Podcasts about prime

Scott's story has made the big screen, and today he's sharing it with us.  Scott is the father behind the hit movie The Unbreakable Boy, which is a story about navigating life with a son who has autism. If you haven't seen it yet, I highly recommend it!   Scott talks about receiving criticism, life with his son Austin, and following your dreams! (You know you can do that, right?!?) Class is in session. Let's get curious! . . . . . Stream The Unbreakable Boy today on AppleTV+ and Prime. . . . . . Have a secretly extraordinary life? Apply to be a guest on my podcast in 2025 here: https://forms.gle/Z13WGj63oEfgmtjJ9 . . . . . Order your copy of my new book Reconnected HERE: ReconnectedBook.com  Let's keep in touch! Sign up for my newsletter to be the first to hear ALL my updates. https://app.e2ma.net/app2/audience/signup/1987227/1965424/ Interested in advertising with us? Reach out here. Book me to speak HERE: https://www.carloswhittaker.com/events  . . . . . SHOPIFY: Go to shopify.com/CARLOS to take your business to the next level today. HIYA HEALTH: Receive 50% off your first order at hiyahealth.com/HUMANHOPE DOSE: Go to dosedaily.co/CARLOS and get 30% off your first month's subscription! FUNCTION: Join now! The first 1000 get a $100 credit toward their membership. Visit www.functionhealth.com/CARLOSW to own your health. Learn more about your ad choices. Visit megaphone.fm/adchoices

Prime for 2025-05-21. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

This week, we're chatting with The Drive's Kyle Cheromcha (@kylecheromcha) about Jaguar's next rebrand, Apple CarPlay's newest all-encompassing UI and why US Auto Execs say you will be driving a Chinese EV soon. Plus, Nissan's massive new round of layoffs and an EV truck startup that's in Hell. Thanks to Allstate for sponsoring today's episode! Click here [https://bit.ly/43qZEcG] to check Allstate first and see how much you could save on car insurance.Thanks to NASCAR for sponsoring today's episode! Don't miss the Coca-Cola 600 at Charlotte Motor Speedway on Sunday, May 25th—tap the link to tune in on Prime! bit.ly/NASCAR_CHARLOTTE_COCACOLA600 This episode is also brought to you by Chubbies. Your new wardrobe awaits! Get 20% off @chubbies with the code bigthree at https://www.chubbiesshorts.com/bigthree #chubbiespod @sponsored  Learn more about your ad choices. Visit podcastchoices.com/adchoices

05-20-25 - Hot Releases - Motorheads Prime - Earnhardt Doc - Nine Perfect Strangers S2 - Sirens - Fall Of Favre - Sneaky Links Dating Show - Pee Wee As Himself - Billy Idol/Avril Lavigne - Carburetors - Volbeat - John 5See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

NOTE: For Ad-Free Episodes, 100+hrs of Bonus Content and More - Visit our Patreon at https://www.patreon.com/thewheelweavespodcastFind us on our Instagram, Twitter, YouTube & Website, and join the conversation on Discord!In this episode Dani and Brett discuss Chapter 48 and Chapter 49 (Part 2 of 2) of Towers of Midnight!We would like to thank and welcome Chris Hicks and GrumpyGrizz to The Wheel Weaves Patreon Team! Thank you so much for your support!!We would like to acknowledge and thank our Executive Producers Brandy and Aaron Kirkwood, Sean McGuire, Janes, LightBlindedFool, Green Man, Margaret, Big C, Bennett Williamson, Hannah Green, Noralia, Geof Searles, Erik Reed, Greysin Ishara, Ashlee Bradley, Helena Jacobsen, Matthew Mendoza, Cyndi, and Daniel Moore!The Wheel Weaves is hosted and edited by Dani and Brett, produced by Dani and Brett with Passionsocks, Cody Fouts, Benjamin, Jamie Young, Magen, Jared Berg, Rikky Morrisette, Adam, Mozyme, Michelle Forbes, MKM, Antoine Benoit, Lawrence Bradley, Colby T, Gabby Young, Ricat, Zane Sciacca, Matrix, Matt Truss, The Albatross, Bratimus Prime, Sarah Creech, Saverio Bartolini, Sims, Chris G., and Mag621; with music by Audionautix.Check out our partner - the Spoiler-Free Wiki - Spliki.com - Your main first time reader, Spoiler-Free WoT information source!Don't forget to leave us that 5 star review if you enjoy the show for a chance to win exclusive merchandise!Check out https://www.thewheelweavespodcast.com for everything The Wheel Weaves!Become a supporter of this podcast: https://www.spreaker.com/podcast/the-wheel-weaves-podcast-a-wheel-of-time-podcast--5482260/support.

Prime for 2025-05-20. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Join our community of RE investors on Skool here: https://www.skool.com/the-real-estate-investing-club-5101/about?ref=44459ba83f5540f19109c8a530db4023FROM CALL CENTERS TO CASH FLOWIn this eye-opening episode of The Real Estate Investing Club, I sit down with Dave Codrea, co-founder of Greenleaf Capital Partners, who reveals an innovative investment strategy that perfectly captures today's changing commercial landscape: repurposing vacant call centers into thriving multi-tenant business spaces.

This week, we discuss one of the top films of 2024, “Conclave” available on Prime (1:00) Hidden Gems (41:55): Matriarch by Tina Knowles Forever (Netflix) Great Big Beautiful Life by Emily Henry We are available on all podcasting platforms, but please follow, rate. and review us on Apple Podcasts and Spotify apps. We greatly appreciate your support! Follow us on social media: IG: @recappinpodcast FB: reCappin' with Delora and Ashley Contact us: Email: recappinpodcast@gmail.com

ALBERTA - A two-part series. One Sunday in Medicine Hat, AB, a little boy peered through the window of a neighbour's home and discovered a scene so horrific it would shock even seasoned police officers. As a frantic search began for a missing 12-year-old girl, the case took an even darker turn.* Additional content warning: this episode includes the death of a child. Please take care when listening.The intention of this series is to take a look back at a shocking crime sensationalized through headlines and explore how it impacted the community. Some names have been changed to respect the privacy of those involved.Part 2 of this series will be released to everyone in a week.Look out for early, ad-free release on CTC premium feeds: available on Amazon Music (included with Prime), Apple Podcasts, Patreon and Supercast.Canadian True Crime donates monthly to help those facing injustice.This month we have donated to the Calgary Homicide Support Society.Full list of resources, information sources, credits and music credits:See the page for this episode at www.canadiantruecrime.ca/episodes Hosted on Acast. See acast.com/privacy for more information.

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   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, who 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  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 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 Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

We're back on the wellness beat with Nicole Kidman in Nine Perfect Strangers season 2 on Prime (1:16:15), Facing off against a machine with chess wizard Gary Kasparov in Rematch on Disney+ (1:26:03), and re-examining the Lockerbie disaster with The Bombing Of Pan Am 103 on BBC1 (1:06:32). Plus Rian Johnson drops by to discuss Poker Face (36:44-53:00) and we even manage to slip some Star Wars questions in there as well. (Episode 337)Note: time stamps are approximate as the ads throw them out, so are only meant as a guide. If you want to avoid this and would like the podcast entirely ad-free (as well as 17 hours early, with a second weekly show and spoiler specials) then sign up to Pilot+!

