Podcasts about prime

Political divides are growing, and it's not just over basic issues anymore. Increasingly, people are feeling differences in basic conduct, morality, and how they approach discussions. These divisions feel too big to ignore.How do you go about fixing that divide? This week host Sam Konnert sits down with Ryan Broderick to iron things out.And the latest on the grand meeting of the Premiers in Saskatoon, Carney's new chief of staff pick and Trump's doubling of the steel and aluminum tariffs. Host: Sam KonnertCredits: Aviva Lessard (Senior Producer), Sam Konnert (Host/Producer), Noor Azrieh (Producer), Caleb Thompson (Audio Editor and Technical Producer), Max Collins (Director of Audio) Jesse Brown (Editor), Tony Wang (Artwork)Guests: Ryan BroderickBackground reading:'Dude, I'm Done': When Politics Tears Families And Friendships Apart | NPRFriendship in divided times: People don't want to argue with you as much as you think | BBCIt is okay to lose friends due to politics | Johns HopkinsSponsors: 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/canadalandArticle is offering our listeners $50 off your first purchase of $100 or more. To claim, visit ARTICLE.COM/BACKBENCH and the discount will be automatically applied at checkoutIf 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.

In this episode, Pat and Tevo discuss various topics including the buzz around Elon Musk's upcoming Robo Taxi announcement, the marketing battle between Gatorade and Prime, and the evolving landscape of college football and the NCAA. They explore how perception and marketing strategies impact consumer choices and the future of sports. They also explore the rise of AI influencers in the creator economy and the resurgence of 'The Office' on TikTok, examining how these trends affect marketing and viewer engagement.Chapters00:00 Introduction and Summer Kickoff03:11 Elon Musk and the Robo Taxi Buzz11:48 Gatorade vs. Prime: The Marketing Battle28:49 The Future of College Football and NCAA Changes32:07 The Return of NCAA Football34:59 The Evolution of College Football and Its Impact39:10 The Business of College Football43:13 AI Influencers in the Creator Economy52:15 The Office's Resurgence on TikTokYouTube and Socialshttps://mtr.bio/sorry-were-closed-Pod

The Two Bobs episode 282 for Monday, Jun 2, 2025: What are The Bobs drinking? Rob enjoyed a Churro Grande from Boulevard. https://untp.beer/52e685eed0 Robert nursed a Caramel Cookie Bar from Southern Tier. https://untp.beer/yrb3Q Follow us on Untapped at @RobFromTTB and @lowercaserobert or your Amazon driver will poop on your porch. We chatted for a bit about baseball and the Packers hosting the Lions in Week 1 this fall. This week's CRAZY NEWS tried to block the tariffs but, as always, the administration ignored its request. This woman married an AI robot and claims the sex is great. https://nypost.com/2025/05/12/lifestyle/woman-married-to-an-ai-robot/ A Nebraska man is facing two felony charges after attacking his neighbor and a 7-year-old with a lightsaber. https://www.ketv.com/article/nebraska-man-aidan-white-facing-two-felonies-for-allegedly-attacking-neighbor-7-year-old-with-lightsaber/64705501 An Amazon driver in Los Angeles was fired for pissing and shitting on customers' homes. https://ktla.com/news/local-news/amazon-driver-purportedly-poops-on-front-porch-of-los-angeles-home/ A Virginia man was arrested for drawing his own crosswalk at a busy intersection. https://www.cbs19news.com/news/charlottesville-man-arrested-for-drawing-crosswalk/article_f1d4d135-9d2b-4738-85d7-d5e37f1fee06.html King Charles switched to a more comfortable silicone crown. https://theonion.com/king-charles-switches-to-more-comfortable-silicone-crown/ Find us wherever you get your podcasts. Rate, review, and tell your equally twisted friends. Join us on all the social things: Follow us on Blue Sky Follow us on Twitter Check out our Instagram Find us on YouTube Follow Rob on Untappd Follow Robert on Untappd The Two Bobs Podcast is © The Two Bobs.  For more information, see our Who are The Two Bobs? page, or check our Contact page.  Words, views, and opinions are our own and do not represent those of our friends, family, or our employers unless otherwise noted.  Music for The Two Bobs was provided by JewelBeat (which doesn't exist anymore but we still put it here because we like to do the right thing)

