple Podcast/SpotifyThe Gen X Construct: Apple Podcast/SpotifyContact Us:Blog: The Lazy GeeksSocials: Facebook/Instagram/Threads/TikTok/TwitterMailbag: thelazygeeksnetwork@gmail.com Hosted on Acast. See acast.com/privacy for more information.

Send us a text!Watch this ep on YouTube! THIS WEEK: •

On this week's show: Google I/O 2026 is all about agentic AI and Search that answers before you ask, Homey hikes hardware prices and Plex triples its Lifetime Pass price, Hubitat hooks up with Ring, UniFi announces a new 5G backup, Birdie Pro faints at bad air, and iGarden's robot goes for an Olympic clean. A pick of the week, project updates, and so much more!

In Touch with iOS episode 424, Dave Ginsburg is joined by Jeff Gamet, Guy Serle, Marty Jencius, Jill McKinley, and Eric Bolden to discuss Apple's latest Vision Pro immersive soccer documentary, WWDC 2026 announcements, AI-powered accessibility features, Google's new smart glasses, and Apple's growing education push with MacBook Neo devices. The panel also covers Plex's massive price increase, Meta layoffs, Fortnite's return to the App Store, new Mac apps, and Apple filming an MLS match entirely on iPhone 17 Pro devices. Plenty of laughs, tech insight, and Macstock excitement round out the show. The show notes are at InTouchwithiOS.com  Direct Link to Audio  Links to our Show Give us a review on Apple Podcasts! CLICK HERE we would really appreciate it! Click this link Buy me a Coffee to support the show we would really appreciate it. intouchwithios.com/coffee  Another way to support the show is to become a Patreon member patreon.com/intouchwithios Website: In Touch With iOS YouTube Channel In Touch with iOS Magazine on Flipboard Facebook Page BlueSky Mastodon X Instagram Threads Summary In episode 424 of In Touch With iOS, Dave Ginsburg is joined by Jeff Gamet, Guy Serle, Marty Jencius, Jill McKinley, and Eric Bolden for a packed discussion covering Apple news, Vision Pro updates, WWDC anticipation, accessibility improvements, AI-powered gadgets, and plenty of laughs along the way. The show opens with discussion around Apple's latest immersive Vision Pro experience, "Real Madrid: The Weight of Greatness," a new Apple Immersive Video documentary filmed using more than 30 Blackmagic cameras during the 2025 Champions League. The panel talks about Apple continuing to expand immersive sports storytelling while also connecting it to the company's growing MLS partnership. The conversation quickly turns humorous as Guy wonders whether there's a "fake Madrid," while Jeff enjoys Dave's attempts at pronouncing soccer player names. The team then dives into Google's upcoming AI smart glasses announced during Google I/O. These audio-first glasses, developed with Samsung and Warby Parker, sparked debate over privacy, practicality, and whether anyone actually wants AI glasses without displays. Marty compares them to Meta's Ray-Ban glasses, while Jeff jokes they're "birth control glasses." The panel also raises concerns about privacy, facial recognition, and always-on cameras in public spaces. WWDC 2026 excitement continues building as Apple officially announced the keynote schedule and media invitations for June 8. The group discusses rumors surrounding iOS 27, Siri upgrades, AI integration, and the annual anticipation surrounding Apple's biggest software event. Jill shares that she's often more excited about software announcements than hardware reveals, while Dave calls WWDC "a holiday." The panel also spends time discussing Apple's preview of new accessibility features powered by Apple Intelligence. Updates to VoiceOver, Magnifier, Accessibility Reader, subtitles, and Vision Pro wheelchair controls impressed the group, with several hosts sharing personal stories about how accessibility tools already help them daily. The team praises Apple for remaining an industry leader in accessibility innovation year after year. On the Mac side, the discussion focuses on Kansas City Public Schools transitioning 30,000 students away from Windows PCs and Chromebooks to Apple devices, including MacBook Neo laptops. The panel talks about Apple's growing affordability in education, the long-term benefits of students learning on macOS, and how Apple Silicon helped Apple finally compete aggressively at lower price points. Dave also highlights Hovercraft, a new Mac app designed to improve presentations during video calls without fully replacing the presenter's camera feed. The panel compares the lightweight tool to Ecamm Live while discussing whether the app's one-time pricing model is sustainable. A new recurring segment debuts: "In Touch with Jeff's Blog," where Jeff discusses Meta laying off 8,000 employees while aggressively shifting focus toward AI initiatives. The panel critiques Meta's priorities, especially layoffs impacting cybersecurity and integrity teams, and debates whether the company is simply chasing the next big trend. Jeff's second blog topic covers Plex dramatically increasing the price of its lifetime Plex Pass license from $249 to $749. The panel reacts with disbelief, jokes about "lifetime" depending on your age, and discusses how subscription pricing models continue reshaping software businesses. Topics and Links In Touch With Vision Pro this week.  Apple Immersive video on Real Madrid coming this week to Vision Pro  Trailer: Apple Vision Pro: Official Trailer for Real Madrid: The Weight of Greatness Google's First AI Smart Glasses Launching This Fall With iPhone Support Beta this week. iOS 26.5 was released last week no beta this week before WWDC.. we think. In Touch With Mac this week Kansas City Public Schools to replace 30,000 Windows PCs and Chromebooks with Apple devices Hovercraft is a new Mac app that makes video call presentations feel more personal https://sandwich.vision/hovercraft New Segment: In Touch WIth Jeff's Blog Jeff Gamet -Blog Link Zuckerberg Sacrifices 8000 Employees for AI Dream Plex Lifetime Pass Gets a $500 Price Hike Other Topics Apple Announces WWDC 2026 Schedule, Sends Media Invites  Happy 25th Apple Retail Stores Apple's First Retail Stores Opened 25 Years Ago Today Apple unveils new accessibility features, and updates with Apple Intelligence  Apple Re-Releases a Sold-Out iPhone MagSafe Grip in Three New Colors This is for Jeff Cats Lock for Mac Stops Your Cat From Causing Keyboard Havoc Link to app: Cats Lock For Eric: Birdfy Review: Smart Bird Feeders and Bird Bath Put to the Test News Nintendo's New 'Pictonico' iOS Game Turns Your Photos Into Minigames Fortnite Returns to the App Store Worldwide as Epic Signals 'Final Battle' With Apple iPhone 17 Pro Will Make Sports History This Weekend - MacRumors Announcements Macstock X is here celebrating its 10th anniversary ! Dave, Chuck, Jeff, Marty, and Jill are all speaking this year!. With Three Full Days of expert-led Presentations and Workshops, Macstock's sessions are crammed full of productivity-enhancing content. NEW this year is a partnership with sponsor Ecamm. Ecamm Creator Camp: Mac Edition on July 9, 2026 there are only 100 tickets available for the bundle. There are 2 passes available: Macstock weekend pass July 10,11,12, 2026 or the Macstock Ecamm Bundle starting July 9 (only 100 tickets available)  Come join us. Register HERE and use our offer code INTOUCH to save $50 Our Host Dave Ginsburg is an IT professional supporting Mac, iOS and Windows users and shares his wealth of knowledge of iPhone, iPad, Apple Watch, Apple TV and related technologies. Visit the YouTube channel https://youtube.com/intouchwithios follow him on Mastodon @daveg65, , BlueSky @daveg65  and the show @intouchwithios   Our Regular Contributors Jeff Gamet is a podcaster, technology blogger, artist, and author. Previously, he was The Mac Observer's managing editor, and Smile's TextExpander Evangelist. You can find him on Mastadon @jgamet Pixelfed @jgamet@pixelfed.social and Bluesky @jgamet.bsky.social‬ Podcasts The Context Machine Podcast  Retro Rewatch Retro Rewatch His YouTube channel https://youtube.com/jgamet Marty Jencius, Ph.D., is a professor of counselor education at Kent State University, where he researches, writes, and trains about using technology in teaching and mental health practice. His podcasts include Vision Pro Files, The Tech Savvy Professor and Circular Firing Squad Podcast. Find him at jencius@mastodon.social  https://thepodtalk.net  Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him by email at eabolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast.   Jill McKinley works in enterprise software, server administration, and IT A lifelong tech enthusiast, she started her career with Windows but is now an avid Apple fan. Beyond technology, she shares her insights on nature, faith, and personal growth through her podcasts—Buzz Blossom & Squeak, Start with Small Steps, and The Bible in Small Steps. Watch her content on YouTube at @startwithsmallsteps and follow her on X @schmern. Find all her work at http://jillfromthenorthwoods.com  Chuck Joiner is the host of MacVoices and hosts video podcasts with influential members of the Apple community. Make sure to visit macvoices.com and subscribe to his podcast. You can follow him on Twitter @chuckjoiner and join his MacVoices Facebook group. Guy Serle is one of the hosts of the new The Gmen Show along with GazMaz and email GMenshow@icloud.com  @MacParrot and @VertShark on X  Vertshark on YouTube, Google Voice +1 Area code  703-828-4677

Burnie and Ashley Stephen Colbert, Sir Peter Jackson, new Lord of the Rings, Plex triples lifetime subscription, British adjectives, Last Ship Standing, and the end of Destiny 2.