Prime for 2025-05-19. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Ep 183: Things are looking serious as the barbarian faces a difficult loss, and the party is still split. The battle has turned into a full-blown route, but the enemy is still dangerous, and its leader nowhere to be seen. What will happen next? Listen now to find out! ----- Our spot for Battlebards uses music from Battlebards! We hope you like our use of: Capital City - Middlegate - Score Music by Shams Ahsan We're glad you're sharing our story; we really appreciate your support and hope you enjoy what we've created together. We're having fun sharing our adventure with you each week, and we'll only get better with time! If you like what you hear, please take the time to leave us a review on iTunes, since that bumps us up in the ratings and lets others join in the fun. For quick updates on a more real-time basis, follow us on Twitter (@stackodice) and on Instagram (@stackodice), where we'd love to hear from you. Or if you want to share a question or idea with us, drop us a line at stack.o.dice@gmail.com. Also, if you aren't on our Discord server yet, you should be! Check it out here: https://discord.com/invite/sUUJp78r3E Finally, we now have a Ko-fi page! If you wish to support our show with a little money, you can do that today. Please know that we'll use anything you contribute to improve the show. ----- We used some Creative Commons sound effects and music in this show. For the sake of attribution, we list them here. The following were taken from freesound.org, a fantastic resource for completely free sound effects. Sound effects that fall under the Attribution license: Crowd Cheering - Strong Cheering and Soft Rhythmic Cheering.wav is a copyright of GregorQuendel Sound effects that fall under the Attribution Noncommercial license: Football-crowd-Cheer+Jeers.wav is a copyright of paulw2k We also used some excellent Battlebards sound effects. If you like what you hear, check them out at battlebards.com. If you sign up for a Prime account, be sure to use our special code, stack, and you'll get a 20% discount on your subscription. Here are the sound effects we used in this episode: Dark Elf City - Black Towers of the Spider Queen - Score Music, by Marc Cholette Ancient Chamber - Waking the Guardian - Score Music, by Brian Gair Weather - Medium Wind, by Olivier Girardot Large City - City of Trade in Day, by Olivier Girardot Crypts of the Undead - Restless Souls - Score Music, by Phil Archer And now, on with the show-- we're excited to tell a story with you.

Today's episode delves into the challenges faced by entrepreneurs on their journey to success. Our guest shares their valuable insights, drawing from their diverse educational background and experiences. Discover how they tackled the hurdles of not winning contracts and the importance of seeking debriefs for growth and improvement. Join us as we explore the significance of education, both formal and self-taught, in shaping an entrepreneur's mindset. Learn about the early stages of financing projects and the strategies employed to manage low overhead costs. In this candid conversation, gain practical tips on leveraging past experiences as your own past performance when starting out. Our guest's unique journey of transitioning from a subcontractor to a prime contractor will inspire aspiring entrepreneurs. Tune in to The Daily Windup and hear how creative financing, prudent financial management, and prioritizing staff can propel your business towards success. Don't miss this enriching episode!

Prime for 2025-05-18. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Play NowThe Seibertron Twincast / Podcast starts episode 375 with a look at some of the initial toy offerings from Takara Tomy's Wild King line, presented through the lens of an anecdotal story about the host's weekly trash pickup. Teasers for another upcoming Transformers and Evangelion crossover toy release lead in thematically to several of the toys shown off at this year's Shizuoka Hobby Show, including collaborations with Macross, Zoids and Diaclone among the non-crossover releases like MPG Hauler and AMT Predaking. Several on-the-spot questions are posed to the cast related to their personal experiences and collections before the episode wraps up with the recurring "Bragging Rights" segment, where the cast shares their most recent Transformers toy and product acquisitions.

L'élection de Donald Trump est « un point de bascule dont nous commençons tout juste à prendre la mesure », écrit Anne-Lorraine Bujon, dans le numéro de mai de la revue ESPRIT, dont elle est la directrice. Comme chaque mois, elle est l'invitée de Pierre-Edouard Deldique. Ce dossier s'intitule : « La force sans le droit ».Il a été conçu par Anne-Lorraine Bujon et par le magistrat Antoine Garapon qui fut notamment juge des enfants. En introduction, tous les deux soulignent l'importance de la nouvelle époque dans laquelle nous sommes entrés. « Qu'un pouvoir démocratique – et pas n'importe lequel ! – fasse du droit et des juges ses principales cibles en prétendant ouvrir une nouvelle ère post-libérale, voilà qui mérite qu'on y regarde de plus près ».Tout au long de l'émission, les différents articles du dossier sont évoqués, celui de François Ost par exemple qui explique que « tout le monde comprend que le second mandat de Trump traduit l'inféodation du droit à la politique, elle-même guidée par l'économie sur fond de technologies avancées (Elon Musk derrière ou devant Trump ? », le tout assaisonné d'une bonne dose de narcissisme vengeur ».La revue revient aussi sur le contexte de l'élection ; la démocratie, la mondialisation, l'Europe, le poids de la Chine car au-delà de Donald Trump c'est le monde qui change d'époque.Fini l'ordre de 1945, fini la « mondialisation heureuse » une nouvelle époque est née qui, plus que jamais, sera dominée par les rapports de force avec en outre une singularité : la toute puissance du numérique et de l'intelligence artificielle.De tout cela, il est question dans ce numéro d'IDÉES. Revue ESPRITDossier : La force sans le droitNuméro de mai 2025www.esprit.presse Programmation musicale :- Jeff Mills Powerland- Brad Mehldau & Mark Giuliana You can't go back now.

L'élection de Donald Trump est « un point de bascule dont nous commençons tout juste à prendre la mesure », écrit Anne-Lorraine Bujon, dans le numéro de mai de la revue ESPRIT, dont elle est la directrice. Comme chaque mois, elle est l'invitée de Pierre-Edouard Deldique. Ce dossier s'intitule : « La force sans le droit ».Il a été conçu par Anne-Lorraine Bujon et par le magistrat Antoine Garapon qui fut notamment juge des enfants. En introduction, tous les deux soulignent l'importance de la nouvelle époque dans laquelle nous sommes entrés. « Qu'un pouvoir démocratique – et pas n'importe lequel ! – fasse du droit et des juges ses principales cibles en prétendant ouvrir une nouvelle ère post-libérale, voilà qui mérite qu'on y regarde de plus près ».Tout au long de l'émission, les différents articles du dossier sont évoqués, celui de François Ost par exemple qui explique que « tout le monde comprend que le second mandat de Trump traduit l'inféodation du droit à la politique, elle-même guidée par l'économie sur fond de technologies avancées (Elon Musk derrière ou devant Trump ? », le tout assaisonné d'une bonne dose de narcissisme vengeur ».La revue revient aussi sur le contexte de l'élection ; la démocratie, la mondialisation, l'Europe, le poids de la Chine car au-delà de Donald Trump c'est le monde qui change d'époque.Fini l'ordre de 1945, fini la « mondialisation heureuse » une nouvelle époque est née qui, plus que jamais, sera dominée par les rapports de force avec en outre une singularité : la toute puissance du numérique et de l'intelligence artificielle.De tout cela, il est question dans ce numéro d'IDÉES. Revue ESPRITDossier : La force sans le droitNuméro de mai 2025www.esprit.presse Programmation musicale :- Jeff Mills Powerland- Brad Mehldau & Mark Giuliana You can't go back now.

