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

Public universities are under constant threat of budget cuts, but somehow administrators find millions to toss at extractive tech, like ChatGPT Edu. SF State professor Martha Kenney describes how administrators at the CSUs spent $17 million on a contract with OpenAI without asking students or professors if it was a good idea—subsidizing an industry built on hype and plaigiarism. - Martha Kenney and Martha Lincoln: "Let Them Eat Large Language Models: Artificial Intelligence And Austerity In The Neoliberal University" https://osf.io/preprints/socarxiv/6z5pa_v1   MIT Study https://mlq.ai/media/quarterly_decks/v0.1_State_of_AI_in_Business_2025_Report.pdf   Library of Babel Listserv https://lists.mayfirst.org/mailman/listinfo/assembly   Episode with Stop AI https://www.patreon.com/posts/end-agi-before-127632638   Martha Lincoln: "It's Time to Pull the Plug on ChatGPT at Cal State" https://www.insidehighered.com/opinion/views/2025/11/25/chatgpt-poses-risk-student-mental-health-opinion   Martha Lincoln on BlueSky https://bsky.app/profile/heavyredaction.bsky.social - Sad Francisco is produced by Toshio Meronek and edited by Tyger Ligon. Support the show and get new episodes early on Patreon: https://patreon.com/sadfrancisco   

Welcome to Ringside Reporter, the show the boxing world can't stop talking about. Tonight's episode is packed with chaos, backlash, and shockwaves hitting the sport from every direction. DAZN FIRESTORM:⚡ Ben Whittaker vs. Benjamin Gavazi — Fans ERUPT online! Is Whittaker's showboating becoming a problem? Did he cross the line? We break down why this fight sparked one of the biggest backlashes of his career. ESPN DEPORTES MELTDOWN:

Welcome to the ninety-fifth episode of Through A Glass Darkly Radio with Sean Patrick Hazlett! For this episode, we will ask whether an advanced civilization existed before humans on Earth as we explore the Silurian hypothesis. Do not miss this amazing episode! Want to create live streams like this? Check out StreamYard: https://streamyard.com/pal/5421755367... Note: As an Amazon Associate I earn from qualifying purchases. Sean Patrick Hazlett's Books -------------------------------------------------------------------------------------------------------------------------------------------------------------- Weird World War III: https://amzn.to/3rnGUI2 Weird World War IV: https://amzn.to/3rp9bhA Weird World War: China: https://amzn.to/44xMdWa Hellhold and Other Stories: https://amzn.to/42rU49c Necromancer and Other Stories: https://amzn.to/4mQXfON Hell's Well: https://amzn.to/3rAlyqS Alien Abattoir and Other Stories: https://amzn.to/3rKtoi5 Alien Abattoir and Other Stories (Audio): https://amzn.to/3Jbr89g The Post-Apocalyptic Tourist's Guide to the Mojave Desert: https://amzn.to/3ryK8bS -------------------------------------------------------------------------------------------------------------------------------------------------------------- Video Equipment & YouTube Analytics Software -------------------------------------------------------------------------------------------------------------------------------------------------------------- Bose SoundLink Around Ear Wireless Headphones II: https://amzn.to/377r1hk Elgato Green Screen: https://amzn.to/3hJhE9v Blue Yeticaster Professional Broadcast Bundle with Yeti USB Microphone, Radius III Shockmount, and Compass Boom Arm, Blue VO!CE effects, Headphone Output, Plug and Play: https://amzn.to/3hF0rOF Neewer 700W Professional Photography 24x24 inches/60x60 Centimeters Softbox with E27 Socket Light Lighting Kit: https://amzn.to/3hKo748 Sony ZV-1 Digital Camera: https://amzn.to/3Cggs70 Mudder Mic Cover Foam Microphone Windscreen, Condenser Microphone: https://amzn.to/35Ww6Is Aokeo Professional Microphone Pop Filter Mask Shield For Blue Yeti and Any Other Microphone: https://amzn.to/3sMAYsO ULANZI Creative ZV-1 Wide Angle/Macro Additional Lens 52mm Diameter Compatible with Sony ZV-1 Camera: https://amzn.to/3tzlGXB GoPro HERO10 Black: https://amzn.to/3xHApBX UBeesize 10" Selfie Ring Light with 50" Extendable Tripod Stand & Flexible Phone Holder for Live Stream/Makeup/YouTube Video: https://amzn.to/3OxUnpr 2.4GHz Wireless Lavalier Microphone System, Saramonic Blink500 B2 Dual-Channel Mic Two Transmitters for DSLR Camera, Mirrorless, and Smartphone for YouTube Facebook Live Vlogging: https://amzn.to/3Ov9srH TubeBuddy: https://www.tubebuddy.com/ThroughAGla... Guesto: https://app.guestio.com/?ref=4921 -------------------------------------------------------------------------------------------------------------------------------------------------------------- Intro: "Mark of the Doomslayer" by Karl Casey @ White Bat Audio Copyright © 2025 Through a Glass Darkly Radio with Sean Patrick Hazlett. All rights reserved.

