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Dr. Casey Means, the wellness influencer and ally of Health Secretary Robert F. Kennedy Jr., is the president's nominee for surgeon general. As a prominent voice in the MAHA movement, some of her ideas, such as prioritizing natural foods, reducing pesticide use and exercise, are widely accepted. But she has been criticized for her views on vaccines and raw milk. William Brangham reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy
Welcome to Raw Doggin with Dom and Friends With Benefits as they Host WWE RAW ON NETFLIX Watch Party!!! as we're on the road to the Elimination Chambers as the last spots Qualifications for the Men's & Women's Elimination Chamber and we also have....Men's & Women's Elimination Chamber QualificationsJey Uso Vs Bronson Reed Vs The Original Grande AmericanoIyo Sky Vs Raquel Rodriguez Vs Kaire Saine The Phenomenal AJ Styles TributeBrock Lesnar arrvies And much more!!!Make sure you subscribe to our channel and welcome to the party!!!Don't watch RAW alone come join us!!!==================================Find us wherever you find Circle Of Debatehttps://linktr.ee/CircleOfDebate==================================The Wrestling Delorean Podcasthttps://linktr.ee/wrestlingdeloreanpo..==================================Get your TRWT Merch at the Link belowhttps://trwtmerch.threadless.com/==================================For all sports news, & entertainment news, pro wrestling & more go to https://gamebreakersports.com/==================================GETCHO PODCAST https://linktr.ee/getchopodcast#wwerawlivetoday #wwerawlive #wwerawnetflix #wwerawhighlights #wweraw #wwe #prowrestlingcommunity #wrestlingnews #prowrestling #wrestlingshow #wrestlingnewsnow #sportsentertainment #wrestling #prowrestlingnews #wrestlingcommunity #wrestlingnewsofficial #wrestlingnewsnow #wrestlingpodcast #prowrestlingpodcast #wrestlingtalk #prowrestlingtalk #losangelesprowrestlingpodcast #newyorkprowrestlingpodcast #chicagoprowrestlingpodcast #circleofdebate #tripleh #wwehighlights #wrestlingnetwork #wrestlingnewsandrumors #wrestlingnation #thejudgmentday #thenewday #dominikmysterio #finnbalor #raquelrodriguez #roxanneperez #rusev #sheamus #bronbreakker #bronsonreed #paulheyman #sethrollins #jeyuso #gunther #penta #thenewday #rusev #elgrandeamericano #ajstyles #dragonlee #finnbalor #jdmcdonagh #kairesane #asuka #iyosky #rhearipley #penta #cmpunk #sethrollins #gunther #naomi #rhearipley #iyosky #beckylynch #stephanievaquer #romanreigns #sethrollins #cmpunk #ajlee #stephanievaquer #rhearipley #iyosky #beckylynch #maxxinedupri #ajlee #becky #dominikmysterio #paulheyman #bronbreakker #bronsonreed #solosikoa #penta #nikkibella #ajlee #gunther #dominikmysterio #cmpunk #jevonevans #gunther #ajlee
A commercial airline pilot allegedly flew for 20 years without the proper licence, and Dave and Fionnuala can't get over it. Does cop on outweigh qualifications? From pilots and doctors to radio presenters, sales, and even the guards, they argue it out and take your messages.
The Apostle Paul gives specific instructions about the craving, character, and competence of elders in the church. This is different than the managerial and celebrity approaches. Substack Article: https://substack.com/@jonharris/p-187752630Our Sponsors:* Check out Mars Men: https://mengotomars.comSupport this podcast at — https://redcircle.com/conversations-that-matter8971/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
This week on the podcast, we're joined once again by Gabrielle Nikora-Baker — and a lot has changed since we last spoke.When we first had Gabby on the podcast, she was racing doubles. Fast forward to this episode and we're catching up as she's stepped into Elite 15 solo racing — taking on her first major in Melbourne on home turf, and then qualifying for the World Championships in Phoenix in just her second ever Elite 15 solo race.We talk about what's shifted over the past year — in her training, her nutrition and her mindset.Gabby shares:- The transition from doubles to solo racing- Racing Elite 15, the feeling on the start line- Why she consistently performs so well in America- The training structure behind her progression- Nutrition strategies supporting elite performance- Recently signing as an athlete with LSKD- What really happens when you decide to go all inThis episode is about evolution — and what's possible when you work hard and back yourself!To follow gabby head to her instagram: @gabriellenikorabakerIf you don't already follow us, come say hi @weareatalantaThank you as always to LSKD and Myprotein for supporting us, use code ATALANTA for discount.If you are enjoying the show please consider leaving a review, it helps us more than you realise and subscribe to the show! Thanks so much,Fay & Em x
Welcome To the Friday Night Smackdown Live Watch Along with your Hosts The Queen of the South Kayla, Diry Dango, The Redeemer Justin & Friends as the Qualifications for the Men's & Women's Elimination Chamber continues and we also have...Men's & Women's Elimination Chamber Qualifications MatchesTrick Williams Vs Damian Priest Vs Carmelo HayesCharlotte Flair Vs Kiana James Vs Nia JaxOba Femi Vs Kit Wilson And much more!Make sure you subscribe to our channel and welcome to the watch along!!!Don't watch SD aloneCome join us!!!
Message from Pastor Lynn on February 22, 2026
"C'est la libre-antenne du dimanche midi ! Attablez-vous et venez débattre avec la joyeuse bande de Stephen Brun tous les dimanches entre 13h00 et 15h00. Durant deux heures, les auditeurs sont au cœur de l'émission pour échanger avec Stephen Brun, Alexandre Biggerstaff, Maxime Pauty, Erwan Abautret et tous leurs invités."