Prime for 2025-05-17. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

El programa semanal de mundoplus.tv donde hablamos de las plataformas de streaming, televisión de pago y todo lo parecido. En el nuevo formato intercalamos rumores, consultas y divagaciones entre las noticias así que para no perderte nada recomendamos ver el programa entero, pero así como destacados en el programa de hoy: 0:00:00 - Inicio, Presentación, Comentarios y Preguntas del Chat - Movistar Plus+ consigue el mayor aumento de abonados en 3 años - Disney+ baja de precio para clientes de Movistar Plus+ - Netflix alcanza 94 millones de usuarios con anuncios y lanza su propia plataforma publicitaria - La NBA llega a Prime Video en España - Warner Bros. Discovery recupera la marca HBO Max para su plataforma de streaming - Estos son los cuatro canales que acaba de añadir Orange TV Libre - SkyShowtime lanza una promoción del 40% - LaLiga adjudica a Dazn el partido en abierto durante las dos próximas temporadas - Más noticias en mundoplus.tv - Divagaciones varias, conclusiones y despedida FIN Este programa se graba en directo todos los Jueves a las 21H en nuestros canales de Twitch y YouTube [ / mundoplustv ]( / mundoplustv ) y [ / @mundoplustv ]( / @mundoplustv ) anímate a participar en el directo.

On this week's episode of Rubbin' is Racing, Large gets a chance to sit down with Dale Jr. and Kelley Earnhardt Miller to discuss the upcoming Earnhardt documentary on Prime. Things get raw and Large gets valuable insight as to what it was like to be raised by such an iconic racing figure, how it wasn't always sunshine and roses, and the tremendous grief of losing a parent on a public stage. In addition to the interview, Spider, Large, and crew go 4-wide to recap Kansas and preview All-Star weekend as Spider is in Miami dog sitting for Dave Portnoy. Thanks for listening!

Does being too empathetic make men see you as pathetic? Could there be a pattern of your behaviour that predatory men are drawn to? Are you prepared for a world where the men you're dating are leaning closer towards red pill ideologies? In this episode, join Chidera as she raises the alarm on how close the predator is in proximity to all of us! Join my ⁠patreon⁠ for access to more revealing episodes, a 65-page guide on whether to keep or leave that guy, as well as answering your dilemma questions! Get my latest book ⁠POCKET POWER FROM THE SLUMFLOWER⁠  Learn more about your ad choices. Visit megaphone.fm/adchoices

Prime for 2025-05-16. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

The roar of battle isn't without its moments of respite. We find our favorite dragonborn as he contemplates the action and draws some developmental inspiration from the chaos. Listen now to find out what Thump picks up at level 18! ----- Our spot for Battlebards uses music from Battlebards! We hope you like our use of: Capital City - Middlegate - Score Music by Shams Ahsan We're glad you're sharing our story; we really appreciate your support and hope you enjoy what we've created together. We're having fun sharing our adventure with you each week, and we'll only get better with time! If you like what you hear, please take the time to leave us a review on iTunes, since that bumps us up in the ratings and lets others join in the fun. For quick updates on a more real-time basis, follow us on Twitter (@stackodice) and on Instagram (@stackodice), where we'd love to hear from you. Or if you want to share a question or idea with us, drop us a line at stack.o.dice@gmail.com. Also, if you aren't on our Discord server yet, you should be! Check it out here: https://discord.com/invite/sUUJp78r3E Finally, visit our Ko-fi page to support our show monetarily. Please know that we'll use anything you contribute to improve the show. ----- We often use Creative Commons sound effects and music in this show, although not in this episode. Be sure to check out freesound.org, a fantastic resource for completely free sound effects. We also used some excellent Battlebards sound effects. If you like what you hear, check them out at battlebards.com. If you sign up for a Prime account, be sure to use our special code, stack, and you'll get a 20% discount on your subscription. Here are the sound effects we used in this episode: Celtic Battle, by Wes Otis Dragon - Growl 1, by Wes Otis And now, on with the show-- we're excited to tell a story with you.

We got a live one here, folks! Matt and Corbin talk about 'Zodiac,' David Fincher's digital cinema landmark that also happens to be one of the best movies of the aughts. Topics include: slip sliding into the place where no knowledge can validate you and the terror that remains, Fincher's San Fran past, ILM, a smoking fetus, digital's capacity to enable control freaks in directors chairs and executive's offices alike, and Matt's buckwild thesis on how the Zodiac killer is digital cinema.  Corbin recommends this game. Matt recommends the second section of the second season Andor, which you can watch on Disney+.  Next Week's episode is about 'Before the Devil Knows You're Dead," which you can watch on Prime, if you're into that kind of thing. 

Comme chaque année, on fait le tour des séries françaises ! Il y a des choses pas mal qui se sont profilées.00:00 : Intro 00:52 : quelques news so TV (Royal Pains, You et Heartstopper)04:05 : Delphine Ernotte : France TV, son avenir, nos séries.06:20 : les séries françaises, toujours la même chose ?12:12 : La Rebelle : la jeunesse de George Sand (sur France 2)23:10 : 37 secondes (sur ARTE)29:45 : Le Sens des Choses (sur MAX)36:42 : Clean (sur M6+)38:30 : Cette nuit-là (sur France 2)42:50 : Anaon (sur Prime) et Flashback (sur TF1)43:40 : Cimetière Indien (sur Canal+)49:35 : Les recos des Causeurs (Dear You sur Prime, étoile sur Prime et Doctor Who sur Disney+)

Amazon just dropped a major update to Seller Fulfilled Prime—and it's going to impact every seller using a 3PL or fulfilling Prime orders from their own warehouse. Starting June 29, 2025, new rules are going into effect that will tighten trial requirements, enforce order minimums, and introduce new performance protections and penalties.   In this episode, I break down exactly what's changing and how to stay eligible without risking your Prime badge. I also share behind-the-scenes updates from my own business, including:   A liquidation project I'm running for a wholesale client Exciting progress with all five of my Black Panther done-for-you clients now that tariffs have dropped And how one of my Weavos clients has already hit $853 in sales halfway through May—outpacing all of April for this revival project   Plus, I explain how Amazon's new OTDR protection works using Shipping Settings Automation and Buy Shipping—and why that combo might be your best defense against Prime suspension.   Want help figuring out if SFP is worth it for your brand—or how to stay compliant with the new rules?  

