Podcasts about rates

In this weeks episode I sit down with Dylan Dimarchi of Eventual to talk about A product that is super cool 

In this holiday-themed episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi channel the classic Heat Miser and Snow Miser characters from The Year Without Santa Claus to debate the Federal Reserve's upcoming December rate decision. From cooling shelter inflation and moderating wage growth to tariff-driven price pressures and a softening labor market, they break down the mixed signals shaping the Fed's interest rate dilemma. Mark and Odeta make the case why the Fed may lean toward some Heat Miser rate-cut warmth or adopt some Snow Miser restraint heading into 2026. Don't miss a single REconomy episode, subscribe today.  

Jeff Grubb and Jan Ochoa get together to chat about Micron shutting down and what that potentiall means for building PCs, Metroid Prime 4 requiring an Amiibo to listen to music, MLB the Show Mobile launching early in smaller markets, Death Stranding 2 getting rated by the ESRB, and more!

A boost to the copper price and weaker US jobs data improving rate cut sentiment has helped lift the Australian share market, despite stronger than expected household spending data dampening hopes of future interest rate cuts locally. In fact, markets are increasingly pricing-in rate hikes in 2026. For more on this, Stephanie Youssef spoke with Morningstar chief investment officer Matt Wacher. Plus, ASFA CEO Mary Delahunty on the superannuation peak body's latest Retirement Standard.

A former addict who spent years going in and out of jail says the only real way out is through specialist courts that treat addiction. Morning Report producer Rayssa Almeida reports.

Send us a text if you want to be on the Podcast & explain why!Want clients to say yes to higher rates without flinching? We unpack a practical, honest roadmap to charging more in 2026 by doing the one thing that always works: raising your value and proving it in the session. From smarter warmups and sharper assessments to hands-on seminars that light a fire under your coaching, this conversation tackles the skills, scripts, and mindset needed to step into premium pricing with integrity.We start with a hard look at undercharging and why it's usually a communication issue, not a market limit. Then we map the environments where $100 to $200 per hour is normal and show how to align your services with that expectation. You'll hear how to swap passive foam-rolling time for targeted prep, use a simple movement screen to personalize programming, and integrate nutrition and recovery guidance without overstepping scope. We also share a reusable script to announce your rate change, timeline it, and give clients real options: pre-purchase at current rates, sponsor your education, or join a charity workout that funds your seminar travel.Along the way, we dive into the compounding power of seminars—why two days of supervised, hands-on learning can beat months of trial and error—and how proximity to high-level coaches, physical therapists, and dietitians expands your network and your confidence. You'll get tactics to trim an energy-draining roster, consolidate your schedule, and get comfortable with “no” so you can say “yes” to better-fit clients and higher leverage work. If you're ready to turn passion into a durable career, this is your blueprint: learn, implement, communicate, increase.Subscribe for more no-fluff coaching, share this with a trainer who needs a push, and leave a review to tell us your 2026 rate goal.Want to ask us a question? Email email info@showupfitness.com with the subject line PODCAST QUESTION to get your question answered live on the show! Our Instagram: Show Up Fitness CPT TikTok: Show Up Fitness CPT Website: https://www.showupfitness.com/Become a Personal Trainer Book (Amazon): https://www.amazon.com/How-Become-Personal-Trainer-Successful/dp/B08WS992F8NASM / ACE / ISSA study guide: https://www.showupfitness.com/collections/nasm

In the final episode of our five-part series on primary progressive aphasia (PPA), Dr. Rogan Magee discusses bedside testing for PPA.  Show citations:  Grossman M, Seeley WW, Boxer AL, et al. Frontotemporal lobar degeneration. Nat Rev Dis Primers. 2023;9(1):40. Published 2023 Aug 10. doi:10.1038/s41572-023-00447-0  Gorno-Tempini ML, Hillis AE, Weintraub S, et al. Classification of primary progressive aphasia and its variants. Neurology. 2011;76(11):1006-1014. doi:10.1212/WNL.0b013e31821103e6 Santos-Santos MA, Rabinovici GD, Iaccarino L, et al. Rates of Amyloid Imaging Positivity in Patients With Primary Progressive Aphasia. JAMA Neurol. 2018;75(3):342-352. doi:10.1001/jamaneurol.2017.4309 Mandelli ML, Lorca-Puls DL, Lukic S, et al. Network anatomy in logopenic variant of primary progressive aphasia. Hum Brain Mapp. 2023;44(11):4390-4406. doi:10.1002/hbm.26388  Putcha D, Erkkinen M, Daffner KR. Functional Neurocircuitry of Cognition and Cognitive Syndromes. In: Silbersweig DA, Safar LT, Daffner KR. eds. Neuropsychiatry and behavioral neurology: principles and practice. McGraw Hill; 2021. Accessed November 6, 2025. https://neurology.mhmedical.com/content.aspx?bookid=3007§ionid=253215676  Montembeault M, Brambati SM, Gorno-Tempini ML, Migliaccio R. Clinical, Anatomical, and Pathological Features in the Three Variants of Primary Progressive Aphasia: A Review. Front Neurol. 2018;9:692. Published 2018 Aug 21. doi:10.3389/fneur.2018.00692 Clark DG. Frontotemporal Dementia. Continuum (Minneap Minn). 2024;30(6):1642-1672. doi:10.1212/CON.0000000000001506 

Fresh AI concerns getting trumped by weak jobs data fueling rate cut hopes. Two top stock picks with one common denominator. Plus, why the bottom for Bitcoin may not be in, and a pullback is a buying opportunity. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Oklahoma ranks high nationally for its pricey home insurance premiums. As climate change brings more extreme weather and inflation affects purchasing power, some look to policy changes to settle escalating insurance costs. Mentioned in this episode:Social Media tags

Last weekend, the Labour Party hosted their annual general meeting in Auckland. This week is the second scrutiny week of the year in Parliament, focused on scrutinising Government spending throughout this year.  And the Government has announced a 4% council rates rise cap. For our weekly catch-up with the Labour Party, Wie Host Caeden asked Shanan Halber about all of these topics.

In this episode of the Crypto 101 Rundown, Tevo and Brian break down a major post-Thanksgiving market rebound as Bitcoin rockets from $84K to $92K despite extreme-fear sentiment. They highlight huge bullish catalysts—Vanguard finally enabling crypto ETFs, Bank of America recommending a 1–4% allocation, and whales aggressively accumulating during the dip. The discussion also covers strengthening U.S. regulatory momentum, including the FDIC's movement on stablecoin frameworks and rising institutional adoption from JPMorgan and others. The show wraps with updates on MicroStrategy's cash moves, Ethereum's upcoming upgrade, and community favorites like Pudgy Penguins and HyperLiquid gaining traction. Get my #1 altcoin pick for this month. Check out Plus500: https://plus500.comEfani Sim Swap Protection: Get $99 Off: http://efani.comcrypto101Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comCheck out Quince: https://quince.com/CRYPTO101Check out Gemini Exchange: https://gemini.com/cardThe Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro bonus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Chapters00:00 — Show opens: markets rip post-Thanksgiving, BTC rebounds hard, and bullish news floods in.03:33 — Market scan: BTC, ETH, and SOL surge while Fear & Greed stays unusually low.05:51 — Whale wallets holding 1,000+ BTC spike, confirming heavy dip accumulation.09:24 — Vanguard shocks the industry by enabling Bitcoin, Ethereum, Solana, and XRP ETFs.17:11 — Bank of America recommends a 1–4% crypto allocation, signaling major TradFi alignment.24:21 — Sentiment talk: fundamentals remain strong as U.S. regulators and agencies turn pro-crypto.31:30 — Macro discussion: price fear vs. long-term conviction, plus reflections on past cycle psychology.43:36 — Momentum segment: Pudgy Penguins land an NHL partnership and hype tokens react to team unlocks.MERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.com* Check out Quince: https://quince.com/CRYPTO101* Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