The election is done and dusted. Votes cast, tallied, and 343 newly minted MPs are on the job. But even though we, the media collectively, tried our best to vet everyone, some things slipped past us.There's one candidate that we at Canadaland did not vet. That candidate won. And then she was named to Cabinet. She is now a federal minister. Only then did we get a tip about her. A tip that did in fact turn up information about her that was not yet known but which should be known.Host: Jesse BrownJulian Abraham (Reporter)Caleb Thompson (Audio Editor), Bruce Thorson (Senior Producer), max collins (Director of Audio), Jesse Brown (Editor and Publisher)Fact checking by Max CollinsAdditional music by Audio NetworkFurther ReadingFacebook Post Highlighting Kyle DisputeRRC Changing Student Survey After Concerns raised over ‘offensive' questions - Global NewsSponsors: 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.Further Reading:Facebook Post Highlighting Kyle DisputeRRC Changing Student Survey After Concerns raised over ‘offensive' questions - Global NewsIf 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.

A dieci anni dall'inizio del dieselgate, lo scandalo delle emissioni truccate sui veicoli Volkswagen, arrivano le prime condanne, ma i processi sono tutt'altro che conclusi, ce ne parla Enzo Savignano. Con Alessandro Vai, giornalista esperto di auto e moto, abbiamo parlato degli errori di Vokswagen e del futuro del mercato automobilistico europeo. Von nome Host.

Dale Jr welcomes his NASCAR on Prime booth teammates Adam Alexander & Steve Letarte to preview the race at Nashville. They talk about their TV debut with Prime last weekend, what to expect on track at Nashville, and answer questions from the fans! It's an exclusive live show from Music City that you won't want to miss! Dirty Mo Media is launching a new e-commerce merch line! They've got some awesome Dale Jr. Download merch on the site. Visit shop.dirtymomedia.com to check out all the new stuff.And for more content, check out our YouTube page: https://www.youtube.com/@DirtyMoMedia Must be 21+ and present in select states (for Kansas, in affiliation with Kansas Star Casino) or 18+ and present in D.C. First online real money wager only. $5 first deposit required. Bonus issued as nonwithdrawable bonus bets which expire 7 days after receipt. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG. Call 1-888-789-7777 or visit ccpg.org/chat in Connecticut, or visit mdgamblinghelp.org in Maryland. Hope is here. Visit GamblingHelpLineMA.org or call (800) 327-5050 for 24/7 support in Massachusetts, or call 1-877-8HOPE-NY or text HOPENY in New York.

Play NowThe call of the wild leads episode 376 of the Twincast / Podcast to begin with discussion of in hand images for yet another wave of the Wild King combiner figures from Takara Tomy. Recent leaks and teases of the upcoming Studio Series 86 Mixmaster and teases of Megatron are discussed next. The talk moves on to a pair of gimmicks, with both color changing Hot Wheels Transformers and a glow-in-the-dark Earthspark toy coming soon. A listener question about real life vehicle mode experiences leads into another round table of on the spot questions for the crew. As always, bragging rights brings the show to a close.

Desperate for a new series to binge-watch or heading to the cinema for date-night? Gayle Edmunds shares her top picks of things to watch on the big and small screen with CapeTalk’s Sara-Jayne Makwala King on Weekend Breakfast. This week we’re watching: The Secrets We Keep, limited series on Netflix Cast:  Marie Bach Hansen, Excel Busano, Danica Curcic Plot: When a neighbor's au pair vanishes from her wealthy suburb, Cecilie seeks answers — and unravels secrets that shatter her seemingly perfect world. - netflix.com TAGS: Entertainment, at the movies, film, television, binge watch, Gayle Edmunds, Showmax, Netflix, AppleTV, Prime, cinema, Box Office, Hollywood See omnystudio.com/listener for privacy information.