Google I/O 2026 was packed with AI, wild AGI predictions, Gemini Agents, and 1,000 product names, plus WWDC invites, Apple's iOS 27 accessibility features may hint at the new Siri, growing AI backlash, and Stephen tries to convince Jason to use Plex.Member Promo Code: IWANTCHAPTERS (Click above and the $2.50 promo will be auto applied!)Top Five Tech | Stephen's PodcastCreative Effort | Jason's PodcastWatch on YouTube!Show Notes via EmailEmail Us: podcast@primarytech.fm@stephenrobles on Threads@jasonaten on Threads ------------------------------ Sponsors:Copilot Money - Limited-time: Get 2 months FREE when you sign up at: try.copilot.money/primaryShopify - Sign up for your one-dollar-per-month trial and start selling today at: shopify.com/primaryNordLayer - Get up to 22% off NordLayer yearly plans plus 10% on top with the coupon code: PRIMARTYTECHNOLOGY10 at: nordlayer.com/primarytechnology------------------------------ Links from the showThe Googlebook Doesn't Make Any Sense - IncGemini Task Automation - YouTube‎InnerPulse - App Store‎Symphony for Apple Music App - App Store‎Smart Budget: WalletPal App - App StoreApple kicks off Worldwide Developers Conference on June 8 - AppleGoogle I/O '26 Keynote - YouTubeThe 13 biggest announcements at Google I/O 2026 | The VergeiOS 27 Accessibility Features - YouTubeApple unveils new accessibility features, and updates with Apple Intelligence - AppleApple just revealed an iOS 27 feature that hints at Siri's new powers - 9to5MacThis App Makes iPhone Shortcuts for You - YouTubeApple Sports App Updated With 2026 World Cup Features, Expands to 90 More Countries - MacRumorsVOX Acquired - nytimesPlex Tripling Lifetime Plex Pass Price to $750 in July - MacRumorsEx-Google CEO Booed at CommencementElon vs Altman Verdict nytimes.comComply TrueGrip MAXCharjen AirFoams Pro Active Ear Tips for AirPods Pro 3 (00:00) - Intro (04:30) - App Shout Outs (08:45) - WWDC Media Invites (10:55) - Google I/O Keynote (16:30) - Google Omni (18:45) - C2PA AI Tagging (23:11) - Gemini 3.5 Flash (23:25) - Antigravity 2.0 (25:55) - Gemini Spark (32:36) - AI Search (40:14) - Sponsor: Copilot Money (41:44) - Sponsor: Shopify (43:09) - Sponsor: NordLayer (45:05) - Google Universal Cart (50:40) - Google Creative Tools (52:15) - AI Audio Glasses (55:21) - WeatherNext (59:27) - iOS 27 New Features (01:05:29) - Apple Sports (01:14:26) - Plex Pricing (01:15:51) - Gen Z Hates AI (01:17:56) - Elon Loses to Altman (01:19:58) - AirPods Pro 3 Tips ★ Support this podcast ★

Tony: -Carbonation Station: Redbull Summer Edition -The Android Show I/O 2026: https://www.engadget.com/2171038/everything-announced-at-android-show-google-io-2026/ -New super high end Sony headphones: https://www.engadget.com/2176369/sony-1000x-the-collexion-review/ Jarron:  -Hauntings could be caused by infrasound: https://arstechnica.com/science/2026/04/that-spooky-sensation-likely-due-to-rumbling-pipes-not-spirits/ -Google I/O: https://www.theverge.com/tech/933415/google-io-2026-biggest-announcements-ai-gemini -Elon Musk loses. HAHAHAHAHAHAHA. Elon Musk Loses Lawsuit Against OpenAI -Hell has frozen over: AT＆amp;T, Verizon, T-Mobile Team Up To Eliminate 'Dead Zones' Across US Owen: -Sad Musk. https://yro.slashdot.org/story/26/05/18/1845222/elon-musk-loses-lawsuit-against-openai -WTF Plex?! Plex's lifetime subscription cost is tripling to $750 Lando: -We are living in the future!! Pizza delivery by drone! https://www.entrepreneur.com/business-news/little-caesars-just-made-history-with-drone-delivery

Its time to start your engines, because a new Forza Horizon is out and ready to be driven, and all in the shadow of Mt. Fuji. Plus XBOX may have to go back to exclusives, while PlayStation is ditching PC. HBO gave us our first real look at Lanterns ahead of its August release, and PlayStation is also hoping on the price increase train, as PS+ gets a hike.

Join The Full Nerd gang as they talk about the latest PC building news. In this episode the gang talks FSR 4.1 support coming to RDNA 3 and RDNA 2 Radeon GPUs (including handhelds?), whether or not there are good AI use cases for nerds like us, and more. And of course we answer questions live! Timecodes: 00:00:00 - Intro 00:03:23 - Good AI for nerds? 00:52:30 - FSR 4.1 coming to old Radeon 01:01:20 - No more PS games on PC 01:19:00 - Q&A Links: - AI diagnoses Plex server: https://www.pcworld.com/article/3055124/gemini-gave-my-plex-server-a-checkup-its-diagnosis-surprised-me.html - OpenClaw talk on Dual Boot Diaries: https://www.youtube.com/watch?v=e5s2Lzf4iOY - FSR 4.1 on older Radeon GPUs: https://www.pcworld.com/article/3139796/amd-is-bringing-fsr-4-to-older-radeon-cards-but-youll-have-to-wait.html - No more Playstation on PC: https://www.pcworld.com/article/3142776/say-goodbye-to-most-playstation-exclusives-on-pc.html Join the PC related discussions and ask us questions on Discord: https://discord.gg/UWhjwg778a Follow the crew on X and Bluesky: @AdamPMurray @BradChacos @MorphingBall @WillSmith Some links may contain affiliate links, which means if you buy something PCWorld may receive a small commission. ============= Read PCWorld! Website: http://www.pcworld.com Newsletter: http://www.pcworld.com/newsletters/signup ============= Learn more about your ad choices. Visit megaphone.fm/adchoices

YouTube is leaning harder into TV-style programming, ad sales, and creator sponsorships, while Netflix keeps adding live sports that make streaming look more like old-school television. Meanwhile, Doctor Who moves to AMC+, Plex shocks lifetime users, Hulu folds deeper into Disney+, and YouTube-native shows keep pushing toward theatrical releases.This week on The FULL Experience: Murder, She Wrote (308 - "Magnum on Ice")Next week: Murder, She Wrote (101 - "Deadly Lady")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/IxgyCJrhzZ0 Hosted on Acast. See acast.com/privacy for more information.

YouTube is leaning harder into TV-style programming, ad sales, and creator sponsorships, while Netflix keeps adding live sports that make streaming look more like old-school television. Meanwhile, Doctor Who moves to AMC+, Plex shocks lifetime users, Hulu folds deeper into Disney+, and YouTube-native shows keep pushing toward theatrical releases.This week on The FULL Experience: Murder, She Wrote (308 - "Magnum on Ice")Next week: Murder, She Wrote (101 - "Deadly Lady")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/IxgyCJrhzZ0 Hosted on Acast. See acast.com/privacy for more information.

YouTube is leaning harder into TV-style programming, ad sales, and creator sponsorships, while Netflix keeps adding live sports that make streaming look more like old-school television. Meanwhile, Doctor Who moves to AMC+, Plex shocks lifetime users, Hulu folds deeper into Disney+, and YouTube-native shows keep pushing toward theatrical releases.This week on The FULL Experience: Murder, She Wrote (308 - "Magnum on Ice")Next week: Murder, She Wrote (101 - "Deadly Lady")Subscribe, get expanded show notes, and past episodes at http://Cordkillers.comSupport Cordkillers at http://Patreon.com/CordkillersYouTube: https://youtu.be/IxgyCJrhzZ0 Hosted on Acast. See acast.com/privacy for more information.