 Headlines: – Welcome To Mo News (02:00) – White House Confirms Second Strike On Alleged Drug Boat But Denies Hegseth Gave The Order (05:40) – Prosecutors In Pretrial Hearing Play 911 Call That Led to Luigi Mangione's Arrest (11:20) – What Is The First House Rebuilt After Wildfires in Los Angeles? It's Complicated (18:00) – Some Hospitals Figured Out How to Slash C-Section Rates (20:20) – Doctor Says Trump Had Preventative Screening MRI On Heart, Abdomen With ‘Perfectly Normal' Results (22:40) – Young Workers, Eyeing Their Careers, Learn to Embrace the Office (26:20) – A Pared-Back White House Christmas — With a Trump Lego Portrait (29:00) – On This Day In History (32:00)  Thanks To Our Sponsors:  – LMNT⁠ - Free Sample Pack with any LMNT drink mix purchase –⁠ Industrious⁠ - Coworking office. 50% off day pass | Promo Code: MONEWS50 – Incogni - 60% off an annual plan| Promo Code: MONEWS – ⁠Boll & Branch⁠ – 25% off, plus free shipping | Code: MONEWS – Aura Frames -  $35 off best-selling Carver Mat frames | Promo Code: MONEWS

Give Us Your Ideas For Next The PassivePockets Summit! https://docs.google.com/forms/d/1vwcvF1z03HYiKmR3a4JN8up0ja4kgKPzG2bCGS6640c/viewform?edit_requested=true This Episode It's the November PassivePockets Pulse Check. Jim Pfeifer, Paul Shannon, and Chris Lopez share what's new in their portfolios, the real impact of the Fed's second rate cut, the tool you should use this month (sponsor reviews—now updatable), and how they're setting concrete goals for 2026. Plus: a big announcement: PassivePockets Summit is in Denver, April 30 (arrival) - May 2. Vote on sessions and networking ideas via the survey in the link above. Key Takeaways Portfolio check: capital back from an Aspen Funds industrial deal (tribe structure), 30% return of capital from a Threefold sale, and an unfortunate likely loss tied to the DJE/Ascent situation, why operator integrity and transparency matter Real deals in motion: Paul's Indiana acquisition fully subscribed (rate locked), and an Evansville 56-unit true-distress LOI/PSA walkthrough (what those terms mean and why the team thinks it's a fast operational turn) Rates: two cuts this fall (~50 bps total) boosted sentiment but barely moved longer-term agency debt; example: 7-yr Treasury + spread shifted only ~6 bps between application and lock Outlook: expect a trickle, not a tsunami, of distress into 2026 as “extend & pretend” maturities roll; bid/ask is narrowing, which may push lenders to act Tools & goals: update your Sponsor Reviews (and why “update” notes help the community); Chris is rebalancing toward private credit and Roth-powered compounding, Jim is doubling down on trusted operators and liquidity discipline, and Paul is rotating from cash/metals into equity while keeping a family financial “in case of emergency” plan current Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

In the fourth installment of our series on primary progressive aphasia (PPA), Dr. Rogan Magee discusses semantic variant PPA.  Show citations:  Grossman M, Seeley WW, Boxer AL, et al. Frontotemporal lobar degeneration. Nat Rev Dis Primers. 2023;9(1):40. Published 2023 Aug 10. doi:10.1038/s41572-023-00447-0  Gorno-Tempini ML, Hillis AE, Weintraub S, et al. Classification of primary progressive aphasia and its variants. Neurology. 2011;76(11):1006-1014. doi:10.1212/WNL.0b013e31821103e6 Santos-Santos MA, Rabinovici GD, Iaccarino L, et al. Rates of Amyloid Imaging Positivity in Patients With Primary Progressive Aphasia. JAMA Neurol. 2018;75(3):342-352. doi:10.1001/jamaneurol.2017.4309 Mandelli ML, Lorca-Puls DL, Lukic S, et al. Network anatomy in logopenic variant of primary progressive aphasia. Hum Brain Mapp. 2023;44(11):4390-4406. doi:10.1002/hbm.26388  Putcha D, Erkkinen M, Daffner KR. Functional Neurocircuitry of Cognition and Cognitive Syndromes. In: Silbersweig DA, Safar LT, Daffner KR. eds. Neuropsychiatry and behavioral neurology: principles and practice. McGraw Hill; 2021. Accessed November 6, 2025. https://neurology.mhmedical.com/content.aspx?bookid=3007§ionid=253215676  Montembeault M, Brambati SM, Gorno-Tempini ML, Migliaccio R. Clinical, Anatomical, and Pathological Features in the Three Variants of Primary Progressive Aphasia: A Review. Front Neurol. 2018;9:692. Published 2018 Aug 21. doi:10.3389/fneur.2018.00692 Clark DG. Frontotemporal Dementia. Continuum (Minneap Minn). 2024;30(6):1642-1672. doi:10.1212/CON.0000000000001506 

December marks the start of flu and COVID-19 season.Experts are worried about low vaccination rates this year. Only about 1 in 5 eligible residents have received their flu shots so far, according to recent data.We discuss what to expect for the upcoming flu and COVID-19 season. Plus, tips for staying healthy beyond vaccines.Guest:Dr. Pia Pannaraj, infectious disease specialist at Rady Children's Hospital

Are mortgage rates finally dropping? In this video, I break down the 2025/2026 housing market forecast, what the Fed is doing, and how real rates are moving right now. With 35 years of experience, my mission is simple: One application, one credit pull, and 30+ lenders competing for your business. We shop the market so you don't have to.