Bonjour from Roland-Garros, well we should say the Jardin du Luxembourg for a special edition of Tennis Weekly Journal as Alina and Chris have ventured into the city and found the local tennis courts. On today's episode they cover the epic match between Gael Monfils and Jack Draper that lit up the Night session and Philippe-Chatrier in one of the matches of the tournament. They debate the French Open crowd, asking if they go too far after they helped a clearly injured Arthur Fils hobble over the line against an increasingly irritated Jaume Munar on Court Suzanne Lenglen. Would he have won without the crowd? Alina doesn't think so and neither does Arthur. As well as the on court action, the Night Session being exclusively reserved for Men's matches has become a hot topic once again. Will there ever be a solution and can a solution be found whilst the Prime tennis contract exists in France? Alina and Chris try to provide some context on the increasingly repetitive and polarising topic as it isn't as simple as scheduling a women's match in the night session slot.As well as the more thought provoking topics, in true Tennis Weekly Journal style there is fun to be had as Alina and Chris recount their galette experience at lunch and the debate is settled, in future it's sugar and butter for them!PROPERTY HUB INVESTIf you're serious about property, head to https://propertyhub.net/start to take your first step.SOCIALSFollow us on Twitter, Instagram, TikTok and YouTube, plus email the show tennisweeklypod@gmail.com.MERCHPurchase Tennis Weekly Merch through our Etsy store including limited edition designs by Krippa Design where all proceeds go towards the podcast so we can keep doing what we do!REVIEWS***Please take a moment to rate and review the show on Apple Podcasts, Spotify or wherever you get your pods. It really means a lot to us at HQ and helps make it easier for new listeners to discover us. Thanks!*** Hosted on Acast. See acast.com/privacy for more information.

Say it ain't so! The Wheel of Time has been cancelled. But why? Was this inevitable? And can the show be saved?Next Up: Reaper's Gale by Steven EriksonCheck us out on YouTube:https://youtube.com/c/FantologyPodcast Chat with us more and support in the links belowhttps://www.fantologybooks.comhttps://discordapp.com/invite/k5efNbGhttps://www.patreon.com/fantology_bookshttp://www.audibletrial.com/Fantologyhttps://www.redbubble.com/people/fantology/shopMusic Credit: Nathan Towns, see more at https://nathantownscomposer.com/

The American populist left has a roadmap for Canadian progressives. With the NDP wandering the political wilderness, the rise of Bernie Sanders and Alexandria Ocasio-Cortez points to where left-wing politics is headed. But will Canada's progressive movement catch the wave? Host: Jesse BrownCredits: James Nicholson (Producer), Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Cenk UygurPhoto by Jim Heaphy, courtesy of Wikimedia Commons Further reading: The collapse of the NDP vote in the federal election: how it happened | Regina Leader Post Ocasio-Cortez, Bernie Sanders draw huge crowds on ‘fighting oligarchy' tour - National | Globalnews.ca Conservatives block Trump's big tax breaks bill in a stunning setback - AP NewsFirst Read: Economic Populism Comes Front-and-Center for 2016 - NBC Despite a polarizing election, Canadians don't want a two-party system, poll suggests - National Post US political ad spending to soar in 2024 with TV media the biggest winner - report | Reuters Sponsors:oxio: Head over to canadaland.oxio.ca and use code CANADALAND for your first month free! The Oat Company: Head over to oatcompany.com and use code CANADALAND20 for 20% off your order. They ship across Canada so you can enjoy them anywhere.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 offerIf 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 week’s show Chris and Arron talk about: Detroit Movement festival, Northern Exposure on Prime, RIP George Wendt, the “Golden Dome”, The Woods break-in, Trump vs Springsteen, recovered bust of Jim Morrison, the return of HBO, and Andor season 2. Please follow us on Twitter @TheWeedsmen420, Instagram @TheWeedsmenPotcast, and on Facebook at Facebook.com/TheWeedsmenPotcast/ Download... The post Techno Christmas first appeared on Christopher Media.

The widespread layoffs unfolding across the federal government present a prime opportunity for foreign spy agencies. The foundation for defense of democracies, recently uncovered a likely Chinese intelligence operation targeting former Feds through fake recruiting websites. For more on this scheme and what to watch out for Federal News Network's Justin Doubleday spoke with FDD, Senior Analyst for emerging threats, Max lesser.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Redblacks analyst Jeff Avery on what to watch for in tonight's final preseason game, Zach Hyman was right and the next season of FACEOFF: Inside the NHL on Prime and Ottawa Charge exit meetings.

[87✮ | D85 J90 ]Juandapo y Diego hablan sobre la película que pone a Mia y Aaryan frente a Victoria en la búsqueda de tener un hijo en un mundo post-apocalíptico en el que todo está controlado...por que quisieran un hijo? nunca lo sabremos. ·

Hosted on Acast. See acast.com/privacy for more information.