Wherein predators lurk beneath the waves. Dark Nexus is a creation of Plug & Hum Productions. Visit us at darknexuspodcast.com. This is a horror story and may not be appropriate for anyone under 18 years of age. Visit our Content page (darknexuspodcast.com/content) for more information. Dark Nexus uses trademarks and/or copyrights owned by Paizo Inc., used under Paizo's Fan Content Policy. This podcast is not published, endorsed, or specifically approved by Paizo. For more information about Paizo Inc. and Paizo products, visit paizo.com. Music and sound by Syrinscape (syrinscape.com/?att_dark_nexus). “Because Epic Games Need Epic Sound.” Complete list of credits at tinyurl.com/3zatscbd. Opening and closing themes, along with additional music, composed by Rob Kauzlaric. All artwork for Dark Nexus is by Matt Wahlquist (tartarsaucecomics.com).

James Rebours a cofondé Klark, solution Plug&Play dédiée au Customer Care. Il lève 1,7M€ auprès de fonds il y a 2 ans et refuse une nouvelle levée fin 2024. Entouré d'une vingtaine de talents, il nous explique avec détermination sa feuille de route et nous partage ses meilleurs accomplissements. Il équipe de très grandes marques très connues et fonce avec Ambition.

Angelica Manticas from Market Forces details the environmental, social, and financial risks associated with APA Group's proposed pipelines in Australia's Northern Territory, which would enable extensive gas fracking in the Beetaloo Basin.Angelica explains Market Forces' strategies to oppose APAs' plans.Angelica is a first-generation Greek-Australian hailing from the island of Chios, Greece. She is a dedicated youth nature and climate justice advocate with a deep-rooted understanding of nature, cultivated through her heritage and a string of impressive achievements at a young age. 

L'idée est simple : réunir autour d'un dîner des personnalités de la Tech que vous connaissez, et les laisser parler librement, sans micro officiel, sans mise en scène. Juste une table, du vin, et la promesse de conversations vraies.Au menu cette fois-ci : l'Éducation. A l'heure de l'Intelligence Artificielle comment preparer nos enfants a évoluer dans un monde ou tout change a une vitesse folle.

This week on Rodes Live, Rodes sits down with Scrunch, better known as The Shoe Plug. Scrunch has the inside connect on exclusive sneaker releases and rare kicks that keep collectors laced up right. Beyond being a plug for heat on your feet, he's also an entrepreneur and longtime friend of the show, sharing game on hustle, business, and staying authentic in the culture.In this episode, Rodes and Scrunch talk about sneaker trends, the resale market, and how the love for sneakers connects to hip-hop and lifestyle. From early grails to modern drops, they cover it all with genuine conversation and laughs.

Following the Holiday theme, Wes Anderson's homely, feisty classic, Fantastic Mr. Fox is in the Time Sink: Movie Plug for this month! This year we are thankful that at least one movie exists for the Thanksgiving theme. Making of Fantastic Mr. Fox BTS Arlan's Letterboxd Review