Prime for 2025-05-15. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

If you're a wine aficionado, this is the episode for you! As the General Manager at one of Omaha's classic steakhouses, Andrew has a great depth of knowledge about wine, and he shares about sommelier tests, how to pair wine and food, and more. Plus, we talk about what it's like to work for a chain restaurant and how he was involved in the design process of Omaha's new Mahogany location.

Justin Melo⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠Justin Graver⁠⁠⁠⁠⁠⁠⁠⁠ are back to react to the full and official 2025 schedule for the Tennessee Titans! Prime time games, the BYE week, an absurd home stretch, the schedule release video, and MORE! 0:00 Intro 2:43 Zero Primetime Games 9:12 Week 10 BYE 10:42 I'll Drink To That 14:25 Week 1 at Denver 20:23 Rapid Fire Thoughts 28:08 Wrap Up ------------ The Music City Audible is presented by Sinker's Beverages in East Nashville and Bluegrass Beverages in Hendersonville. Join the Sinker's Beverages In Crowd: https://sinkers.storebyweb.com/s/1000-1/register ------------ Order Justin Melo's book "Titans of the South" here: https://shop.adventurewithkeen.com/product/titans-of-the-south/ ------------ MCA YOUTUBE CHANNEL: youtube.com/@musiccityaudiblepodcast

Dayton Black Women's Film Festival is Here!! https://www.daytonbwff.org/ This week on reCappin, we discuss the Delphi (Creed) series coming to Amazon, Usher and Simone Biles' honorary degrees, Tory Lanez's stabbing, and the First American Pope (01:00). In Hot Topics, we discuss Halle Bailey's restraining order against her ex-boyfriend; and Cassie's testimony at Diddy's Trial (27:07).   Stay tuned for our next episode! We recap the 2024 Best Picture Nominee “Conclave” available on Prime.  We are available on all podcasting platforms, but please follow, rate, and review us on Apple Podcasts and Spotify apps. We greatly appreciate the support! Follow us on social media: IG: @recappinpodcast Twitter: @recappinpodcast FB: ReCappin' with Delora and Ashley Contact us: Email: recappinpodcast@gmail.com  

Jake and Jay chat about the stage show that transitioned Ultra Q to Ultraman, The Birth of Ultraman! It really is a wacky story!Also, there's a ton of kaiju and Godzilla toy and sofubi news, with releases coming out of Hobby Round 32 and Super Festival 91. Marusan, Max Toy Japan, Enka Vinyl, Shima-X, M1, and more really had amazing showings at the events - but brands such as Acro and Prime 1 Studio showed that you didn't need to be at one of the big festivals to have a big toy release!And, as always...pickups!

Raiders Schedule REVEALED, Derek Carr RETIRES, and Geno Smith Deep Dive 0:00 – Ice cream lies and fat guy logic 1:51 – Perfect timing for Raiders schedule release 2:34 – Raiders 2025 schedule reaction: what stands out? 4:45 – Prime time games & travel breakdown 6:12 – Games we want to go to & Eagles fan chaos 7:14 – Week 1 disrespect vs. Patriots 8:16 – Dream start: Bowers burns Spillane 9:17 – Chip Kelly's mismatch homework 11:18 – Brazil stadiums and Olympic meth labs 11:26 – Derek Carr retires: breaking down the announcement 13:14 – Was Carr scared of competition or just done? 15:01 – Soto hopes Carr stays retired for good 20:59 – RJ defends Carr's reasons for walking away 25:05 – Carr's legacy: above-average QB or wasted opportunity? 29:18 – The Raiders failed Carr more than Carr failed the Raiders 33:23 – Turning around a 20-year disaster 35:23 – Worst "what ifs" in Raiders history 36:50 – The night Carr broke his leg... and RJ tried edibles 38:35 – From Carr to Brady: full circle 39:02 – Skip Bayless vs. Tom Brady on Shador Sanders 41:00 – Spitek's lying season stories 44:48 – The truth: If Brady wanted Shador, he'd be a Raider 45:33 – Geno Smith tape breakdown: deep ball bombs 53:10 – Play action is coming, and it matters 54:44 – Raiders are dome kings in 2025 55:02 – Madden movie: Nic Cage and Bale as legends 59:05 – Our audience: 99.8% male, 0.2% strip club material 1:02:09 – Strippers, tacos, and windbag wisdom   Join this channel to get access to perks: https://www.youtube.com/channel/UCAT0MnawkRvZYSo9UfMx6-w/join #TheAutumnWindbags #Raiders #LasVegasRaiders #NFL Swag: https://the-autumn-windbags.myspreadshop.com/ Buy us a Beer?: https://cash.app/$AutumnWindbags Follow the guys on Twitter/Instagram: https://twitter.com/RJcliffordMMA https://twitter.com/MrJuanderfull42 Facebook: https://www.facebook.com/The-Autumn-Windbags-103656098294802 Instagram: https://www.instagram.com/theautumnwindbags/ Email: TheAutumnWindbags@gmail.com Subscribe to the Podcast on iTunes: https://podcasts.apple.com/us/podcast/the-autumn-windbags-podcast/id1544222518 And Spotify: https://open.spotify.com/show/2D89TOexTTGFNQwmDr7QBC  

In episode 1863, Jack and Miles are joined by comedian and co-host of Rebrand, Mort Burke, to discuss… WHY DO THEY ALL WANT TO BE ARTISTS?!!?! Amazon Doubles Down On Evilest Game Show In History and more! Don't Quit Your Day Job, Michigan State Rep. Josh Schriver The Conservative C.O.D.E by Josh Schriver (This "Song" Is Trash... Click At Your Own Risk) Amazon’s Prime Video Renews ‘Beast Games’ For Two Seasons: “We’re Excited To Raise The Bar Even Higher” MrBeast’s faux philanthropy: His cynical videos are fuelling the aid illusion MrBeast, Amazon Sued by Contestants on ‘Beast Games’ Competition Show, With Allegations Including Sexual Harassment and ‘Chronic Mistreatment’ Elon Musk and MrBeast are building sinister company towns MOOSE TOYS' NEW MRBEAST LAB TOY LINE SPARKS UNPRECEDENTED RETAILER FRENZY 'Beast Games' partnership with fintech company MoneyLion stirs controversy: Here's why LISTEN: Contact by AstrocolorSee omnystudio.com/listener for privacy information.