INTRO (00:23): Kathleen opens the show drinking a Dead Parrot Salted Lime Light Lager from Florida Avenue Brewing Company.    TOUR NEWS: See Kathleen live on her “Day Drinking Tour.”   COURT NEWS (18:43): Kathleen shares news that Queen Cher celebrated her 79th birthday, Dolly Parton is releasing a line of Southern inspired frozen meals, Snoop Dogg & Martha Stewart won an Emmy for their 2024 Olympic coverage, Stevie Nicks turns 77 years old, and Jelly Roll has vowed to pledge $20M to build a dog shelter in Tennessee.    TASTING MENU (5:03): Kathleen tastes Simply Doritos White Cheddar Nacho chips, Chocolate Covered Pretzel Oreos, and Albanese Gourmet Gummy Bears.    UPDATES (37:21): Kathleen shares updates on Belichick's girlfriend being kicked out of a Nantucket party, Meghan Markle inks a reduced deal with Netflix,    HOLY SHIT THEY FOUND IT (43:01) : Kathleen reveals the discovery of the secret of what happened to America's “lost colony” of Roanoke.   FRONT PAGE PUB NEWS (45:45) : Kathleen shares articles discussing Brits who scaled Everest using anesthetic gas, Bigfoot is spotted in a Michigan swamp, the “Bubblehead family” is a St. Louis urban legend, Buc-ee's has broken ground in Arizona, Pop-Tarts is releasing 6 new summer products, the US Treasury will stop producing new pennies at the end of the year, the Canadian province of Alberta is looking to secede from the country, 17 members of a cartel kingpin's family were escorted into the US by the current administration, Taco Bell is entering Ireland, and Ticketmaster implements up-front ticket pricing.    STUPID TOURIST OF THE WEEK (50:07): A Florida man is gored by a Yellowstone bison, and a Russian tourist dies while leaning out of a train to take a selfie.    WHAT ARE WE WATCHING (27:58): Kathleen recommends watching “Earnhardt” on Prime Video, “Untold: The Fall of Favre” on Netflix, “Sirens” on Netflix, and “Jamestown” on Prime.    FEEL GOOD STORY (1:13:43): Kathleen reads about how teddy bears got their name. 

Hour 1: Jose Ramirez's prime being wasted? + About Last Night + Shedeur is the "story of the summer" full 2145 Wed, 28 May 2025 15:10:16 +0000 EOYXU51Qg2t7jVX5m6iI0xc1l0vwHxqh sports The Ken Carman Show with Anthony Lima sports Hour 1: Jose Ramirez's prime being wasted? + About Last Night + Shedeur is the "story of the summer" The only place to talk about the Cleveland sports scene is with Ken Carman and Anthony Lima. The two guide listeners through the ups and downs of being a fan of the Browns, Cavaliers, Guardians and Ohio State Buckeyes in Northeast Ohio. They'll help you stay informed with breaking news, game coverage, and interviews with top personalities.Catch The Ken Carman Show with Anthony Lima live Monday through Friday (6 a.m. - 10 a.m ET) on 92.3 The Fan, the exclusive audio home of the Browns, or on the Audacy app. For more, follow the show on X @KenCarmanShow. 2024 © 2021 Audacy, Inc. Sports False

Prime for 2025-05-28. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

How to Win Government Contracts: Federal Sales Blueprint That Even a 10-Year-Old Can Master (My Kid Did!)"This is the blueprint for winning government contracts" - Former Air Force Lt Col Richard Howard breaks down the exact 4-step federal sales process he used to manage $82 BILLION in contracts. So simple, he taught his own 10-year-old (and his 6-year-old knows the secret too).Stop responding to RFPs blind. Learn to reverse engineer the process, influence opportunities BEFORE they go public, and build relationships that put you first in line when contracts drop.