Oh boy, it's that magical time of year when we all pretend we're super into shopping and saving money! Join me and Johnny as we dive headfirst into the chaos of Black Friday sales, where we sift through the endless deals and try to find the gems that won't end up collecting dust in your garage. Seriously, we've done the legwork so you don't have to, and we're spilling the tea on our top ten favorite finds from Amazon. Whether you're looking for a smart dimmer switch to impress your parents or a jump starter to save your car from the graveyard, we've got you covered. So grab a snack (or five) and tune in, because we're about to make your holiday shopping a whole lot easier—unless you're still considering that vacuum cleaner for your significant other. Spoiler: don't do it!Takeaways: Black Friday sales are the ultimate excuse to justify our impulse buying habits, especially for tools and home gadgets. Eric and John discovered some killer deals on Amazon, proving that procrastination pays off during holiday sales. We learned that buying gifts for family can be a minefield, especially if it involves appliances or tools – no one wants to end up in the doghouse for that! The guys shared their top Black Friday finds, including smart dimmers and jump starters that are perfect for holiday gifting, or just for self-indulgence. Eric's amusing anecdotes about messing with his kids using smart home devices left us in stitches, highlighting the absurdity of parenting. Gift cards might be the safest bet for holiday gifting, but don't be surprised if your family still expects the usual socks and gadgets! Links referenced in this episode:aroundthehouseonline.comaroundthehouseonline.comLinks to the products: 1. https://amzn.to/3LZ0bfF Lutron Diva Smart Dimmer Switch Kit for Caseta Lighting w/ Hub, Pico Remote & Pedestal, Smart Dimmer 2. https://amzn.to/4oeatG4 CRAFTSMAN V20 Cordless Drill/Driver Kit, 1/2 inch, Battery and Charger Included3. https://amzn.to/4ofKnTg CRAFTSMAN Oscillating Tool, 3-Amp, Includes Universal Tool-free Accessory System, Blades, Sandpaper and Tool Bag, Corded 4. https://amzn.to/4a9RngW Bora Portamate Speedhorse Sawhorse Pair– Two Pack, Table Stand with Folding Legs, Metal Top 5. https://amzn.to/4ijv6zh Aqara 2K Indoor Security Camera E1, Pan & Tilt, HomeKit Secure Video Indoor Camera, Two-Way Audio, Night Vision, Person Tracking, Wi-Fi 6, Plug-in CamSupports HomeKit, Alexa and IFTTT 6. https://amzn.to/4okNHwv Aqara 4MP Camera Hub G5 Pro WiFi, True Color Night Vision Security Camera Outdoor, 2.4/5Ghz WiFi, HomeKit Secure Video, Thread Border Router, Local Detection, Thread/Zigbee, Supports Alexa,Google Home7. https://amzn.to/4oVtEpjJackery Solar Generator 1000 v2 with 200W Solar Panel,1070Wh Portable Power Station LiFePO4 Battery,1500W AC/100W USB-C Output, 1Hr Fast Charge for Outdoor,Off-Grid Living,RV,Emergency ...

ECI Checkmates Mamata | 2 Moves from ECI to Plug Loopholes Has Mamata Shouting from Rooftops

What if the key to better work isn't another policy—but more play, curiosity, and humanity? In this episode, Rob visits with one of Los Angeles' up and coming young entrepreneurs, Stephen Hargett, Founder at Wrkspace, to explore how our relationship with work is rapidly evolving. They discuss how the pandemic reshaped workplace expectations, why rigid mandates fall short, and how intentional, human-centered environments can unlock creativity and productivity. Stephen shares his vision for an intelligent workplace operating system—one that blends technology with emotional intelligence to elevate the human experience and help companies deliver better work experiences for their employees. Together, they explore the power of humility in leadership, the future of co-working spaces, and the essential questions every corporate leader should be asking to build a thriving, people-first culture.Feel free to follow and engage with STEPHEN here:LinkedIn: https://www.linkedin.com/in/shargett/Website: https://wrkspace.app/We're so grateful to you, our growing audience of entrepreneurs, investors and community leaders interested in the human stories of the Entrepreneurial Thinkers behind entrepreneurial economies worldwide.As always we hope you enjoy each episode and Like, Follow, Subscribe or share with your friends. You can find our shows here, and our new Video Podcast, at “Entrepreneurial Thinkers” channel on YouTube. Plug in, relax and enjoy inspiring, educational and empowering conversations between Rob and our guests.¡Cheers y gracias!,Entrepreneurial Thinkers Team.Chapters00:00 Introduction to Entrepreneurial Thinkers04:00 The Evolution of Work: From Traditional to Flexible11:39 The Future of Work: Play Spaces and Creativity20:28 The Dichotomy of College and Work24:53 The Changing Landscape of Co-Working Spaces29:50 Workspace: The Intelligent Operating System for Workplaces32:20 Understanding User vs. Customer34:31 Nimble Solutions for Space Management36:42 The Challenge of Point Solutions39:51 The Origin Story of Workspace45:32 The Vision for Workspace's Future47:27 The Role of AI in Workspace52:01 Life Lessons from Sports and Family57:58 Key Questions for Corporate Leaders

The Montreal arts & entertainment podcast takes a break from our usual programming and invites Scott MacIver (from our other show 9ES) to talk about sports! We're a Montreal sports show now! I'll be totally up front though, about 95%[…]↓ Read the rest of this entry... The post Go Plug Yourself 325: “Sports!” appeared first on 9to5 (dot cc).

The Montreal arts & entertainment podcast takes a break from our usual programming and invites Scott MacIver (from our other show 9ES) to talk about sports! We’re a Montreal sports show now! I’ll be totally up front though, about 95%[…]↓ Read the rest of this entry... The post Go Plug Yourself 325: “Sports!” appeared first on 9to5 (dot cc).