In this episode, Fetch.ai founder Humayun Sheikh joins Bryce and Brendan to address the fallout from the Ocean Protocol dispute, detailing how millions of tokens meant for community rewards were allegedly misappropriated. He describes the resulting legal action as a stand for fairness in decentralized governance, emphasizing that the Fetch and ASI teams remain focused on innovation. The discussion transitions to AI development, where Humayun Sheikh outlines Fetch's live ASI One platform, now powering millions of user-created intelligent agents and building toward an “AI-first” web. He concludes by previewing the upcoming ASI blockchain, optimized for AI workloads, and reaffirms his commitment to making decentralized, agent-based AI systems a global reality. Get my #1 altcoin pick for this month. Check out Plus500: https://plus500.comEfani Sim Swap Protection: Get $99 Off: http://efani.comcrypto101Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comCheck out Quince: https://quince.com/CRYPTO101Check out Gemini Exchange: https://gemini.com/cardThe Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro bonus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Chapters00:00 — Intro and setup with Humayun Sheikh returning to discuss major updates.01:45 — Overview of the ASI Alliance and why the projects merged.06:39 — Humayun explains the Ocean token controversy and alleged misappropriation.11:41 — How Ocean accessed the funds and why the DAO structure failed.15:36 — Legal framing, community impact, and why this case may set precedent.18:01 — What Humayun sees as the ideal resolution to the dispute.22:34 — Shift to progress: ASI One platform adoption and agent-based AI.26:40 — Breakdown of the AI-first tech stack and need for expert models + agents.33:41 — How ASI aims to compete with Big Tech despite resource imbalance.40:58 — Discussion on AI energy demands and future efficiency solutions.44:11 — Thoughts on Michael Burry shorting AI giants like Nvidia and Palantir.47:17 — What's coming next for Fetch.ai: ASI Chain, compute shards, and broader adoption.51:54 — Final remarks on overcoming setbacks and Fetch's long-term global AI vision.MERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101Guest Linkhttps://x.com/intent/follow?screen_name=HMsheikh4*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.com* Check out Quince: https://quince.com/CRYPTO101* Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We knew the rates cap was coming, but no one expected the government to drag it out this long. On today's episode, we dive into the plan to finally rein in council rate hikes… in 2029. That's six years after National took office. People need relief right now, not in the next political lifetime. Duncan reckons it's a great policy torpedoed by hopeless timing, and Jordan Williams from the Taxpayers' Union joins us to break down why councils are already licking their chops. With spending up, payrolls swelling, and some councils proposing record increases, the delay effectively gives them three years to pump rates even higher. We also get into the government's wider economic credibility, the slow-walked reforms, Nicola Willis' spending story, and whether this National-led government is sleepwalking toward becoming a one-term wonder. Find out why Duncan says this delay is nothing short of a masterclass in political uselessness. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Signs of a slowing economy, and speculation of a very dovish new Federal Reserve chairman in May 2026, are behind the futures market pricing in substantial rate cuts over the next year. Historically, substantially lower rates weaken the dollar and boost precious metals. Silver has made a new high and has formed what is arguably the most bullish technical pattern, William O'Neil's “cup and handle” formation. On the technology front, Alphabet's low-cost semiconductors present unexpected competition for Nvidia. Things like that will determine the performance of technology companies' share prices for the foreseeable future. Longer term, the “Holy Grail” that technology companies seek is Artificial General Intelligence - AI that thinks like a human. Its impact to humanity could be very beneficial, or deeply detrimental.

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In the third installment of our series on primary progressive aphasia (PPA), Dr. Rogan Magee discusses nonfluent/agrammatic PPA.  Show citations:  Grossman M, Seeley WW, Boxer AL, et al. Frontotemporal lobar degeneration. Nat Rev Dis Primers. 2023;9(1):40. Published 2023 Aug 10. doi:10.1038/s41572-023-00447-0  Gorno-Tempini ML, Hillis AE, Weintraub S, et al. Classification of primary progressive aphasia and its variants. Neurology. 2011;76(11):1006-1014. doi:10.1212/WNL.0b013e31821103e6 Santos-Santos MA, Rabinovici GD, Iaccarino L, et al. Rates of Amyloid Imaging Positivity in Patients With Primary Progressive Aphasia. JAMA Neurol. 2018;75(3):342-352. doi:10.1001/jamaneurol.2017.4309 Mandelli ML, Lorca-Puls DL, Lukic S, et al. Network anatomy in logopenic variant of primary progressive aphasia. Hum Brain Mapp. 2023;44(11):4390-4406. doi:10.1002/hbm.26388  Putcha D, Erkkinen M, Daffner KR. Functional Neurocircuitry of Cognition and Cognitive Syndromes. In: Silbersweig DA, Safar LT, Daffner KR. eds. Neuropsychiatry and behavioral neurology: principles and practice. McGraw Hill; 2021. Accessed November 6, 2025. https://neurology.mhmedical.com/content.aspx?bookid=3007§ionid=253215676  Montembeault M, Brambati SM, Gorno-Tempini ML, Migliaccio R. Clinical, Anatomical, and Pathological Features in the Three Variants of Primary Progressive Aphasia: A Review. Front Neurol. 2018;9:692. Published 2018 Aug 21. doi:10.3389/fneur.2018.00692 Clark DG. Frontotemporal Dementia. Continuum (Minneap Minn). 2024;30(6):1642-1672. doi:10.1212/CON.0000000000001506 

The holidays are meant to be a season of joy, generosity, and gratitude. Yet for many families, the celebrations come with a heavy dose of financial stress—stress that lingers long after the decorations are packed away. Our desire to bless others often leads to spending more than we planned. But it doesn't have to be that way.Recently, we sat down with Neile Simon, Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, to talk about how families can give meaningfully, stay within their means, and refocus on what Christmas is truly about.Creating a Realistic Holiday PlanMost people enter the holiday season with the best of intentions. We want to show love, bless others, and create special memories. But somewhere along the way, those intentions can derail.Neile explains that a mix of cultural pressures makes overspending almost effortless: holiday sales, credit card offers at checkout, “buy now, pay later” deals, and social media's endless highlight reels. Before long, the drive to be generous morphs into the belief that we must spend more to prove how much we care.And the consequences last far beyond December—financial stress, increased debt, and a January filled with regret rather than joy. The good news: overspending isn't inevitable. Neile suggests starting early and planning intentionally.1. Decide what you can truly afford. Account for all holiday expenses—gifts, food, travel, entertainment, and even small traditions that add up.2. Set a total spending limit. Let this number guide every decision throughout the season.3. Use cash or debit when possible. “When the money's gone, you're done—and that's okay,” Neile says. This simple boundary protects you from impulse spending.4. If using credit cards, treat them as tools—not the enemy. Used wisely, they can help you track your spending. The key is to stay disciplined and avoid taking on debt you can't comfortably repay.Ultimately, a budget is not a restriction—it's a path to freedom. It helps you enjoy the season without dreading the bill that arrives in January.Meaningful Giving Without OverspendingGenerosity isn't measured by price tags. In fact, the most meaningful gifts are often the simplest.Neile encourages families to focus on personal, relational giving:Handwritten notesHomemade treatsShared experiencesThoughtful, small gifts with clear intentionHer own family keeps gift-giving fun by setting spending limits and doing a white-elephant exchange. “It takes the pressure off,” she says, “and turns gift-giving into shared laughter and memory-making.”When togetherness becomes the priority over possessions, Christmas becomes both more joyful and more affordable.If You're Already in Debt, There's HopeFor families already carrying debt, Christmas can feel like a tug-of-war between generosity and financial reality. Neile offers this encouragement: give within your means—even if it means scaling back.Why? Because responsible giving protects your finances, your peace, and your future.“Think of it this way,” Neile says. “A relaxed, stress-free January is far better than stressing out after overspending in December.”Scaling back isn't failure—it's stewardship. And it models wisdom and faithfulness for your children.Refocusing on the True Meaning of ChristmasAmid the lights, the gifts, and the traditions, it's easy to lose sight of the heart of Christmas.“Christmas is a celebration of Jesus—the greatest gift ever given,” Neile reminds us. When our hearts are centered on Him, love and grace become the focus. Giving within our means allows us to celebrate joyfully, gratefully, and peacefully.And when we spend with purpose—anchored in Christ rather than consumerism—we experience a kind of joy that lasts long after the season ends.Need Help With Debt?If financial stress is weighing you down, Christian Credit Counselors can help. As a nonprofit ministry, they specialize in debt management—not debt consolidation—working directly with your creditors to lower interest rates and help clear the path toward freedom.Learn more at: ChristianCreditCounselors.org/Faith. On Today's Program, Rob Answers Listener Questions:I'm an 84-year-old retired veteran, and my wife is 81. We have a $375,000 mortgage on a $3.2–$3.4 million home, a $140,000 portfolio, a 529 with $55,000, about $100,000 in gold jewelry, $40,000 in Social Security benefits, and $15,000 in credit card debt. We're running out of money and need to tap our home equity. The VA offered a $400,000 loan, but would a HELOC or a reverse mortgage be better? Who can help us make the right decision?We're receiving a $60,000 inheritance and have $10,000 in credit card debt. Should we use some of the inheritance to pay it off, and what should we do with the rest? My husband is disabled, and we're in our 60s—so is investing any of it in the stock market wise? And should we tithe on the inheritance?I'm 65, still working full-time as a caregiver, and have about $900,000 in my 401(k). When should I start Social Security—now or when I retire in May 2026? And how do I know if I have enough saved for retirement, since I'm debt-free and have fairly basic expenses?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Finish the year strong! In this episode, Art provides six smart money moves to wrap up 2025. Plus, he answers a listener's question about refinancing their house. Rates have dropped. Is now the time to take advantage of lower rates? Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