Canadians and Americans alike are afraid of crossing the border, and for political commentators like Cenk Uygur of The Young Turks travel requires extra precautions. What's behind Trump's puzzling decision to politicize border crossing for US citizens?Host: Jesse BrownCredits: James Nicholson (Producer), Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Cenk Uygur Further reading: Nervous About Crossing the Border? You Should Be. - Macleans.ca ‘They're not coming': N.B. border town says fewer U.S. visitors making big impact - New Brunswick | Globalnews.caCheckpoints by U.S. border patrol raise concerns amid drop in Canadian visitors | CBC News A wave of artists are reconsidering tours over U.S. border detention fears | CBC News‘Don't yap to cops': why Hasan Piker's US customs story kicked off a backlash | US immigration | The GuardianJewish senators accuse Trump of exploiting antisemitism to target universities - The GuardianInside the identity crisis in anti-woke media | Semafor U.S. senators urge Canada to ‘give us another chance' on trade, tourism - National | Globalnews.ca Sponsors:Squarespace: 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.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 offeroxio: Head over to canadaland.oxio.ca and use code CANADALAND for your first month free! 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.

We are thriller girls, not horror girls-what are you? Ade and Kelly break down the hottest new release, “Sinners”. This cinematic masterpiece also includes a lot of history that Ade generously provides! Kelly shares about "Companion" (Prime) that hits too close to home like Kim K's robot! And we talk the podcast, “Search Engine”, and “Black Mirror” on Netflix to round out the genre. Ade gives a tip how to fool your robot vacuum, don't miss it!

Dale Earnhardt Jr. returns from the biggest day in motorsports for a new edition of Dirty Air. After making his season debut in the broadcasting booth as part of the Amazon Prime team, he joins special co-host Jordan Bianchi to recap the weekend's events: The Prime broadcast debut was a big successPost-race shows are backPenske strugglesAJ Allmendinger elevates Kaulig RacingKyle Larson's tough dayIs it time to move the ROVAL race back to the oval? During the Ask Jr. portion of the episode, listeners were curious about:The reaction to the new Earnhardt documentaryDrinking beer at the post-race showUsing A1 on good steaksBest driver winning celebrations in NASCARRevealing the new Bud 8 car at Fan Day Dirty Mo Media is launching a new e-commerce merch line! They've got some awesome Dale Jr. Download merch on the site. Visit shop.dirtymomedia.com to check out all the new stuff.And for more content check out our YouTube page: https://www.youtube.com/@DirtyMoMediaFanDuel disclaimer: Must be 21+ and present in select states (for Kansas, in affiliation with Kansas Star Casino) or 18+ and present in D.C. First online real money wager only. $5 first deposit required. Bonus issued as nonwithdrawable bonus bets which expire 7 days after receipt. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG. Call 1-888-789-7777 or visit ccpg.org/chat in Connecticut, or visit mdgamblinghelp.org in Maryland. Hope is here. Visit GamblingHelpLineMA.org or call (800) 327-5050 for 24/7 support in Massachusetts, or call 1-877-8HOPE-NY or text HOPENY in New York.

Prime for 2025-05-27. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Have you ever spent tens of thousands of dollars and countless hours on a film, only for it not to be met with the reaction you thought it would have been? Today we chat with Sean Kilgus, the producer of countless wakeboard films, including The Butter Effect, Defy, and Prime. We are talking with him about how he got into film making, how much a high production value movie costs to make, how he navigated his career, some good Randall Harris stories, and ultimately why he decided to step away from filmmaking. Hear all that and much more in Episode 83 of the Grab Matters Podcast! Follow Sean: https://www.instagram.com/seankilgus/BFY Films: https://www.instagram.com/bfywakefilms/Support the show: https://www.patreon.com/GrabMattersPodcastThank you to this shows sponsors! Liquid Force: https://www.liquidforce.com/ Slingshot: https://slingshotsports.com/Chapters:00:00 - 1:00 intro1:10 First days riding 4:50 Favorite grab6:10 Prime 2?16:00 Getting into filming21:30 Concussion Project28:40 Guest Question: Danny Harf30:00 Defy37:30 Mexico trip 50:30 LF'n Wheel of Questions1:05:40 Defy cont. 1:19:00 Helicopters/Close calls1:33:00 Slingshot Silhouette Challenge 1:39:00 Prime and how it was received in the industry2:11:30 Media currently 2:20:30 Single greatest moment filming2:27:50 Randall stories2:36:20 Thank you'sLinks:BFY Films: https://bfyactionfilmsmedia.com/action-sports/Defy: https://www.amazon.com/Defy-Danny-Harf/dp/B007QIKZ4APrime: https://www.amazon.com/Prime-Wake-Movie-Danny-Harf/dp/B00PJRDMPYShoot us a text!Patreon: https://www.patreon.com/GrabMattersPodcastWebsite: https://www.grabmatters.com/YouTube: https://www.youtube.com/@grabmatters/videosInstagram: https://www.instagram.com/grabmatters/TikTok: https://www.tiktok.com/@grabmatterspodcastFacebook: https://www.facebook.com/grabmatters