Check Out Echoplex Radio iTunes, Stitcher, Google, iHeart, Spotify, RSS, Odysee, Twitch, YouTubeSupport This Project On Patreon Check Out Our Swag Shop Join Our Discord Server Check out our Linux powered studio!‍ ‍Host: Producer DaveDocket: https://bit.ly/5-17-2026-docMembers ShowFourthwallPatreon

Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 28th at 8:00 PM Eastern Time. Keith describes how a plain long-term single-family rental can quietly build wealth in ways most investors overlook, using his "GRE Duck" framework to illustrate returns beyond simple cash flow. He also emphasizes the passive income potential of buy-and-hold properties, detailing factors like: appreciation, principal paydown, tax benefits, and inflation. An Oklahoma-based investor and provider then joins Keith to introduce Oklahoma City and nearby markets as emerging options for cash flow–focused buyers.  Together, they explore why this lesser-known market and a straightforward buy-and-hold approach may deserve a closer look from investors. Episode Page: GetRichEducation.com/606 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate duck is quacking. Learn what that's all about. See how you could expect to profit $2,500 every month just from a normal long term rental. Then the most important message that I have to tell you in years. And finally, we explore a market where new build single family rentals cost $145,000 all today on get rich, education, flock homes helps multi family owners exit the operator grind, whether it's your six Plex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management request your initial valuation, see if your property qualifies. At flock homes.com/gre that's F, L, O, C, K, homes.com/g, R, E,   Speaker 1  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.   Keith Weinhold  1:23   Welcome to GRE from Hudson, Colorado to Hudson, New York and across 188 world nations. I'm Keith Weinhold, and this is get rich education with perspective every week that you won't hear from the average slack jawed finance talking head. Just a few weeks ago, it was announced that rent payments will now factor into credit scores. Yes, I suppose that now tenants can say, See, my rent is not like throwing money away. I'm investing in my FICO score. This is good news for landlords. It can be good news for tenants too, actually, and I think it's just good for society that being accountable and making timely rent payments get tracked and can be rewarded. Yes, the news is that weeks ago, Fannie Mae and Freddie Mac are allowing rent and utility payments to be included in credit reports that are factored into eventual mortgage approvals. It is good that your tenant is informed of this, and therefore they'll be more incentivized to pay you the rent on time. So yes, rent is now a credit builder and hmm, does this mean that America finally admitted that shelter is more important than your tenant's Banana Republic Visa card? This is something that should have been done a long time ago now. This also helps in the rent to own strategy, if you ever employ that with a tenant. Yeah, the rent to own strategy. That's where a tenant, they rent a home from you today, with the option to buy it from you later at a pre agreed price. It's basically a hybrid between renting and buying. And the advantage is you can sell your rental at a greater profit than you could otherwise, when you employ that and the reason that having rent payments be on a credit report now gives you some assurance that your tenants will improve their credit scores enough to qualify for a mortgage and actually buy your rental. So that's always an exit option for you the rent to own strategy benefiting too from this change. Now let me tell you about the GRE duck, because this duck is quacking, making some noise, and we talk about what you might think of as a more base investment strategy. And this might be your base investment strategy. It is just simple long term buy and hold investing. Some people mistakenly think that to be a big profiteer in real estate, that it takes a lot of time and money, or they think that you've got to flip a property or wholesale or do rent to own plans with your tenant, like I just mentioned, or that you have to house hack. You don't have to do any of that heavy hands on stuff. You can be highly profitable without opening up some active business inside your property, like an assisted living home or doing some co living arrangement that you self manage, or doing short term rentals. No, you don't have to do any of that. No sledge hammer required. Let's talk about the GRE duck and how normal long term rentals are super profitable. In fact, you can profit $2,500 per. Per month from just one ordinary, single family investment property, just a regular long term rental with, say, a small down payment on a 300k income property.    Keith Weinhold  5:14   Now $2,500 that might seem high to be clear, that's not the rent amount. That's not the gross. This is your net, $2,500 in total profit every month. And you know, from the outside, the uninitiated might say, Well, wait, how could one plain house really perform this? Well, all right, say that it creates $200 in monthly cash flow, your rent income, minus expenses. This only represents the part of a duck that is visible on top of the water there on the lake surface, because that's all that most people see. And it's not a decoy duck. This is the real thing, because the duck also kicks up less visible underwater returns of another $2,300 monthly. And here's how what's beneath the surface, those duck legs are paddling like they're doing CrossFit. Here's a plausible scenario. Let's just use an appreciation rate of 5% mortgage rate of 6% and say inflation is 3% Well, the first thing that the duck is furiously kicking up underwater is that erstwhile appreciation of 5% on a 300k property. This is $15,000 a year that you're benefiting, which is $1,250 per month of profit to you. Next, there's principal pay down, also known as your ROA, that return on amortization your tenant is chipping away at your loan balance for you $3,000 a year from an amortization table, that's 250 bucks a month. Then there's the tax benefits. Say the estimated depreciable value is 240k after land divide that by 27 and a half years for your depreciation schedule, that is an $8,700 a year deduction. If you're in a 25% tax bracket, that's 2200 bucks a year, nearly another $200 a month from this alone. And there are more tax benefits than that depreciation, but that's all we're going to use for simplicity. And finally, inflation, profiting 3% inflation on your 240k loan, that is 7200 bucks a year. Yes, another 600 bucks a month. Now let's put it all together to see what the duck is doing. You've got $200 worth of cash flow, which is the visible duck, and then the rest of the paddling legs, with what they're doing underwater, it's $1,250 of appreciation, 250 in principal pay down, 200 in tax benefits, and 600 in inflation profiting. This is how your total financial benefit is $2,500 a month, and this is $30,000 of annual benefit to you. Yes, on average, you are 30k wealthier annually just from this 20% down payment on one plain, single family rental with something about as passive as it gets in real estate, that $200 per month of cash flow, that's only the part that you can see the duck gliding on the surface. And now, of course, your exact number is going to be higher or lower. Oh, maybe some downers on this is if there's a surprise insurance claim that dense things like a tree falling on your fence or a roof leak or a plumbing backup, you'll also have closing costs that you need to pay one time, a three to 4% of the loan amount when you buy so the duck could get splashed. And then this could be even better than I laid out. You might have a refinance opportunity that could increase your number. Your mortgage rate could be less than the 6% number that I use. Many builders are buying it down to under 5% for you still, and this will grow your profit number beyond $30,000 a year, and in this case, the duck would enjoy a tailwind.    Keith Weinhold  9:45   Today, you do often need a seller to provide incentives to make deals create cash flow. I did some rounding for simplicity in that example, which is really like a fresh spin on real estate pays five ways that I laid out there. So essentially, this $30,000 of annual benefit this occurs whether you show up to work or not, whether you stay in bed or not, and you're probably working on it one hour per month or less. Yes, this is simply buy and hold property. None of this flipping or wholesaling or active businesses that you need to run inside it buy and hold property that's either new build or it's turnkey renovated. I mean, it's even kind of boring, no market timing, no next hot thing, nothing loud, nothing risky, nothing Instagramable. Yet so many people miss out on all of this and why? It's because they only see that $200 visible part of the duck, and they sort of think, why bother? And then you have other investors that don't stick with it long enough to realize and capture the benefit. It could take a few years to really feel a wave of appreciation or inflation. These things are more apparent, like a duck that starts quacking and getting noticed, the GRE duck helps you understand how even a modest portfolio of four or five or 10 ordinary houses builds lasting wealth. Some people think that they need to own 100 doors worth of apartment building units or something like that in order to quit their job. That is just not true. I describe precisely how the middle class can get ahead. You could quietly out earn your day job with just a small pack of properties. This is embodied and symbolized by the GRE duck. Later today, we'll talk about the exact types of properties that are conducive to this. Let me tell you what's really interesting. Now, when we look at a five year arc, here's what's remarkable. In 2022 mortgage rates tripled and home prices rose anyway. In 2024 and 2025 the level of inventory soared and home prices rose anyway. Last year, available inventory was up about 30% from the prior year. Well now it's only up about 4% from last year, the growth in available housing supply has really slowed. It is going to be fascinating if supply shrinks this year, and this is the trend, this is the direction that the market is going, which could put accretive upward pressure on prices, but not as much as something else could. Now, sometimes here on the show, I inform you about micro real estate issues, or like the savviest strategy to achieve rent increases with your tenant, but there is a macro force that could reshape real estate markets in your purchasing power for years. In fact, I'm about to share with you this is the most important, newsworthy message that I have had in years. CPI inflation keeps rising. Jerome Powell is now newly out as Fed Chair Kevin Warsh is the new guy, and he's in there at a moment where global expectations and interest rates and currencies and housing and investor psychology could all shift at once. Now, frankly, I think it would be reckless to cut rates into the fresh inflationary shock that we have from the war in Iran now, but that's exactly what some market participants are betting on, and this time, inflation is not Coming from stimulus checks and peloton bikes, like it did during covid. At this point, we have already weathered a pandemic and lockdowns and money printing and tariffs. Now it is even more we have added in a kinetic war and severe energy shocks and supply chains that are now tied into knots, the profundity of the Iran war effects are coming two time.    Keith Weinhold  14:53   GRE podcast guest, Dr, Chris Martinson and I, you know, we are not some Doomer. Spouting baseless hyperbole to get fear clicks. This month, Chris stated that he would not be surprised to see 18 to 20% inflation in the next two to three years. Yes, you heard that right. This would make the pandemic inflation spike look like a warm up act. Remember back in 2022 that's when inflation peaked at 9.1% back then, in one year, home prices exploded about 20% rents surged 15% grocery prices went to orbital and a trip to Costco suddenly felt like financing a small boat. Well, today, things are poised to get even worse. Since the start of the Iran war, we've seen the prices of jet fuel go up 70% sulfur up 60% Brent crude has spiked 52% heating oil is also up 52% since the start of the Iran war. WTI crude oil up 48% urea also up 48% diesel up 45% gasoline up 40% all of these are not obscure commodities that are sitting in a warehouse somewhere. They are the hidden ingredients inside everyday American life. Diesel moves almost everything that you buy. Urea grows the food. Oil becomes plastics, packaging, chemicals and electronics, pharmaceuticals, cosmetics, paint, asphalt and 1000s of petroleum based consumer products. I mean, effectively, this massively raises the blood pressure of the entire economy, there is still cargo that's been sitting in or around the Persian Gulf and hasn't been able to transit the Strait of Hormuz for almost three months now. That's per Reuters. Even if a permanent peace agreement were signed today, this doesn't just all magically snap back by next week, it could take more than a year to normalize shipping routes, in inventories, in refining operations and supply chains. And in fact, it is even worse than that if the new Fed chair worsh decides to jack up interest rates. See, even that would do little to fix the supply side problem, because higher rates don't produce oil, they don't reopen shipping lanes, higher rates don't unclog ports. So this is not a time to sit in excessive cash and hope that your purchasing power survives. For a lot of investors, this is the time to accumulate more productive real assets while maintaining some prudent liquidity. You've always got to maintain some the alternative is to start eating losses. When we had two big waves of inflation in the 1970s bonds were mockingly called certificates of confiscation back then, and why? It's because investors earned 5% while inflation hit 15% the people who win in inflationary eras are really three groups, owners of productive real assets, people with pricing power and strategic long term fixed rate borrowers. It is pretty rare that I draw a line in the sand to identify a major inflection point and really encourage others to act. The last time that I did that distinctly was in November of 2021 because that's when mortgage rates were 3.1% inflation was double that at 6.2% and I urged investors to borrow big, and I showed you the evidence of when I stated that in last week's newsletter. I showed you right where that was published, and at that time it sounded aggressive, but today, those borrowers are sitting on yesterday's debt while they're earning today's inflated dollars. I mean, you have profited handsomely from that while there were others that were calling for a real estate price crash back in 2021.   Keith Weinhold  19:44   Gosh, that was the biggest appreciation rate year that we've had in a long, long time. Well, today, it's another inflection point, because you and I may be about to witness the highest inflation of our lifetimes, the prudent move is not paralysis. It is positioning. It means owning more productive real assets and ideally tying them to that long term fixed interest rate debt before the window closes again. So if you've been thinking about investing, repositioning your portfolio or making a plan before inflation accelerates again, you can speak directly to an MBA with real world real estate investing experience. It's a more crucial time than usual to book a free call with a GRE investment coach, which you can do at greinvestmentcoach.com. Windows like this do not stay open forever. It is the right time to act. In my opinion, that's the big message. The war inciting high inflation and hitting the point of no return for that. And I expect those free open slots to fill up fast, book a time again at GRE investment coach.com and plot out a plan. A lot of great shows coming up here on the GRE podcast, including two weeks from now, the number one selling personal finance author of all time, Rich Dad, Poor Dad. Author Robert Kiyosaki will be back on the show with us. As for later today, it's interesting to learn about a new market that we have not discussed in depth before, especially when it's a cash flow market. It includes new build single family rentals for $145,000 and now it's really small, but it also includes granite and LVP flooring. That's next.    Keith Weinhold  20:20   I'm Keith Weinhold. You're listening to get rich education. What if you got your mortgage loans the same place I get mine. You sure can at Ridge lending group, NMLS, 42056, they provided GRE listeners with more loans than anyone. Because Ridge specializes in investment property. They'll help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat directly with President chailey Ridge while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com, let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedom family investments.com. To book a clarity call or text family to 66866, that's family. 266866,   Richard Advani  23:19   This is hem lanes, co founder, Dana Dunford, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  23:35   We have the chance to discuss a cash flowing real estate market today that isn't talked about very often with Richard, an income property provider in Oklahoma. And Richard, you have over a decade of experience working and investing in the Oklahoma market. And then you your wife and your daughter, you move there because it is a rather attractive investment climate. You've been prolific in the industry. You've spoken at hundreds of real estate events, so welcome and tell us more about yourself and really that attraction to Oklahoma.   