Today's show was brought to you by our sponsor Encore Funding. Have you or someone you know recently been awarded a government contract and cannot secure funding? Encore Funding has your back, with a recently launched Government division they are funding your receivables so you can just focus on the work. Visit encoregov.com for more information on how to get the money you need to continue growing your business.  In today's episode, I caught up with Jamelyn Austin Trucks live from a procurement event in the City of Miami. Jamelyn is the Practice Director for Grants, Resiliency, and Master Planning at AtkinsRéalis, and she shares her unique vantage point working with FEMA, DOD, and other federal agencies on disaster recovery, transportation, and planning projects. What stood out was her emphasis on the critical role small businesses play—especially those with niche expertise and community knowledge. She breaks down how firms like hers seek out small business partners and what it takes to maintain long-term teaming relationships—beyond certifications, it's about communication, quality, and trust. We also talk shop on real pathways to working with FEMA and other agencies without going through the front door. Jamelyn lays out the kinds of conferences and industry events where firms like hers scout for partners and gives practical advice on how to stand out, get your foot in the door, and keep it there. This is a must-listen if you're a small business looking to team up with prime contractors in the federal space. Linkedin: https://www.linkedin.com/in/jamelyn-austin-trucks-cfm-pmp-31325112/ Company Linkedin: https://www.linkedin.com/company/atkinsrealis/ 

Prime for 2025-05-14. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

On this episode Blokees gives us an amazing Soundwave figure that does everything but transform, Auldey also gets in on the action with more licensed non transforming action figures, and if you ever wanted to have a beer with a Prime, you'll soon get your chance. All this and much, much more on this episode of TransMissions! Order our exclusive Skybound Transformers #1 comic with cover art by E.J. Su! Want some TransMissions swag? Check out our online shop, powered by TeePublic! Show Notes: If you enjoy TransMissions, please rate us and subscribe on Apple Podcasts and Spotify! These ratings greatly help podcasts become more discoverable to other people using those services and is an easy way to help out our show. Contact us: Continue reading The post TransMissions 642 – Non-Transforming Action! appeared first on TransMissions Podcast Network.