In this special Thanksgiving episode of Relentless Healthcare Value, the focus is on gratitude and giving thanks to various contributors within the healthcare community. Host Stacey Richter extends her 'baskets of thank yous' to colleagues, mentors, and partners committed to transforming healthcare.  These baskets recognize those who maintain respectful dialogues despite small disagreements, those who collaborate and pay it forward within the community, and those who support the concept of a 'demand curve' in healthcare markets.  === LINKS ===

From 'The TK Show' (subscribe here): Tim Kawakami and the LA Times' Dylan Hernandez discuss the Rams dominant recent run -- but also that the team they might least like to see in the playoffs is the 49ers. Also, the Jonathan Kuminga questions and LeBron James' new role. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Think a million-dollar online business is out of reach? The real barrier isn’t the price—it’s everything you don’t see coming before you even sign. In this solo episode, Jaryd Krause pulls back the curtain on the part of buying a 7-figure business that almost nobody talks about—the real costs, the real timelines, the real competition, and the parts of the process that can quietly wreck your deal long before you ever get to the closing table. Most people assume a $1M acquisition is simple math:Find the business, put down the deposit, sign some papers, done. But behind every one of those deals are fees, structures, advisors, lenders, deadlines, and expectations that—if you’re not prepared—will eat your budget and your sanity alive. Here’s what Jaryd gets into:

Episode Title: Rain Sounds for Studying and FocusDescription:In this episode of Thunderstorm: Sleep and Relax in the Rain, immerse yourself in gentle rain sounds designed to boost your concentration and keep distractions at bay. Whether you're tackling a challenging project, reading, or simply need to sharpen your focus, the calming rhythm of rain creates the perfect backdrop for deep work. Let the steady patter of droplets soothe your mind and help you enter a state of productive flow.As you listen, picture yourself in a quiet forest clearing, rain lightly falling around you, washing away stress and inviting clarity. This natural soundscape supports your study sessions or work hours by providing a peaceful yet energizing atmosphere.Plug in your headphones, press play, and allow the rain to guide your focus toward your goals.DISCLAIMER

Tim and the LA Times' Dylan Hernandez discuss the Rams dominant recent run -- but also that the team they might least like to see in the playoffs is the 49ers. Also, the Jonathan Kuminga questions and LeBron James' new role. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Send us a textIn this episode, Jeremy breaks down one of the strangest ticket offers he's ever seen—a “mystery pack” that moved nearly 700 opening day tickets months before first pitch. He unpacks why fans lined up to buy something they couldn't fully see, using four key levers: price, surprise, giftability, and game-specific demand. You'll walk away with plug-and-play mystery pack ideas you can adapt for your team this season.Key Topics CoveredThe “Mystery Pack” Breakdown – How a minor league team sold 100 packs at $50 and 70 more at $40, pre-selling almost 700 opening day tickets in November.The 4 Levers That Make It Work – Price, surprise, giftability, and game-specific demand—and how each one lowers friction and boosts perceived value.The No-Brainer Floor Test – Why your base offer (even without the mystery items) has to pass a simple, “Would I buy this anyway?” sniff test.Designing Smart Surprise – How to keep the experience known and only make the extras mysterious so the offer feels fun, not risky.Turning Packs into Perfect Gifts – Structuring bundles that can go under the tree, into a stocking, or become an easy “one and done” gift for families, dads, or grandparents.Game-Specific Demand & Early Momentum – Using mystery packs to pre-sell your keystone nights (Opening Night, fireworks, theme nights, etc.) and build urgency months in advance.Ready-to-Use Mystery Pack Templates – Kids Holiday Pack, Father's Day Dad Box, Theme Night Mystery Pack, and National Ice Cream Day bundle you can copy and customize.Guardrails So It Doesn't Backfire – Avoiding junky merch, setting quantity limits, nailing fulfillment, and tracking new buyers, usage, and per caps to prove ROI.Episode Chapters & Timestamps00:00 – Introduction to the Mystery Pack Promotion01:21 – The Offer That “Shouldn't Work”… But Does07:06 – The Four Key Levers: Price, Surprise, Giftability, Game Demand13:53 – Pre-Selling Opening Night & Keystone Games19:54 – Plug-and-Play Mystery Pack Ideas You Can Steal23:37 – Guardrails, Metrics, and Final ChecklistCall to ActionTesting a mystery pack this season—holiday, Father's Day, theme night, or something wild your GM dreamed up? Jeremy wants to see it. Send your offer, pricing, and results his way, or head to SportsMarketingMachine.com to schedule a call and workshop your own mystery bundle that makes fans say, “I don't totally know what's in it, but I'd be dumb not to buy it.”Episodes Mentioned:137: Make Your Black Friday Offer So Good Fans Feel Stupid Saying No To40 - Savannah Bananas President Jared Orton Talks Social Media & Improving the Fan ExperienceSports Marketing Machine on LinkedInSports Marketing Machine on InstagramBook a call with Jeremy from Sports Marketing Machine