Richard Advani  24:09   Yeah, it's great to be here and share, you know, more of what I learned as an investor the last 10 years. Yeah, it's been amazing, because when I first invested here, it was more of a diversification play for me, and I didn't expect a lot of growth, but, you know, it had good fundamentals, and boy have I been surprised, because it has grown, and the growth just continues here.   Keith Weinhold  24:30   Now, in a sense, I think about Oklahoma as a potential next place. And what I mean by a next place is that 10 to 20 years ago, Denver and Phoenix were metros that worked well for cash flow and real estate investors, but then prices ran up faster than rents in Denver and Phoenix, and they no longer work for cash flow with a 20% down payment on residential property, Oklahoma feels positioned as a next place where the numbers still work before the price. Prices get run up and this is especially true when we're still in this affordable housing crisis. And Americans kind of look for that next place where the cost of living is still low.   Richard Advani  25:10   Exactly. And if we look back to you said, the fundamental things that made Phoenix and Austin and all these places grow out of the desert was they were affordable and they were business friendly. And the median home price in the US right now is $430,000 roughly, yeah, and the median home price in Oklahoma today, even after all that growth, is a little over half of that. So it's not a new concept to understand why and where that growth here stemming from.   Keith Weinhold  25:37   since 2000 Oklahoma cities, just that city's average annual growth rate is 1.4% that is really solid for a mature interior US Metro now, it's not quite like Austin or Nashville, but you're avoiding those substantially higher Austin and Nashville prices. And for comparison, the nation's annual growth rate since 2000 is eight tenths of 1% to your point about the growth now Oklahoma, I think of it as really like a two major metro state. You've got Oklahoma City in the middle and then somewhat smaller Tulsa in the northeastern part of the state. So talk to us more about that growth.   Richard Advani  26:19   Yeah, definitely. Well, I think, you know, 20 years ago, Oklahoma is really known as an energy state and a military state, and they acknowledge that as a state that they want to reduce that dependence. So there's been a huge amount of programs driven to bring small to medium size and obviously large size businesses in at the moment, we focus primarily on Oklahoma City, but Tulsa, as you mentioned, is an hour and a half away. If you look at a map, it looks really far away, but it's not in Tulsa is really kind of the Austin of Oklahoma. There's a lot of STEM and a lot of robotics and a lot of different things going on there. Stay tuned, though, as we move into latter part of the year, we are going to start expanding our product into Tulsa as well. But I think the big thing Keith is bringing awareness to people that Oklahoma exists. We do a lot of client tours, and we look forward to touring a lot of your clients as well. But people are just blown away when they get here. It's clean, it's nice, it's family friendly. All the suburbs of Oklahoma City, for example, they're just gated communities and good school districts. And what's crazy is you could put 20% down buy a brand new home in a nine out of 10 school district in the Oklahoma City metro, we're in the below $300,000 range, and make a positive you know, you can't do that in any other metro in the US.   Keith Weinhold  27:38   Yeah, that is really attractive. So I think of Oklahoma City is a place that's not very flashy, although they do have that proposal for that giant building that I think a lot of people have read about. You know, it seems like every major city has their big, pointy thing in the middle of town. Oklahoma City might as well they have a skyscraper with a proposal, only a proposal at this stage, which would make it the tallest building in the United States, but outside of something flashy like that, I don't think of Oklahoma as a very flashy place. It doesn't make the headlines as much as a lot of other places do, but those headline making places seem to have the prices run up, and that's not so advantageous for investors. So tell us more about that investor advantage in Oklahoma, including things like the law tilting toward landlords versus tenants, and any other economic drivers.   Richard Advani  28:31   Yeah. So firstly, I'll touch on that point. It's a very, very landlord friendly state, from the month a tenant runs late, you can essentially have them out that same month, as long as a property manager company is doing their job and serving notices. But at the end of the day, if it's a matter of the tenant not paying their rent, and you've provided a household right, your HVAC is working, there's nothing negligible on the landlord side, super easy. It's an open and shut case. Now what we see because of that is, out of 250 properties under management last year, we've never had to do an eviction, because it's a lose, lose for the tenants. And they know that, right? You serve them with the notice, they are out very, very quickly. So yeah, very strong on the landlord side of things, as I mentioned earlier, a lot of growth happening in Oklahoma, like you mentioned that tallest building, in addition to that, you know, the OKC Thunder, are here, and, you know, I think they're a champion. I watched zero sports, but I have read deeply into the economic impact, and I've seen it right. I've had people come to town and we give recommendations on where to stand. They're like, Oh, I've been to Oklahoma two years ago for a thunder game, and I fell in love with the city, and it's very, very underrated. Imagine if you could have got into, you know, Austin or Dallas 10 years, 12 years, 15 years ago. And I hear it very often from people. This reminds them of what those places were like 10 years ago. And that's a great thing to hear, right, that strong fundamental and catalyst for that growth exists. Buying a single family home, as I mentioned in that A plus school district that Windows closing here in Oklahoma as well. You know, I think there's another year, year and a half, before they will pencil and will be like every other large metro in the US. So, you know, I think we're all going to look back and be like, Oh, you got in Oklahoma early. I've been in here 10 years. I think I got in early, but you know, we're still relatively early in terms of, you know, the growth trajectory, that's the head and once again, it's driven by common sense, fundamentals, affordable, business, friendly people get here, establish community, and it's a really nice place to live. I love it here.   Keith Weinhold  30:35   And because now you're a resident. Yes, you know Richard, one phrase I've shared with my audience recently, and I think it's apropos here is people say that they want an opportunity. What they really want is certainty. But as soon as certainty arrives, the opportunity is gone. I really think that's relevant here. So we've been talking about Oklahoma City, and what you do is you rehabilitate or offer new build properties to investors. Oftentimes they're out of state. You place a tenant for them, and then, if the investor so chooses, you also manage it for them. Like you mentioned, you have 250 properties under management in your portfolio. That's what you do, that's who you serve. We've talked about Oklahoma City. Tell us about some of the outlying areas, and why you choose those for investors,   Richard Advani  31:29   That's a great question. And yeah, we primarily focus on new construction, because that's what I believe in for investors as well. What's amazing is, we're kind of a, I don't say supermarket, but we're a mega market because we're in six or seven different cities within Oklahoma, which means for the investors, six or seven different strategies, right? As I mentioned already, we're in the A plus areas at the best schools. We're in commuter towns that are 20 minutes outside of the metro that are really charming. We're in military towns where we have very, very strong economies, very high rent to purchase price ratios, really some of the highest in the country for new construction. And we deliver products, starting brand new single family homes is at 145,000 and at 180 and 220 and, you know, all the way up to 550 and everything in between. So we have a product for every type of investor we have, you know, a home for every type of tenant out there as well, which, you know, makes our tours amazing, too. People leave with their head spinning, but we really have a good amount of selection and strategies within the state.   Keith Weinhold  32:35   145k for a detached single family home is pretty mind blowing to some people. I've seen those. I know the footprint of those is pretty small, but that really gives an idea of what potentially makes you attractive to work with. You have those all the way up to 550k which I think are the new build duplexes, correct mentioned there. So yeah, this is potentially attractive to people. I think a lot of us are really more interested in that ratio between the rent income and the purchase price, that valuable formula. So will you tell us more about   Richard Advani  33:11   That? Yeah, that's something that I think we really excel at, is finding that balance point between durability for the investor, but also kind of where that rent range falls off is. A lot of experienced investors know, as you go higher priced, higher end, the rent starts really falling off there. All of our builds have LVP throughout granite. You know, even that 145,000, our home is so much granite and it would blow your mind, but we're not skipping anything, right? They all have full gutters. All have central heating and air conditioning with that end end goal of making it durable. But, you know, finding that tipping point to where we're not over building for that rent, so we're able to really bring in some high cash flows for what we target, and we specialize in affordable housing. And when I say affordable, don't think cheap. Just think most builders are going to build a product we've been in a boom the last 20 years, right? So if there's 500 people in line to buy a $400,000 home where your profit margins are high, why build a $250,000 home, right? And that is where the housing shortage is, and that is what we've made our nation. Most importantly, that is where we can make cash flow as investors.   Keith Weinhold  34:20   So we're thinking about numbers on our pro forma now, Oklahoma does have tornadoes. I happen to know that tornado paths are geographically narrow. It's been estimated that they've severely damaged less than 1% of Oklahoma homes. But tell us about that, including the insurance coverage is one of our pro forma items.   Richard Advani  34:42   It's a great question, obviously, that comes up a lot. I took a video two weeks ago with tornado sirens blaring, and I'm with my wife and daughter, and mind you, my wife yells at me up until recently to get in the shelter. And we walk out front and I'm recording, and I look to the left, old couple outside looking at the sky. Look to the right, kids in the. Parents looking at the sky, and surprisingly to me, my wife was right there behind me. I'm like, why are you not in the shelter so? Long story short, tornadoes are real, right? I've lived here two and a half years now. I've never met a person affected by a tornado, yet, personally, and as you mentioned, it caused very low damage. There's very rarely fatalities. And most importantly, look, insurance rates are determined by losses suffered by that insurance company. You guys will be blown away at how inexpensive the insurance is, just for that reason, right? But, yeah, tornadoes are real. We're in tornado season now, and people ask, what do people do when the tornadoes are on? And, frankly, walk out and look up at the street, you know, at the sky. It's not like a hurricane, where they come in and mass and destroy a town. You can see the storm cell moving around right when you're looking outside. So damage is low. I've owned real estate in Oklahoma for over a decade. I've never been affected by a tornado, either. But you know, they are a thing, and they're that hot point, just like fires in California. What was earthquakes? But the important thing is, the standard insurance policy covers tornadoes, it covers hail, it covers all of that. And, you know, even on those 300,000 more a plus class properties insurance is like 1500 a year. You know, very inexpensive.   Keith Weinhold  36:15   We're talking about what I've been referring to, potentially as that next place for real estate investors. I was talking about that in house here with Naresh on how Oklahoma really feels like that next place due to some of these characteristics that I've been talking about. And Richard before, I ask you if you have any last thoughts. I have an event to tell you the listener about next Thursday night, May 28 Richard here is CO hosting a live webinar along with our GRE investment coach, Naresh, and you are invited to attend from the comfort of your own home. You'll meet Richard, learn the market, see performers of specific available properties, and you're probably going to learn something about real estate investing that you didn't know before. It's also a format where you can have any of your questions answered in real time. This can be an actionable opportunity for you again. It's Thursday, May 28 at 8pm Eastern. Sign Up it's free, you can register. It's open now at gre webinars.com. You'll meet a real pro, experienced provider there on the ground. Richard here and do you have any last thoughts, including what we can learn and see next Thursday? Richard,   Richard Advani  37:34   Just that you know, if you haven't considered Oklahoma before, take a close look at us, right? There's a lot of amazing things happening. I am boots on the ground. I started as a real estate investor, and that's kind of the foundation for our business. We really encourage tours to come out here. The market sells itself, but it's not needed. Look, we are boots on the ground. I bought dozens of properties myself, sight unseen. Technology makes things amazing for that. But come down. If you guys do have the time, we're going to share a lot more specifics next Thursday on proformas, on exact numbers and specific opportunities. And yeah, excited to share Oklahoma with all of your investors, and to bring these opportunities to you guys and appreciate the opportunity to be here.   Keith Weinhold  38:18   Is there anything that investors find surprising that they did not know about Oklahoma prior to investing there, and prior to learning about it, and before you answer yes, thank goodness that you offer tours. Any good provider should do that, although, in my experience, it's typically only five to 10% of out of state investors that actually take up somebody on the tour. You can never take that personally. That's just what happens industry wide, as we know. But is there any maybe last thing that we should know about the market, Richard, maybe something that an out of state investor is a bit surprised to learn, or that's unique to that particular market?   Richard Advani  38:58   I think the biggest thing that people are surprised about is how nice it is. I've actually had an investor bought six properties and moved to Oklahoma become a good friend of mine. Now, since he lives in Oklahoma, people are just blown away at how clean and nice and family friendly. And we hear quite often that, you know, our investors would live in these homes, so much so we had one actually do that. So yeah, it's very underrated. And I think, as you said very aptly earlier, you know, it's the next market, it could be the next big market,   Keith Weinhold  39:30   potentially that next place. If this sounds interesting to you, be sure to join Richard and our team again. It's Thursday May 28 at 8pm Eastern, and you can register at gre webinars.com. It's been valuable. Richard, it's been great having you here on the show.   Richard Advani  39:46   Thank you.   Keith Weinhold  39:52   Yeah, a rather interesting potential. Next place, if you will, for some perspective in Noelle. Normal traffic conditions from downtown Dallas, it is a three to three and a half hour drive north to Oklahoma City, but that is its own distinct market and city and capital. Oklahoma City affordable and business friendly this century. Really, it's those two drivers, affordable and business friendly, that have been the growth engines for other cities. OKC also has an expanding aerospace and tech presence in major downtown development projects, among other interesting things. At next week's live event, expect to see new build, yes, as low as 145k with LVP flooring and granite throughout, like we touched on there, one investor has even moved into the property themselves. I mean, you can do that if you want to. These are conducive to being good rental properties, but you own the property, you could live there, if you so chose. Yes all the way up to new build duplexes at 565k that generate almost $4,000 in monthly rent, though, these are the types of properties where you might want to pick up one of them, or five of them as investments leveraging the GRE duck and getting position for this likely next inflationary wave from an energy shock. I don't want to steal all the thunder from the event, but expect the provider to offer two years of free property management as well. One last time it all takes place next Thursday the 28th at 8pm Eastern. Sign Up Free at gre webinars.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  41:49   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 on 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  42:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com you.