In this episode of Turf Nerds: A Lawn Care Podcast, Evan and Greg go over pricing for fall cleanups to keep you at max profitability. Also, snow strikes! Evan has the perfect setup for snow and ice management this year. SHOW NOTES (COMING SOON)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tap Here for Turf Nerds Merch!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Look! We Have A Website!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Don't forget to check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Green Frog Web Design⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and tell them the Turf Nerds sent you. Or Greg will scalp your lawn!Use promo code TURFNERDS for 50% off Equip Expo 2026 registration!Shoot us an email! TurfNerdsPodcast@proton.me⁠⁠Instagram⁠⁠⁠⁠Facebook⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube:⁠⁠⁠https://www.youtube.com/@TurfNerdsPodcast?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#LawnCare #LawnMaintenance #Mowing #MowingGrass #LawnCareBusiness #Toro #ToroMultiforce #CubCadet #BibleStudy #Bible #Christian #Business #Entrepreneurship #Comedy #2024 #Marketing #Advertising #TipsAndTricks #Tips #Success #Yakta #YaktaMowers #YaktaOutdoor #Spring #SpringRush #FYP #Mower #NewMower #UsedMower #RouteDensity #EquipExpo #EquipExpo2024 #Echo #Stihl #RedMax #Shindaiwa #StringTrimmer #WeedWhip #GreenFrogWebDesign #WebDesign #EzraMcCarthy #Aerator #Aeration #ZAerate #Bobcat #BobcatMowers #Husqvarna #HusqvarnaGroup #HYGREENTOOL #GOMOW #ThunderLightingSupply #ChristmasLights #Christmas #Trump #DonaldTrump #PresidentTrump #ElectionDay #EZDumper #DumpInsert #StempkyNursery #Mulch #MulchInstallation #TurfNerds #Newsmax #NewsmaxTV #CarlHigbie #CharlieKirk 

"Why don't you guys police that? ... I feel like that is behavior that I kind of pay them to police and stop on their side too."   Coming at you from the Fraud Boxer in-person studio today we tackle the headache of card testing attacks and the new regulations from Visa that have everyone scrambling to keep their ratios below the 20% threshold. We break down why simply backing out duplicate transactions doesn't fix the problem and debate a hot topic in the industry: should the merchants be the ones policing this traffic, or should payment service providers step up and play bouncer before the data ever hits the network? It is a look at how bad actors use huge bot networks to guess card numbers and why your decline rates might be much higher than they appear on the surface.   But it is not all credit card schemes and fraud metrics; we also take a hard left turn into film criticism with a review of K-Pop Demon Hunters. We discuss why the movie induced tears for Cambria and introduce a fancy scientific term "frisson" to describe the goosebumps you get from a great musical finale. We wraps up with a look at the rising costs of chargeback fees, which are jumping up to seven dollars, and a very serious culinary debate regarding peppercorn sauce on steaks and whether or not seafood should actually taste like fish.   Grab a snack (preferably not a fishy one) and tune in for a mix of payment insights and questionable food opinions.

Bitcoin Price crashed ahead of Federal Reserve Chair Jerome Powell's highly anticipated speech today. Traders are watching closely because his comments could impact the next move of Bitcoin and altcoins for the next few months.~This episode is sponsored by BTCC & Mevolaxy ~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCCBoost your crypto with Mevolaxy ➜ https://bit.ly/Mevolaxy00:00 Intro00:10 Sponsor: BTCC00:50 Early morning liquidation01:00 Brutal ETF outflow03:00 Fear Exhaustion03:40 Jerome Powell set to speak tonight04:15 Trump to announce new chair soon04:50 Sponsor: Mevolaxy07:20 Mohamed El-Erian: The AI trade & Fed's next move09:45 Japan carry trade unwind11:50 De-correlation12:30 Tom Lee: Start of December could start end-year rally15:00 $MSTR ponzi?16:45 Tether FUD = Bottom in?18:00 Sony stablecoin18:40 Polymarket live in 202519:00 Shayne Coplan: Will polymarket reach 1B users in 5 years?21:20 Bitwise files AVAX ETF22:00 December stats22:50 Avg. ETF investor underwater24:00 Outro#Crypto #Bitcoin #federalreserve ~Fed Crypto Rescue Soon?

In this episode, Prof Chapman explains how modern genetic testing of embryos is dramatically improving IVF outcomes, even for patients in their mid-40s. He shares two remarkable recent cases of 44-year-old women who each produced a single embryo—both genetically normal—leading to unexpectedly high chances of pregnancy. Prof Chapman also breaks down the evolving science behind embryo screening, why mutation testing in parents matters, and the promising future of non-invasive techniques using laser reflections and culture-fluid analysis. Explore the 'Prof. Michael Chapman - The IVF Journey' Facebook Page, your reliable destination for cutting-edge insights and guidance within the realm of In Vitro Fertilization (IVF). Don't miss out on the IVF Journey podcast; stay informed with the latest episode updates. Tune in for expert discussions and valuable information on navigating the intricate path of IVF.

Councils are once again being told to start living within their means and focus on the basics, with the government releasing details of its long-awaited rates cap. Instead of a fixed cap, the government has opted to go with a target band between two and four percent, to be enforced by a regulator. Councils can appeal to go higher, but the government's already warning that would only be for the most exceptional of circumstances. Political reporter Giles Dexter spoke to Lisa Owen. 