The AI agency trend sucked in a massive wave of people who thought they found a cheat code. Plug in a tool. Copy a script. Print money. That's the fantasy everyone is sold.But the reality is about to hit. Ninety nine percent of these agencies can't deliver real outcomes and clients are already getting burned left and right. The market is catching on fast and the whole trend is about to collapse.When the dust settles, the people left standing won't be the loudest or the flashiest. It'll be the ones who built something real while everyone else chased shortcuts.If you want to stay ahead you need to understand what's really happening.Watch here: https://youtu.be/jOgOOKz4EPcCharlie

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This episode is sponsored by ScotRail. Purchase your GroupSave ticket at a station ticket office or on the train. Visit scotrail.co.uk for moreinformation.*PATREON PRE-SALE ON WEDNESDAY FOR 02 TICKETS****MERCH & MOVIES NIGHT - WEDNESDAY 10TH DEC ***https://www.grosvenorpicturetheatre.co.uk/movie/girls-overheard-merch-movies---four-christmases/ WATCH ON PATREON https://www.patreon.com/c/GirlsOverheardWATCH OUR WEEKLY VLOG: https://youtu.be/ZcTAnO6FDCI?si=H6ZL8e8krznwl0CoSpotify: https://open.spotify.com/show/2aOtGuxPxIenVDwmUwWjOhGirls Overheard Insta: https://www.instagram.com/girlsoverheardGirls Overheard TikTok: https://www.tiktok.com/@girlsoverheard Ash: https://www.instagram.com/mamareid/Eilidh: https://www.instagram.com/eilidhwells/Lauren: https://www.instagram.com/lauren.fairbairn/FAQHow do I send a message in to you guys?The best way is to WhatsApp or message us on 07428957885! You can send us a text, a voice note or even any TikToks you want us to chat about! And don't worry, we will always keep you anonymous!How many episodes do you release every week?We put out our main episode on a Monday and our bonus episode, Confession Sessions goes out every Wednesday! This one has even more stories and juicier gossip so it's available for our Patreon Rat Pack. Join us over there and you'll get access to our forums, first access to live show tix and more! When is your next live show? Our next live show is in May 2026 - tickets will be live from 28th November 2025! Where can I find you on socials?We're on Instagram and TikTok as @girlsoverheard so come join us! Email: girlsoverheardpodcast@gmail.com

Send us a textWhat if your exhaustion isn't a personal failure, but a side effect of programs that keep your mind loud and your heart crowded? We explore a different path out of the spiral: step back from the blue screens, soften into stillness, and reconnect with the inner current that renews you from the inside out.I share a raw inventory of the many ways tired shows up—sadness, anger, emptiness—and then flip the frame. Instead of blaming “life,” we look at how constant input and groupthink shape our days, and how a simple shift in attention can restore energy. The surprising teacher here is a long warehouse shift at Amazon. With my earbuds forgotten, the beeps and hum became white noise, and in that plain soundscape I found a kind of sanctuary. No hacks, no perfect routine—just the space to breathe, notice, and let the nervous system downshift. We talk about building small, repeatable pockets of quiet that help you think clearly and feel whole.We also take an honest look at screen addiction and the cost of endless scrolling, including a powerful story from a teen whose wake-up call became a message for a whole generation. Rather than rage at tech, we map out a kinder contract with it: intentional windows of use, device-free time, and rituals that return you to nature, movement, and prayer. From there, we remember the hush of early 2020 when many rediscovered a slower rhythm—gardens, walks, real presence—and ask how to weave that peace back into today.Faith runs through the conversation in a personal, non-dogmatic way. I talk about Chi as intrinsic life energy and the choice to plug back into source—God, spirit, the living presence within—without chasing platforms or crowd approval. The payoff is practical: less reactivity, more clarity, and a steady stream of awe in small moments, from rustling leaves to the wag of a dog's tail. If you're ready to end the tired by ending the program, this is your invitation to breathe, notice, and turn the light back on.If this resonates, follow the show, share it with a friend who needs a reset, and leave a review telling me one small moment of awe you'll look for today.Support the show