Earlier this year, Jagmeet Singh laughed off the idea of losing. Now, he's out and the NDP is in free fall. They lost official party status. They lost ground with key voters, organized labor, and their traditional strongholds in B.C. and the GTA. So, did the NDP learn anything from this catastrophic loss? To answer that question, host Noor Azrieh asks Heather McPherson, one of the 7 NDP MPs left. And, the latest on King Charles Canadian tour, who's gonna babysit rowdy MPs in the House of Commons, and maybe it's time to break up with Jenni Byrne…for good this time.Host: 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: Heather McPhersonBackground reading:NDP caucus members dispute appointment of interim leader Don Davies – The Globe and MailNDP faces 'Parliament from hell' without official party status, says former MP – CBC NewsIs it R.I.P. for the federal NDP? Not quite, experts say – CBC NewsNew Democrats say they want leadership race rules to ensure multiple serious candidates, shorter contest – The Globe and MailKing Charles and Queen Camilla begin royal visit to Canada – CBC NewsPressure mounting on Poilievre to fire Jenni Byrne: sources – CBC NewsSponsors: 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/canadalandHead to policyme.com and find a Health & Dental plan that actually fits your life, andreally only takes 5 minutes to apply.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.

Earlier this year, Jagmeet Singh laughed off the idea of losing. Now, he's out and the NDP is in free fall. They lost official party status. They lost ground with key voters, organized labor, and their traditional strongholds in B.C. and the GTA. So, did the NDP learn anything from this catastrophic loss? To answer that question, host Noor Azrieh asks Heather McPherson, one of the 7 NDP MPs left. And, the latest on King Charles Canadian tour, who's gonna babysit rowdy MPs in the House of Commons, and maybe it's time to break up with Jenni Byrne…for good this time.Host: 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: Heather McPhersonBackground reading:NDP caucus members dispute appointment of interim leader Don Davies – The Globe and MailNDP faces 'Parliament from hell' without official party status, says former MP – CBC NewsIs it R.I.P. for the federal NDP? Not quite, experts say – CBC NewsNew Democrats say they want leadership race rules to ensure multiple serious candidates, shorter contest – The Globe and MailKing Charles and Queen Camilla begin royal visit to Canada – CBC NewsPressure mounting on Poilievre to fire Jenni Byrne: sources – CBC NewsSponsors: 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/canadalandHead to policyme.com and find a Health & Dental plan that actually fits your life, andreally only takes 5 minutes to apply.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.

[Part 2 of 3] After three members of the Richardson family are found dead, the police continue to search for the missing 12-year-old girl. But a darker picture has started to emerge involving her 23-year-old boyfriend.* 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.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.

Prime for 2025-05-26. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

I don't normally engage with gatekeepers in the comments on my videos, but this interaction was  PRIME example of the opposite of Gemini / Mercury magick, and I just couldn't not share my musings... Comment on the accompanying Patreon post Join The Writng Witch Coven

The barbarian has seen some things, and has had to digest a lot in a short amount of time. But her resolve is strong, and it's seen her through some incredibly trying times--all the way to level 18! Tune in now to find out what Tira picks up at this new level. ----- 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: Vestige of Eons - Castlechip - Score Music, by Victor Carracedo And now, on with the show-- we're excited to tell a story with you.