Trying to figure out nitrogen rates can be a real head scratcher but critical thinking and discipline will help growers find the most profitable rate for their farm, says MooseAg agronomist Aaron Breimer. On this episode of Farming Forward, Breimer looks at the rules and tools he applies to determine profitable nitrogen rates and strategies... Read More

By 2029, annual increases on local council rates will have to stay between 2-4%, a target which some Mayors warn will hamstring councils. Local Government Minister Simon Watts spoke to Corin Dann.

Mayors are warning we may be charged for libraries and see price hikes for other council services as the Government puts a cap on rates rises. Gisborne District Council mayor Rehette Stoltz spoke to Corin Dann.

This week’s episode of The Chuck ToddCast dives into the full spectrum of Donald Trump’s political chaos — from a deadly Venezuela boat strike that jolted Congress awake to an explosive shooting in Washington, D.C., where Trump delivered the most divisive response imaginable. Chuck breaks down how the shooter’s surprising CIA ties, Trump’s immediate “blame game,” and his increasingly politicized rhetoric toward the military risk putting service members in harm’s way. He examines Trump’s contradictory foreign policy moves, including pardoning a cocaine-trafficking former Honduran president and a billionaire fraudster, all while saber-rattling toward Venezuela and relying on Roger Stone as his unofficial “pardon broker.” With Republicans bracing for a wave of resignations and watchdog committees gearing up for investigations, Chuck argues that the founders never intended the pardon power to be used this way — and that a constitutional fix may now be essential. Then, editor of The Dispatch, Sarah Isgur joins Chuck for a sweeping conversation about the Supreme Court, constitutional design, and the modern dysfunction of Congress. Sarah argues that SCOTUS is the only institution still operating as the founders intended—and with two major cases on the docket, the Court could soon reshape the balance of power between the executive and legislative branches. She and Chuck examine how the activist class has abandoned Congress, why long-term challenges like climate change require legislation rather than court battles, and how a dramatically expanded House—potentially 1,200 members or more—could restore true representation. They dig into how the collapse of traditional parties, the rise of communications-focused lawmakers, and the outsize influence of small states have all warped American governance. The conversation then widens into history, culture, and political “what-ifs”—from Ken Burns’ Revolutionary War documentary to the chaotic post-Lincoln era, to the tantalizing possibility that a surviving President Garfield might have accelerated civil rights by a century. Chuck and Sarah compare Obama to Chester Arthur, debate whether Democrats learned the wrong lessons from Trump, and revisit the alternate timelines of Chris Christie, Carly Fiorina, and the Tea Party. They close with a provocative question: Should the DOJ be structurally separated from the executive branch? And, more fundamentally, should it be far easier to amend the Constitution for a modern nation of 300 million people? Finally, Chuck hops into the ToddCast Time Machine to December 7th, 1941 when FDR addressed the nation via radio after Pearl Harbor, and traces the history of media fragmentation throughout the decades. He also answers listeners’ questions in the “Ask Chuck” segment and gives his college football update. Go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:00 We got the full spectrum of Trump this week 02:45 Venezuela boat strike has awoken congress from its slumber 03:15 Pete Hegseth could take the fall for war crime strike 04:00 Resignation of head of SouthCom was a flashing red light 05:45 Two national guardsmen shot in Washington D.C. 06:45 Trump’s response to shooting was most divisive possible 07:30 Surprising that shooter was Afghan employee of CIA 08:45 It’s likely shooter was mentally unstable & something triggered him 09:30 Trump immediately went into “blame game” mode after shooting 10:15 Trump’s entire political currency is division 11:00 Trump’s politicization of military risks putting target on their back 12:00 Trump blames Biden’s vetting, but administration rarely vets anything 12:45 Trump gave away everything U.S. won in Afghanistan to Taliban 14:30 Every president in the 21st century has screwed up Afghanistan 15:45 Trump tried to weaponize the shooting for political gain 17:30 Pay attention to what Trump does, not what he says 18:15 Trump pardons cocaine trafficking ex president of Honduras 19:00 Trump threatens war with Venezuela over drugs, then gives this pardon?? 20:00 Trump threatens voters of Honduras over their election 20:45 Roger Stone has become Trump’s pardon merchant 21:45 Pardon was direct result of Roger Stone’s lobbying 22:15 Trump has normalized pardoning of convicted felons 24:15 Trump pardons executive guilty of 1.6B fraud scheme 25:15 Trump’s pardons are far more corrupt than prior president’s pardons 27:30 We need a constitutional amendment to change the pardon power 28:30 Founder imagined congress would prevent abuse of pardon power 29:15 We’ll likely see 2-4 retirements per week in congress through December 30:45 Senate Armed Services committee will do thorough investigation of strike 32:15 Trump is likely to give an illegal order w/ military action in Venezuela 33:45 Trump’s coalition wanted less military intervention overseas 39:30 Sarah Isgur joins the Chuck ToddCast 41:00 SCOTUS is the only institution functioning as founders intended 41:30 SCOTUS has 2 cases that could rebalance other two branches 42:45 SCOTUS may strengthen executive while empowering congress 45:00 What if SCOTUS gives Trump everything he wants? 46:30 Activist class has given up or ignored congressional authority 47:30 You need legislation to address long term problems like climate change 49:00 The house needs to be expanded to make it more representative 51:15 The house should have 1200+ members 52:45 We replaced political parties with high dollar special interests 53:30 Members aren’t attending town halls, they’re posting on social media 56:00 The two leaders of each chamber run congress, not committee chairs 56:45 Legislators are frustrated with the broken nature of congress 58:00 Members aren’t hiring legislating staff, they hire comms staff 59:30 Boebert, AOC, MTG would be backbenchers without comms 1:01:00 Small states are getting far too much influence electorally 1:04:00 The constitution is a good ballast if we follow it and regularly amend it 1:05:00 Ken Burns was gutsy to make a doc on the American revolution 1:06:30 If you want 300 million people to follow a law, it should take time to pass 1:08:30 Death By Lightning was too short to tell the whole story 1:10:30 “Manhunt” really painted a picture of Andrew Johnson 1:11:30 Lincoln assassination was meant to upend Lincoln's administration 1:12:15 Holiday reading list 1:13:30 End of 19th century was a weird time for the U.S. presidency 1:15:30 Rehnquist’s book comments on Bush v Gore through 19th century lens 1:17:15 Thomas Jefferson impeached justices in order to get a SCOTUS rubber stamp 1:18:00 Chuck’s project to create a scripted TV show about Garfield & reconstruction 1:19:15 George Washington wanted D.C. to be the biggest port city on east coast 1:22:00 1860-1865 was a fascinating time for the city of Washington DC 1:23:30 If Garfield lived we might have gotten the Civil Rights Act 100 years sooner 1:25:00 Parallels between Obama and Chester A. Arthur presidencies 1:26:00 Democrats learning from Trump that action matters over process 1:27:00 Dems gutted their bench during Obama years 1:28:00 Obama endorsing Clinton was a massive mistake for the Democratic Party 1:30:30 GOP voters realized the “nice” candidate like Romney couldn’t win 1:32:00 Without “bridgegate”, Chris Christie may be president instead of Trump 1:33:30 Chris Christie is a wildly talented politician, but mismanaged era with his shot 1:35:00 The Tea Party energy in GOP could have derailed Christie’s ambitions 1:36:15 Christie derailed Carly Fiorina’s campaign in 2016 1:37:30 Should DOJ be detached from the executive branch? 1:40:00 Founders never specified how many justices should be on SCOTUS 1:42:45 Ford pardon was a huge mistake, created protected political class 1:44:15 Where to find Sarah’s work 1:45:30 It should be easier to pass constitutional amendments 1:49:00 Chuck’s thoughts on interview with Sarah Isgur 1:49:45 ToddCast Time Machine - December 7th, 1941 1:50:30 The shock of Pearl Harbor is almost gone from living memory 1:51:00 Pearl Harbor showed the power of shared media experience 1:52:00 Radio was the height of communal media 1:52:15 December 1945, FCC gave massive expansion of FM radio 1:53:00 FM created the first fragmentation of media 1:54:00 Summer of 1980, Walkman introduced personalization in media 1:55:30 The Walkman was the beginning of mass media fragmentation 1:57:30 By 1990, 40% of minutes listened in the car weren’t radio 1:58:15 Radio never recovered from the Walkman 1:58:45 Streaming and social are diminishing TV & cable 1:59:30 For Americans under 60, almost all media consumption is on smartphones 2:02:00 Ask Chuck 2:02:15 Love for “The Barn” and the book recommendations 2:05:30 Is there any hope for a return to respectful bipartisan discourse? 2:11:15 Should we consider distributing presidential roles & diluting power? 2:16:00 What benefits do members of congress receive after leaving? 2:21:00 College football updateSee omnystudio.com/listener for privacy information.