Ever wondered how to scale your vertical farm without breaking the bank—or your nerves?In this episode of the Vertical Farming Podcast, I sit down with Tristan Fischer, CEO of Fisher Farms, one of the pioneers in modular farming technology. Tristan brings over 25 years of experience in clean energy and large-scale renewables, translating that expertise into creating more efficient, scalable, and cost-effective vertical farming solutions. Having navigated the challenges of building some of the largest vertical farms in the UK, Tristan is passionate about making vertical farming both accessible and sustainable—and he's got the battle-tested insights to prove it.We dive deep into Fisher Farms' journey from traditional R&D setups to their cutting-edge modular approach, using shipping containers like building blocks for truly scalable farms. Tristan shares candid stories about the risks and surprises of massive farm construction, and how clever modular design is transforming the economics and flexibility of indoor agriculture, enabling global expansion—even in places like Abu Dhabi, where energy costs are astonishingly low.Beyond technology, we explore Fisher Farms' culture of innovation, their relentless focus on driving down costs, and why Tristan believes vertical farming should move from premium niche to practical staple for feeding the world. You'll hear how the team's values—kindness, respect, factfulness, and robustness—help foster big ideas and quick pivots, and how these principles drive Fisher Farms to be the lowest-cost vertical farm in the world.If you're ready to rethink what's possible with vertical farming and discover how modularity might be the answer to your growth headaches, don't miss this episode! Click play and join us as we explore the future of feeding the world—without wrecking the planet.Ready to stop dreaming and start building a profitable, impactful vertical farm that transcends tired food system models? Click to listen and get inspired by Mary's story, strategy, and actionable insights!Thanks to Our SponsorsCEA Summit East - https://indoor.ag/cea-summit-east-2025/Indoor AgCon - https://indoor.ag/Key Takeaways00:00 Fisher Farms Expansion and Modular Approach06:01 Overcoming Scaling Challenges at Farm Two12:01 Fisher Farms Ethos and Focus on Cost Reduction18:31 Advancements in Lighting and Efficiency23:40 Competing with Glasshouses and New Market Opportunities29:54 Modular Growth in the UAE and Global Impact35:03 Plug and Play Modular Flexibility40:02 Fisher Farms Technology Certification and Branding46:08 Building an Innovative, Kind, and Robust Company Culture52:42 Closing Reflections and Future OutlookTweetable Quotes"If you have a thousand things which need to get right, I think we probably planned for about 900 of them and got them right, and then once Farm 2 got running, 50 of them were relatively quick to fix, but there were a few items which actually ended up being very, very difficult. Sometimes you had a problem hiding behind another problem.""Our view is that if we focus on really driving down cost, cost, cost, cost, then we don't have to worry about becoming a premium brand—but it gets us in the direction where we want to be, which is: how do you actually feed the world without trashing the planet at the same time?""What we want is my terrible idea and a genuinely bad idea, and your crazy, insane idea and somebody else's drug-addled idea or sleep-addled idea—whatever it is—and they're all actually genuinely bad ideas independently, but by putting those ideas together, layering those...

We go big in this episode. Really big! Today on Odd News+ we tell you the story of a man in Britain who certainly knows the meaning of the phrase "supersize me!" Plus, notes from your community calendar and a prize winning vegetable. Learn more about your ad choices. Visit megaphone.fm/adchoices

No guests this time — just Case and Jmike diving into Naomi, both the first comic volume by Brian Michael Bendis, David F. Walker, and Jamal Campbell, and the CW pilot it inspired! We unpack her origins, the themes of identity and legacy, and how this new hero fits into the Superman-adjacent universe. Support us on Patreon! https://www.patreon.com/CertainPOVMedia Men of Steel Full Episode Originally aired: November 21, 2025 Edited by Sophia Ricciardi Scored by Geoff Moonen Certain Point Of View is a podcast network brining you all sorts of nerdy goodness! From Star Wars role playing, to Disney day dreaming, to video game love, we've got the show for you! Learn more on our website: https://www.certainpov.com Join us on Discord: https://discord.gg/wcHHer4 PODCAST SHOWS: ▶ Men Of Steel - https://www.certainpov.com/men-of-steel​  FOLLOW US: ▶ Twitter: @certainpovmedia @menofsteelpod ▶ Instagram: @certainpovmedia  Outline ️ Introduction and Topic Setup (00:00 - 10:36) Discussion opens with commentary on a break-in scenario as a humorous analogy. Hosts introduce the podcast episode focused on Naomi, a comic series and its TV adaptation. Comic Book Deep Dive, Part 1 (10:38 - 20:37) Case shares his late discovery of Naomi via Superman comics. Discussion of typical Brian Michael Bendis storytelling traits and Naomi's origin story. Comic Book Deep Dive, Part 2 (20:37 - 29:58) Discussion of the comic's minimal action narrative; Naomi only fights once near the end. Critique of the pacing and suggestions for narrative recap. TV Show Critique, Part 1 (29:58 - 39:35) Hosts express strong disappointment with the Naomi TV series. Exploration of key changes from comic to show, including character depth. TV Show Critique, Part 2 (39:36 - 49:32) Further criticism of the TV show's deviation from comic lore. Exploration of Naomi's 'Mary Sue' characterization and visual production issues. TV Show Critique, Part 3 and General Reflection (49:32 - 58:53) Frustration with the show's pacing and poor adaptation of comic's style. Suggestions for animated series instead of live action. Comparative Analysis and Storytelling Challenges (58:53 - 01:08:51) Reflection on comic's pacing translating into TV episodic structure. Challenges of stretching limited content to a full season. Final Thoughts and Wrap-Up (01:08:52 - 01:19:00) Overall enjoyment of the comic despite flaws and disapproval of the TV show. Hope for future projects that better capture the comic's qualities. Closing Remarks and Promotional Segment (01:19:03 - 01:27:09) Hosts encourage listeners to read the comic and promote Patreon. Plug for Case's new podcast project Trade School.