Stevens Roundtable: Tanker & Hazmat: Open More Doors Corey Childress, Assistant Manager of Driver Services and Qualifications, shares exciting new earning opportunities for Stevens drivers. Stevens is currently seeking at least 10 drivers to obtain their Hazmat endorsement, offering free online training through CDL Power Suite, full reimbursement for testing costs (with receipts), and a $300 bonus once the endorsement is added to the driver's license. Drivers can complete the approximately 2.5-hour training at their convenience before scheduling fingerprinting, background checks, and the written exam. Stevens is also expanding opportunities in the Tanker Division, providing study guides and resources for drivers interested in adding a tanker endorsement to further increase freight options and earning potential. Drivers interested in either endorsement can: Email: safetyservices@stevenstransport.com Call: Driver Services/Qualifications at Extension 7902 Visit: Driver Services or Qualifications in person Stevens continues to prioritize opening new lanes of opportunity for drivers to grow their careers and increase their income potential. 2025 Company Driver of the Year Trucker Tim interviews "royalty" driver Robert Belford, who has been with Stevens since 1995 and has now surpassed 4 million safe miles, earning his place in the Hall of Fame four times. Robert shares simple, powerful advice for any driver who wants longevity and success Robert is the 2025 Company Driver of the Year, recognized for his consistency, leadership, and humble work ethic. Team Driving Discover the transformative world of team driving with Stevens Transport in this insightful discussion. Learn how driving with a partner boosts efficiency, earning potential, and safety, while allowing for nearly constant travel and the enjoyment of America's stunning landscapes. Earn More/Team Up - https://vimeo.com/1020240977 Driver Spotlight: Raymond Hatchette Jr. Meet Stevens Transport independent contractor and trainer Raymond Hatchette, Jr.! Raymond shares the journey he's taken from military service to transitioning to a civilian career, highlighting the importance of being patient and working hard, while feeling grateful for the opportunity to teach the next generation of truck drivers. See the video here: https://youtu.be/upnzC79uMfI?si=8vj9-RZJZpj8UOca February 2026 - News Bulletin In this Stevens Transport News Bulletin, we proudly celebrate the 2025 Driver of the Year Award recipients, We also share important fleet updates, including opportunities to earn more through hazmat and tanker endorsements, an upcoming Independent Contractor Workshop, active recruiting for tanker drivers and trainers, and details about Project Ascend, where employees and contractors can earn up to $25,000 for innovative cost-saving ideas. For more information, drivers can contact their driver manager or Driver Services at 800-468-0118 See the video here: https://vimeo.com/1165493600 Maximize Your Earnings by Getting Hazmat Certified Higher Load Pay: Earn extra on top of your miles for every Hazmat load hauled. You are already driving the miles; make sure you are getting paid top-tier rates for them. Contact Driver Services to get your reimbursement started! Become a Driver for Stevens Transport For questions on whether you meet our driver qualifications, please call our Recruiting Department at 1-800-333-8595 or visit: www.stevenstransport.com/drivers/ Stevens Transport 9757 Military Parkway, Dallas, TX 75227 http://www.stevenstransport.com/ http://www.becomeadriver.com/ Driver Recruiting: 1-800-333-8595. Apply Here: https://intelliapp2.driverapponline.com Paragon Leasing Technician Careers: https://www.stevenstransport.com/careers/fleet-maintenance-jobs/
Mapaseka Sethlodi, National Pathway Management Network Lead at the Presidential Youth Employment Initiative joins Lester Kiewit in conversation as they discuss the framing around the youth unemployment crisis that faces South Africa. They also explore how the job market must change to accommodate more young people. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk5See omnystudio.com/listener for privacy information.
The American Democracy Minute Radio News Report & Podcast for Feb. 20, 2026Does Alabama's U.S. Senator and Gubernatorial Candidate Tommy Tuberville Actually Live in Alabama? It's Not a Ridiculous Question.Does Alabama's senior U.S. Senator and candidate for governor Tommy Tuberville actually live in Alabama? The question is not as far-fetched as it seems. One of Tuberville's Republican rivals in the state gubernatorial race alleges Tuberville lives most of his time at his multi-million dollar home in Santa Rosa Beach …. Florida. Some podcasting platforms strip out our links. To read our resources and see the whole script of today's report, please go to our website at https://AmericanDemocracyMinute.orgToday's LinksArticles & Resources:AL.com - Republican rival cites Tuberville's flights to Florida in Alabama residency challengeWashington Post - (2023) Tommy Tuberville: Florida's third senator?Alabama Reflector - Alabama GOP dismisses residency challenges against Tommy Tuberville, John WahlAlabama Secretary of State - Minimum Qualifications for Public Office Alabama Constitution via BallotPedia - Article V, Sec. 117. Qualifications of governor and lieutenant governor; lieu- tenant governor ex officio president of senate.Register or Check Your Voter Registration:U.S. Election Assistance Commission – How to Register And Vote in Your StatePlease follow us on Facebook and Bluesky Social, and SHARE! Find all of our reports at AmericanDemocracyMinute.orgWant ADM sent to your email? Sign up here!Are you a radio station? Find our broadcast files at Pacifica Radio Network's Audioport and PRX#News #Democracy #DemocracyNews #TommyTuberville #USSenate #ResidencyRequirements #Alabama #AlabamaConstitution #Florida
Raghunath and Kaustubha reflect on the concern many devotees are feeling after the recent GBC meetings in Māyāpur, where the question of women serving as initiating gurus was met with an indefinite moratorium and a call for further study. Speaking candidly, but with care, they resist the internet's favorite pastime: demonizing the "other side." Instead, they explore the issue with a steady Bhāgavatam lens — examining guru-tattva, scriptural reasoning, and a central tension within spiritual culture: Do bodily designations override bhakti qualifications? For those who have felt unsettled, conflicted, or simply fatigued by the online crossfire, this episode offers grounding — rooted in śāstra, guided by thoughtful reasoning, and framed by a practical caution. A stabilizing conversation for a sensitive moment in the devotional community. ******************************************************************** LOVE THE PODCAST? WE ARE COMMUNITY SUPPORTED AND WOULD LOVE FOR YOU TO JOIN! Go to https://www.wisdomofthesages.com WATCH ON YOUTUBE: https://youtube.com/@WisdomoftheSages LISTEN ON ITUNES: https://podcasts/apple.com/us/podcast/wisdom-of-the-sages/id1493055485 CONNECT ON FACEBOOK: https://facebook.com/wisdomofthesages108 *********************************************************************
Season 6, Episode 7 | Pastor Chad invites his son Truett Warren for a thoughtful examination of 1 Timothy 3:1-7, covering the overseer's noble aspiration, essential traits such as irreproachability, monogamous fidelity, self-control, respectability, hospitable teaching, gentle leadership, well-managed household, and avoiding arrogance or recent conversion pitfalls.
Raghunath and Kaustubha reflect on the concern many devotees are feeling after the recent GBC meetings in Māyāpur, where the question of women serving as initiating gurus was met with an indefinite moratorium and a call for further study. Speaking candidly, but with care, they resist the internet's favorite pastime: demonizing the "other side." Instead, they explore the issue with a steady Bhāgavatam lens — examining guru-tattva, scriptural reasoning, and a central tension within spiritual culture: Do bodily designations override bhakti qualifications? For those who have felt unsettled, conflicted, or simply fatigued by the online crossfire, this episode offers grounding — rooted in śāstra, guided by thoughtful reasoning, and framed by a practical caution. A stabilizing conversation for a sensitive moment in the devotional community. ******************************************************************** LOVE THE PODCAST? WE ARE COMMUNITY SUPPORTED AND WOULD LOVE FOR YOU TO JOIN! Go to https://www.wisdomofthesages.com WATCH ON YOUTUBE: https://youtube.com/@WisdomoftheSages LISTEN ON ITUNES: https://podcasts/apple.com/us/podcast/wisdom-of-the-sages/id1493055485 CONNECT ON FACEBOOK: https://facebook.com/wisdomofthesages108 *********************************************************************
The scandals in the charismatic movement have us examining: what is the difference between cover up culture and exposure culture? What is the biblical response? How do we stay in the radical middle, fostering a culture of transparency and accountability that listens to victims and doesn't hide predators without developing a culture of witch hunt? Joshua Lewis, Michael Miller & Michael Rowntree explore biblical principles for a healthy church and practical steps to build cultures of transparency that honor Scripture.0:00 – Introduction3:29 – Defining Coverup Culture4:37 – Anointing vs. Qualifications in Leadership9:23 – King David, Saul, and Church Leadership Structures17:04 – Mission and Vision Tied to Leaders19:44 – Defining Exposure Culture and Ephesians 5:1125:05 – Potential Dangers of Exposure Culture29:34 – Failure Exploitation34:04 – How Coverup Culture Views Congregants40:45 – Whistleblowers as Accusers of the Brethren45:16 – How Exposure Culture Views Victims53:57 – Discipline in Coverup Culture59:44 – When Public Exposure Is Necessary1:03:58 – Exposure Equals Destruction1:11:04 – Mob Justice and Cancel Culture1:17:02 – Role of YouTubers in Church Correction Subscribe to The Remnant Radio newsletter and receive our FREE introduction to spiritual gifts eBook. Plus, get access to: discounts, news about upcoming shows, courses and conferences - and more. Subscribe now at TheRemnantRadio.com.Support the showABOUT THE REMNANT RADIO:
Welcome to Raw Doggin with Dom and Friends With Benefits as they Host WWE RAW ON NETFLIX Watch Party!!! as the Qualifications for the Men's & Women's Elimination Chamber continues as we have...Men's & Women's Elimination Chamber QualificationsDirty Dom Vs JeVon Evans Vs Gunther Bayley Vs Nattie Vs AsukaAJ Lee, CM Punk, Oba Femi, Becky Lynch , Finn Balor appearanceAnd much more!Make sure you subscribe to our channel and welcome to the party!!!Don't watch RAW alone come join us!!!==================================Find us wherever you find Circle Of Debatehttps://linktr.ee/CircleOfDebate==================================The Wrestling Delorean Podcasthttps://linktr.ee/wrestlingdeloreanpo..==================================Get your TRWT Merch at the Link belowhttps://trwtmerch.threadless.com/==================================For all sports news, & entertainment news, pro wrestling & more go to https://gamebreakersports.com/==================================GETCHO PODCAST https://linktr.ee/getchopodcast#wwerawlivetoday #wwerawlive #wwerawnetflix #wwerawhighlights #wweraw #wwe #prowrestlingcommunity #wrestlingnews #prowrestling #wrestlingshow #wrestlingnewsnow #sportsentertainment #wrestling #prowrestlingnews #wrestlingcommunity #wrestlingnewsofficial #wrestlingnewsnow #wrestlingpodcast #prowrestlingpodcast #wrestlingtalk #prowrestlingtalk #losangelesprowrestlingpodcast #newyorkprowrestlingpodcast #chicagoprowrestlingpodcast #circleofdebate #tripleh #wwehighlights #wrestlingnetwork #wrestlingnewsandrumors #wrestlingnation #thejudgmentday #thenewday #dominikmysterio #finnbalor #raquelrodriguez #roxanneperez #rusev #sheamus #bronbreakker #bronsonreed #paulheyman #sethrollins #jeyuso #gunther #penta #thenewday #rusev #elgrandeamericano #ajstyles #dragonlee #finnbalor #jdmcdonagh #kairesane #asuka #iyosky #rhearipley #penta #cmpunk #sethrollins #gunther #naomi #rhearipley #iyosky #beckylynch #stephanievaquer #romanreigns #sethrollins #cmpunk #ajlee #stephanievaquer #rhearipley #iyosky #beckylynch #maxxinedupri #ajlee #becky #dominikmysterio #paulheyman #bronbreakker #bronsonreed #solosikoa #penta #nikkibella #ajlee #gunther #dominikmysterio #cmpunk #jevonevans #gunther #ajlee
Send a text Material Scientist Career Guide: Scope, Salary, Skills & Future Opportunities in India and AbroadHave you ever wondered who designs the materials that make smartphones smarter, aircraft lighter, batteries more powerful, and medical implants safer?Welcome to The Kapeel Gupta Career PodShow, where we decode powerful yet underrated careers that quietly shape the future.In this episode, we explore the world of Material Scientists — the innovators who decide what the modern world is made of. If engineers build products, material scientists make those products possible.If you are a student who enjoys chemistry, physics, innovation, and real-world problem solving, this episode may introduce you to a high-impact career you never seriously considered.
Qualifications to Enter God's Presence.
What started as a very lethargic first period... quickly exploded into a goal-scoring display. All told it ended up being a pretty good game.
durée : 00:02:18 - Le 2' chrono, ICI Poitou Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.
Welcome To the Friday Night Smackdown Live Watch Along with your Hosts The Queen of the South Kayla, Diry Dango, The Redeemer Justin & Friends as the Qualifications for the Men's & Women's Elimination Chamber continues and we also have...WWE Women's Championship - Jade Cargill Vs Jordynne GraceWWE Women's Tag Team Championship - Rhea Ripley/Iyo Sky (c) Vs Nia Jax/Lash LegendRey Fenix Vs Trick WilliamsMen's & Women's Elimination Chamber Qualifications MatchesCody Rhodes Vs Jacob Fatu Vs Sami ZaynGiulia Vs Alexa Bliss Vs Zelina VegaAnd much more!Make sure you subscribe to our channel and welcome to the watch along!!!Don't watch SD aloneCome join us!!! ==================================Find us wherever you find Circle Of Debatehttps://linktr.ee/CircleOfDebate==================================The Wrestling Delorean Podcasthttps://linktr.ee/wrestlingdeloreanpo..==================================Get your TRWT Merch at the Link belowhttps://trwtmerch.threadless.com/==================================For all sports news, & entertainment news, pro wrestling & more go to https://gamebreakersports.com/==================================GETCHO PODCAST https://linktr.ee/getchopodcast#wwesmackdownlive #smackdownlive #wwesmackdownhighlightstoday #wwesmackdown #wwe #smackdownhighlightstoday #wrestlingshow #wrestlingpodcast #prowrestlingcommunity #wrestling #prowrestling #wrestlingtalk #sportsentertainment #professionalwrestling #wwenews #wrestlingpodcast #wrestlingnews #wrestlingnewsofficial #wrestlingnewsnow #wrestlingnation #chicagoprowrestlingpodcast #jordynnegrace #michin #giulia #kianajames #lashlegend #niajax #alexabliss #charlotteflair #chelseagreen #albafyre #mattcardona #trickwilliams #carmelohayes #prowrestlingtalk #prowrestlingnews #wrestlingcommunity #losangelesprowrestlingpodcast #chelseagreen #giulia #michin #tiffanystratton #zelinavega #aleisterblack #damianpriest #circleofdebate #chicagoprowrestlingpodcast #newyorkprowrestlingpodcast #prowrestlingtalk #sportsentertainment #wrestlingnetwork #wrestlingnation #drewmcintyre #jacobfatu #reyfenix #giulia #kianajames #chelseagreen #jadecargillwwe #niajax #candielarae #michin #streetprofits #mft #solosikoa #tamatonga #tangaloa #jeffcobb #hikuleo #nakamura #wyattsick6 #tripleh #jacobfatu #solosikoa #tamatonga #motorcitymachineguns #johnnygargano #tommasociampa #streetprofits #chelseagreen #piperniven #albafyre #michin #bfab #charlotte #sethrollins #cmpunk #romanreigns #damianpriest #drewmcintyre #laknight #codyrhodes #jadecargillwwe #reyfenix #johncena #tiffanystratton #aleisterblack #malakaiblack #reyfenix #randyorton #giulia #zelinavega #giulia #codyrhodeswwe #johncena #randyorton #cmpunk #ajlee #johncena #ajstyles #codyrhodeswwe #bronbreakker #bronsonreed #codyrhodeswwe #randyorton #drewmcintyre #codyrhodeswwe #jacobfatu
1 Timothy 3 “Although I hope I can come to you soon, I am writing these things to you now. Then, even if I am delayed, you will know how to live in the family of God. That family is the church of the living God, the support and foundation of the truth.” – 1 Tmothy 3:14-15 NCV Context: God provides a place. God gives life, gives love, and provides a place for us. From the Garden to the travels of his people with Tabernacles and a Temple, God lives among his people. God's design always includes his purpose, passion, pleasure, and places for relationship. God showed us love by sending Jesus Christ to be “God with us”, creating an opportunity for constant access. From the Garden to Tabernacles, Temple, and the local church, God's design has always included opportunities for stewardship and shared responsibilities. The stability of our lives is found by building our lives on the teaching of Jesus. The House of God is cared for and given further strength by Jesus' followers, ‘a priesthood of all believers' and 4 Gifts of equipping leaders who serve. With agape love as motivation, following the example of Jesus and the New Testament leaders, today's local church serving leaders function in their gifts and equip the believers to do the same. Jesus-followers lead by serving: “I am among you as one who serves.” – Jesus in Luke 22:20-27 Mark 10:43-45 Serve – to give help by performing certain duties, often of a humble or menial nature Choosing acts of service that show love and respect. “Whoever wants to be first must take last place and be the servant of everyone else.” – Jesus in Mark 9:33-37 John 12:26 “the leader should be like a servant,” – Jesus in Luke 22:26 Jesus' word “servant” = server, dedicated focused faithful – helper, attendant, apprentice, collaborator, companion “And since I, your Lord and Teacher, have washed your feet, you ought to wash each other's feet. I have given you an example to follow. Do as I have done to you.” – John 13:14-15 “Whoever wants to be a leader among you must be your servant. For even the Son of Man came not to be served but to serve others and to give his life as a ransom for many.” – Matthew 20:26, 28 “Anyone who wants to serve me must follow me, because my servants must be where I am. And the Father will honor anyone who serves me.” – John 12:26 Deacon “Deacon” 1 Timothy 3:8 – servant of the master, helping/caring for the needs of believers according to their assignment (such as the stewardship of food provisions for those in need, in Acts 6:3) Please review our Deacon Bible Study. Qualifications listed in 1 Timothy 3:8-13 Our church family is served by a team of leaders, including deacons and elders, who meet the qualifications, seen in 1 Timothy 3:1-7; Titus 1:5-9. A City Harbor Church Deacon is a person who has been selected, equipped, and recognized with specific serving leadership assignment (s). They have been chosen. They have responded with a commitment to a specific responsibility, within the vision, values, and expectations of City Harbor. Elder Elder – overseer of the local church The Eldership has a spiritual responsibility for and is accountable to the Lord for their stewardship of the overall vision, values and doctrine of the church as well as the spiritual health of the congregation. This is all to ensure that the gospel is preached, people are added to the church and people are discipled in order to live like Jesus and to share His love. Being an Elder is not about having position but fulfilling a call to servant leadership through the care, oversight and leadership for the flock. An Elder is an overseer of God's household which means they are a steward, charged with the care of God's family. Paul says “he must be” as he starts to list out fifteen qualifications to be an Elder. Fourteen of these qualifications are not describing gifting, but the character of an Elder that is needed to be an overseer of God's family. Lastly, Paul says an Elder must be able to teach sound doctrine. 1 Timothy 3:1 “What I say is true: Anyone wanting to become an overseer desires a good work. 2 An overseer must not give people a reason to criticize him, and he must have only one wife. He must be self-controlled, wise, respected by others, ready to welcome guests, and able to teach. 3 He must not drink too much wine or like to fight, but rather be gentle and peaceable, not loving money. 4 He must be a good family leader, having children who cooperate with full respect. 5 (If someone does not know how to lead the family, how can that person take care of God's church?) 6 But an elder must not be a new believer, or he might be too proud of himself and be judged guilty just as the devil was. 7 An elder must also have the respect of people who are not in the church so he will not be criticized by others and caught in the devil's trap.” – 1 Timothy 3:1-7 NCV Titus 1:5 “I left you in Crete so you could finish doing the things that still needed to be done and so you could appoint elders in every town, as I directed you. 6 An elder must not be guilty of doing wrong, must have only one wife, and must have believing children. They must not be known as children who are wild and do not cooperate. 7 As God's managers, overseers must not be guilty of doing wrong, being selfish, or becoming angry quickly. They must not drink too much wine, like to fight, or try to get rich by cheating others. 8 Overseers must be ready to welcome guests, love what is good, be wise, live right, and be holy and self-controlled. 9 By holding on to the trustworthy word just as we teach it, overseers can help people by using true teaching, and they can show those who are against the true teaching that they are wrong.” – Titus 1:5-9 NCV “I exhort the elders among you as a fellow elder and witness to the sufferings of Christ, as well as one who shares in the glory about to be revealed: 2 Shepherd God's flock among you, not overseeing out of compulsion but willingly, as God would have you; not out of greed for money but eagerly; 3 not lording it over those entrusted to you, but being examples to the flock. 4 And when the chief Shepherd appears, you will receive the unfading crown of glory. 5 In the same way, you who are younger, be subject to the elders. All of you clothe yourselves with humility toward one another, because ‘God resists the proud but gives grace to the humble.'” – 1 Peter 5:1-5 CSB (Peter to the elders) Elders are shepherds of God's flock and in caring for them, they are to watch over them and care for them with a servant's heart. An Elder leads God's flock, not by what they get out of it, but by giving to others and being a living example of how to live a Godly life marked by humility. “Be on guard for yourselves and for all the flock of which the Holy Spirit has appointed you as overseers, to shepherd the church of God, which he purchased with his own blood.” – Acts 20:28 CSB (Paul to the Ephesian elders) context of Acts 20:17-30 Giving “attention to prayer and the ministry of the word.” – Acts 6:3-4 NIV What is an elder? 1. Born again Jesus follower, water baptized, received the Holy Spirit, committed to a local church. 2. Having been assessed to meet the requirements of 1 Timothy 3:1-7, Titus 1:5-9, and faithful in the directives of 1 Peter 5:1-5, Acts 20:28 3. Proven to have been faithful in serving and solid in the teaching of Scripture, not new to this. 4. Set into the team of overseers of God's household which means they are a steward, charged with the care of God's family. 5. Giving attention to prayer. & Ready to pray for the healing of the sick. 6. Being able to teach sound doctrine, a pastor/teacher with a shepherd's heart, for the equipping of the believers to do the work of the ministry. 7. Living like Jesus in lifestyle of integrity, as an example. What is an elder not? 1. A boss using coercion. 2. Free to do whatever they want, however they want. 3. A lifetime appointee. What should we do? 1. Gladly receive & respect our elders, according to Scripture. 2. Pray for their stewardship of our local church. 3. Pray for the expansion of the Jesus Movement thru us. 4. Express gratitude to each person who serves our church.
Message from Pastor Lynn on February 15, 2026
Jerry Norton and Brent Daniels break down the essential pre-qualification framework that prevents investors from wasting time on unmotivated sellers. Brent highlights the "four pillars" of every quality conversation, explaining how to simplify complex negotiations into a streamlined process for finding deals.From mastering the art of "mirroring and matching" a seller's tone to understanding why you should almost never see a property before making an offer, this episode provides a masterclass in lead conversion. Brent shares real-world examples of how sellers will trade equity for speed and convenience when you solve their specific problems. Check out the TTP Training Program for more information.---------Show notes:(0:30) Beginning of today's episode(1:10) Why talking to sellers is the single most important skill in wholesaling (2:44) The "I'm coming right over" trap: Why running to every house leads to burnout (4:28) Mirroring and matching: Using non-verbal cues to build rapport and trust (6:24) Pillar #1: Condition—Using open-ended questions about kitchens and baths to gauge the house (8:13) Why "time kills all deals" and why you shouldn't wait for a walkthrough to make an offer (9:54) Pillar #2: Timeline—How to identify high motivation using the 14-to-30-day closing window (10:33) The "Magic Wand" question: Finding out where a seller is moving next (11:49) Pillar #3: Motivation—A Scottsdale case study on a $150,000 discount (12:54) Pillar #4: Price—The "Net Offer" strategy and why the seller should always name their price first (15:05) Final encouragement: Solving problems for the 5-10% of the market in distress ----------Resources:Follow Jerry Norton for more flipping and wholesaling strategies To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?
Liberty Wrestling is entering a new chapter — and Airey Bros Radio is going belly-to-belly with the new Head Wrestling Coach of Liberty University, Chris Williamson.Coach Williamson returns to Lynchburg after six seasons under legendary coach Jesse Castro, during a run that included NCWA team titles, All-Americans, national champs, and elite academic standards. Before coming back, he built Cornerstone University's inaugural wrestling program into a Top-25 NAIA contender, producing 12 NAIA qualifiers and 3 All-Americans.In this episode, we go deep on what recruits, parents, and coaches need to understand right now:Why “D1 or bust” is often the wrong mindset (especially with today's NCAA landscape)How Liberty helped redefine “club wrestling” and why the NCWA is legitWhat fully-funded actually means in the NCWA world (fundraising, support, scholarships)Recruiting education: parents' misconceptions, badges, stigma, and real opportunityFaith-based culture, standards, leadership, and building men beyond wins/lossesCoach's journey: Messiah (NCAA D3) → Liberty → Cornerstone (NAIA) → back to LibertyPostseason outlook + who to watch as Liberty gears up for March
Wine Selection French Vinchot (mulled wine) - the last of a homemade batch from the holidays Episode Description Political scientist and paralegal Desiree Collado joins Jessica Yanez for an urgent conversation about Latino identity, political power, and community protection. With over 30 years of experience and work with the United Nations, Desiree breaks down the current political landscape and provides practical guidance for navigating uncertain times. Desiree Collado is a Dominican-American political scientist and paralegal with 30+ years of experience. She has worked with UN ambassadors on international resolutions and is dedicated to preserving Latino narratives and advancing understanding of the Latine experience. Guest Bio Desiree Collado is a Dominican-American political scientist and paralegal with 30+ years of experience. She has worked with UN ambassadors on international resolutions and is dedicated to preserving Latino narratives and advancing understanding of the Latine experience. Timestamps & Topics [00:00:00] Introduction Jessica introduces the urgency of today's conversation Why this episode focuses on current political events [00:04:00] Growing Up Between Two Worlds [00:12:00] Assimilation vs. Identity [00:16:00] Living on the Hyphen [00:23:00] Military Service & Exploitation [00:26:00] Anger as a Love Language [00:28:00] The GOP Strategy: Repetition [00:29:00] Plan, Don't Panic [00:37:00] Credentials & Qualifications [00:42:00] Latino Political Power [00:45:00] They Colonized the Rich [00:48:00] Venezuela Discussion [00:57:00] The Identity Crisis Continues [01:03:00] Optimism for the Next Generation [01:06:00] This Cannot Last Long [01:09:00] Practical Safety Tips [01:13:00] Minnesota Police Officers Stopped by ICE [01:16:00] Final Call to Action Connect with Desiree Instagram: @MadiDez (follow stories for sourced political analysis)
Welcome to Raw Doggin with Dom and Friends With Benefits as they Host WWE RAW ON NETFLIX Watch Party!!! as the Qualifications for the Men's & Women's Elimination Chamber begins and we also have...WWE World Tag Team Championship - The Usos (c) Vs The Alpha AcademyNattie Vs Maxxine DupriMen's & Women's Elimination Chamber Qualifications MatchesPenta Vs Austin Theory Vs LA KnightRhea Ripley Vs Ivy Nile Vs Lyra Valkyria And much more!!Make sure you subscribe to our channel and welcome to the party!!!Don't watch RAW alone come join us!!!==================================Find us wherever you find Circle Of Debatehttps://linktr.ee/CircleOfDebate==================================The Wrestling Delorean Podcasthttps://linktr.ee/wrestlingdeloreanpo..==================================Get your TRWT Merch at the Link belowhttps://trwtmerch.threadless.com/==================================For all sports news, & entertainment news, pro wrestling & more go to https://gamebreakersports.com/==================================GETCHO PODCAST https://linktr.ee/getchopodcast#wwerawlivetoday #wwerawlive #wwerawnetflix #wwerawhighlights #wweraw #wwe #prowrestlingcommunity #wrestlingnews #prowrestling #wrestlingshow #wrestlingnewsnow #sportsentertainment #wrestling #prowrestlingnews #wrestlingcommunity #wrestlingnewsofficial #wrestlingnewsnow #wrestlingpodcast #prowrestlingpodcast #wrestlingtalk #prowrestlingtalk #losangelesprowrestlingpodcast #newyorkprowrestlingpodcast #chicagoprowrestlingpodcast #circleofdebate #tripleh #wwehighlights #wrestlingnetwork #wrestlingnewsandrumors #wrestlingnation #thejudgmentday #thenewday #dominikmysterio #finnbalor #raquelrodriguez #roxanneperez #rusev #sheamus #bronbreakker #bronsonreed #paulheyman #sethrollins #jeyuso #gunther #penta #thenewday #rusev #elgrandeamericano #ajstyles #dragonlee #finnbalor #jdmcdonagh #kairesane #asuka #iyosky #rhearipley #penta #cmpunk #sethrollins #gunther #naomi #rhearipley #iyosky #beckylynch #stephanievaquer #romanreigns #sethrollins #cmpunk #ajlee #stephanievaquer #rhearipley #iyosky #beckylynch #maxxinedupri #ajlee #becky #dominikmysterio #paulheyman #bronbreakker #bronsonreed #solosikoa #penta #nikkibella #ajlee #gunther #dominikmysterio #cmpunk #jevonevans #gunther #ajstyles #bronbreakkerAsk
The sermon centers on the biblical qualifications and divine calling of church leaders, particularly elders, as outlined in Titus 1:5–9, emphasizing that leadership in the church is a sacred, God-ordained responsibility requiring both moral integrity and spiritual maturity. It underscores that elders must be above reproach—not sinless, but free from habitual sin—married to one wife, with believing children, and marked by virtues such as hospitality, self-control, and devotion to sound doctrine, while avoiding traits like greed, anger, or rebellion. The passage highlights that leadership is not elected but discerned through godly character and spiritual gifts, with the ultimate purpose of shepherding the flock, teaching sound doctrine, and defending the faith with biblical authority. The sermon also broadens the call to all believers, affirming that every Christian is a herald of the gospel, commissioned by Christ to make disciples and proclaim His truth, making the mission of the church a collective, Spirit-empowered endeavor. Ultimately, the message affirms that God uses flawed, redeemed individuals—like Peter, Paul, and Augustine—to accomplish His purposes, and that true leadership is sustained not by human strength but by divine grace.
Squash Player Magazine's one and only Mike Dale is back on the pod for episode 387 — a long-overdue catch-up. The last time Mike joined us was a couple of years ago, recorded during his daughter's swim practice. This time, we reconnect in the aftermath of a house move and turn our attention to something far bigger: squash's road to the LA 2028 Olympic Games. With just 16 spots available in both men's and women's events, Mike breaks down the proposed Olympic qualification pathway, what it means for players, nations, rankings, and the competitive realities that come with such a limited field. We talk structure, timelines, and the inevitable questions and challenges that sit beneath the headline announcements. As always with Mike, it's informed, clear, and grounded in the realities of the professional game — cutting through the noise and focusing on what actually matters. #squashplayermagazine #weareopensquash #squashify
Try the BibleACTS app!: https://bibleacts.goodbarber.app Or try Online Bible College here: https://5lxiiva.pushpress.com/open/interested In this episode, we continue our verse-by-verse teaching through 1 Timothy 3:8–9, turning our focus to deacons — who they are, what they do, and why their role matters in the life of the church. We explain what Scripture teaches about the office of deacon, how it differs from pastors/overseers, and why the qualifications for deacons are intentionally less severe, yet still serious and meaningful. In this episode, we discuss: What a deacon is and their biblical role in the church How deacons serve differently than pastors and elders Why the qualifications for deacons are distinct from pastoral qualifications The meaning behind “not given to wine” vs. “not given to much wine” Why character still matters deeply, even in non-teaching leadership roles This episode is especially helpful for: Churches establishing or evaluating deacons Deacons and those aspiring to serve Pastors and church leaders seeking biblical clarity Believers wanting to understand church structure from Scripture Subscribe for more verse-by-verse Bible teaching, biblical theology, and practical conversations about church leadership.
Ohr HaChaim explains the three ingredients required to recieve and absorb the Torah
Stop Proving You're Enough and Start Being YouSummaryWhat if 2026 wasn't about doing more, but finally being who you really are?In this episode, Heather Masters shares how shame at identity level quietly drives us to collect qualifications, achievements, and approval in an endless attempt to “earn” our worth.From Christmas romance novels to three coaching certifications and a November burnout wall, she reveals why 95% commitment to yourself isn't commitment at all – it's self-deception dressed as responsibility.You'll hear how to stop building a CV and start building a self, and what changes when you stop keeping your old life as an option.What's InsideThe “girlie fiction” reading binge that revealed a deeper truth about women finally dropping the script and choosing who they really are.Why so many of us live with one hand on the past – an old identity, story, or safety net – even while saying we want change.The uncomfortable truth: “Ninety-five percent commitment is not commitment. It's self-deception dressed as responsibility.”Heather's story of collecting qualifications “like oxygen” – three coaching certifications and countless trainings – in an attempt to feel legitimate and enough.How identity-level shame (“I'm not enough”, “I am unforgivable”) fuels achievement addiction, perfectionism, over-functioning, and people-pleasing.The moment she hit “the wall of doom” with doing, and realised she was building a CV, not a self.The 2026 question: Who would you be if you stopped keeping the old life – and the old story – as an option?A gentle experiment to close the gap between 95% and 100% commitment to the life you actually want.Invitation into a free 5-day email course, “Dismantling ‘I Am Not Enough'”, for women ready to start dismantling this belief at the root.Chapters:00:09 - Diving into Girly Fiction02:39 - Letting Go of the Old Life06:16 - The Journey to Wholeness08:54 - Breaking Free from Shame and Identity11:07 - Embracing Authenticity14:55 - Dismantling the Belief of Not Being EnoughThree Core TruthsYou can't achieve your way into wholeness.Qualifications, titles, and gold stars can't fix an identity wound – they only distract you from it for a few weeks at a time.Ninety-five percent commitment is not commitment.Keeping your old life and identity as...
Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility. The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education. Corey Coates 0:29 since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 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 Speaker 1 1:14 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 1:30 Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful. Keith Weinhold 6:52 Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose. Keith Weinhold 11:38 Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver. Keith Weinhold 15:45 Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests. Keith Weinhold 16:54 You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge Caeli Ridge 17:16 my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir. Keith Weinhold 17:23 And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't. Caeli Ridge 17:58 I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it. Keith Weinhold 20:21 This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know? Caeli Ridge 21:17 So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional Keith Weinhold 22:40 for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on, Caeli Ridge 23:01 yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff, Keith Weinhold 23:44 you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs. Caeli Ridge 24:15 Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate. Keith Weinhold 25:30 So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans. Caeli Ridge 26:03 Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it. Keith Weinhold 26:53 We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right? Caeli Ridge 27:24 Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip. Keith Weinhold 28:31 Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer. Caeli Ridge 29:04 Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through. Keith Weinhold 29:39 Why would someone use a bridge loan, rather than a fix and flip loan. Caeli Ridge 29:43 So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to Keith Weinhold 30:17 the bridge loan gives you the advantage of speed, but that speed can come at a cost. Caeli Ridge 30:22 Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14% Keith Weinhold 30:30 so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold Keith Weinhold 31:06 mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com Keith Weinhold 32:08 you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989, Keith Weinhold 33:19 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Blair Singer 33:53 this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream. Keith Weinhold 34:09 Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know Caeli Ridge 34:29 I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take Keith Weinhold 36:39 gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it. Caeli Ridge 37:22 Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category. Keith Weinhold 38:35 Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors Caeli Ridge 39:03 absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations. Keith Weinhold 39:50 Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here? Caeli Ridge 40:10 Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective, Keith Weinhold 41:43 why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental? Caeli Ridge 41:49 You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor. Keith Weinhold 42:13 That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals? Caeli Ridge 42:18 Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term. Keith Weinhold 42:33 Now, are there any particular markets that lenders want to avoid with short term rental loans? Caeli Ridge 42:39 No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction. Keith Weinhold 43:12 Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you? Caeli Ridge 43:36 I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing Keith Weinhold 44:07 well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge. Caeli Ridge 44:30 My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by Keith Weinhold 45:24 It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone Caeli Ridge 45:32 can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com Keith Weinhold 45:49 and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show. Caeli Ridge 46:09 Thank you, Keith. I appreciate you. Keith Weinhold 46:16 Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 2 50:01 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 50:30 The preceding program was brought to you by your home for wealth building, getricheducation.com
Matt Slick Live (Live Broadcast of 01/30/2026) is a production of the Christian Apologetics Research Ministry (CA RM). Matt answers questions on topics such as: The Bible, Apologetics, Theology, World Religions, Atheism, and other issues! You can also email questions to Matt using: info@carm.org, Put "Radio Show Question" in the Subject line! Answers will be discussed in a future show. Topics Include: Matt Discusses "Physicalism" and its Heretical Implications/ What Comes First, Salvation or Works?/ One Mail and One Female Pastor at The Same Church?/Qualifications of an Elder/ What About Jude 4-Certain Persons Creeping in Unaware?/ Should The Bible be Sold as a Book?/ What About The Sabbath Day?/ Homosexuality Promoted in The Church?/ January 30, 2026
Dave Hendrick looks at all the LFC related news & gossip. Today he looks at the game last night, and potential opponents for Liverpool in the CL. He also looks at Arne Slot's comments in the press conference. Learn more about your ad choices. Visit podcastchoices.com/adchoices
This week, Roger and I discuss the answer to a frequently-asked question - how does one become a financial adviser? Clearly Roger and I make it look like a sexy profession, but as you can imagine, we have lots to say on the subject… Shownotes: https://meaningfulmoney.tv/session606 01:47 - What People Think Financial Advisers Do (and Why That's Incomplete) 07:25 - The Structure of a Modern Advice Firm 17:29 - Career Progression 22:31 - Qualifications and Regulation (The Reality, Not the Myth) 29:14 - Routes Into the Profession 37:20 - The Economics of Advice (High-Level) 46:39 - Who the HARD Side Will Appeal To
In this episode, I'm joined by Steve Harding, Senior Vice President of Sales EMEA at SalesLoft and global sales leader, for a deep dive into how AI is reshaping the revenue workflow. We cut through the hype to uncover the real value AI brings to sales teams, from serving as the "air traffic control" for overwhelmed account executives to accelerating pipeline creation through smarter signal prioritization. Steve shares powerful examples from his own organization, unveils practical AI use cases for prospecting and deal progression, and emphasizes the importance of keeping the human touch front and center. Tune in for candid stories and fresh perspectives on how sales teams can successfully adopt AI, avoid common mistakes, and leverage technology to enhance, not replace, the vital role of human judgment and relationship-building in sales. Outline of This Episode 00:00 AI-driven sales productivity insights. 08:08 Human-centric sales in the AI era. 10:42 Content overload challenges modern buyers. 15:48 AI-powered sales insights. 19:13 AI integration in sales workflow. 20:27 AI-driven customer outreach automation. AI in the Revenue Workflow: Separating Value from Hype Today, sales teams are inundated with tools and data, making the challenge not just about having information, but about managing it. AI has the potential to become the air traffic controller, helping teams delegate, automate, and prioritize effectively. AI's most meaningful contribution is compressing "time to insight." Instead of manually sifting data or waiting for CRM updates, AI delivers actionable guidance at critical moments in a seller's workflow. Steve outlines how, at SalesLoft, AI is integrated directly into their platform, which helps account executives instantly recognize the next best action and act at the right time. This isn't just theoretical. For example, teams can now pick up signals, both internal, like website activity or content downloads, and external, like missed payments, that indicate where attention is needed. AI then helps sort and prioritize these signals, recommending actions and automating follow-up tasks so teams spend time where it counts. The result: improved productivity and responsiveness, and ultimately, healthier pipelines. AI that Boosts Prospecting, Qualification, and Deal Progression What does this look like in practice? Steve shares a recent exercise at SalesLoft when they analyzed every major win and loss across markets and segments, mining rich interaction data captured in their system. When they fed this into the AI, they discerned clear themes that differentiated wins from losses. The findings informed improvements to their sales process, especially around discovery intent, giving teams concrete cues that new hires and veterans alike could watch for. This real-world application of AI proved results, boosting win rates and adding confidence, context, and clarity to team conversations while preserving the all-important human connection. The Human Element - Where Judgment Still Matters Most Despite the buzz, AI is not a panacea for sales relationships. At the end of the day, sales is a human-centric activity, Steve explains. AI serves best as a "wingman or copilot." It can automate certain workflows, but when the conversation gets nuanced, or the stakes are high, whether it's handling objections or building deep trust, a human's judgment, empathy, and experience remain irreplaceable. Buyers are showing up more informed, or misinformed, than ever before. But the proliferation of high-quality marketing content has led to confusion and caution. Salespeople must now help buyers navigate this information landscape and overcome the "fear of messing up", a challenge that can't be solved by algorithms alone. What missteps do organizations make with AI rollouts? Steve stresses two dangers: Expecting AI to perform beyond the skill level of a company's most junior rep. Failing to keep humans "in the loop", validating and verifying a system's outputs. Instead, AI should recommend and automate, not dictate, with human oversight at every critical juncture. It's the old wisdom: "Trust but verify." As sales leaders consider integrating AI into pipeline generation or deal execution, Steve recommends starting with the pain points, not the tech itself. Ask where reps are wasting time, then target AI to solve those problems. Then, using AI within your systems, not on the edge (like ad hoc Copilot or OpenAI research). This keeps valuable intel connected to your CRM. While you're doing this, it's important to keep a human in the loop to protect your relationships and reputation. Where AI and Human Skill Combine for Better Outcomes One standout example is nurturing relationships when key contacts change roles or organizations. AI tools can track these moves and trigger a personalized, multi-step outreach campaign, congratulations on LinkedIn, followed by an email and a phone call. This blend of automation and personal touch lets teams act at scale, re-engage valuable advocates, and build pipeline opportunities that would be nearly impossible to manage manually. AI is transforming sales workflows, but not by replacing humans. Use AI as an intelligent copilot to prioritize, automate, and scale, but never lose sight of the human skills of empathy, and judgment. Connect with Steve Harding Steve Harding on LinkedIn Salesloft Connect With Paul Watts LinkedIn Twitter Subscribe to SALES REINVENTED Audio Production and Show Notes by PODCAST FAST TRACK https://www.podcastfasttrack.com
Jérôme Rothen se chauffe contre un autre consultant, un éditorialiste ou un acteur du foot.
There are many false teachers on social media who are making foolish statements about race, culture, and marriage, saying things like, “interracial marriage isn't a sin, it's just not ideal,” or “it's fine to tell your white daughter she shouldn't marry a solid Christian black man because you want grandchildren who look like you.” These wolves are not just giving bad advice; they are attacking the heart of the gospel, not because the gospel requires you to marry someone from a different culture or “race”, but because it commands you to prioritize spiritual matters over physical concerns. Most people don't have the luxury of choosing between two or more identical spiritually-qualified life partners. And the last thing you should do in such a situation is make physical matters primary. And we should not think this is a new debate. It has been going on for some time in different forms, and though now its proponents are trying to soften it from the openBob Jones University position, which banned interracial dating until 2008 by claiming it was against God's design. So here's the question: Is there any actual Scriptural support for their idea?Timecodes00:00:00 Leaders Pushing This00:08:32 Qualifications for Marriage00:16:04 Moses' Marriage00:22:58 Christ's Marriage00:28:52 Ruth's Marriage00:33:02 What Is Race?00:49:28 Is It Unwise?00:54:00 Biblical Law00:57:29 Christian Culture01:08:35 Punishment for Foreign WivesProduction of Reformation Baptist Church of Youngsville, NCPermanent Hosts - Dan Horn, Charles Churchill and Joshua HornTechnical Director - Timothy KaiserTheme Music - Gabriel Hudelson
In this two-part RMR Training Podcast episode, Rich Ryan is joined by Meg Jacoby and Matt Mason (HYROX Rundown) to break down HYROX race preparation, long-term training progress, mindset, tapering, and the new HYROX elite qualification system.Learn how to build confidence for race day, avoid overtraining, and understand how the updated points system impacts elite and emerging athletes.Intro + Meg Jacoby (Training & Race Prep)00:00 – Welcome to the RMR Training Podcast03:45 – Why confidence comes from long-term consistency10:12 – Tapering mistakes athletes make before race day18:30 – When to push intensity vs when to pull back28:40 – Overtraining, recovery, and trusting your body41:15 – Mental prep: calming the mind before race day52:10 – Why “more work” isn't better (and usually hurts performance)58:30 – Introducing Matt Mason & The HYROX Rundown1:01:45 – Why HYROX changed the elite qualification system1:09:20 – How the new points-based system actually worksMatt Mason (HYROX Qualification System & Sport Breakdown)
Matthew 5:3-12 When it comes to "living the revolution" the question arises - for whom is the revolution good news? Who gets to join in - and who is excluded? So, from the outset of His revolutionary invitation, Jesus makes it clear - even those who have been discarded and set aside socio-culturally are able to join Him in turning the world right side up. But, it will come at cost - they, once joined, can no longer define themselves by exclusion! Qualification is in Jesus' hands - not theirs. And so is the mission to which He sends us. By Bill Dogterom
The health of the church is dependent on the biblical qualifications, focus, and example of its leaders. Pastor Micah preaches at King's Cross Church.
Worship Service
James Leudeke - The Qualifications of an Elder by Northwest Church of Christ
Bill Fairman is a best-selling author, national speaker, and seasoned entrepreneur with 30+ years in private lending and real estate. A longtime AAPL member featured in multiple industry publications, he co-authored Drive to Success and believes strong relationships and learning from mistakes are the foundation of lasting success. As Co-Founder of Carolina Capital, Bill helps professionals preserve and grow their wealth through real estate–backed private lending. With over 11 years of strong fund performance and long-term investor loyalty, his firm is known for capital preservation, consistent returns, and transparent management. He works with accredited investors, high-net-worth individuals, and financial professionals. Recognizing that many rely too heavily on the stock market and want passive diversification, Bill offers a proven, hands-off approach to real estate investing. His mission is to help clients build stable, long-term financial legacies, and he welcomes investors to connect and explore the opportunities available through Carolina Capital. During the show we discuss: The types of real estate investment loans Carolina Capital offers, including fix-and-flip, construction, and multifamily financing How hard money and private lending work for real estate investors Why private lending often outperforms traditional banks for speed, flexibility, and deal execution Qualification requirements and what lenders evaluate when approving investment loans How fast closings and financing up to 100% of purchase and rehab costs help investors scale Key risks real estate investors face and how Carolina Capital helps mitigate them The value of partnering with an experienced lender that provides guidance beyond capital Resources:https:/billfairman.com https://carolina.fund/
Let's Talk About Your Most Valuable Asset: Your Time Welcome back to America's #1 Daily Real Estate Podcast with Tim and Julie Harris — top international real estate success coaches and eXp Realty sponsors. If you're serious about success, it's time to align with leaders who've helped agents scale faster, attract more clients, and build lasting wealth. Ready to choose your broker or upgrade your brokerage experience? Join today at https://WhyLibertas.com/Harris or text Tim directly at 512-758-0206. Your future in real estate starts here. Crush 2026 Before It Crushes You Want more listings in 2026? Start here. Tim & Julie Harris reveal how top producers are staying ahead with smart lead generation, magnetic branding, and simple systems that keep pipelines full. Perfect for real estate agents ready to level up in 2026. Claim your spot now: https://HarrisMastermind.com If you're driving 45 minutes across town to meet a seller who is “just curious” and not planning to list for six months, you're not running a business — you're running a hobby. Every wasted appointment: Lowers your listing presentation win rate Puts you on the spot with surprises (you're competing and didn't know it, they want a price 20% above market, etc.) Trains you to tolerate low-quality business instead of distinguishing between have-to-sell sellers and testing-the-market sellers Top-producing agents don't book more appointments. They book better, pre-qualified appointments. Big Announcement Everything from today's show — including the notes — is waiting inside our Daily Newsletter. Get lead generation strategies, real estate scripts, and success plans delivered to you for free. Grab it now: https://harrisrealestatedaily.com/
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