This week’s episode of The Chuck ToddCast dives into the full spectrum of Donald Trump’s political chaos — from a deadly Venezuela boat strike that jolted Congress awake to an explosive shooting in Washington, D.C., where Trump delivered the most divisive response imaginable. Chuck breaks down how the shooter’s surprising CIA ties, Trump’s immediate “blame game,” and his increasingly politicized rhetoric toward the military risk putting service members in harm’s way. He examines Trump’s contradictory foreign policy moves, including pardoning a cocaine-trafficking former Honduran president and a billionaire fraudster, all while saber-rattling toward Venezuela and relying on Roger Stone as his unofficial “pardon broker.” With Republicans bracing for a wave of resignations and watchdog committees gearing up for investigations, Chuck argues that the founders never intended the pardon power to be used this way — and that a constitutional fix may now be essential. Finally, Chuck hops into the ToddCast Time Machine to December 7th, 1941 when FDR addressed the nation via radio after Pearl Harbor, and traces the history of media fragmentation throughout the decades. He also answers listeners’ questions in the “Ask Chuck” segment and gives his college football update. Go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:00 We got the full spectrum of Trump this week 02:45 Venezuela boat strike has awoken congress from its slumber 03:15 Pete Hegseth could take the fall for war crime strike 04:00 Resignation of head of SouthCom was a flashing red light 05:45 Two national guardsmen shot in Washington D.C. 06:45 Trump’s response to shooting was most divisive possible 07:30 Surprising that shooter was Afghan employee of CIA 08:45 It’s likely shooter was mentally unstable & something triggered him 09:30 Trump immediately went into “blame game” mode after shooting 10:15 Trump’s entire political currency is division 11:00 Trump’s politicization of military risks putting target on their back 12:00 Trump blames Biden’s vetting, but administration rarely vets anything 12:45 Trump gave away everything U.S. won in Afghanistan to Taliban 14:30 Every president in the 21st century has screwed up Afghanistan 15:45 Trump tried to weaponize the shooting for political gain 17:30 Pay attention to what Trump does, not what he says 18:15 Trump pardons cocaine trafficking ex president of Honduras 19:00 Trump threatens war with Venezuela over drugs, then gives this pardon?? 20:00 Trump threatens voters of Honduras over their election 20:45 Roger Stone has become Trump’s pardon merchant 21:45 Pardon was direct result of Roger Stone’s lobbying 22:15 Trump has normalized pardoning of convicted felons 24:15 Trump pardons executive guilty of 1.6B fraud scheme 25:15 Trump’s pardons are far more corrupt than prior president’s pardons 26:30 We need a constitutional amendment to change the pardon power 29:30 Founder imagined congress would prevent abuse of pardon power 28:15 We’ll likely see 2-4 retirements per week in congress through December 29:45 Senate Armed Services committee will do thorough investigation of strike 31:15 Trump is likely to give an illegal order w/ military action in Venezuela 32:45 Trump’s coalition wanted less military intervention overseas 38:45 ToddCast Time Machine - December 7th, 1941 39:30 The shock of Pearl Harbor is almost gone from living memory 40:00 Pearl Harbor showed the power of shared media experience 41:00 Radio was the height of communal media 41:15 December 1945, FCC gave massive expansion of FM radio 42:00 FM created the first fragmentation of media 43:00 Summer of 1980, Walkman introduced personalization in media 44:30 The Walkman was the beginning of mass media fragmentation 46:30 By 1990, 40% of minutes listened in the car weren’t radio 47:15 Radio never recovered from the Walkman 47:45 Streaming and social are diminishing TV & cable 48:30 For Americans under 60, almost all media consumption is on smartphones 51:00 Ask Chuck 51:15 Love for “The Barn” and the book recommendations 54:30 Is there any hope for a return to respectful bipartisan discourse? 1:00:15 Should we consider distributing presidential roles & diluting power? 1:05:00 What benefits do members of congress receive after leaving? 1:10:00 College football updateSee omnystudio.com/listener for privacy information.