Nelson & Glenn dive into Halloween chaos, fatherhood reality checks, and what happens when shutdown season turns Safeway into a dating strategy. From collared-shirt misunderstandings to questioning “seasonal friendships,” the episode swings between petty humor and real-life reflection the way only OS&W can.Episode HighlightsHalloween thirst gone wrongGlenn's new dad life updatesNelson's three-father upbringingShutdown dating & the big Cinnamon Toast Crunch bagAre “seasonal friendships” real?

Hang out with us inside Sync Producer Hub: https://www.syncproducerhub.com We highlight big member wins — fast placements (including a Love After Lockup sync), TuneEdge acceptances, a global car campaign pitch, and stories about patience, spam-folder discoveries and reopening closed doors with smart follow‑ups. The episode weaves real community stories with the planting‑seeds metaphor about long‑term sync success. Practical takeaways include pitching tips (focused 5‑track playlists), pricing advice for podcast themes and scoring (flat fees vs. per‑minute), setting revision limits, submission strategies, PRO registration reminders, and community resources like the Sync Producer Hub and curated Spotify playlist. Tune in for Q&A, music feedback and actionable sync guidance.

Ever wonder why smart people fall for (mis) or disinformation—and why it's so hard to change someone's mind? In this episode, Rob visits with Matthew Facciani, accomplished researcher, Author, podcaster and as Rob calls him, the “Bill Nye the Science Guy” of Social Sciences. They dig into how identity, emotion, and social media collide to shape what we believe. They unpack the rise of polarization, the role of empathy in bridging divides, and how AI is changing our information game. Matthew offers insights on how critical thinking and self-awareness can help us see through the noise and rethink how we engage with the world online and in real life.Feel free to follow and engage with MATTHEW here:LinkedIn: https://www.linkedin.com/in/matthewfacciani/Instagram: https://www.instagram.com/matthewfacciani/?hl=enFacebook: https://www.facebook.com/MatthewFacciani/Website: https://www.matthewfacciani.com/We're so grateful to you, our growing audience of entrepreneurs, investors and community leaders interested in the human stories of the Entrepreneurial Thinkers behind entrepreneurial economies worldwide.As always we hope you enjoy each episode and Like, Follow, Subscribe or share with your friends. You can find our shows here, and our new Video Podcast, at “Entrepreneurial Thinkers” channel on YouTube. Plug in, relax and enjoy inspiring, educational and empowering conversations between Rob and our guests.¡Cheers y gracias!,Entrepreneurial Thinkers Team.Chapters00:00 Introduction to the Conversation03:41 Understanding Beliefs and Identity08:05 The Evolution of Political Polarization15:21 Factors Contributing to Misinformation18:24 The Breakdown of Shared Truths25:03 The Role of Experts in Modern Discourse29:41 Building Trust in Communication30:37 The Art of Critical Ignoring38:51 Understanding Misinformation vs. Disinformation46:39 The Role of Identity in Belief Formation53:50 The Complexity of Identity and Connection56:16 Empathy and Intergroup Contact58:58 The Role of Third Spaces in Society01:01:01 The Power of Social Media in Science Communication01:06:43 AI's Impact on Misinformation01:11:57 Practical Steps to Combat Misinformation

You ever feel like rich people know something you don't? Apparently, my producer does, because he searched TikTok for “what rich people know.” And I guess he liked what he saw, because now he'smaking me react to what he found. So, let's get to it!    Next Steps: •