From Xenomorphs to ETs: Which Alien Species is the Best? This week on the podcast, Brian and Darryl boldly go into the sci-fi vault to debate the most creative alien species in the galaxy. Think Na'vi spirituality meets Xenomorph acid vomit. From hive-minded cybernetic zombies to fire-based art snobs, it's time to crown the weirdest, wildest, most wonderful extraterrestrials in fiction. Episode Index Intro: 0:07 Alien, Mine: Alien Showdown… Who’s the Best? Darryl Heptapods (from Arrival) Physical Traits – Appearance: Heptapods are seven-limbed (hence the name “hepta-” meaning seven) creatures with a large, oval-shaped head and a body that appears to be semi-transparent2. – Eyes: They have thousands of small, dime-sized eyes in clusters, which are actually patches of photosensitive skin. – Sensory Perception: They use sophisticated sonar to perceive their environment, allowing them to detect even minute details. Culture – Non-linear Perception of Time: Heptapods experience time non-linearly, meaning they perceive past, present, and future simultaneously. This is reflected in their language and behavior3. – Patience and Long-term Thinking: Their non-linear perception of time gives them a unique perspective on patience and long-term consequences. They are willing to wait for humans to understand their language and purpose4. – Purpose of Arrival: They arrive on Earth to share their language, Heptapod B, which they believe will help humanity understand their non-linear perception of time and potentially aid them in the future. Language – Heptapod A: This is their spoken language, which sounds very organic and is designed to be heard rather than spoken. – Heptapod B: This is their written language, consisting of circular logograms that represent entire concepts or sentences rather than individual words. The meaning of these logograms depends on the tendrils and splotches branching out from their circular rings2. – Impact on Humans: Learning Heptapod B alters the human perception of time, allowing them to experience events out of sequence, similar to how Heptapods perceive time. MorningLightMountain (Commonwealth Saga by Peter F. Hamilton) Physical Traits: – Prime Bodies: MorningLightMountain’s consciousness inhabits billions of distinct Prime bodies. These bodies are divided into two types: motiles and immotiles1. – Motiles: Motiles can see and move but are relatively unintelligent on their own. – Immotiles: Immotiles are blind and immobile but highly intelligent. They can breed motiles, and four motiles can merge to form a new immotile1. – Wormhole Technology: MorningLightMountain possesses wormhole technology, allowing its bodies to communicate over arbitrarily large distances. Mental Traits: – Hive Mind: MorningLightMountain operates as a hive mind, with a single united consciousness spread across billions of bodies. – Xenophobic and Expansionist: The Primes, including MorningLightMountain, are highly xenophobic and expansionist, seeking to subsume or destroy other species. – Highly Intelligent: Immotiles can link to each other for greater processing power, making MorningLightMountain one of the most powerful Primes. Linguistic Traits: – Non-Verbal Communication: MorningLightMountain primarily communicates non-verbally through its network of bodies. – Radio Transmitters: Primes use implanted radio transmitters to stay wirelessly connected, allowing for long-range communication. Saga of the Seven Suns series (Kevin J Anderson) Hydrogues – Physical Traits: Elemental beings composed of water and gas, often appearing as massive, swirling masses of liquid and vapor. – Culture: Highly territorial and aggressive, especially when their habitats are threatened. They have a deep connection to water and gas. – Language: Communicate through complex patterns of vibrations and waves. Faeros – Physical Traits: Elemental beings associated with fire and light, emitting a warm glow and capable of producing flames. – Culture: Passionate and energetic, valuing creativity and expression. They are often involved in artistic and spiritual pursuits. – Language: Communicate through a combination of spoken language and visual symbols, using their fiery abilities to create intricate patterns and displays. Borg Physical Traits: – Cybernetic Enhancements: The Borg are a collective of various species that have been assimilated and augmented with cybernetic implants. This results in a mix of biological and mechanical features. – Pale Skin: Their skin tends to be pale or grayish due to the integration of technology and loss of individuality. – Mechanical Limbs and Eyes: Many Borg drones have mechanical limbs and/or eyes, often replacing their original biological parts with more efficient cybernetic versions. Culture: – Collective Consciousness: The Borg operate as a hive mind, known as the Collective. Individuality is suppressed, and all drones are connected through a central consciousness. – Assimilation: The primary goal of the Borg is to assimilate other species to enhance their own collective knowledge and capabilities. This is often done forcibly, with the mantra “Resistance is futile.” – Efficient and Methodical: The Borg are highly efficient and methodical in their actions, driven by their collective purpose of achieving perfection. Language: – Communal Communication: The Borg communicate internally through their collective consciousness, sharing thoughts and information instantaneously. – Distinctive Speech Patterns: When speaking externally, the Borg often use a collective “we” to represent their hive mind and have a monotone, emotionless speech pattern. Changelings (Founders) Physical Traits: – Shapeshifters: Changelings are highly advanced shapeshifters capable of assuming any form, from humanoid figures to inanimate objects. – Gelatinous State: In their natural form, Changelings exist as a gelatinous mass, which they revert to when at rest or regenerating. – Golden Hue: Their gelatinous form has a distinctive golden hue. Culture: – Great Link: The Changelings share a deep connection through the Great Link, a shared state where they merge together in their natural form, exchanging thoughts and experiences. – Isolation and Control: Historically, Changelings have sought to isolate themselves from solids (non-shapeshifting species) and control them to protect themselves from persecution and harm. – Founders of the Dominion: Changelings are the ruling species of the Dominion, a powerful political and military alliance in the Gamma Quadrant. They employ the Vorta and Jem’Hadar as their loyal servants to enforce their will. Language: – Universal Communication: Changelings typically communicate in the languages of the species they interact with. Their ability to shapeshift allows them to perfectly mimic speech. – Telepathic Connection: Within the Great Link, communication is telepathic and intuitive, allowing for an exchange of complex ideas and emotions without words. Na’vi (James Cameron Avatar movies) Physical Traits – Height and Build: The Na’vi are tall, standing about 10 feet (3 meters) in height, and have a slender, graceful build. – Blue Skin: They have blue skin with bioluminescent patterns that glow in the dark, helping them blend into their environment. – Four-Fingered Hands: Unlike humans, the Na’vi have four fingers on each hand and four toes on each foot. – Cat-like Features: They have large, expressive, golden eyes, pointed ears, and tails, giving them a feline appearance. – Braid with Neural Queue: Each Na’vi has a long braid called a “tswin,” which contains a neural queue that allows them to connect with other creatures and the environment on Pandora. Culture – Deep Connection with Nature: The Na’vi live in harmony with the natural world of Pandora. They have a deep spiritual connection with the flora, fauna, and the planet itself. – Clans and Tribes: The Na’vi are organized into various clans and tribes, each with its own customs and traditions. The Omaticaya clan, for example, resides in the Hometree. – Eywa: The Na’vi worship Eywa, the Great Mother, a deity representing the interconnectedness of all life on Pandora. They believe that Eywa maintains the balance of life. – Rites of Passage: Na’vi culture includes several rites of passage, such as the bonding with a direhorse (pa’li) and a mountain banshee (ikran), which signify one’s transition into adulthood. – Hunting and Gathering: The Na’vi are skilled hunters and gatherers, relying on their environment for sustenance while respecting the creatures they hunt. Language – Na’vi Language: The Na’vi have their own language, developed specifically for the film by linguist Dr. Paul Frommer. It is a fully functional language with its own grammar, syntax, and vocabulary. – Tsaheylu: The neural bond, called “tsaheylu,” allows the Na’vi to connect with other creatures and their environment. This connection is a form of communication that transcends spoken language. Xenomorphs (Alien Franchise) Physical Traits: – Exoskeleton: Xenomorphs have a biomechanical, black exoskeleton that provides them with great durability and a fearsome appearance. – Elongated Skull: They possess an elongated, ridged skull with a lack of visible eyes, giving them a terrifying, eyeless visage. – Inner Jaws: Equipped with a secondary, inner jaw that can extend from their mouths for lethal attacks. – Tail: Their long, muscular tails end in a sharp blade, which they use for both balance and as a weapon. – Acidic Blood: Their blood is highly acidic, capable of burning through metal and other materials. Culture: – Hive Structure: Xenomorphs have a hive-based social structure, with a Queen at the center, responsible for laying eggs and maintaining the population. – Instinct-Driven: They operate primarily on instinct, driven by a need to propagate their species. This includes capturing hosts for their Facehuggers to implant embryos. – Parasitic Life Cycle: Their life cycle involves multiple stages: Egg, Facehugger, Chestburster, and Adult. The Facehugger attaches to a host, implanting an embryo that later emerges violently from the host’s chest as a Chestburster. – Adaptive and Versatile: They can adapt to different environments and hosts, resulting in various Xenomorph types with specific traits influenced by their host species. Language: – Non-Verbal Communication: Xenomorphs communicate non-verbally through body language, pheromones, and hisses or screeches. Their interactions are primarily based on their hive hierarchy and instinctual behaviors. Species 8472 (Undine) — Honorable Mention Physical Traits: – Tripedal and Non-Humanoid: Species 8472, also known as Undine, are tripedal beings with a non-humanoid appearance. – Fluidic Space Origin: They originate from a dimension called fluidic space, which is accessible through quantum singularities. – Biological Technology: Their highly developed biology and organic technology make them tactically superior to the Borg. Culture: – War with the Borg: Species 8472 engaged in a war with the Borg after the Borg invaded their realm of fluidic space. They proved immune to assimilation and launched a counter-invasion of the galaxy2. – Genocidal Intentions: They have a genocidal intent towards other species, considering them a threat. – Negotiations with the Federation: Captain Kathryn Janeway of the USS Voyager negotiated peace with Species 8472, using a weapon developed from Borg nanoprobes to force them to retreat. Language: – Telepathic Communication: Species 8472 communicate telepathically, using their telepathic abilities to convey thoughts and intentions. – Unknown Name: Their name for themselves is unknown, as they are referred to by their Borg designation. Brian Farscape Luxans – Tall, warrior-like humanoids with a warrior code of honor. – Recognizable by their facial tendrils and thick-skinned appearance. – Can heal themselves through a process called “battlefield transfusion.” – Notable Character: Ka D'Argo – A fierce but noble warrior with a tragic past. Delvians – A sentient plant-based species with blue skin and photokinetic abilities. – Capable of deep meditation and powerful telepathic abilities. – Often have a spiritual or religious focus. – Notable Character: Pa'u Zotoh Zhaan – A Delvian priestess who can use her mind and biochemistry to heal or harm. Scarrans – Reptilian, highly aggressive, and among the most physically powerful species. – Possess natural heat-based abilities, allowing them to intimidate or harm opponents. – Scarrans view themselves as the superior species and often engage in genetic experimentation. – Notable Character: Emperor Staleek – A ruthless leader of the Scarran Empire. Pilots – Large, multi-limbed creatures that are biologically bonded to Leviathans (living ships). – They have a deep connection with their Leviathan and can control their functions. – Notable Character: Pilot – The pilot of Moya, who communicates with the crew and the ship. Leviathans – Living, biomechanical starships that possess sentience. – Generally peaceful but can be forced into servitude by Peacekeeper “Control Collars.” – Notable Character: Moya – The Leviathan that serves as the home and transport for Crichton and his crew. Star Wars (Expanded Universe) Yuuzhan Vong Who Are the Yuuzhan Vong? The Yuuzhan Vong are an extragalactic warrior species who invaded the Star Wars galaxy, triggering the Yuuzhan Vong War (25–29 ABY). Unlike most species in Star Wars, they: – Are immune to the Force – Jedi cannot sense them, and their presence in the galaxy caused major upheaval in the Force itself. – Use only organic technology – They abhor droids and mechanical technology, instead using genetically engineered living creatures as weapons, ships, and tools. – Are deeply religious and fanatical – They follow a strict caste system and worship pain as a path to enlightenment. Biology & Appearance – Humanoid, but with ritualistic scarring and tattooing that marks their status in society. – They believe in self-mutilation and pain as a form of religious devotion. – Have a higher pain tolerance than most species. – They view cybernetics and machines as heretical and replace body parts with living biotechnological organisms. Society & Culture The Yuuzhan Vong are organized into a rigid caste system: – The Supreme Overlord – The absolute ruler of their species. – Notable Character: Supreme Overlord Shimrra, who led the invasion of the galaxy. – The Warrior Caste – Devoted soldiers who follow a strict code of honor. – The Priest Caste – Religious leaders who interpret the will of the gods. – The Shaper Caste – Scientists responsible for bioengineering their weapons and technology. – The Intendant Caste – Bureaucrats and administrators. – The Worker Caste – The lowest rank, responsible for labor. Their entire culture revolves around pain, sacrifice, and religious zeal, believing that their gods command them to conquer and purify the galaxy. Yuuzhan Vong Technology (All Organic) – Living Starships (Coralskippers & Worldships) – Instead of metal ships, they use bio-engineered living vessels. – Vonduun Crab Armor – Grown, not manufactured, and is resistant to lightsabers. – Amphistaffs – Living snake-like weapons that function as both swords and whips. – Dovin Basals – Creatures that create miniature black holes to absorb attacks (even deflecting turbolaser fire). – Yorik Coral – Used to construct buildings, ships, and even restrain captives. The Yuuzhan Vong War (25–29 ABY) – The Yuuzhan Vong invaded the New Republic, launching a brutal war. – They captured and terraformed many worlds, including turning Coruscant into a massive Yuuzhan Vong ecosystem. – The Jedi, New Republic, and remnants of the Empire had to unite to fight them. – The war ended when Supreme Overlord Shimrra was killed, and his second-in-command, Onimi, was revealed as the real mastermind. – After their defeat, the surviving Yuuzhan Vong were relocated to Zonama Sekot, a living planet. Why Are They So Unique? – They stand out from all other Star Wars villains because they don't use the Force and their biology/technology is completely different from the rest of the galaxy. – They pushed the Jedi to their limits—without the ability to sense them in the Force, traditional Jedi tactics were ineffective. – Their brutality and disregard for machines made them unlike the Sith, the Empire, or any other major villains in Star Wars. Legacy in Star Wars While the Yuuzhan Vong were a major part of Legends, they have not appeared in the Disney canon yet. However, The Clone Wars animated series almost introduced them in a scrapped episode. Falling Skies Espheni (Overlords) – The main antagonists for most of the series. – An advanced, insectoid-like species with a strict hierarchical society. – Possess telepathic abilities and are highly intelligent strategists. – Use a combination of biotechnology and mechanical technology for warfare. – Consider humans an inferior species and attempt to enslave them. – They have an imperialistic nature, having conquered multiple planets before Earth. Notable Espheni: – The Espheni Overlords – Tall, slender, and powerful commanders of the invasion. – The Espheni Queen – The true leader of the invasion, revealed in the final season. Skitters (Arachnids) – Multi-limbed, insectoid creatures used as foot soldiers by the Espheni. – Originally another enslaved species, controlled through neural harnesses attached to their spines. – Many Skitters are loyal to the Espheni, but a rebel faction exists. – Known for high mobility, leaping abilities, and brutal combat skills. Notable Skitters: – Red-Eye – A rebel Skitter who aids the human resistance. – Harnessed Children – Human children forcibly enslaved by the Espheni using a similar mind-controlling harness. The Harnessed – Human (mainly children) captives of the Espheni, controlled through a biomechanical harness attached to their spines. – The harness allows the Espheni to control their minds and enhance their physical abilities. – Over time, harnessed children begin to transform into Skitters themselves. – Ben Mason, the son of protagonist Tom Mason, is partially harnessed but later freed. The Volm – A technologically advanced, humanoid alien species that arrives in Season 3 to help humanity. – They have been at war with the Espheni for generations and seek to liberate Earth. – Use energy-based weapons and powerful war machines. – While allied with humans, their leader, Cochise, warns that they have their own agenda. Notable Volm: – Cochise – The main Volm character, who forms a bond with the humans and helps them fight the Espheni. The Dornia (The Ancient Enemy) – Introduced late in the series as a mysterious aquatic species. – The original victims of the Espheni, nearly wiped out in the past. – Offer limited aid to the human resistance but provide key knowledge for defeating the Espheni Queen. – Their advanced biology allows them to manipulate water-based environments. Final Thoughts – The Espheni are classic conquerors, much like the Yuuzhan Vong (Star Wars) or Scarrans (Farscape), but with an added layer of biotechnology. – The Skitters are tragic figures, originally a peaceful species enslaved by the Espheni. – The Volm act as reluctant saviors, assisting humanity while maintaining their own goals. – The show played with themes of resistance, survival, and moral ambiguity, especially when it came to dealing with harnessed humans. Contact Us The Infamous Podcast can be found wherever podcasts are found on the Interwebs, feel free to subscribe and follow along on social media. And don't be shy about helping out the show with a 5-star review on Apple Podcasts to help us move up in the ratings. @infamouspodcast facebook/infamouspodcast instagram/infamouspodcast stitcher Apple Podcasts Spotify Google Play iHeart Radio contact@infamouspodcast.com Our theme music is ‘Skate Beat’ provided by Michael Henry, with additional music provided by Michael Henry. Find more at MeetMichaelHenry.com. The Infamous Podcast is hosted by Brian Tudor and Darryl Jasper, is recorded in Cincinnati, Ohio. The show is produced and edited by Brian Tudor. Subscribe today!

Anyone new to Australia can appreciate how important it is to keep your mother tongue alive. Language is integral to your culture and Australia's Indigenous languages are no different, connecting people to land and ancestral knowledge. They reflect the diversity of Australia's First Nations peoples. More than 100 First Nations languages are currently spoken across Australia. Some are spoken by only a handful of people, and most are in danger of being lost forever. But many are being revitalised. In today's episode of Australia Explained we explore the diversity and reawakening of Australia's First languages. - Chiunque sia arrivato di recente in Australia può capire quanto sia importante mantenere viva la propria lingua madre. La lingua è parte integrante della propria cultura, e le lingue indigene australiane non sono diverse, poiché collegano le persone alla terra e alle conoscenze ancestrali e riflettono la diversità dei popoli delle Prime Nazioni australiane. Più di 100 lingue delle Prime Nazioni sono attualmente parlate in tutta l'Australia. Alcune sono parlate solo da una manciata di persone, e la maggior parte di esse rischiano di andare perdute per sempre. Ma molte si stanno rivitalizzando. Nella puntata odierna di "Australia Explained" esploriamo la diversità e il risveglio delle prime lingue australiane.

Stuck between a monarchy and a superpower.Carney calls on King Charles to deliver the Throne Speech–brilliant strategic move or colonial regression? U of T's Dr. Jack Cunningham co-hosts. Host: San GrewalCredits: James Nicholson (Producer), Caleb Thompson (Audio Editor and Technical Producer), Sam Konnert (Fact Checking), max collins (Director of Audio), Jesse Brown (Editor)Guest: Jack Cunningham Further Reading on Our Website Sponsors: oxio: Head over to canadaland.oxio.ca and use code CANADALAND for your first month free! Douglas: Douglas is giving our listeners a FREE Sleep Bundle with each mattress purchase. Get the sheets, pillows, mattress and pillow protectors FREE with your Douglas purchase today. Visit douglas.ca/canadaland to claim this offerSquarespace: Check out Squarespace.com/canadaland for a free trial, and when you're ready to launch use code canadaland to save 10% off your first purchase of a website or domain.BetterHelp: Visit BetterHelp.com/canadaland today to get 10% off your first month. If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. You can listen ad-free on Amazon Music—included with Prime. Hosted on Acast. See acast.com/privacy for more information.

On this episode Blokees gives us an amazing Soundwave figure that does everything but transform, Auldey also gets in on the action with more licensed non transforming action figures, and if you ever wanted to have a beer with a Prime, you'll soon get your chance. All this and much, much more on this episode of TransMissions! Order our exclusive Skybound Transformers #1 comic with cover art by E.J. Su! Want some TransMissions swag? Check out our online shop, powered by TeePublic! Show Notes: If you enjoy TransMissions, please rate us and subscribe on Apple Podcasts and Spotify! These ratings greatly help podcasts become more discoverable to other people using those services and is an easy way to help out our show. Contact us: Continue reading The post TransMissions 642 – Non-Transforming Action! appeared first on TransMissions Podcast Network.

We'll talk about the new animated show Breaking Bear and the big Beekeeper deal! Find out what's up in the #MikeJonesMinuteCon.

Marcas Grant, Michael F. Florio, and LaQuan Jones kick things off by reacting to Derek Carr’s unexpected retirement and spotlighting which rookies are best positioned to make an immediate impact in 2025. (3:30) Later, the crew plays a round of “This or That?” — debating which rookies they’re backing for fantasy success this season. (14:45) They wrap up by breaking down key takeaways from the early 2025 NFL Schedule release and sharing the matchups they’re most excited for. (46:09) The NFL Fantasy Football Podcast is part of the NFL Podcast NetworkSee omnystudio.com/listener for privacy information.

NOTE: For Ad-Free Episodes, 100+hrs of Bonus Content and More - Visit our Patreon at https://www.patreon.com/thewheelweavespodcastFind us on our Instagram, Twitter, YouTube & Website, and join the conversation on Discord!In this episode Dani and Brett discuss Chapter 48 and Chapter 49 (Part 1 of 2) of Towers of Midnight!We would like to thank and welcome Jessica Wood, Patrick Wallbankk, and Gloria to The Wheel Weaves Patreon Team! We would also like to thank Tanners for increasing their pledge! Thank you so much for your support!!We would like to acknowledge and thank our Executive Producers Brandy and Aaron Kirkwood, Sean McGuire, Janes, LightBlindedFool, Green Man, Margaret, Big C, Bennett Williamson, Hannah Green, Noralia, Geof Searles, Erik Reed, Greysin Ishara, Ashlee Bradley, Helena Jacobsen, Matthew Mendoza, Cyndi, and Daniel Moore!The Wheel Weaves is hosted and edited by Dani and Brett, produced by Dani and Brett with Passionsocks, Cody Fouts, Benjamin, Jamie Young, Magen, Jared Berg, Rikky Morrisette, Adam, Mozyme, Michelle Forbes, MKM, Antoine Benoit, Lawrence Bradley, Colby T, Gabby Young, Ricat, Zane Sciacca, Matrix, Matt Truss, The Albatross, Bratimus Prime, Sarah Creech, Saverio Bartolini, Sims, Chris G., and Mag621; with music by Audionautix.Check out our partner - the Spoiler-Free Wiki - Spliki.com - Your main first time reader, Spoiler-Free WoT information source!Don't forget to leave us that 5 star review if you enjoy the show for a chance to win exclusive merchandise!Check out https://www.thewheelweavespodcast.com for everything The Wheel Weaves!Become a supporter of this podcast: https://www.spreaker.com/podcast/the-wheel-weaves-podcast-a-wheel-of-time-podcast--5482260/support.

Prime for 2025-05-13. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

International games? Prime time matchups? The Texans Radio Crew pondered some 2025 schedule possibilities just days ahead of the NFL Schedule Release.See omnystudio.com/listener for privacy information.

Mark Carney promised tougher bail and more police – a “get tough” agenda that the Liberals shoplifted right off the Conservative shelf. Host Noor sits down with Adelina Iftene, a criminal law professor, who calls Mark Carney's revival of “tough on crime” a “slippery slope”. Will Mark Carney's revival of “tough on crime” fix anything? What actually makes communities safer? And what happens if we get this wrong?And the latest on Canada's unemployment problem, the one vote that changed Terrebonne, and Carney's new cabinet crewHost: Noor AzriehCredits: Aviva Lessard (Senior Producer), Sam Konnert (Producer), Noor Azrieh (Host/Producer), Caleb Thompson (Audio Editor and Technical Producer), Max Collins (Director of Audio) Jesse Brown (Editor), Tony Wang (Artwork)Guests: Adelina IfteneBackground reading:Man known to Toronto police faces 100+ charges in crime spree – City NewsFederal government proposes stricter bail system in new bill – CBC NewsRepeat violent offenders set to spend more time in custody as feds approve bail reform bill – CBC NewsRandall Denley: Ontario can't get tough on crime until it gets tough on court delays – National PostMost Canadians feel as safe or safer than 10 years ago, Nanos poll finds. Conservative voters are another story – CTVMark Carney's Liberals release plan to fight crime, protect Canadians, and build safer communitiesSponsors: Douglas is giving our listeners a FREE Sleep Bundle with each mattress purchase. Get the sheets, pillows, mattress and pillow protectors FREE with your Douglas purchase today at douglas.ca/canadalandVisit policyme.com to explore insurance plans that cover your needs. Whether you'reprotecting your family's health or their financial future, PolicyMe is reliable and makes iteffortless and fast.If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. You can listen ad-free on Amazon Music—included with Prime. Hosted on Acast. See acast.com/privacy for more information.

Prime for 2025-05-12. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Paul and Charlie drop in on Monday morning to discuss the Cincinnati Bengals NFL Schedule release and impact of the 2025 rookie class. -- Use the code Growler on the BetMGM app for up to $1500 in bonus bets!-- What to watch for with the schedule release, once more on the road primetime narrative and the best road trip combinations-- Shemar Stewart's rookie season success will come down to one made-up stat. -- The lesson Clint Boling taught Paul that relates to Dylan Fairchild-- One clear role available for a Day 3 pick to make an impact-- Prime candidate to be this year's Maema NjongmetaWatch and subscribe on YouTube: https://www.youtube.com/@TheGrowlerPodcastThe Growler on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-growler/id1733476604The Growler on Spotify: https://open.spotify.com/show/70iJjqgPQrVzQ2pdOwVvDYLinks to all socials, podcast platforms, merchandise from Cincy Shirts and more: https://linktr.ee/thegrowlerpodcastSubscribe to Charlie's Chalkboard on Substack: https://charlieschalkboard.substack.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.