Canadian comedy legend Dave Thomas is here. What else is there to say? If you want to understand the last half century of comedy from SCTV to SNL to The Simpsons you only need to look to the comedic big bang moment when Thomas, Moranis, Levy and Martin converged on Toronto in the early 1970s. So Dave Thomas will tell you all about it, eh?Of course SCTV is only one of the hats (toques) the writer, actor, producer and director has worn. Thomas brings us up to speed on his latest venture, travelling to Ukraine to film a documentary on the country's stand up comedians.Credits: Host: Jesse BrownCaleb Thompson (Audio Engineering), Bruce Thorson (Senior Producer), max collins (Director of Audio), Jesse Brown (Editor and Publisher)Fact checking by Julian AbrahamAdditional music by Audio NetworkFor more information on the Freedom Fund go to:https://ukrfreedomfund.org/Sponsors: The Oat Company: Head over to https://oatcompany.com and use code CANADALAND20 for 20% off your order. They ship across Canada so you can enjoy them anywhere.oxio: Head over to canadaland.oxio.ca and use code CANADALAND for your first month free! 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.

Buckle up for an electrifying episode 124 of Race Car Spelled Backwards! This week, we dive into the thrilling debut of NASCAR on Amazon Prime with a Coca-Cola 600 that blew us away, snapping a dull stretch with a high-octane spectacle. We break down everything we loved about Amazon's coverage—from the slick pre-race to the stellar broadcast team and a jaw-dropping 2-hour post-race show. Get the full scoop on Ross Chastain's epic charge from last to first, Byron and Denny's all-day duel, Carson Hocevar's bold personality and wheelman skills, and Jimmie Johnson's milestone 700th start. Plus, we unpack FOX's fumble of the Indy 500 broadcast, the glitz of F1's Monaco Grand Prix, and so much more. Tune in for a wild, heartfelt episode you won't want to miss!

Prime for 2025-05-25. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Houthi missile fired at Israel from Yemen intercepted. Prime minister announces choice for Shin Bet chief, defying attorney general. Israelis reports receiving spam calls over weekend with recordings of hostages and explosionsSee omnystudio.com/listener for privacy information.

Prime for 2025-05-24. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Kenny Wallace discusses the new documentary "Earnhardt" on Prime.#nascar #racing #kennywallace #daleearnhardtBrought to you by JEGS! Click here: http://jegs.ork2.net/rQ9Oy5Use Promo Code DEALS To Save Up To 50% OFF Sitewide! Shop Doorbusters, Stackable Savings & 1,000's of Deals at JEGS!***thumbnail photo by Kenny WallaceJEGS has been in business since 1960.Racers selling to racers.Focusing on American Muscle – but also big product line of automotive tools, garage gear & other performance parts.JEGS is well established with racers of all kinds, including the NHRA, bracket racing, circle track & more!Free shipping on orders over $199.Unrivaled expertise from techs.Millions of parts for every car person's needs.

Prime for 2025-05-23. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

A new study suggests that New Brunswick's mystery brain illness doesn't exist, but it doesn't tell the whole story. Recent headlines declare the mystery is solved, but the new study only raises more questions. Host: Jesse BrownCredits: James Nicholson (Producer), Caleb Thompson (Audio Editor), Sam Konnert (Fact Checking), max collins (Director of Audio), Jesse Brown (Editor)Guest: Laura Robinson 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 offer 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.

Russillo starts the show with a deep dive into the Pacers' improbable comeback (1:22). Then, he's joined by Howard Beck to learn what it was like inside MSG last night, debate whether Shai Gilgeous-Alexander deserved to win MVP, and have a conversation about players drawing fouls (21:27). Plus, Life Advice with Kyle (1:09:25)! How do I stop my boss from ordering for me when we go out to eat? Check us out on YouTube for exclusive clips, livestreams, and more at https://www.youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Guest: Howard Beck Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias Shopping. Streaming. Savings. It's on Prime. Visit Amazon.com/prime to get more out of whatever you're into. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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 2025-05-22. This podcast is generated automatically. Visit https://barrouxchant.com for more information, to support this podcast, or to report errors.

Ask Me Anything and takeaways of the day featuring Andy, Randy, Beau, and Abe.

We recap the NASCAR All Star Race from North Wilksboro and Christopher Bell's big win. New NASCAR Hall of Famers, Team Penske IndyCar SCANDAL!! Jimmie Johnson doing the double (kinda) including his 700th career Cup Series Start. Kyle Larson actually doing the Indy 500 / Coke 600 Double, NASCAR is on Prime for the next 5 week and they sent us a goody box. Plus Rowdy Dragon's Fantasy NASCAR PICKS. Hosted by Kerry Murphey and Toby Christie.

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.

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.

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.