On today’s Chuck ToddCast, editor of The Dispatch Sarah Isgur joins Chuck for a sweeping conversation about the Supreme Court, constitutional design, and the modern dysfunction of Congress. Sarah argues that SCOTUS is the only institution still operating as the founders intended—and with two major cases on the docket, the Court could soon reshape the balance of power between the executive and legislative branches. She and Chuck examine how the activist class has abandoned Congress, why long-term challenges like climate change require legislation rather than court battles, and how a dramatically expanded House—potentially 1,200 members or more—could restore true representation. They dig into how the collapse of traditional parties, the rise of communications-focused lawmakers, and the outsize influence of small states have all warped American governance. The conversation then widens into history, culture, and political “what-ifs”—from Ken Burns’ Revolutionary War documentary to the chaotic post-Lincoln era, to the tantalizing possibility that a surviving President Garfield might have accelerated civil rights by a century. Chuck and Sarah compare Obama to Chester Arthur, debate whether Democrats learned the wrong lessons from Trump, and revisit the alternate timelines of Chris Christie, Carly Fiorina, and the Tea Party. They close with a provocative question: Should the DOJ be structurally separated from the executive branch? And, more fundamentally, should it be far easier to amend the Constitution for a modern nation of 300 million people? Go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Timeline: (Timestamps may vary based on advertisements) 00:00 Sarah Isgur joins the Chuck ToddCast 01:30 SCOTUS is the only institution functioning as founders intended 02:00 SCOTUS has 2 cases that could rebalance other two branches 03:15 SCOTUS may strengthen executive while empowering congress 05:30 What if SCOTUS gives Trump everything he wants? 07:00 Activist class has given up or ignored congressional authority 08:00 You need legislation to address long term problems like climate change 09:30 The house needs to be expanded to make it more representative 11:45 The house should have 1200+ members 13:15 We replaced political parties with high dollar special interests 14:00 Members aren’t attending town halls, they’re posting on social media 16:30 The two leaders of each chamber run congress, not committee chairs 17:15 Legislators are frustrated with the broken nature of congress 18:30 Members aren’t hiring legislating staff, they hire comms staff 20:00 Boebert, AOC, MTG would be backbenchers without comms 21:30 Small states are getting far too much influence electorally 24:30 The constitution is a good ballast if we follow it and regularly amend it 25:30 Ken Burns was gutsy to make a doc on the American revolution 27:00 If you want 300 million people to follow a law, it should take time to pass 29:00 Death By Lightning was too short to tell the whole story 31:00 “Manhunt” really painted a picture of Andrew Johnson 32:00 Lincoln assassination was meant to Lincoln's administration 32:45 Holiday reading list 34:00 End of 19th century was a weird time for the U.S. presidency 36:00 Rehnquist’s book comments on Bush v Gore through 19th century lens 37:45 Thomas Jefferson impeached justices in order to get a SCOTUS rubber stamp 38:30 Chuck’s project to create a scripted TV show about Garfield & reconstruction 39:45 George Washington wanted D.C. to be the biggest port city on east coast 42:30 1860-1865 was a fascinating time for the city of Washington DC 44:00 If Garfield lived we might have gotten the Civil Rights Act 100 years sooner 45:30 Parallels between Obama and Chester A. Arthur presidencies 46:30 Democrats learning from Trump that action matters over process 47:30 Dems gutted their bench during Obama years 48:30 Obama endorsing Clinton was a massive mistake for the Democratic Party 51:00 GOP voters realized the “nice” candidate like Romney couldn’t win 52:30 Without “bridgegate”, Chris Christie may be president instead of Trump 54:00 Chris Christie is a wildly talented politician, but mismanaged era with his shot 55:30 The Tea Party energy in GOP could have derailed Christie’s ambitions 56:45 Christie derailed Carly Fiorina’s campaign in 2016 58:00 Should DOJ be detached from the executive branch? 1:00:30 Founders never specified how many justices should be on SCOTUS 1:03:15 Ford pardon was a huge mistake, created protected political class 1:04:45 Where to find Sarah’s work 1:06:00 It should be easier to pass constitutional amendmentsSee omnystudio.com/listener for privacy information.

An assurance a council rates cap will only target unnecessary costs, not community services or infrastructure. By 2029, councils wanting to increase rates by more than 4% will need approval from a government-appointed regulator. Water rates are excluded from the cap. Local Government Minister Simon Watts told Mike Hosking this will be an education process for councils. He says there's a lot of fat in the system and councils need to ensure cash has to be going into essential areas. Watts says he will work with the industry, not against them. LISTEN ABOVE See omnystudio.com/listener for privacy information.

There's an expectation a rates cap will prove challenging and require teaming up with central Government. The Government's proposing to stop rates increases at 4% a year, excluding water and other non-rates revenue. Councils wanting to go beyond this will need approval from a government-appointed regulator. Nelson Mayor Nick Smith told Mike Hosking he's not surprised councils have been targeted by the Government as it aims to reduce costs across the board. But he says delivery will require the Government to work with them to get costs down, especially in the construction sector. LISTEN ABOVE See omnystudio.com/listener for privacy information.

On Monday the Government announced an annual 2-4% rates cap range will be fully implemented by 2029. The cap applies to all rates, including general rates, targeted rates and uniform annual charges, but excludes water charges and other non-rates revenue like fees and charges. Local Government Minister Simon Watts told Heather du Plessis-Allan, "it's going to be tough Heather, but guess what, it's been tough on everyone - households, businesses. "You think about those on fixed income, in particular, double-digit rate increases, some up to 20%. It's just simply not feasible, and that's what we've been hearing loud and clear from ratepayers" LISTEN ABOVESee omnystudio.com/listener for privacy information.

Season 4, Episode 12: Jack Stone and Alex Gornik sit down with Jon Schultz, Co-Founder and Managing Principal of Onyx Equities, one of the Northeast's most active private real estate firms. Schultz—known for turning around complex office, industrial, and retail assets—shares how Onyx repositions properties, adapts across cycles, and captures value in a rapidly evolving market. From life sciences and medical office to AI-driven data centers, he breaks down the trends reshaping the tri-state region, the lessons learned from decades of leadership, and why success now depends on being “customer-obsessed. TOPICS 00:00 – Introduction 02:10 – Early Career and Founding Onyx Equities 06:15 – Navigating Market Cycles and Value Creation 09:30 – Office Market Shifts and Tenant Demand 12:45 – Life Sciences and Medical Office Expansion 17:40 – Inside the Data Center Gold Rush 22:15 – Rates, Debt, and Opportunities Ahead 27:48 – Tri-State vs. Sun Belt Market Dynamics 34:05 – Leadership, Adaptability, and Lessons Learned 42:30 – Building a Brand Tenants Trust Shoutout to our sponsor, Lev. The AI-powered way to get real estate deals financed. For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/ Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate. About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

A survey of more than 30,000 year-10 students has found vaping rates have dropped from a peak in 2022. Emeritus Professor Robert Beaglehole spoke to ingrid Hipkiss.

#ThisMorning | Should you #Wait for the #FederalReserve to Lower #Rates before #Buying a #Home? | Carl Delmont, Freedmont Mortgage | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness 

Today's blockchain and cryptocurrency news  China's central bank reaffirms crypto ban, flags stablecoin risks following multi-agency meeting. Visa taps Aquanow to expand stablecoin settlement in key markets###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

As friends and family gather this holiday season, there’s a warning for new parents. The CDC says cases of pertussis, or whooping cough, remain elevated this year. An unvaccinated infant died from the illness in Kentucky this week, while other states across the country are also experiencing a surge of cases. Ali Rogin speaks with pediatric infectious disease specialist Dr. Lorne Walker for more. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

As friends and family gather this holiday season, there’s a warning for new parents. The CDC says cases of pertussis, or whooping cough, remain elevated this year. An unvaccinated infant died from the illness in Kentucky this week, while other states across the country are also experiencing a surge of cases. Ali Rogin speaks with pediatric infectious disease specialist Dr. Lorne Walker for more. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Low back pain is projected to affect over 800 million people worldwide by 2050. Among women over 55, cases nearly doubled from 89.9 million in 1990 to 176.8 million in 2021 Aging populations are the main driver of this increase, but postmenopausal women face a greater risk due to bone loss, muscle decline, fat redistribution, and immune and inflammatory changes Hormonal shifts during and after menopause alter bone density, disc health, and tissue repair, making the spine more vulnerable to stress and chronic pain Persistent low back pain is linked to multiple chronic conditions, including cardiovascular disease, metabolic disorders, mental health issues, and long-term functional decline Regular movement, stronger core and pelvic floor muscles, improved posture, quality sleep, and stress management are among the most effective ways to lower pain risk and protect your spine

In this episode, we sit down with Elly Cummings from New American Funding to break down what the mortgage world might look like in 2026. If you're wondering where interest rates, home prices, and the market are headed, this conversation is for you. Elly shares why a roughly 6% rate in 2026 isn't the doom-and-gloom headline it's made out to be and why focusing on affordability, not chasing the perfect rate, is what actually matters. We also get into inflation, the impact a new Fed chair could have, and which economic clues are worth paying attention to. Thinking about buying instead of renting? Elly explains why waiting could mean paying more later, especially with prices still rising and spring competition heating up. We also talk through tools like temporary buy-downs and how they can help you lock in a payment that fits your life. If you're planning to buy, refinance, or just want to feel more confident heading into 2026, this episode is full of practical insights you can actually use. Let's dive in!