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Keith breaks down why real wealth is built through concentration, not diversification and explains how focusing on one main vehicle—like a specific real estate strategy, business, or career niche—creates the expertise and asymmetric returns diversification can't.  He also clarifies that diversification isn't useless; it's most powerful later in life as a wealth preservation tool, not a wealth builder. Contrasting building wealth with simply earning a living, showing why specialization is the key to higher income.  Finally, he highlights the one area where diversification truly shines: your relationships and network, which provide resilience, perspective, and long-term support. Episode Page: GetRichEducation.com/605 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, is wealth built through diversification or concentration? There is one clear answer. Then, in five year age increments, how should you think about wealth building and real estate at age 2025, 3035, and so on, all lay out each one today on get rich education.   Keith Weinhold  0:26   Flock homes helps multi family owners exit the operator grind, whether it's your six Plex or a 50 unit apartment through a 721 exchange, this defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management request your initial valuation, see if your property qualifies at flock homes.com/gre, that's F, l, O, C, K, homes.com/gre,   Speaker 1  0:59   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:15   Welcome to GRE from Buffalo New York to Buffalo Wyoming and across 108 nations worldwide. I'm Keith Weinhold. You're listening to get rich education. I am back here with easy to understand language to help you learn why and how real estate has made more ordinary people wealthy than anything else, and in your personal path to wealth building, how do you think that wealth is achieved is it through diversification or concentration? Because there is a clear cut answer. There is no squishy wishy washy, a little of this and a little of that, or no major exceptions. No gray area here. And it's interesting because I have a CFA friend, that means chartered financial analyst who's really smart and really well trained, and yet he seems confused by this. We disagree on this one straight away. Do you think that you're going to build wealth if you diversify or if you concentrate? And if you're still undecided here, I'll give you a hint. I'm going to ask this integral question one last time and stress a word in this sentence for you. This could really help you out. Is wealth built through diversification or concentration? With that emphasis on built accumulated? The answer is that overwhelmingly, wealth is built through concentration, not diversification. Most people who actually create any really meaningful wealth, they didn't go sprinkle a little money everywhere. Instead, they really focused hard on one thing, whether that thing was a business or a career niche or a narrow set of high conviction investments or a specific real estate strategy, for example, single family rentals or self storage facilities or assisted living homes. And why? Well, because concentration amplifies your upside. It lets you develop expertise which gives you an edge over everybody else, and it's what turns average returns into asymmetric ones. Think about how Warren Buffett made massive gains early with concentrated bets. Or how Jeff Bezos went all in on just a few ventures, or Sarah Blakely on just a few ventures. Those that say don't put all your eggs in one basket, well, all right. I mean, you can look at the world that way, that is a diversification path. Though you're going to end up working full time until you're age 68 and you'll probably be safe and you might just have a sound retirement, but you have done so much trading away of your time in your best years for dollars. I mean, that's it. That's not a wealthy path. Your employer wants you to invest any of your extra income in a diversified way so that you're not going to build enough wealth to leave that employer early. And yes, we're back to the old Andrew Carnegie. Put all your eggs in one basket and then really watch that basket. Carnegie's concentration was in the steel industry, wealth. That's what we're talking about here, like something outstanding, extraordinary, not just a good enough retirement nest egg. Maybe real wealth is built through concentration. This is why we concentrate on one thing here on this show. Largely real estate investing, because you don't build wealth from diversification. All right now, yes, there could be a little diversification even inside residential real estate investing, say, maybe you want to get into three markets. Call it Atlanta, Indy and Kansas City. But overall, that is still concentration in residential real estate investing. And if you want to be outstanding, you have got to embrace the heterodox, meaning a departure from the Orthodox. Orthodoxy is spreading all your money around in, say, the s and p5 100 index, we're almost guaranteed then to get a pedestrian like outcome. And now look, once you've built something and you've got something to protect, which is however you've decided to build your wealth through concentration, oh, now that's when the game changes. You'll probably best protect your wealth, not build it protect what you've built through diversification that being done when you're older. And what diversification does for you is that it reduces your downside risk, it smooths volatility, and it prevents a single mistake from wiping you out. So at this stage, you're no longer trying to win big. You're just trying not to lose big. The mistake most people make is that they diversify too early, and that usually ends up leading to mediocre returns, no real expertise, and these sort of portfolios that are busy but not wealthy, it's sort of like planting 20 seeds and then not watering any of them enough.   Keith Weinhold  6:47   All right. So here's a smarter progression across your investing life. In your early stage, which is your wealth building phase, you want to concentrate your time, your energy, your capital, you want to build skill and conviction, and then you want to take calculated asymmetric bets after, say, 10 or even 20 years of that, you enter the mid stage. That's where you'll start spreading across related areas, for example, multiple property types, but still in markets that you understand. And then finally, after 10 or 20 years of this mid stage, it is later stage, which is wealth preservation only. Then is where you diversify broadly across asset classes and all sorts of geographies. And then you protect yourself against tail risks. So the bottom line is that concentration creates wealth, diversification preserves it. If you try to flip that order, you are going to stay stuck. And if you're young and you're still diversified, and you might think you're okay, and you even project that you're going to have something built up, like, say, $8 million in retirement. If you just keep this up, what you've just done is that you're making my point for me, because 8 million, that is not going to be an outstanding amount at all by the time you reach conventional retirement age, you had better flip to concentrating in something, whether it's residential real estate or data center construction or pressure washing. All right, so that was wealth building. Now, how about instead of wealth? Say that you're trying to make a living, all right, this is a different subject. Now, if you're trying to earn a living, should you diversify, or should you concentrate? How do you make a good living? Which is working at your day job? That's what we're talking about here. Now, once again, the answer is, through concentration, not diversification. We became a society of specialists by the Industrial Revolution 200 years ago, if not sooner, making a good living that comes from being valuable at something specific, not average at a whole bunch of things. One strong income engine beats five weak ones. Depth pays more than breadth. People are willing to pay you for expertise, not for dabbling around. This is whether it's a niche in real estate or a specific profession or a focused business model, you need one thing that reliably throws off good income and a little story here. I don't want this to be disparaging to Uber drivers, because I appreciate what they do and where they drive me. But I recently had an Uber driver. It happened to be in Hollywood, and this uber driver is also a stand up comedian there in West Hollywood. Well, those are two very diverse activities, driving and being a comedian, and that tells me something he's not a very successful. Stand up comedian. If you try to diversify too much, your attention gets split, your skill development slows, and your income plateaus at just okay. Now I'm fortunate enough to have had some good success at what I do, real estate investing, and then talking about real estate investing with you here, that is my specialty, my concentration. I don't mow my own lawn. A specialist does that. I don't shovel my own snow. A specialist with all the right equipment and all the expertise does that. I don't do my own accounting. Now in what feels like a previous life to me, when I used to work a day job for the Department of Transportation, and there were problems with paving a specific type of asphalt on the roads in cold weather, a specific specialist would fly out to help us troubleshoot that. He was a high paid consultant, because he is in a niche that's very tiny. So when it comes to the matter of making a living, where diversification fits is once your primary income stream is stable and predictable, well then maybe you could add a second complementary stream, and not something that's random, build redundancy so that you're not fragile. But just think of that as a backup engine. You don't want to think in terms of 10 side hustles. For an example, a real estate investor adds another market or a strategy, a w2 professional well, they had maybe one serious side income, and that's just a matey. Surely not six apps and gigs if you're out there chasing everything, then you are going to earn less. And now that I've discussed how you want to concentrate, not diversify if you want to build wealth, and you also want to concentrate not diversify if you want to make a good living, well then you might wonder, gosh, does diversification have any place in my life? Is there any life facet at all where diversification gives you an advantage? Yes, there definitely is. Do you have any idea where diversification helps you as you look at all areas of your life, because there is one clear cut place, and that is relationships. Yeah, whether it's romantic relationships, like dating a potential spouse or in the broader sense, I mean, when you met your eventual husband or wife, it's not very likely that you impress them by going deep on some nuance that has to do with asphalt paving, or how you or how you increase your cash on cash return with management efficiencies on your single family rental portfolio in Little Rock Arkansas,   Keith Weinhold  12:57   In relationships, you become attractive to people because you can say, show a soft side, or be a good listener or know how to dance a little all while you can make a good living a diversified relationship portfolio. Now for you, that might mean having close friends for fun and honesty and a professional network for opportunities and perspective, and you might have a mentor or two in your life for guidance, and then you've got family relationships for roots and support. So every one of them plays a different role, and that way, no single relationship has to carry everything and what this protects you from is having just one friendship. You don't want that, otherwise, your whole social life can collapse. It protects you from a career setback, because you'll still have emotional support. Having diverse relationships prevents you from falling into echo chambers. Instead, you're going to get better, broader thinking. So having diversification in relationships that is basically risk management for your life and in this life, facet smart diversification makes you resilient. It makes you grounded. It makes you harder to knock off course. So let's review here in relationships, diversify to build wealth, concentrate and to make a good living, concentrate. And with that said, you know, if you want to get mega, mega wealthy, like stupid rich, let's just call that a billionaire with the letter B, if you want to reach that level, then I don't think that investing in rental property is the fastest or the best way to get there, although it can give you a good start. And then what's the point of this show? The point is that real estate investing is the most proven way to build wealth when you concentrate on it. If you want enough net worth and income so that you never have to work again all while you're still young enough to enjoy it, direct investment in real estate. Hey, that's great. If you want to get up to the $10 million net worth level, or even to say, $50 million that is totally doable. And the good news is that it's almost inevitable if you apply yourself and yes, concentrate, because that's all most people want, options and freedom. Those words are often a proxy for wealth. But if you're trying to get on the Forbes list of the world's wealthiest 100 people or whatever, which is where you need to concentrate on a novel business idea. All right, you can go for that, and then your risk of failure goes up substantially. You might even reach the billionaire level. As a real estate investor, more likely the DECA or the Centa millionaire level. But there are other ways of doing that outside of real estate. Real estate investing is great if you want to get sort of regular wealthy. Maybe even say that can be as little as 15 million or 25 million plus when you're young enough to enjoy it. And you know even half or 1/3 of those levels are enough as a freedom number for most people. With all that said, when you concentrate to build wealth, you do have to pick a proven vehicle. You can't say you're going to concentrate on sports gambling or prediction markets like call sheep or polymarket. They are not proven wealth building vehicles. Most people lose money on Poly market if you've wagered your mortgage that Mr. Beast is going to be the next President of the United States, perhaps reconsider that approach. In fact, according to an analysis that Bloomberg just performed, nearly every poly market trader either loses money or they make little or no profit. More than 100,000 accounts lost $1,000 since the start of last year, and that is twice the number of accounts that made at least $1,000 in aggregate, traders lost $131 million on this prediction market over that time, the tiny number of accounts that make lots of money appear to be mostly bots. That's what Bloomberg found. And there was a separate study that found that since 2022 69% of traders lost money, while three quarters of total profits were won only by the top 1% of users. So gambling, wagering, this speculation, it is not a proven vehicle, and it's not the same as investing. The cleanest way to think about the difference is that investing means putting money into something that produces value over time. Instead, gambling means putting money at risk on an outcome that you cannot influence, usually with a negative edge. And gosh, one reason that this is on my mind is, you know how I recently shared with you that I stayed at the Bellagio in Vegas. I didn't gamble at all. And in fact, I don't even know if I'm going to stay there again. That's just not congruent with who I am. But I marveled with my mouth agape when I watched a few games at the roulette wheel. Yeah, you're allowed to watch if you're not gambling. A typical scene is that perhaps five players were wagering their chips at the roulette wheel. Now the way it works is that the casino, they often have two and sometimes three of their own staff, like uniformed employees, that are there facilitating and monitoring the roulette wheel. I mean, look right there, if the casino is paying two or three staff members to facilitate the roulette wheel, well, the player should know that the odds are tilted against them. I mean, those casino dealers make, you know, they usually just make 50 to 70k a year with tips, all right, well, so the house needs to have enough of an advantage to pay their employees that are at that table and still profit. And they sure do profit. If you don't understand the game, when you play roulette, you can basically either wager that the ball is going to land on either red or black, but two of the 38 spaces on the wheel are green. They benefit the house directly. So with every bet that a player makes, they've got 18 winning spots and 20 losing spots. This is why roulette, like most gambling schemes, is for losers. And this roulette metaphor, I mean, this is a easily intuitive example for How the house has the advantage, whether it's the DraftKings app on your phone or it's a physical in person Casino. And look, I had another Uber driver recently. Yeah, lots of Uber drivers in my life lately, as I've been traveling in Pennsylvania, New York, California and Nevada, all right, interestingly, this uber driver is a dealer at the Horseshoe Casino, which is near the center of the Las Vegas Strip. While he drove me around, he opened up and told me that he doesn't understand why anyone is a serious gambler in his life history, he divulged to me that he has never known one long term winner. That's a gambler. It's amazing that he would admit that himself as an employee there. So suffice to say, wealth is built through concentration, not diversification, and certainly not through gambling.    Keith Weinhold  20:56   How should you think of building wealth for yourself at different age profiles, 20,25,30,35, and so on. I'll discuss each age profile that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  21:13   What if you got your mortgage loans the same place I get mine. You sure can at Ridge lending group NMLS, 42056,they provided GRE listeners with more loans than anyone. Because Ridge specializes in investment property, they'll help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat directly with President chailey Ridge while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com   Keith Weinhold  21:44   Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals, every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text. Family 266, 866, that's family 268,66   Ted Sutton  22:48   Hey, it's corporate, directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  23:02   welcome back to get rich Education. I'm your host, Keith Weinhold, and you're listening to Episode 605 let's talk about some age profiles, because your life isn't random, it's staged. And if you understand the stages, I'll take it from age 20 up to age 40 or perhaps 50, because I don't have experience yet with being older than them. And then you can stop guessing and start engineering your future. Let's discuss mindset and then some tactics on how to build wealth in five year increments, largely through real estate, starting with age 20, at this stage, you're not behind you are early, though. I do know some people that have owned rental property at age 18 and 19. For the most part, your job isn't to invest yet. Your job is to build awareness and identity. Listen to shows like this one that you're listening to right now, even though you might be in college or trade school or have some employment, yes, as an employee, start thinking like an owner at this time you're installing your financial Operating System. Most people are 20 are consuming entertainment. You you're consuming direction. You're thinking, how can I set up a life where I'm not living below my means, which will always limit you? You're thinking, how can I grow my means at age 25 let's say you're out of school, you have a job and you're only making 65k per year if you're living with your parents, that means you can accumulate more liquidity. I don't like to say that you're becoming a saver, because that does not wire your mind for wealth, but that's effectively what you're doing. You're trying to amass some Liquidity, some capital formation is taking place. If you only have, say, $30,000 of cash amassed, well, then you're not ready for real estate, unless perhaps you're doing an owner occupied FHA loan in a duplex or a fourplex with a three and a half percent down payment. If you've got credit card debt. That's at 21% APR. You do want to retire that first age 25 is when you're likely to have student loan debt. The average student loan debt balance at age 25 is about 35k and the interest rate is 7% as long as your income is stable. You know, I didn't focus on paying down my student loans at age 25 I mean, why would I? Why should you I invested first? Because you might feel like having student loans slows you down, and it does, but not accumulating assets is what will keep you stuck so you're 25 when do you buy your first income producing asset? Say you've just got 20 to 30k accumulated liquid. That is still a little early to buy your first rental property, because that first property that would take all of what you had accumulated, that down payment would take it all like for an out of state turnkey property, and you've always got to stay a little liquid, but sooner than later, you have got to increase your income and own some real assets. If you accumulate instead 60k cash and the cheapest decent investment property would probably take something like a 30k down payment in closing costs right now, all right. Well, that tilts toward pulling the trigger and doing it because you've got some buffer. Now, you're still learning along the way, but you're learning really begins when you own your first property. Now, if you happen to live in an investor advantage place, oftentimes in the Midwest or south, perhaps the inland northeast, well then maybe you buy locally. But if you live in a pricey Metro at age 25 then you are probably rent vesting instead. What rent vesting means is that you're paying rent in, say, New York City, and you own property that you rent to others in, say, Chattanooga, Tennessee, that's called rent vesting. And you might pick up more than one property in your late 20s by age 30. Okay, look, this is when your cumulative better decision making really starts to show your trajectory has diverged from the herd, and it's really becoming noticeable to your peers, because your past decisions start compounding here by age 30. This is where you can benefit from modeling if you see someone like you that's doing what you want to do now, you can see yourself doing it. That's called modeling, and this is where your confidence grows. We'll say that now you're married at age 30, and you have a young child. You and your spouse make 175k together. You still have student loans, but you definitely own some real estate by now, we'll even say that you own your own home, your primary residence. By 30 you have a pretty good understanding of financing, property management and markets. By age 35 now you're investing in multiple real estate markets, and this is fueled because you've now done cash out refinances of your earlier properties into some more properties, and that means that you don't even have to use all of your own money in order to buy other properties and make down payments on them. So by age 35 your mindset has shifted from how do I buy a property over to how do I build a machine that buys properties, and this is where scale happens for you, you want to be sure to stay in your lane of competence and avoid chasing shiny objects again. Concentration over diversification by 35 it's become so apparent that you're glad that you did what you did. Other people are still doing things like working a lot of overtime and missing dinners. Maybe you do a little of that, but you don't have to do that. You're happy that you were strategic and you took the actions necessary so that your life doesn't feel like spinning on a hamster wheel like it does for everybody else, and it might still feel that way for you, too, but you are able to see a way out of that. And some people retire with real estate investing by age 35 but in this case, let's just say that you're not. Most aren't, but by now, you are getting so far ahead Of your old peers that you are definitely saying something to yourself, like, wow, indeed, capital compounds and labor doesn't this is the time in your life for this type of epiphany. Let's see where you are by age 40, and by the way, let's acknowledge that the average age of the first time homebuyer is now fully 40 in America. But by listening to this show and following the path that we help you with and engaging with our coaching and reading our newsletter, you are well ahead of this now I have a traditional financial advisor friend who says that he recently shared with me that he thinks a couple is in good shape if they have a net worth of $2 million by age 40. I don't know about that, though, if it's $2 million and a soldier in a 401 K that's locked away and it's not producing any income, that's a poor trajectory for the 40 year old couple. Sheesh, it's still a minimum of 20 more years from there until you can access 401K money, penalty, free. And, yes, there are some workarounds, but that's generally the picture. Well, instead, if you're a 40 year old couple with $2 million dollars in real assets. Oh, now you're in a substantially better position than if it were in some illiquid, conventional retirement plan. If it's in real assets. Oh, now you've got all these options. It could be producing income. You've got tax advantages that are greater than a 401, K, you might be able to access some of the equity, tax free, with a refi and plus say that your $2 million in equity is leveraging $5 million in real assets. Well, then, with 5% appreciation that alone is growing your net worth by $250,000 every single year, in addition to everything else that it's doing for you, yeah, talk about diverging from the herd. $2 million of equity in real assets crushes. Having that amount in a 401 K for you as part of a 40 year old couple, by age 45 you could very well be job optional. You could have teenage kids now, so you've got some expenses, you've been cash out, refinancing in a refi for life plan. Now your properties regularly are able to buy more properties for you, so that you aren't spending your own money on them. Instead, you're spending your own money on travel and living a better life than those others that are soullessly grinding at age 45 and yes, by the way, let's acknowledge that there would be ways for you to borrow out of a 401, k as well, but they're less forgiving than borrowing against your real assets after this period of time for you, you're getting into your late 40s, it is less about accumulation and it's more about optimization and freedom. I mean, you're soon asking, What do I want my life to look like? And you're not asking, How do I make more money? And at age 50 plus, since I really don't have much life experience here, you've probably done a number of 1031, exchanges, or you're even doing 721, exchanges, if you're substantially older than this saying that you want to retire from landlording. Now, one big lesson learned here is that early on, that focus, that concentration, is what allowed you to diverge from the herd that played small with diversification. One thing to be aware of when you're asking yourself that question, how much is enough? You're asking, how much is enough? Well, today, a five to $6 million dollar net worth that can usually generate enough income so that you don't have to work anymore. But people have a propensity to move the goalposts. It's most natural to think that you need to have twice as much as what you have now. Almost everybody inevitably thinks his way. If you've got 100k to your name, you think you've got it made. If you have 200k and if you've got 5 billion, you think you will need 10 billion. Be aware of that propensity to move the goalpost the amount that you think you need is almost always double what you have right now. And of course, in the words of the late George Foreman, the question isn't at what age I want to retire, it's at what income. Even conventional retirement planners will tell you that they just need to know two things in order. A plan for you, how much monthly income are you going to need, and how long you're going to live. And I think they've got that part right now. As you listen to those age profiles, you might have felt yourself ahead of that pace, on that pace, or behind that pace. There's a good chance that you were behind that pace, because by age 20, most people just don't adopt the abundance mentality that early. Most people drift through these decades, but if you understand the sequence, it's really this, learn, then earn, then buy, then scale and then optimize and be sure that you're living the entire time. The really good news for you is that you don't need luck. You need alignment with the stage that you're in. And if you get that right, you don't just build wealth, you build a life where money works harder than you do. Most people that try to do that get their money to work harder for them, well, that approach does not work until it's too late, but it works out for us because we ethically crowdsource other people's money to work harder than we do. To review what you've learned today. Wealth is built through concentration, not diversification. And from a young age, set up your life not to live below your means, but to grow your means. I'll talk to you again next week. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  36:42   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  37:10   The preceding program was brought to you by your home for wealth building, get rich education.com  

Five Guns West (1955) Jeff and Cheryl head out west, or maybe north, with a quintet of pardoned criminals on a mission in Five Guns West.Screenplay by R. Wright Campbell Produced and Directed by Roger Corman Starring: John Lund as Govern Sturges Dorothy Malone as Shalee Touch Conners as Hale Clinton Bob Campbell as John Morgan Candy Jonothon Haze as Wiliam "Billy" Parcell Candy Paul Birch as J. C. Haggard James Stone as Uncle MimeJack Ingram as Stephen JethroLarry Thor as Confederate Captain James B. Sikking as Union Sergeant (uncredited) A Palo Alto Production Distributed by American Releasing Corp. View the Five Guns West trailer here.Stream Five Guns West on Tubi, Plex, Prime Video, or the Roku Channel.Visit our website - https://aippod.com/ and follow the American International Podcast on Letterboxd, Instagram and Threads @aip_pod and on Facebook at facebook.com/AmericanInternationalPodcast  Get your American International Podcast merchandise at our store. Our open and close includes clips from the following films/trailers: How to Make a Monster (1958), The Brain That Wouldn't Die (1962), I Was a Teenage Werewolf (1957), High School Hellcats (1958), Beach Blanket Bingo (1965), The Wild Angels (1966), It Conquered the World (1956), The Abominable Dr. Phibes (1971), and Female Jungle (1955) 

Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   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 prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   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 you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

This week: Google's parent company Alphabet announced an incredible $110 billion in first-quarter revenue thanks, in part, to the computing needs of the AI boom. Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss the shocking earnings report and the reasons to doubt it as a sign of future growth, including the internet's ever-evolving information economy. Then, they get into Bill Ackman once again trying and failing to make a closed-end fund happen, and why he'll never be Warren Buffet. Finally they'll examine the utility of corporate merch, such as Palantir's french chore coat, and company retreats, like the Plex's disastrous Survivor-themed getaway. In the Slate Plus episode: Can you have a Tiktok and a job on Wall Street?Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

This week: Google's parent company Alphabet announced an incredible $110 billion in first-quarter revenue thanks, in part, to the computing needs of the AI boom. Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss the shocking earnings report and the reasons to doubt it as a sign of future growth, including the internet's ever-evolving information economy. Then, they get into Bill Ackman once again trying and failing to make a closed-end fund happen, and why he'll never be Warren Buffet. Finally they'll examine the utility of corporate merch, such as Palantir's french chore coat, and company retreats, like the Plex's disastrous Survivor-themed getaway. In the Slate Plus episode: Can you have a Tiktok and a job on Wall Street?Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

This week: Google's parent company Alphabet announced an incredible $110 billion in first-quarter revenue thanks, in part, to the computing needs of the AI boom. Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss the shocking earnings report and the reasons to doubt it as a sign of future growth, including the internet's ever-evolving information economy. Then, they get into Bill Ackman once again trying and failing to make a closed-end fund happen, and why he'll never be Warren Buffet. Finally they'll examine the utility of corporate merch, such as Palantir's french chore coat, and company retreats, like the Plex's disastrous Survivor-themed getaway. In the Slate Plus episode: Can you have a Tiktok and a job on Wall Street?Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

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