Simply put, today's guests have been on a run for the ages. Ever since their debut album in 2013's Race Music, Armand Hammer, NY-based duo of E L U C I D and billy woods, have been on an absolute tear. With every passing release, their chemistry has gotten tighter, and their artistic scope has expanded. In 2021, the duo elevated to another level of critical and commercial success, teaming up with The legendary Alchemist for Haram - an album that has elevated the stock of woods and E L U C I D, with no sign of letting up. Next, they delivered the amazing We Buy Diabetic Test Strips in 2023, and incredible solo records in '24 and '25 respectively. Now in 2025, they joined forces with The Alchemist once again, with their latest album Mercy. In this episode, we discuss the lean, scaled-back creative approach to Mercy, the key themes that emerged, Al's superpowers as a producer, and much more. The Plug (0:49). The Interview (2:17). The cover art for “Super Nintendo” (2:45). The genesis of Mercy (4:35). The recording process of Mercy (10:08). The unspoken creative chemistry of Armand Hammer (17:00). The thematic direction and symbolism of Mercy (23:17). The emotional tension of Mercy (35:40). Breaking down woods' verse on “Laraaji” (37:47). The sonic design of Mercy (44:30). The Alchemist's superpowers (49:45). How Al tailors his sound for Armand Hammer (58:10). The feature choices on Mercy (1:01:24). Key future milestones for Armand Hammer - patron q from Robert Rau (1:04:52). Upcoming projects / tour dates / merch (1:09:49). Buy Mercy here: https://backwoodzstudioz.com/collections/armand-hammer-the-alchemist-mercy  Follow Armand Hammer on Twitter here: https://x.com/ArmandHammerNYC  Follow Armand Hammer on Instagram here: https://www.instagram.com/armandhammernyc/  Edited by: Alyssa Rodriguez Intro/Outro beat by: BLOODBLIXING -- Fiending for some more quality rap content? Visit the RMPP website: https://rmpp.squarespace.com/ Want to support and help us grow? Become a RMPP Patron, and gain access to exclusive content: https://www.patreon.com/therapmusicplugpodcast  Looking to connect? DM me @rapmusicplugpod on Twitter and Instagram, or shoot me an email at qlctv.podcast@gmail.com

Today, on Crime & Entertainment, we have Aden Leonard. Aside from being the man behind the Never Broken Podcast, he has quite a story himself. What started out as doctor shopping quickly spread to full blown addiction. Aden slipped into a dark place taht many can never come back from. However, through it all he never broke. He climbed out of the hole and is putting his life back in order. This episode is a can't miss for sure given the message. Follow Aden here: YouTube -    / @theneverbrokenpodcast  Links to Crime & EntertainmentLike us on Facebook -    / crimeandentertainment  Follow us on IG -   / crimenentertainment    Listen on Spotify - https://open.spotify.com/show/4T67Bs5...Listen on Apple Music - https://podcasts.apple.com/us/podcast...Listen on Stitcher - https://www.stitcher.com/show/crime-e...Listen on Google Podcast - https://podcasts.google.com/feed/aHR0...Listen on Amazon Music - https://music.amazon.com/podcasts/9cd...Transcript

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We're continuing my conversation with Karima Hakim on this episode, talking about the evolution of the private sector in Egypt and Africa, and her work specifically with Plug & Play. You can also catch the first part my conversation with Karima in your podcast app or on YouTube: https://www.youtube.com/watch?v=uwjEtGnYxRs&feature=youtu.be This episode is brought to you by EFG Hermes One, your one app for investing in more than 35 stock markets worldwide. ⁠Start investing today⁠: https://app.efghermesone.com/ Chapters 0:00 Introduction 0:45 The Private Sector Evolution 11:39 Women Supporting Women 16:23 Leadership in a Changing World 19:55 Karima's work with Plug and Play 26:48 Addressing the Forum for President Macron Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode Title: Rain and Thunderstorm Sounds for Peaceful NightsDescription:Welcome to a soothing night with "Thunderstorm: Sleep and Relax in the Rain." In this episode, immerse yourself in the calming sounds of gentle rain and distant thunder, designed to help you drift into a peaceful sleep. Let the rhythmic patter of raindrops and the deep roll of thunder wash away your stress and quiet your mind.Imagine yourself nestled in a cozy shelter as the storm softly embraces the night, bringing a sense of calm and safety. Whether you're winding down after a busy day or seeking a natural aid to restful sleep, these authentic rain and thunder sounds will guide you to relaxation and tranquility.Plug in your headphones, close your eyes, and let the comforting storm carry you into serene dreams.=======DISCLAIMER

Direct connect isn't about researching or second opinions. It's about going to the source. Plug into God for yourself - open the Word, study it, live it, and watch your connection with Him come alive.