Jocko Willink is a retired U.S. Navy SEAL officer, bestselling author, and leadership expert with a 20-year military career. Enlisting at 19, he completed BUD/S class 177, served with SEAL Teams One and Two, and later commissioned as an officer with deployments across Asia, the Middle East, and Europe. He led SEAL Team Three's Task Unit Bruiser in the Battle of Ramadi during Operation Iraqi Freedom, earning the Silver Star while commanding the war's most decorated Special Operations unit. After retiring in 2010 as a lieutenant commander, Willink became a Brazilian jiu-jitsu black belt and advocate of disciplined 4:30 a.m. routines. He co-founded Echelon Front, advising companies worldwide, and launched the Jocko Podcast in 2015, surpassing 1 billion downloads. He co-owns Origin USA, founded Jocko Fuel, and operates Victory MMA & Fitness in San Diego. His books—Extreme Ownership, Discipline Equals Freedom, and the Way of the Warrior Kid series—share his principles of leadership and personal discipline. Willink is a partner in the San Diego FC ownership group and host of the FOX special Above, Below and Beyond, honoring 250 years of the U.S. Navy and Marine Corps. He lives in California with his wife, Hellene, and their four children. Shawn Ryan Show Sponsors: https://USCCA.com/srs ⁠https://tryarmra.com/srs⁠ ⁠https://betterhelp.com/srs⁠ This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. ⁠https://blackbuffalo.com⁠ ⁠https://shawnlikesgold.com⁠ ⁠https://ketone.com/srs⁠ Visit https://ketone.com/srs for 30% OFF your subscription order. ⁠https://ROKA.com⁠ – USE CODE SRS ⁠https://gemini.com/srs⁠ Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Jocko Willink Links: X -https://x.com/jockowillink IG - https://www.instagram.com/jockowillink YT - https://www.youtube.com/@JockoPodcastOfficial LI - https://www.linkedin.com/in/jocko-willink-260b289 GYM -https://victorygyms.com/person/john-jocko-willink JOCKO FUEL - https://jockofuel.com Echelon Front - https://events.echelonfront.com/product/muster-023 Amazon Author - https://www.amazon.com/stores/Jocko-Willink/author/B00ZY7MWW8 San Diego Futbol Club - https://www.sandiegofc.com/club/ownership Streaming Special - https://nation.foxnews.com/watch/f906bbf75deeb400207c23761349eef5 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Theo returns with a solo episode to talk about conspiracy Thanksgivings, freebasing garlic bread, and what he's grateful for as the year winds down. He also responds to some of your voicemails and gets a major life update from Riley Mau.  ------------------------------------------------ Tour Dates! https://theovon.com/tour New Merch: https://www.theovonstore.com ------------------------------------------------- Sponsored By: Celsius: Go to the Celsius Amazon store to check out all of their flavors. #CELSIUSBrandPartner #CELSIUSLiveFit https://amzn.to/3HbAtPJ  Ethos: Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/THEO. Application times may vary. Rates may vary. Wonderballs: For Black Friday, Wonderballs is offering 40% off at http://Wonderballsusa.com when you use code THEO, but only for a limited time. Manscaped: Go to http://manscaped.com/theo for 15% off. Sebastian Maniscalco “It Ain't Right” streaming now on Hulu.  Perplexity AI: Ask anything at https://pplx.ai/theo and download their new web browser Comet at https://comet.perplexity.ai/ ------------------------------------------------- Music: “Shine” by Bishop Gunn Bishop Gunn - Shine ------------------------------------------------ Submit your funny videos, TikToks, questions and topics you'd like to hear on the podcast to: tpwproducer@gmail.com Hit the Hotline: 985-664-9503 Video Hotline for Theo Upload here: https://www.theovon.com/fan-upload Send mail to: This Past Weekend 1906 Glen Echo Rd PO Box #159359 Nashville, TN 37215 ------------------------------------------------ Find Theo: Website: https://theovon.com Instagram: https://instagram.com/theovon Facebook: https://facebook.com/theovon Facebook Group: https://www.facebook.com/groups/thispastweekend Twitter: https://twitter.com/theovon YouTube: https://youtube.com/theovon Clips Channel: https://www.youtube.com/c/TheoVonClips Shorts Channel: https://bit.ly/3ClUj8z ------------------------------------------------ Producer: Zach https://www.instagram.com/zachdpowers Producer: Trevyn https://www.instagram.com/trevyn.s/  Producer: Nick https://www.instagram.com/realnickdavis/ Producer: Andrew https://www.instagram.com/bleachmediaofficial/ Producer: Riley https://www.instagram.com/therileymau/  Learn more about your ad choices. Visit megaphone.fm/adchoices

Tucker Carlson is a leading voice in American politics, recognized by Time magazine as the “most powerful conservative in America,” and the host of The Tucker Carlson Show, a long-form conversational podcast launched after his departure from Fox News in 2023. He attended St. George's School in Rhode Island, where he met his future wife, Susan, and developed a passion for debating, before earning a B.A. in history from Trinity College in 1991. After a rejected CIA application, Carlson pursued journalism, starting as a fact-checker for Policy Review and writing for outlets like The Weekly Standard, New York magazine, and Reader's Digest. His broadcast career spanned CNN (2000–2005) as co-host of The Spin Room and Crossfire, PBS (2004–2005) with Tucker Carlson: Unfiltered, and MSNBC (2005–2008) with Tucker. In 2010, he co-founded The Daily Caller, a political news website, selling his stake in 2020. Carlson joined Fox News in 2009, becoming a contributor, co-hosting Fox & Friends Weekend (2013–2016), and later hosting Tucker Carlson Tonight (2016–2023), the highest-rated program in cable news history. After leaving Fox in 2023, he founded TCN, an online media company dedicated to unfiltered, truth-driven reporting, reshaping the media landscape with record-breaking online interviews featuring figures like Donald Trump, Vladimir Putin, and Elon Musk. He is the New York Times bestselling author of Ship of Fools and The Long Slide. Carlson advocates for independent media, free speech, and fearless discourse on critical issues. Shawn Ryan Show Sponsors: https://tryarmra.com/srs https://betterhelp.com/srs This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://blackbuffalo.com https://shawnlikesgold.com https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://ROKA.com – USE CODE SRS https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Tucker Carlson Links: X - https://x.com/TuckerCarlson IG - https://www.instagram.com/tuckercarlsontcn YT - https://www.youtube.com/@TuckerCarlson TCN - https://tuckercarlson.com The Tucker Carlson Show - https://tuckercarlson.com/podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices