Podcasts about Reach

Your net worth is one of the most important numbers to understand your financial picture. We're not talking back of the napkin math, we are talking about finding the exact number you're at right now to get a handle on where you're heading for the future. After that, we're answering your financial questions and that's right - it is a TUMBLER DAY! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

The Celtics pull off another crunch time win over the Knicks 123-117 and this was a rollercoaster through and through! The Celtics found themselves down big early after a brutal 32-21 1st quarter but put up two monster quarters after that due to a scorching hot JB who ended the game with 42pts including 18 in the 2nd and 15 in the 3rd!As impressive as he was for the majority of this game, I think the real story of tonight is the play of Hugo, Walsh and Minott! Hugo completed shifted the energy in the 2nd quarter making every huge play defensively, Minott did that in the 2nd and 4rd while hitting some huge shots and then Jordan Walsh was arguably our clutch performer. Jordan had a huge offensive rebound and putback on a Minott miss and JB miss in back to back possessions to go up 109-101 and then had a huge steal next possession and then ended his night with a phenomenal finish at the rim putting the C's up 115-110 along with a huge rebound late in the game. Listen to the podcast now for a full breakdown!This podcast is brought to you by me, Guy DePlacido. I have been a Loan Officer servicing MA, NH and ME for the last 5 years so if you are looking to buy or refinance, reach out to me today at (978) 804-7756 or email me at guy.deplacido@ccm.com! Like the Boston Celtics, I know that you need a great team behind you to win so this year I am partnering with some of my favorites including Deb Burke, and Collin Tucker.If you're looking to buy or sell a home in the near future meet Deb Burke, your trusted realtor at Compass Real Estate, serving MA and NH. With a passion for finding dream homes, Deb is committed to making your real estate journey a breeze. Whether you're buying or selling, Deb's got your back. Reach out today at 978-930-4621 or email deb.burke@compass.com to start your next chapter. Let's turn your real estate dreams into reality!After getting preapproved with me and finding your home with Deb Burke, you'll want to make sure your home is protected and for that, there is nobody better than Collin Tucker at Berlin Insurance Group. Collin is a local agent but he is licensed in all of New England with over 20+ carriers for auto and home insurance guaranteeing the lowest quote possible. I have worked with Collin so many times not only for my clients insurance needs but mine as well. Reach out to Collin Tucker at Berlin Insurance Group at 508-459-1226 or Collin@berlininsurancegroup.comOne of my favorite things about the Celtics is how much they care and give back to the community and INspire Cafe is following that model too. Inspire Cafe is a Community Cafe in Wakefield on a mission to inspire change and creating a more inclusive world where individuals with diverse abilities are not just included but valued. If you're looking for, not only amazing food, but an opportunity to support a cafe that is inspiring change check out INspire Cafe in Wakefield today!

Dr. Manny Arango, New Testament scholar and author of "Crushing Chaos," joins us to explore the biblical monsters we've sanitized out of our modern understanding of Scripture. From the dragon in Eden to Leviathan in Job, Manny argues we've fallen victim to the "lullaby effect"—becoming so familiar with these stories that we've missed their jarring, supernatural elements.In this fascinating conversation, Manny reveals why the talking serpent in Eden was likely a dragon, why God describes Leviathan to Job in excruciating detail, and how Jesus' ministry was fundamentally about conquering chaos monsters. But the real twist? Manny argues that humans can become the monsters—that the Bible's greatest concern isn't external beasts, but our own potential to devolve into chaos.From ancient Near Eastern mythology to modern anxiety, this episode explores how biblical monster stories are actually roadmaps for retaining our humanity in a world designed to make us beastly. Manny's insights on chaos versus sin, the nature of humanity, and Jesus as the ultimate dragon-slayer offer a fresh perspective on spiritual warfare and what it means to stay human in a chaotic world. This episode is sponsored by: https://preborn.com/blurry — Dial #250 and say the keyword BABY or visit the link. Just $28 can help save a life! https://rocketmoney.com/blurry — Reach your financial goals faster with Rocket Money. The average person saves up to $740 a year when using all the app's premium features! https://uncommongoods.com/blurry — Shop early to get 15% off your next gift! - Learn more about your ad choices. Visit megaphone.fm/adchoices

This week… "The big picture framework helps us to organize ourselves inside of the details, but the details - the Mercury and Gemini of it all - direct our possibility. This is about our attention and our awareness; how we grow, or the meaning that we're making and what we do with our experiences, really needs us to pay attention to the details."This week-ahead reading for Dec 1-7, 2025 is an excerpt from this week's⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Somatic Space class⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with Renee Sills. For the full-length forecast and embodied practice for this week,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠purchase the recording here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. In the Portland, OR area? Go & see A LARGER REALITY: URSULA K. LE GUIN. In this week's episode, Renee reads from the exhibition compilation of the same name, a speech Le Guin gave at UC Santa Cruz in 2014 entitled “Deep in Admiration”.⁠Throughout Sagittarius Season, EA is hosting a reading raffle fundraiser⁠ - Renee and 8 of her students who have completed her practitioner training are all offering readings to support one of our cohort/community members whose life has been severely impacted by Hurricane Melissa. If you're interested in winning a reading, or just want to help us support our friend, ⁠click here.⁠

Few, if any, people are comfortable with the idea that there appears to be a connection between UFO sightings and the appearance of supposedly non-existent creatures, including Sasquatch. UFO investigators and organizations have largely shunned cases in which both UFOs and cryptic beings show up in the same locations at the same time. And the Bigfoot research groups are equally appalled to address why their flesh-and-blood but elusive primate species often vanish into thin air, as if sucked up into the sky. But the links between UFO craft and Sasquatch are getting harder to ignore. This week marks the 20th anniversary of Hunt for the Skinwalker, a book co-written by Dr. Colm Kelleher and George Knapp. It documented the strange encounters that had been reported and investigated by the NIDS organization (National Institute for Discovery Science) at a place now known as Skinwalker Ranch. That book inspired the creation of a secretive DIA program known as AAWSAP, which did NOT shy away from the pursuit of incidents in which unknown creatures, including Bigfoot, were seen in the same vicinity as UFOs, alleged dimensional portals, and other phenomena shunned by mainstream science. In this episode of WEAPONIZED, Jeremy and George speak with author and filmmaker David Paulides. Paulides is best known for his bestselling book series, “Missing 411,” in which he documents hundreds of strange disappearances that occur largely in national parks and forests. In many of these cases, humans simply vanish, as if snatched by UFOs or taken against their will to some other reality. Most are never seen again. The first two books written by the former lawman Paulides focused on Sasquatch and what Native American tribes have learned about the mysterious, hair-covered monsters that have been seen for centuries all over North America. His readers wondered if Paulides was suggesting that Sasquatch might be responsible for the humans who disappeared. Now Paulides has released a new film which thoroughly explores all sides of the Bigfoot mystery. The documentary, “American Sasquatch: Man, Myth, or Monster,” revisits the physical evidence and witness accounts which suggest that there is a disturbing connection between cryptid creatures such as Bigfoot and the sightings of UFOs, dimensional portals, and other astounding phenomena - similar to what has been widely reported in and around Skinwalker Ranch. The episode includes clips from the Paulides film, as well as from the video archives of both George and Jeremy, which have explored these same possible connections. American Sasquatch: Man, Myth, or Monster is now available to rent… https://geni.us/AmericanSasquatch GOT A TIP? Reach out to us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WeaponizedPodcast@Proton.me⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ••• Watch Corbell's six-part UFO docuseries titled UFO REVOLUTION on TUBI here : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tubitv.com/series/300002259/tmz-presents-ufo-revolution/season-2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Watch Knapp's six-part UFO docuseries titled INVESTIGATION ALIEN on NETFLIX here : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://netflix.com/title/81674441⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ••• You can now watch all of Corbell's movies for free on YouTube here : BOB LAZAR : AREA 51 & FLYING SAUCERS https://youtu.be/sZaE5rIavVA HUNT FOR THE SKINWALKER https://youtu.be/TczkJ6UAQ8A PATIENT SEVENTEEN https://youtu.be/gDVX0kRqXxE ••• For breaking news, follow Corbell & Knapp on all social media. Extras and bonuses from the episode can be found at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WeaponizedPodcast.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Isabelle Boemeke is a former fashion model turned climate activist, author and the world's first “nuclear energy influencer,” known for making one of the most complex and controversial climate solutions both accessible and inspiring. In this conversation, Amanda asks how Isabel transformed despair about climate change into agency and why optimism about human creativity may be our most important renewable resource. They explore how individuals can actually move the needle on massive problems, why embracing imperfect solutions beats paralyzing cynicism, and how joy, creativity, and personal responsibility can turn even the scariest global challenges into solvable puzzles. Isabelle's book, Rad Future: The Untold Story of Nuclear Electricity and How It Will Save the World https://www.penguinrandomhouse.com/books/739852/rad-future-by-isabelle-boemeke/ Reach out to us at ⁠⁠⁠⁠⁠⁠www.amandaknox.com⁠⁠⁠⁠⁠ ⁠or ⁠⁠⁠⁠⁠⁠amandaknox.substack.com⁠⁠⁠⁠⁠⁠ X: @amandaknox IG: @amamaknox Bluesky: @⁠⁠amandaknox.com⁠⁠ ⁠⁠ ⁠⁠⁠⁠Free: My Search for Meaning⁠⁠⁠⁠⁠ Waking Up Meditation App ⁠⁠⁠https://www.wakingup.com/Amandaknox Learn more about your ad choices. Visit megaphone.fm/adchoices

331 – What gives you a sense of self-worth?Over the years, I've met some people who are very, very wealthy. I've also met people who probably didn't have $20 to their name. And lots of people in between.Some of these very wealthy people, even though they have been incredibly successful in many areas of their life, have a very low sense of self-worth. And a few of the homeless people I've met, who don't have enough money to get a good meal, have a remarkable sense of their own value as a human being. Of course, this isn't always the case, but it's kind of the opposite of what you might expect. So I've been thinking about self-worth:What is self-worth?Where does it comes from? How do you find your own-self-worth?Your self-worth is rooted and grounded in your relationship to God as His image and likeness. You may not always see it, but your self-worth is always here because it's part of your identity as a child of God.∞∞∞∞∞∞∞SHOW NOTES: Full transcript and Bible quotes from this episode thebiblespeakstoyou.com/331Text me your questions or comments.Support the showIf you enjoy the podcast, please rate and leave a review on Apple Podcasts or Spotify__________________James Early, the Jesus Mindset Coach, is a Bible teacher, speaker, and podcaster. His focus is on getting back to the original Christianity of Jesus by embracing the mindset of Christ in daily life. Reach out today if you need a speaker or Bible workshop for your church or organization (online and in person) Subscribe to the podcast (and get your copy of Praying with the Mindset of Jesus) Make a donation to support the show Schedule a free one hour coaching call to see if the Jesus Mindset Coaching program is a good fit for you Contact James here

Blake Lovell and Max Barr preview and share their predictions for the ACC/SEC Challenge on December 2 in SEC basketball with thoughts on all nine games. TUESDAY No. 4 Duke (-7.5) vs. No. 15 Florida Pitt (+3.5) vs. Texas A&M South Carolina vs. Virginia Tech Syracuse (+7.5) vs. No. 13 Tennessee Wake Forest (-4.5) vs. Oklahoma Florida State (+1.5) vs. Georgia Notre Dame (-1.5) vs. Missouri Ole Miss (-4.5) vs. Miami No. 18 Kentucky (-5.5) vs. No. 16 UNC GAMETIME SIDEKICKS Use promo code SE16 for 20% off! http://www.gametimesidekicks.com/ YEARLY CO Use promo code SE16KIT for a free sizing kit! https://yearlyco.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to caroline.bellcow@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you constantly running on stress hormones? This episode introduces Micro-Joy—tiny, intentional bursts of positive emotion that take just seconds. We explain the neuroscience of how these "mini-interventions" shut down cortisol and activate dopamine. Learn the 4 rules for micro-dosing joy to strategically rewire your brain, build emotional resilience, and reclaim your internal peace after heartbreak. Ready to Fast-Track Your Breakup Recovery? Join the 30-Day Breakup Recovery Bootcamp here: https://www.angieday.com/join/ Join the FREE upcoming workshop "How to be Happier, Healthier, and More Confident After a Breakup or Divorce."  Grab your workshop spot here: https://www.angieday.com/webinar/ Discover your Unique Breakup Style: This is a crucial first step to taking back your power. Your confusing emotional reactions right now are not random; they are driven by a subconscious emotional operating system (your attachment style). By identifying your unique style, you gain a clear blueprint for your behavior. This transforms your healing from a frustrating, chaotic storm into a strategic, predictable, and conquerable process. Take the quiz here: https://www.angieday.com/free-quiz/  If you or someone you love is struggling after a breakup or divorce: Reach out to me for help with this or any other topic.  Email me at:  angie@contactangieday.com Voicemail me at:  https://www.speakpipe.com/TheBacktoHappyPodcast

In the longest running study on human happiness—an 85-year Harvard study—researchers discovered one truth that rises above everything else: connection is the greatest predictor of happiness and long-term health.Loneliness, they found, is as dangerous as smoking half a pack a day, and carries the same risks as obesity and high blood pressure.In this episode of the One Second of Strength Podast, host Tanner Clark breaks down why connection matters more than ever and how to build deeper, more meaningful relationships with simple daily habits.You'll learn three practical ways to increase connection with intention:1. Send a daily text — Reach out to someone on your mind. No agenda. Just connection.2. Schedule your relationships — Put the people who matter on your calendar so they don't fall through the cracks.3. Be the person someone else needs — If you want to be present in people's problems, you need to be present in their lives.This episode will help you strengthen your relationships, feel more grounded, and unlock the happiness we're all searching for.SUBSCRIBE! - Hit follow so you never miss an episodeSHARE - Send this to ONE person who might need itRATE - Give the show a 5 Star rating so more people like you can find it.

Today's NPC Prompts were:Horror Campaign, Dragonborn, Fibermancer, Chaotic Good, Funny, Slovenly, No Sense of SmellKardash "Hooks" Hookclaw sets up in any corner that will have them. A tavern or fighting hall is preferred. They have a raucous laugh and a twinkle of mischief in their eyes as manage to keep spirits high around them with a well said joke, or a light hearted prank. They will always make a crocheted present for the target of the joke. Though their clothing is always a bit shabby and stained, they never let it get to them. Sadly, they also have no sense of smell and often have to be told when it is time for them to bathe.⁠⁠Want to make a suggestion? Submit a form here: ⁠https://forms.gle/oSMMhMWpvZcLdGPK7⁠Reach out at Resonantmoon.com/npc-matchmakerThis project is for the ⁠Dog Days of Advent 2025⁠.Music is "Air Prelude" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/

Allen and Yolanda discuss Statkraft’s workforce cuts and sale of its Swedish offshore wind projects. They also cover ORE Catapult’s partnership with Bladena to conduct torsional testing on an 88-meter blade, and the upcoming Wind Energy O&M Australia conference. Register for ORE Catapult’s Offshore Wind Supply Chain Spotlight event! Visit CICNDT to learn more! Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! You are listening to the Uptime Wind Energy Podcast brought to you by build turbines.com. Learn, train, and be a part of the Clean Energy Revolution. Visit build turbines.com today. Now here’s your hosts, Alan Hall, Joel Saxon, Phil Totaro, and Rosemary Barnes. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host, Allen Hall in the Queen city of Charlotte, North Carolina. I have Yolanda Padron in of all places, Austin, Texas. We’re together to talk to this week’s news and there’s a lot going on, but before we do, I want to highlight that Joel Saxon and I will be in Edinburgh, Scotland for the re Catapult UK offshore supply chain spotlight. That’s on December 11th, which is a Thursday. We’re gonna attend that event. We’re excited to meet with everybody. Over in the UK and in Scotland. Um, a lot of people that we know and have been on the podcast over a number of years [00:01:00] are gonna be at that event. If you’re interested in attending the OE Catapult UK Offshore Supply Chain spotlight, just Google it. It’s really inexpensive to attend, and I hope to see most of you there, Yolanda. There’s some big news over in Scandinavia today, uh, as, as we’re reading these stories, uh, the Norwegian State owned Utility Stack Craft, and it’s also one of Europe’s largest renewable energy companies. As, uh, as we know, I’ve been spending a lot of money in new markets and new technologies. Uh, they are in electric vehicle charging biofuels and some offshore wind development. Off the eastern coast of Sweden. So between Finland and Sweden, they’re also involved in district heating. So Stack Craft’s a really large company with a broad scope, uh, but they’re running into a little bit of financial difficulty. And this past July, they announced some [00:02:00] workforce reductions, and those are starting to kick in. They have 168 fewer employees, uh, by the end of this third quarter. 330 more expected to leave by the end of the year when all the dive are complete. This is the worrisome part. Roughly 1000 people will longer work for the company. Now, as part of the restructuring of Stack Craft, they are going to or have sold their offshore portfolio to Zephyr Renewable. Which is another Norwegian company. So Stack Craft is the Norwegian state owned renewable energy company. Zephyr is an independent company, far as I can tell my recollection that’s the case. So they agreed to acquire the bot, the uh, offshore Sigma and Lambda North projects, which makes Zephyr the largest offshore wind developer. Sweden, not Norway, [00:03:00] in Sweden. Obviously there’s some regulatory approvals that need to happen to make this go, but it does seem like Norway still is heavily involved in Sweden. Yolanda, with all the movement in offshore wind, we’re seeing big state owned companies. Pulling themselves out of offshore wind and looks like sort of free market, capitalistic companies are going head first into offshore wind. How does that change the landscape and what should we be expecting here over the next year or two? Yolanda Padron: We, we’ve seen a large reduction in the, the workforce in offshore wind in all of these state owned companies that you mentioned. Uh, something that I think will be really interesting to see will be that different approach. Of, you know, having these companies be a bit more like traditional corporations that you see, not necessarily having them, [00:04:00] um, be so tied to whatever politically is happening in the government at the moment, or whatever is happening between governments at a time, um, and seeing exactly what value. The different aspects of a company are bringing into what that company is making into, um, what, uh, the revenue of that company is, and not just kind of what is, what is considered to be the best way forward by governments. Do you agree? Is that something that you’re sensing too? Allen Hall: The COP 30 just wrapped down in the rainforest of Brazil, and there has not been a lot of agreement news coming out of that summit. Uh, I think next year it’s gonna move to Turkey, but Australia’s involved heavily. It was supposed to be in Adelaide at one point and then it’s moved to Turkey. [00:05:00] So there doesn’t seem to be a lot of consensus globally about what should be happening for renewables, and it feels like. The state owned companies are, uh, getting heavily leveraged and losing money trying to get their footing back underneath of them, so they’re gonna have to divest of something to get back to the core of what they were doing. That’s an interesting development because I think one of the question marks regarding sort of these state owned companies was how fast were they willing to develop the technology? How much risk were they willing to take? Being backed by governments gets a little political at times, right? So they, they want to have a, a steady stream of revenue coming from these operations. And when they don’t, the politicians step in and, uh, lean on the company is a good bit. Does the move to more, uh, standalone companies that are investing sort of venture capital money and bank money taking loans? I assume most of this [00:06:00] does that. Change how the offshore industry looks at itself. One and two, what the OEMs are thinking. Because if they were going to sell to an TED or an Ecuador, or a stack raft or vattenfall, any of them, uh, you know, when you’re going to that sales discussion that they’re backed by billions and billions and billions of, of kroner or whatever the, the currency is. So you may not have to. Really be aggressive on pricing. Now you’re dealing with companies that are heavily leveraged and don’t have that banking of a government. Do you think there’s gonna be a tightening of what that marketplace looks like or more pressure to go look towards China for offshore wind turbines? Yolanda Padron: It’ll definitely get a bit more audited internally, exactly what decisions are made and and how objective teams are. I think that there’s. [00:07:00] In all of the companies that you mentioned, there’s some semblance of things that maybe happened because of what was going on politically or, or because of ties that certain governments had to each other, or certain governments had to specific corporations, um, which was a, a great way for those companies to operate at the time and what was, what made sense. But now that it’s. A third party who genuinely, you know, needs that cash flow in from that business or that part of the business, it’ll, I think you’ll definitely start seeing some, some greater efficiencies going on within Allen Hall: these teams. Well, I would hope so. If you think about the way the United States moved pre, uh, the current administration. There were a number of US based companies sort of going 50 50 on a lot of the [00:08:00] offshore development, and then they slowly started backing away. The only one that’s still really in it is Dominion, was the coastal offshore, um, coastal Virginia offshore wind project that is still progressing at a good pace. But, uh, everybody else that was involved in, and they’re not the same kind of structure as an Ecuador is. They’re not, uh, there’s kinda state-owned entities in the United States and states can’t have deficits, unlike nations can. So the US deficit obviously is massively large, but state deficits don’t really exist. So those electric companies can’t get highly leveraged where they’re gonna bleed cash. It’s just not a thing. It’s gonna happen. So I think I saw the precursors to some of this offshore turbulence happening in the United States as the. They didn’t see a lot of profit coming from the state electric companies. That seems to be flowing into Europe now pretty heavily. That started about six months [00:09:00] ago. How are they gonna structure some of these offshore projects now? Are they just gonna put them on hold and wait for interest rates to come down so that the margins go up? Is is that really the play? Is that you have the plot of land? You already have all the, the filings and the paperwork and authorization to do a project at some point, is it just now a matter of waiting where the time is? Right. Financially, Yolanda Padron: that question will be answered by each specific company and see what, what makes sense to them. I don’t think that it makes sense to stall projects that if you already have the permits in, if you already have everything in, and just to, to see when the time is right, because. Everything’s been ramping up to that moment, right? Like, uh, the water’s always already flowing. Um, but it, it’ll, it’ll definitely be interesting to see what approach, like where, where each company finds themselves. I, they’ll have to rely on [00:10:00] what information has come out in the past and maybe try to analyze it, try to see exactly where things went wrong, or try to pinpoint what. Decisions to not make. Again, knowing what they know now, but with everything already flowing and everything already in queue, it’ll have to be something that’s done sooner rather than later to not lose any of that momentum of the projects because they’re not reinventing the wheel. Allen Hall: Siemens is developing what a 20 odd megawatt, offshore turbine? 22 megawatt, if I remember right. 21, 22. Something in there. Obviously Ming Yang and some others are talking about upwards of 15 megawatts in the turbine. If you have a lot of capital at risk and not a lot of government backing in it, are you going to step down and stay in the 15 megawatt range offshore because there’s some little bit of history, or are you gonna just roll the dice? Some new technology knowing that you can get the, the dollar per megawatt [00:11:00] down. If you bought a Chinese wind turbine, put it in the water. Do you roll that? Do you roll that dice and take the risk? Or is the safer bet and maybe the financing bet gonna play out easier by using a Vestus 15 megawatt turbine or a Siemens older offshore turbine that has a track record with it. Yolanda Padron: I think initially it’ll have to be. Using what’s already been established and kind of the devil, you know? Right. I, I think it’ll, there’s a lot of companies that are coming together and, and using what’s done in the field and what operational information they have to be able to, to. Take that information and to create new studies that could be done on these new blades, on these new technologies, uh, to be able to take that next step into innovation without compromising any [00:12:00] of the, of the money, any of the aspects really like lowering your risk Allen Hall: portfolio. Yeah. ’cause the risk goes all the way down to the OEMs, right. If the developer fails and the OEM doesn’t get paid. It, it’s a. Catastrophic down the chain event that Siemens investors are looking to avoid, obviously. So they’re gonna be also looking at the financing of these companies to decide whether they’re going to sell them turbines and. The question comes up is how much are they gonna ask for a deposit before they will deliver the first turbine? It may be most of the money up front. Uh, it generally is, unless you’re a big developer. So this is gonna be an interesting, uh, turning point for the offshore wind industry. And I know in 2026 we’re gonna see a lot more news about it, and probably some names we haven’t heard of in a while. Coming back into offshore wind. Don’t miss the UK Offshore Wind Supply Chain Spotlight 2025 in Edinburg on December 11th. Over 550 delegates and 100 exhibitors will be at this game changing event. [00:13:00] Connect with decision makers, explore market ready innovations and secure the partnerships to accelerate your growth. Register now and take your place at the center of the UK’s offshore Wind future. Just visit supply chain spotlight.co.uk and register today. Well, as we all know, the offshore wind industry has sort of a problem, which is now starting to come more prevalent, which is the first generation of offshore wind turbines that prove that the technology could work at scale or getting old. We’re also developing a lot of new wind turbines, so the blade links are getting much longer. We don’t have a lot of design history on them. Decommissioning is expensive. Of course, anything offshore is expensive. What if we can make those blades last longer offshore, how would we do that? Well, that question has come up a number of times at many of the, the conferences that I have attended, and it looks like ORI Catapult, which is based in the UK and has their test center [00:14:00] in Blythe, England, is working with Blade Dina, which is a Danish engineering company that’s now owned by Res. So if you haven’t. Seeing anything from Blade Dina, you’re not paying attention. You should go to the website and check them out. Uh, they have all kinds of great little technology and I call it little technology, but innovative technology to make blades last longer. So some really cool things from the group of Blade Dina, but they’re gonna be working with re catapult to test an 88 meter blade for torsion. And I’m an electrical engineer. I’m gonna admit it up front, Yolanda. I don’t know a lot about torsional testing. I’ve seen it done a little bit on aircraft wings, but I haven’t seen it done on wind turbine blades. And my understanding, talking to a lot of blade experts like yourself is when you start to twist a blade, it’s not that easy to simulate the loads of wind loads that would happen normally on a turbine in the laboratory. Yolanda Padron: Absolutely. I think this is going to be so [00:15:00] exciting as someone in operations, traditionally in operations, uh, because I think a lot of the, the technology that we’ve seen so far and the development of a lot of these wind projects has been from teams that are very theory based. And so they’ve, they’ve seen what simulations can be done on a computer, and those are great and those are perfect, but. As everyone knows, the world is a crazy place. And so there’s so many factors that you might not even think to consider before going into operations and operating this, uh, wind farm for 10, 20 years. And so something that Blade Dina is doing is bringing a lot of that operational information and seeing, like applying that to the blade testing to be able to, to get us to. The next step of being able to innovate while knowing a little bit [00:16:00]more of what exactly you’re putting on there and not taking as big a risk. Allen Hall: Does the lack of torsional testing increase the risk? Because if you listen to, uh, a, a lot of blade structure people, one of the things that’s discussed, and Blaina has been working on this for a couple of years, I went back. Two or three years to see what some of the discussions were. They’ve been working with DTU for quite a while, but Dina has, uh, but they think that some of the aging issues are really related to torsion, not to flap wise or edgewise movement of the blade, if that’s the case, particularly on longer blades, newer blades, where they’re lighter. If that’s the case, is there momentum in the industry to create a standard on how to. Do this testing because I, I know it’s gonna be difficult. I, I can imagine all the people from Blaina that are working on it, and if you’ve met the Blaina folk, there [00:17:00] are pretty bright people and they’ve been working with DTU for a number of years. Everybody in this is super smart. But when you try to get something into an IEC standard, you try to simplify where it can be repeatable. Is this. Uh, is it even possible to get a repeatable torsion test or is it gonna be very specific to the blade type and, or it is just gonna be thousands of hours of engineering even to get to a torsion test? Yolanda Padron: I think right now it’ll be the thousands of hours of engineering that we’re seeing, which isn’t great, but hopefully soon there, there could be some sort of. A way to, to get all of these teams together and to create a bit of a more robust standard. Of course, these standards aren’t always perfect. We’ve seen that in, in other aspects such as lightning, but it at least gets you a starting point to, to be able to, to have everyone being compliance with, with a similar [00:18:00] testing parameters. Allen Hall: When I was at DTU, oh boy, it’s probably been a year and a half, maybe two years ago. Yikes. A lot has happened. We were able to look at, uh, blades that had come off the first offshore wind project off the coast of Denmark. These blades were built like a tank. They could live another 20, 30 years. I think they had been on in the water for 20 plus years. If I remember correctly. I was just dumbfounded by it, like, wow. That’s a long time for a piece of fiberglass to, to be out in such a harsh environment. And when they started to structurally test it to see how much life it had left in it, it was, this thing could last a lot longer. We could keep these blades turned a lot longer. Is that a good design philosophy though? Are should we be doing torsional testing to extend the lifetime to. 40, 50 years because I’m concerned now that the, well, the reality is you like to have everything fall apart at once. The gearbox to fail, the generator to fail, the [00:19:00] blades, to fail, the tower, to fail all of it at the same time. That’s your like ideal engineering design. And Rosemary always says the same thing, like you want everything to fall apart and the same day. 25 years out because at 25 years out, there’s probably a new turbine design that’s gonna be so much massively better. It makes sense to do it. 20 years is a long time. Does it make sense to be doing torsional testing to extend the lifetime of these blades past like the 20 year lifespan? Or is, or, or is the economics of it such like, if we can make these turbines in 50 years, we’re gonna do it regardless of what the bearings will hold. Yolanda Padron: From, from speaking to different people in the field, there’s a lot of appetite to try to extend the, the blade lifetime as long as the permits are. So if it’s a 50 year permit to try to get it to those 50 years as much as possible, so you don’t have to do a lot of that paperwork and a lot of the, if you have to do [00:20:00] anything related to the mono piles, it’s a bit of a nightmare. Uh, and just trying to, to see that, and of course. I agree that in a perfect world, everything would fail at once, but it doesn’t. Right? And so there you are seeing in the lifetime maybe you have to do a gearbox replacement here and there. And so, and having the, the blades not be the main issue or not having blades in the water and pieces as long as possible or in those 50 years, then you can also tackle some of the other long-term solutions to see if you, if you can have that wind farm. For those 50 years or if you are going to have to sort of either replace some of the turbines or, or eat up some of that time left over in the permit that you have. Allen Hall: Yeah, because I think the industry is moving that way to test gear boxes and to test bearings. RD test systems has made a number of advancements and test beds to do just that, to, [00:21:00] to test these 15, 20, 25 megawatt turbines for lifetime, which we haven’t done. As much of this probably the industry should have. It does seem like we’re trying to get all the components through some sort of life testing, whatever that is, but we haven’t really understood what life testing means, particularly with blades. Right? So the, the issue of torsion, which is popped its head up probably every six months. There’s a question about should we be testing for torsion that. Is in line with bearing testing that’s in line with gearbox testing. If we are able to do that, where we spend a little more money on the development side and the durability side, that would dramatically lower the cost of operations, right? Yolanda Padron: Absolutely. It, it’d lower the cost of operations. It would lower the ask. Now that. A lot of these companies are transition, are [00:22:00]transitioning to be a bit more privatized. It’ll lower the risk long term for, for getting some of those financial loans out, for these projects to actually take place. And, you know, you’ll, you’re having a, a site last 50 years, you’re going to go through different cycles. Different political cycles. So you won’t have that, um, you won’t have that to, to factor in too much, into, into your risk of whether, whether or not you, you have a permit today and don’t have it tomorrow. Allen Hall: It does bring the industry to a interesting, uh, crossroads if we can put a little more money into the blades to make them last 25 years. Pretty regularly like the, the, you’re almost guaranteeing it because of the technology that bleeding that’s gonna develop with Ory Catapult and you get the gearbox and you can get the generator and bearings all to do the same thing. [00:23:00] Are you willing to pay a little bit more for that turbine? Because I think in today’s world or last year’s world, the answer was no. I wanted the cheapest blade. I wanted the cheapest, uh, to sell. I could get, I wanna put ’em on a tower, I’m gonna call it done. And then at least in the United States, like repower, it’s boom, 10 years it’s gonna repower. So I don’t care about year 20. I don’t even care about year 11, honestly, that those days have are gone for a little while, at least. Do you think that there’s appetite for say, a 10% price increase? Maybe a 15% say 20. Let’s just go crazy and say it’s a 20% price increase to then know, hey, we have some lifecycle testing. We’re really confident in the durability these turbines is. There’s a trade off there somewhere there, right? Yolanda Padron: Yeah. I mean, spending 10, 20% of CapEx to it, it. Will, if you can dramatically increase [00:24:00] the, the lifetime of the blades and not just from the initial 10 years, making them 20 years like we’re talking about, but some of these blades are failing before they hit that 10 year mark because of that lack of testing, right. That we’ve seen, we’ve talked to so many people about, and it’s an unfortunate reality. But it is a reality, right? And so it is something that if you’re, you’re either losing money just from having to do a lot of repairs or replacements, or you’re losing money from all of the downtime and not having that generation until you can get those blade repairs or replacements. So in spending a little bit more upfront, I, I feel like there should be. Great appetite from a lot of these companies to, to spend that money and not have to worry about that in the long term. Allen Hall: Yeah, I think the 20 26, 27, Joel would always say it’s 2027, but let’s just say 2027. If you have an [00:25:00] opportunity to buy a really hard and vested turbine or a new ing y, twin headed dragon and turbine, whatever, they’re gonna call this thing. I think they’re gonna stick to the European turbine. I really do. I think the lifetime matters here. And having security in the testing to show that it’s gonna live that long will make all the little difference to the insurance market, to the finance market. And they’re gonna force, uh, the developers’ hands that’s coming, Yolanda Padron: you know, developing of a project. Of course, we see so many projects and operations and everything. Um, but developing a project does take years to happen. So if you’re developing a project and you think, you know, this is great because I can have this project be developed and it will take me and it’ll be alive for a really long time and it’ll be great and I’ll, I’ll be able to, to see that it’s a different, it’s a different business case too, of how much money you’re going to bring into the [00:26:00]company by generating a lot more and a lot more time and having to spend less upfront in all of the permitting. Because if instead of having to develop two projects, I can just develop one and it’ll last as long as two projects, then. Do you really have your business case made for you? Especially if it’s just a 10 to 20% increase instead of a doubling of all of the costs and effort. Speaker 4: Australia’s wind farms are growing fast, but are your operations keeping up? Join us February 17th and 18th at Melbourne’s Poolman on the park for Wind Energy o and M Australia 2026, where you’ll connect with the experts solving real problems in maintenance asset management. And OEM relations. Walk away with practical strategies to cut costs and boost uptime that you can use the moment you’re back on site. Register now at W om a 2020 six.com. Wind Energy, o and m Australia is created [00:27:00] by Wind professionals for wind professionals. Because this industry needs solutions, not speeches, Allen Hall: I know Yolanda and I are preparing to go to Woma Wind Energy, o and m Australia, 2026 in February. Everybody’s getting their tickets and their plans made. If you haven’t done that, you need to go onto the website, woma WMA 2020 six.com and register to attend the event. There’s a, there’s only 250 tickets, Yolanda, that’s not a lot. We sold out last year. I think it’s gonna be hard to get a ticket here pretty soon. You want to be there because we’re gonna be talking about everything operations and trying to make turbines in Australia last longer with less cost. And Australians are very, um, adept at making things work. I’ve seen some of their magic up close. It’s quite impressive. Uh, so I’m gonna learn a lot this year. What are you looking forward to at Wilma 26? Yolanda. [00:28:00] Yolanda Padron: I think it’s going to be so exciting to have such a, a relatively small group compared to the different conferences, but even just the fact that it’s everybody talking to each other who’s seen so many different modes of failure and so many different environments, and just everybody coming together to talk solutions or to even just establish relationships for when that problem inevitably arises without having it. Having, I mean, something that I always have so much anxiety about whenever I go to conferences is just like getting bombarded by salespeople all the time, and so this is just going to be great Asset managers, engineers, having everybody in there and having everybody talking the same language and learning from each other, which will be very valuable. At least for me. Allen Hall: It’s always sharing. That’s what I enjoy. And it’s not even necessarily during some of the presentations and the round tables and the, [00:29:00] the panels as much as when you’re having coffee out in the break area or you’re going to dinner at night, or uh, meeting before everything starts in the morning. You just get to learn so much about the wind industry and where people are struggling, where they’re succeeding, how they dealt with some of these problems. That’s the way the industry gets stronger. We can’t all remain in our little foxholes, not looking upside, afraid to poke our head up and look around a little bit. We, we have to be talking to one another and understanding how others have attacked the same problem. And I always feel like once we do that, life gets a lot easier. I don’t know why we’re make it so hard and wind other industries like to talk to one another. We seem somehow close ourselves off. And uh, the one thing I’ve learned in Melbourne last year was. Australians are willing to describe how they have fixed these problems. And I’m just like dumbfounded. Like, wow, that was brilliant. You didn’t get to to Europe and talk about what’s going on [00:30:00] there. So the exchange of information is wonderful, and I know Yolanda, you’re gonna have a great time and so are everybody listening to this podcast. Go to Woma, WOMA 2020 six.com and register. It’s not that much money, but it is a great time and a wonderful learning experience. That wraps up another episode of the Uptime Wind Energy Podcast. And if today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t for, and don’t forget to subscribe so you never miss an episode. And if you found value in today’s conversation, please leave us a review. It really helps other wind energy professionals discover the show and we’ll catch you on the next episode of the Uptime Wind Energy Podcast. This time next [00:31:00] week.

Ever been told you need a specific denomination to be saved? We cut through that noise with a clear claim: salvation rests on faith in Jesus Christ, not on a brand, a gatekeeper, or a lineage. From there, we trace a thread that binds personal faith, covenant love, national gratitude, and moral courage into a single, compelling call to live what we believe.We open with Song of Solomon 8 and its fierce declaration that many waters cannot quench love. It's a picture of marriage that resists the disposable mindset of our age, urging us to prize covenant, protect intimacy, and treat love as a trust more valuable than wealth. Then we turn to Revelation 9, where startling images expose a deeper reality: even under judgment, hardened hearts cling to idols. That warning lands in the present day—sports, screens, politics, status—showing how modern life can sanctify distractions. Repentance is the way back to joy, not a word for other people but an urgent practice for us.History steps in to steady the frame. President Ulysses S. Grant's Thanksgiving and Christmas messages invite a nation to gratitude, peace, and goodwill—public disciplines that recalibrate our common life. We honor courage through the Medal of Honor story of Otto A. Boehler, whose charge across a burning bridge under fire embodies duty at cost. Together, these moments challenge us to align belief with action: confess Christ as the only mediator, build marriages that endure storms, resist idols that dull the soul, and choose courage when it counts.If this conversation moves you, share it with a friend, leave a review, and subscribe so you don't miss what's next. What idols do you see most clearly—and what's your first step away from them today?Support the showThe American Soul Podcasthttps://www.buzzsprout.com/1791934/subscribe

The festive season is meant to feel joyful, but what if instead it feels like you're behind frosted glass? You can see the lights, hear the laughter, even play the part — but inside you feel numb, separate and alone.In this episode of Fly to Freedom, I talk about the hidden loneliness and emotional disconnection that can show up during Christmas and how eating disorder recovery can amplify these feelings. I'll share why your nervous system creates this “glass box,” how numbness is a form of protection rather than failure, and why people-pleasing and perfectionism often feel louder at this time of year.You'll also learn how to spot the unspoken “rules” you've absorbed about how to show up, how to begin gently rewriting them, and what real self-compassion looks like in the moments you feel most disconnected.This episode is a gentle reminder that you are not broken, you are not failing, and you are not alone.✨ Inside you'll hear:Why numbness is a protective response, not a personal flaw.The role of perfectionism and performance in festive stress.How to dismantle the hidden “rules” that keep you stuck.Simple, honest ways to reconnect with yourself and others.A practice of self-compassion that helps you feel safe in your own body.

Welcome to Today's Episode of the Daughters of the Moon Podcast! In this episode, we're tuning into the powerful messagesand energies for the month of DecemberDecks Featured:Sacred Destiny by Denise LinnSecrets of The Ancestors - Abiola Abrams Cards Pulled:Freedom, Delight, Root of Fire (Risk it all) and The Judge (Poetic Justice) Let's explore the wisdom these energies hold for us thismonth.

Send us a textOn this episode, Gillis & Tarryn give you common sense advice on how to get through the holiday season without all the weight gain but rather maintaining.... which is a WIN!Tarryn gives her advice on what she does to maintain during the holidays without feeling restrictive or FOMO.We hope you enjoy & happy Holidays! Support the showThank you for listening! Don't forget to share our podcast on social and tag us in the share to help us get the word out! Be sure to follow us on social media more education: Tarryn - http://instagram.com/tarryn_nettlesGillis - http://instagram.com/gillis331Interested in working with us? Reach out us! Tarryn: Tarryn@gtnutritionperformance.org Gillis: gpellegrinllc@gmail.com We offer 1:1 online coaching, lab reviews, running labs, 1:1 mentoring for coaches, or group mentoring for coaches. Be on the lookout for educational classes/course coming soon!

The most powerful women didn't wait. They moved, and others followed.How to Start Leading Without PermissionDecide you're a leader — identity FIRST.Stop asking the wrong people for approval — especially those not living the life you want.Own your voice — state your vision, your opinions, your boundaries out loud.Lead in micro-moments — at home, in your business, in your relationships.Expect discomfort — resistance means you're leading, not hiding.Ready to join our Legacy Leadhers Exclusive Membership group? Reach out to Desire dcmergeworldwide@gmail.com or Erin at erinpittinaro.counseling@gmail.com

A TRADE IS COMING and according to reports, it could include one of the younger Knick players. But multiple players were listed when reviewing New York's trade assets that are currently available, some of the names you won't believe are listed! However, even though some players are listed, there is only player most insiders continue to name as a player that will be moved... Pacome Dadiet! Troy Mahabir breaks all of this down! SHOW CHAPTERS: 00:00 - Intro 00:16 - Presented By FanDuel 00:38 - TRADE INCOMING 00:58 - Mitchell Robinson A Trade Asset?! 01:37 - Knicks Trade Assets Right Now 03:49 - Bobby Marks Lists Trade Knicks Can Make Right Now... 05:54 - Why Most Players Listed Will Not Be Traded 08:12 - FanDuel Odds For Winner Of Knicks V Boston Game 20 09:50 - Clock Is Ticking For Pacome Dadiet's Time In New York LISTEN NOW TO GET YOUR KNICKS FIX! Catch the latest special interviews, shorts, fan interactions, and more by following the show! Don't forget to turn on notifications so you don't miss another episode! Rather Watch the latest Knicks Recap episode? Catch us on YouTube here: https://www.youtube.com/@TheKnicksRecap Follow The Knicks Recap on all social media platforms! Twitter: https://twitter.com/TheKnicksRecap Instagram: https://www.instagram.com/TheKnicksRecap/ Reddit: https://www.reddit.com/u/TheKnicksRecap?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button Facebook: https://www.facebook.com/TheKnicksRecap/ Rather Listen to The Knicks Recap on a different platform? Catch us on ALL of your favorite streaming platforms: Apple Podcast: https://apple.co/3SKSl8o Spotify: https://spoti.fi/3QrEfr6 iHeart Radio: https://www.iheart.com/podcast/269-the-knicks-recap-a-new-yor-100895112/ Amazon Music: https://amzn.to/3QoZrOd Other Pod Channels: https://anchor.fm/the-knicks-recap Grab our MERCH featuring some of the graphics you've seen us create to take your Knicks fandom to the NEXT LEVEL: MAIN STORE: https://theknicksrecap.myspreadshop.com/ CashApp: $TheKnicksRecap Have a comment about the show, an interview, or a graphic idea? Reach out to The Knicks Recap on ALL SOCIAL MEDIA PLATFORMS! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Knicks could entertain adding Russell Westbrook to this team once again... only this time at the trade deadline! According to new reports, the Knicks are being linked to a Westbrook trade with the Kings and you're not going to believe which player was listed in the report. The Knicks don't need to continue looking for a backup PG, they already have one... they just need to officially announce it! Troy Mahabir breaks all of this down! SHOW CHAPTERS: 00:00 - Intro 00:11 - Presented By FanDuel 00:35 - Knicks Linked To Trade For Russell Westbrook 01:04 - How Possible Is Knicks Trading For Westbrook? 03:18 - Westbrook As Josh Hart's Backup Would Be ELITE 05:21 - Tyler Kolek Shouldn't Be Traded! He's FINALLY Developing 07:14 - FanDuel Odds For Winner Of Knicks V Celtics Game 20 09:16 - Jalen Brunson Will Have A Monster Game Against The Celtics LISTEN NOW TO GET YOUR KNICKS FIX! Catch the latest special interviews, shorts, fan interactions, and more by following the show! Don't forget to turn on notifications so you don't miss another episode! Rather Watch the latest Knicks Recap episode? Catch us on YouTube here: https://www.youtube.com/@TheKnicksRecap Follow The Knicks Recap on all social media platforms! Twitter: https://twitter.com/TheKnicksRecap Instagram: https://www.instagram.com/TheKnicksRecap/ Reddit: https://www.reddit.com/u/TheKnicksRecap?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button Facebook: https://www.facebook.com/TheKnicksRecap/ Rather Listen to The Knicks Recap on a different platform? Catch us on ALL of your favorite streaming platforms: Apple Podcast: https://apple.co/3SKSl8o Spotify: https://spoti.fi/3QrEfr6 iHeart Radio: https://www.iheart.com/podcast/269-the-knicks-recap-a-new-yor-100895112/ Amazon Music: https://amzn.to/3QoZrOd Other Pod Channels: https://anchor.fm/the-knicks-recap Grab our MERCH featuring some of the graphics you've seen us create to take your Knicks fandom to the NEXT LEVEL: MAIN STORE: https://theknicksrecap.myspreadshop.com/ CashApp: $TheKnicksRecap Have a comment about the show, an interview, or a graphic idea? Reach out to The Knicks Recap on ALL SOCIAL MEDIA PLATFORMS! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listeners respond to Relebogile Mabotja's open line question. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

We've got a rapid-fire, laugh-out-loud reaction to the wild money moves circulating online and a reminder that just because something sounds normal on the internet doesn't mean it's smart in real life. We unpack the hidden costs behind flashy decisions, the myths people tell themselves to justify them, and the simple principles that keep you from getting “rolled” financially. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Skin Anarchy, Dr. Ekta Yadav sits down with Jordan Harper, board-certified nurse practitioner and founder of Barefaced, to explore the movement toward simplicity, integrity, and long-term skin health. With nearly a decade in aesthetic medicine, Harper brings a refreshing, clinically grounded perspective to a beauty landscape overwhelmed by trends, noise, and overcomplicated routines.Harper shares how her early career in the ICU shaped her detail-oriented, problem-solving mindset — and how she carried that discipline into aesthetics. What she noticed immediately was a disconnect: patients would invest heavily in treatments but neglect the daily routine that actually sustains results. That realization became the foundation of Barefaced's “less but better” philosophy, anchored by her Core Four essentials: exfoliant, vitamin C, retinoid, and SPF.Throughout the conversation, Harper reframes skincare as prevention, not correction — a longevity-based approach that prioritizes the barrier, cellular health, and consistency over quick fixes. She also dives into the meaning of true “medical grade”: thoughtful formulations, meaningful concentrations, and uncompromising standards. It's the reason she once pulled a product at a $200,000 loss — integrity outweighs profit.From the cult-favorite Toning Pads that sparked the brand's cult following to Barefaced's commitment to education and honest guidance, Harper emphasizes serving the consumer, not selling to them.Tune in to hear how Jordan Harper is redefining modern skincare through clinical rigor, simplicity, and unwavering authenticity — and why the future of skin health is built on foundations, not fads.SHOP BAREFACED and learn more on social media!CHAPTERS:(0:02) - Introduction & Guest Welcome(0:40) - From ICU to Aesthetics: The Turning Point(2:34) - The 80/20 Rule: At-Home vs In-Office Results(4:39) - Common Routine Mistakes & Barrier Damage(7:16) - “Less, But Better” and The Core Four(9:28) - Longevity vs Anti-Aging(12:12) - What “Medical Grade” Really Means(17:28) - Scaling with Integrity & Brand Discipline(20:35) - Cult Favorites, Toning Pads & Community-Centered CarePlease fill out this survey to give us feedback on the show!Don't forget to subscribe to Skin Anarchy on Apple Podcasts, Spotify, or your preferred platform.Reach out to us through email with any questions.Sign up for our newsletter!Shop all our episodes and products mentioned through our ShopMy Shelf!*This is a paid collaboration Hosted on Acast. See acast.com/privacy for more information.

We review the results from Zscaler (ZS) and Workday (WDAY) and predict which stock is more likely to outperform over the next 10 years. Who ya got? Asit Sharma, David Meier, and Tim Beyers: - Review last week's results from Zscaler and Workday. - Predict which of the two will outperform more over the next 10 years. - Tackle investors' pressing Mindset questions. Have a Mindset question you'd want answered on a future show? Reach out to Tim at tbeyers@fool.com. Don't wait! Be sure to get to your local bookstore and pick up a copy of David's Gardner's new book — Rule Breaker Investing: How to Pick the Best Stocks of the Future and Build Lasting Wealth. It's on shelves now; get it before it's gone! Companies discussed: ZS, WDAY Host: Tim Beyers Guests: Asit Sharma, David Meier Producer: Anand Chokkavelu Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome into the Young Dad Podcast — whether you're outside grilling, mowing the lawn, changing dirty diapers, or maybe you got a moment to sit back and relax — thanks for being here and thanks for tuning in.Today's guest is Dr. John Chanaca, a Licensed Family Counselor, veteran educator, and founder of MJChanacaPublishing—a company devoted to wholesome, values-based children's books and parenting tools. With over 42 years of experience teaching and counseling in schools, he's also the author of Power Parenting, The Super Student Series, and The Family Values Series, which are helping families raise resilient, character-driven kids in a distracted world.Visit the website for interactive activity guides and everything YDP- ⁠⁠www.youngdadpod.com Click the link for YDP deals (Triad Math, Forefathers, and more) - https://linktr.ee/youngdadpod Interested in being a guest on the Young Dad Podcast? Reach out to Jey Young through PodMatch at this link: https://www.joinpodmatch.com/youngdadLastly, consider making a monetary donation to support the Pod, https://buymeacoffee.com/youngdadpod.Listeners, don't forget to check out:

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  

Three hundred episodes. Wild. Absolutely wild. We made it here together—and it's all thanks to you, our Ready 4 Pushback family! To mark this incredible milestone, Nik sits down with one of his closest friends and longtime collaborators—Tron Williams, CEO and co-founder of Spitfire Elite. This isn't just another chat about résumés and interviews—this one goes deep. Nik and Tron unpack the origin story of Spitfire, how two Navy guys and a vision for helping underdogs turned into one of aviation's most respected professional-development communities. From humble beginnings in a closet studio to a global community of aviators pursuing their dream jobs, this episode celebrates what it means to build something bigger than yourself—and to lift others while you climb.  CONNECT WITH US Are you ready to take your preparation to the next level? Don't wait until it's too late. Use the promo code "R4P2025" and save 10% on all our services. Check us out at www.spitfireelite.com! If you want to recommend someone to guest on the show, email Nik at podcast@spitfireelite.com, and if you need a professional pilot resume, go to www.spitfireelite.com/podcast/ for FREE templates! SPONSOR Are you a pilot just coming out of the military and looking for the perfect second home for your family? Look no further! Reach out to Marty and his team by visiting www.tridenthomeloans.com to get the best VA loans available anywhere in the US. Be ready for takeoff anytime with 3D-stretch, stain-repellent, and wrinkle-free aviation uniforms by Flight Uniforms. Just go to www.flightuniform.com and type the code SPITFIREPOD20 to get a special 20% discount on your first order. #Aviation #AviationCareers #aviationcrew #AviationJobs #AviationLeadership #AviationEducation #AviationOpportunities #AviationPodcast #AirlinePilot #AirlineJobs #AirlineInterviewPrep #flying #flyingtips #PilotDevelopment #PilotFinance #pilotcareer #pilottips #pilotcareertips #PilotExperience #pilotcaptain #PilotTraining #PilotSuccess #pilotpodcast #PilotPreparation #Pilotrecruitment #flightschool #aviationschool #pilotcareer #pilotlife #pilot

We made it to December (against all odds), and the holidays are in full swing. Host Ali Vallarta, producer Ivana Martinez, and newsletter editor Terina Ria bring you a guide on how to make the most of this month, from kimchi popups to strolling down Christmas Street and ways to give back. Plus, it's avalanche season — listen to this episode on why avalanche safety isn't just for skiers.  If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast Salt Lake community.  For even more tips on how to make the most of December in Salt Lake, check out Hey Salt Lake's take on what to do this month.  City Cast Salt Lake is made possible by our awesome sponsors: Harmons, Red Butte Garden, Oak View Group, and Utah Museum of Fine Arts. We're also powered by our members, who enjoy an ad-free version of the show. Find out more about how to become a member of City Cast Salt Lake. Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: (801) 203-0137 Interested in advertising with City Cast? Check out our options. Reach us at saltlake@citycast.fm.

Want to work with us? Reach out! inquiries at milestomemories dot com Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description On this episode of MTM Travel Joe Cheung joins Shawn to catch up on some travel happenings. During the show Joe discusses and reviews his time on the world's largest cruise ship. It has a lot to do, but is Star of the Seas worth the premium price? We also discuss: post Thanksgiving, the traveler's dilemma, Paris vibes and the social media trap all traveling parents fall into. 0:00 Welcome to MTM Travel 0:32 The blessing/curse of traveling with extended family 6:15 Traveling with travelers vs. non-travelers 15:04 How travel planning falls on "us" 19:48 Trip planning for Paris/London - What to do? 25:55 Chase finally ads lifetime language - Big restriction! 30:40 Being a good customer to the banks? 36:57 Hyatt's weird Guest of Honor technological quirk Links Joe Cheung - https://www.youtube.com/@disneydeciphered  https://www.instagram.com/asthejoeflies/?hl=en Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

On this episode of The Chris Johnston show, Julian McKenzie and Chris Johnston go over a variety of topics including: (00:00) CJ's big news (3:30) Which veterans are going Vancouver going to trade? (7:45) Teams are waiting for dominos to fall before wanting to trade? (12:00) The mid-off (14:00) The loser point (18:00) The Senators might go for a big swing? (25:30) Extensions to the Calgary Flames front office (29:00) Edmonton still looking for a goalie? (31:30) What is the temperature in Montreal? (34:00) Cole Caufield (37:00) Connor Bedard willing himself onto Team Canada (45:00) Are the Rangers still in the mix? (47:45) Ask CJ Pre Order Julian's book BLACK ACES here: https://www.amazon.ca/Black-Aces-Essential-Stories-Trailblazers/dp/1637278624 Watch all episodes of The Chris Johnston Show here: https://www.youtube.com/playlist?list=PLLk7FZfwCEifwZnM5KxOFlm0lQjkEheLw Buy CJ Show merch: https://sdpnshop.ca/collections/cj-show Follow us on Instagram: @reporterchris @jkamckenzie and @sdpnsports Follow us on X: @reporterchris @jkamckenzie @sdpnsports Reach out to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.sdpn.ca/sales⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to connect with our sales team Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textAre you accidentally killing the fish you catch? In this episode, we sit down with legendary Pro Angler Gary Klein and a Fisheries Biologist professor from the University of Illinois to reveal the hard truth about fish care. We dive deep into the science of catch and release, exposing common "conservation" myths that anglers believe are helpful but are actually hurting the fish.From the proper way to handle slime coats to the debate on fizzing and livewell additives, we cover the biology behind keeping bass alive. Whether you are a tournament angler trying to avoid penalties or a recreational fisherman who wants to preserve the resource, this conversation will change the way you handle fish forever

Blake Lovell and Max Barr preview Duke vs. Florida in the 2025-26 college basketball season and share predictions for this highly anticipated ACC/SEC challenge matchup. PLAYERS TO WATCH Cameron Boozer 22.9 points, 9.8 rebounds, 3.9 assists Isaiah Evans 12.5 points (19-54 35.2% 3PT) Thomas Haugh 17.9 points, 7.9 rebounds, 3.0 assists Alex Condon 15.7 points, 8.8 rebounds, 3.5 assists GAMETIME SIDEKICKS Use promo code SE16 for 20% off! http://www.gametimesidekicks.com/ YEARLY CO Use promo code SE16KIT for a free sizing kit! https://yearlyco.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to caroline.bellcow@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Chris Lee, Chase Robinson, and Jay Greeson preview and share their predictions for Georgia vs. Alabama battling for the SEC Championship. GAMETIME SIDEKICKS Use promo code SE16 for 20% off! http://www.gametimesidekicks.com/ YEARLY CO Use promo code SE16KIT for a free sizing kit! https://yearlyco.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to caroline.bellcow@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Blake Lovell and Max Barr discuss and rank all 16 SEC basketball teams after Week 3 of the 2025-26 season, including Kentucky, Tennessee, Alabama, Florida, Auburn, Vanderbilt, Arkansas and more. GAMETIME SIDEKICKS Use promo code SE16 for 20% off! http://www.gametimesidekicks.com/ YEARLY CO Use promo code SE16KIT for a free sizing kit! https://yearlyco.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to caroline.bellcow@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! #sec #secbasketball #collegebasketball Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Chris Lee and Blake Lovell share their thoughts on the SEC football coaching carousel with Kentucky firing Mark Stoops, potential coaching candidates for the Wildcats, the Lane Kiffin fallout at Ole Miss and LSU, expectations for the Rebels in the College Football Playoff, Penn State's interest in Tennessee head coach Josh Heupel, and much more. GAMETIME SIDEKICKS Use promo code SE16 for 20% off! http://www.gametimesidekicks.com/ YEARLY CO Use promo code SE16KIT for a free sizing kit! https://yearlyco.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to caroline.bellcow@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Blake Lovell and Max Barr preview Kentucky vs. North Carolina in the 2025-26 college basketball season and share predictions for this highly anticipated ACC/SEC challenge matchup. PLAYERS TO WATCH Denzel Aberdeen 14.0 points, 4.3 rebounds, 3.4 assists Otega Oweh 13.0 points, 2.3 assists, 1.1 steals Henri Veesaar 15.9 points, 8.3 rebounds, 1.6 blocks Caleb Wilson 19.9 points, 9.9 rebounds, 1.7 steals GAMETIME SIDEKICKS Use promo code SE16 for 20% off! http://www.gametimesidekicks.com/ YEARLY CO Use promo code SE16KIT for a free sizing kit! https://yearlyco.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to caroline.bellcow@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome! I'm Julianne, a Holistic Transformation Coach.I help people break free from toxic relationship patterns, rebuild self-trust, and reconnect with their body and true self after trauma.On this channel, you'll find practical tools, nervous system support, and honest, faith-aligned insights to help you:Recover from the effects of trauma and toxic relationshipsBreak free from narcissistic abuse cyclesRebuild your identity and strengthen healthy boundariesRelease people-pleasing and self-sabotaging patternsCreate nervous system safety and emotional stabilityReconnect with your body, your voice, and your true selfI post new videos regularly to support your healing journey and help you come home to yourself. Subscribe and turn on notifications to get updated.Survivor to Thriver 80% OFF - https://www.rawmotivations.com/survivorFollow me on Instagram: @rawmotivationsFollow me on TikTok: @rawmotivationsQuestions? Reach out: support@rawmotivations.comStart healing today with my free 5-Day Boundaries Reboot Challenge: https://www.rawmotivationscoaching.com/boundaries

In this powerful episode of Fed by the Fruit, KB sits down with Hilary Williams—daughter of country music legend Hank Williams Jr. and granddaughter of Hank Sr.—to share a testimony only God could write. Hilary opens up about growing up in the “Kennedys of country music,” being diagnosed with Type 1 diabetes at just eight years old, and the devastating car accident in 2006 that nearly took her life. She recounts the terrifying moments after the crash, her out-of-body experience, and what she saw and heard in heaven: streets of gold, worship, joy, and even Johnny Cash and June Carter in their glorified bodies.Hilary also shares honestly about her long road of recovery—multiple surgeries, chronic pain, PTSD, addiction to anxiety meds, and the ongoing realities of living with diabetes and a traumatic brain injury. But woven through every detail is the undeniable faithfulness of God: from Jesus visiting her as a child and promising to always take care of her, to the peace and healing she's experienced through prayer, holistic care, and the support of others. If you've ever wrestled with fear, grief, or the question of where God is in suffering, this Christian testimony will encourage you to see your scars as evidence of His mercy and remind you that, in Christ, there truly is a future and a hope.This episode serves as both an informative guide to embrace a healthier, more balanced lifestyle, encouraging listeners to embark on their journeys with renewed vigor and compassion.Reach out to KB on Instagram and share your thoughts and connect with Hilary on Instagram

The Celtics beat the Cavs 117-115 and Pritchard put on a show!!! Despite an immense amount of hate from some fans, he puts up 42pts on a crazy efficient 15-22 from the field and 6-11 from 3! There was nothing he couldn't do in this game. He finished at the rim, from deep and had a bunch of his midrange shots with 6 big FTs sprinkled in there as well. This really was a huge game for him.JB, while is wasn't his most efficient night, put up a 19pt 12reb 11ast TRIPLE DOUBLE! Jordan Walsh contributed a ton with a 14pt 11reb double double and Anfernee Simons stepped up in a major way in the first half as well. We talk about all the player performances and break down the ending of tonight's game so check out the podcast today!This podcast is brought to you by me, Guy DePlacido. I have been a Loan Officer servicing MA, NH and ME for the last 5 years so if you are looking to buy or refinance, reach out to me today at (978) 804-7756 or email me at guy.deplacido@ccm.com! Like the Boston Celtics, I know that you need a great team behind you to win so this year I am partnering with some of my favorites including Deb Burke, and Collin Tucker.If you're looking to buy or sell a home in the near future meet Deb Burke, your trusted realtor at Compass Real Estate, serving MA and NH. With a passion for finding dream homes, Deb is committed to making your real estate journey a breeze. Whether you're buying or selling, Deb's got your back. Reach out today at 978-930-4621 or email deb.burke@compass.com to start your next chapter. Let's turn your real estate dreams into reality!After getting preapproved with me and finding your home with Deb Burke, you'll want to make sure your home is protected and for that, there is nobody better than Collin Tucker at Berlin Insurance Group. Collin is a local agent but he is licensed in all of New England with over 20+ carriers for auto and home insurance guaranteeing the lowest quote possible. I have worked with Collin so many times not only for my clients insurance needs but mine as well. Reach out to Collin Tucker at Berlin Insurance Group at 508-459-1226 or Collin@berlininsurancegroup.comOne of my favorite things about the Celtics is how much they care and give back to the community and INspire Cafe is following that model too. Inspire Cafe is a Community Cafe in Wakefield on a mission to inspire change and creating a more inclusive world where individuals with diverse abilities are not just included but valued. If you're looking for, not only amazing food, but an opportunity to support a cafe that is inspiring change check out INspire Cafe in Wakefield today!

We are in the thick of the holiday season here in Pittsburgh, and there's so many ways to bask in the glow of cheery light displays. Explore a photography exhibit, shop at seasonal markets, and consider getting a pretzel to celebrate New Year's. Plus, if you want to lean into the festive spirits, be sure to visit one of the city's many pop-up holiday bars. Want to make a request for our holiday music show? Call our HOLIDAY MUSIC HOTLINE at 412-212-8893, and let us know what song you want to hear, where you're calling from, and if you want to dedicate your request to a loved one.  Get more from City Cast Pittsburgh when you become a City Cast Pittsburgh Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Join now at https://membership.citycast.fm/  If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast Pittsburgh community.  For even more tips on how to make the most out of November in Pittsburgh, check out Hey Pittsburgh's take on what to do this month. City Cast Pittsburgh is made possible by our awesome sponsors, AIDS Free Pittsburgh, The Frick Pittsburgh, and Honeygirls Wraphaus. Interested in advertising with City Cast? Find more info here. Reach us at pittsburgh@citycast.fm.

"Childlike, Not Childish"Mathew 18:1-4Guest Pastor Casey SteenNovember 30, 2025Pastor Casey's previous message at Oasis: https://youtu.be/HeB-D4F-lysHave you heard the news about the FUTURE of Oasis Church?https://www.oasischurch.online/futureWhy we tithe: https://youtu.be/GEBQV8j2e7UHow should Christians respond to wickedness in the world? https://youtu.be/2OJUIM9YRwAHow to VOTE BIBLICALLY - highlighting Virginia's proposed Constitutional amendments on Abortion & Marriage https://youtu.be/Y8z8xTFsOn8Should Christians pay attention to POLITICS? https://www.youtube.com/watch?v=ak82aD16r04SERMON NOTES:- Mark 12:30- Childlike, Not Childish- Hebrews 11:6 “without faith it is impossible to please God.”- Mathew 18:1-4- Luke 18:17- The kingdom of God is not built on achievement—it's received through astonishment.- 1. ChildLIKE Faith is full of Wonder and Awe, it's not unresponsive and apathetic. - Exodus 15:11- Hebrews 12:28-29- Psalm 139:14- Self Reflection: Have I lost my sense of Wonder and Awe?- 2. ChildLIKE Faith is full of Faith and Trust, not disbelief and suspicion.- Hebrews 11:1- Hebrews 11:6- Currency of heaven - Matthew 9:29- Matthew 15:28- Mark 11:22-24- Matthew 9:22- “…because the more you understand of the character of God, the more utterly inconsistent with rational thought it would be that God would ever deceive you, because His track record is perfectly consistent.” —R.C. Sproul- Self Reflection: Where can I trust God more and have greater faith?- 3: ChildLIKE Faith is full of Humility and Gratitude, not selfishness and entitlement.- “When we have conquered ourselves, we have conquered all” —Charles Spurgeon- Because self-love turns everything inward.  But biblical love is outward.- 1 Corinthians 13:5- Luke 18:9–14- James 4:6- Matthew 23:12- Proverbs 16:18- Childlike faith is not childish faith. Being ChildLIKE resonates with and embraces the neediness, dependency, and smallness of those who understand their place in the kingdom of God. ChildISH simply put, is one who refuses to grow up and thinks everything is about THEM.- Self Reflection: What areas of my life have I become selfish and entitled?  Oasis Church exists to Worship God, Equip the believers, and Reach the lost.We are led by Pastor Nate Clarke and are located in Richmond, VA.Stay Connected:Website: https://oasischurch.online Instagram: https://www.instagram.com/oasischurchva/Facebook: https://www.facebook.com/OasisChurchRVA/

In this throwback episode originally released in May for Mental Health Awareness Month, I wanted to reshare this episode to continue spreading mental health awareness by sharing the Top 10 Mental Health tip clips from The 20% Podcast in this week's episode. This is 10 tips ranging from Mental Health, to ADHD, to mindset during tough times, and everything in between.________________________________This week's episode features:Travis Tyler: “How Therapy Changed Travis' Life” (Episode 128)https://podcasts.apple.com/us/podcast/128-removing-the-fear-of-embarrassment-with-travis/id1528398541?i=1000597251265 Anthony Natoli: “Getting To The Other Side Of Tough Times” (Episode 115)https://podcasts.apple.com/us/podcast/115-admitting-when-you-need-help-and-getting-to-the/id1528398541?i=1000584475420 Anna Morgan: ADHD SuperPower (Episode 101)https://podcasts.apple.com/us/podcast/101-using-adhd-as-your-professional-superpower-with/id1528398541?i=1000571072696 Ian Koniak: Getting Stronger Through Pain (Episode 108)https://podcasts.apple.com/us/podcast/108-getting-stronger-in-moments-of-pain-with-ian-koniak/id1528398541?i=1000579176703 Joe Espinosa: Mindset 101 Course (Episode 173)https://podcasts.apple.com/us/podcast/173-matching-your-job-with-your-skills-and-lifestyle/id1528398541?i=1000638177013 Rachel Druckenmiller: Normalizing Frustration (Episode 33)https://podcasts.apple.com/us/podcast/33-rachel-druckenmiller-founder-ceo-of-unmuted-being/id1528398541?i=1000516385172 Darren McKee: Having a “Working-Parent Coach” (Episode 66) https://podcasts.apple.com/us/podcast/66-darren-mckee-mastering-your-first-120-days-of/id1528398541?i=1000542691843 Bryan Sagray - Taking in tough times (Episode 135)https://podcasts.apple.com/us/podcast/135-stopping-to-take-in-the-moment-with-bryan-sagray/id1528398541?i=1000604944739  Chris Bogue - Overcoming Tough Times (Episode 132) https://podcasts.apple.com/us/podcast/132-sales-lessons-from-improv-comedy-and-overcoming/id1528398541?i=1000601811110 Jon Macaskill: Taking Ourselves Less Seriously (Episode 69) https://podcasts.apple.com/us/podcast/69-jon-macaskill-the-benefits-of-mindfulness/id1528398541?i=1000544790627 Enjoy this week's episode! ____________________________________________________________________________I am now in the early stages of writing my first book! In this book, I will be telling my story of getting into sales and the lessons I have learned so far, and intertwine stories, tips, and advice from the Top Sales Professionals In The World! As a first time author, I want to share these interviews with you all, and take you on this book writing journey with me! Like the show? Subscribe to the email: https://mailchi.mp/a71e58dacffb/welcome-to-the-20-podcast-communityI want your feedback!Reach out to 20percentpodcastquestions@gmdail.com, or find me on LinkedIn.If you know anyone who would benefit from this show, share it along! If you know of anyone who would be great to interview, please drop me a line!Enjoy the show!

We're back with one of our most very favorite people and Oakes local, Kausha Magill, to talk Chambers of Commerce. This episode explores how Chambers of Commerce can stay relevant by embracing collaboration, experimentation, and a regional mindset. It's a practical, uplifting look at what happens when chambers evolve with the times instead of sticking to the "Well, this is how we've always done it."  About Kausha: Kausha lives on her family's farm and ranch about 15 miles north of Oakes. She and her husband Chuck, have been married for 30 years and have three children: Dalton, who is married to McKinzee, and their daughter, Nellie Mae (soon to be a big sister!); Addison and her husband, Parker; and their youngest son, Garret, who is engaged to his lovely fiancée, Morgan. They are so proud to say that their sons are part of the family farm/ranch and so that legacy will continue for the Magill homestead. Their daughter is also involved in agriculture and has started her own Ag Marketing business, where she designs and produces bull sale catalogs along with other creative advertising for ag-related businesses.   Kausha was an English Teacher in her early days then worked side by side with her husband for several years until their sons were able to be involved in the day-to-day operations. Then, the wonderful opportunity to become the Oakes Area Chamber of Commerce Director became her part-time job, and she's been serving in that capacity for nearly six years!   She can honestly say that she's never had a day when she dreaded coming to work and finds her job to be incredibly rewarding. She gets excited thinking about young people coming back to Oakes because it's a thriving small town! She loves being able to help our chamber membership promote what they have, whether that is merchandise, services, opportunities, or events for the public, as well as just promote Oakes as a whole.   In her free time, she likes to spend time with her family (especially her new granddaughter!) and work on puzzles and read in the winter. Her summers are usually filled with outdoor activities, along with riding horses as much as she can!   In this episode, we cover: Why regional collaboration may be the next evolution for rural chambers. How the Oakes Chamber uses progressive leadership and strong governance to stay relevant. Union Square: how a bold park project became a community hub in year one. What makes board recruitment work in a small town. Why ideas need a place to land, and how chambers can become that place.  Links + Resources Mentioned: Oakes Chamber Website: https://oakesnd.com/chamber Oakes Chamber Facebook: https://www.facebook.com/oakeschamber/ More about Union Square: https://www.inforum.com/news/north-dakota/teens-in-oakes-transform-downtown-with-new-union-square-park Sponsor Spotlight: The Yellow Bird The Yellow Bird is a longtime favorite and friend of Growing Small Towns and our Executive Director, Rebecca. The Yellow Bird is a family-owned, all-natural skincare company committed to keeping things pure, simple, and safe. Their products are made with real ingredients you can pronounce (and actually read on the label), free from synthetic chemicals, and gentle enough for the whole family—especially anyone with allergies or sensitivities. Founded by Nicole, who grew up in a home that prioritized holistic living, The Yellow Bird was born from a simple truth: what we put on our skin matters. Their mission is to make effective, affordable skincare using minimal yet powerful ingredients like coconut oil and essential oils. You can shop their full line online, including on Amazon. Use https://www.theyellowbird.co/?ref=REBECCAUNDEM for a discount when you shop!  Want to get your business in front of our audience? We are looking for podcast sponsors! Each season, we feature a select group of Small Business Partners—brands that share our mission to celebrate small-town life and big ideas. With a 4–6% average Facebook engagement rate (well above the industry average), 2,600+ loyal followers, and 45,000 monthly content views, we have an amazing, highly engaged audience of people who can't wait to learn more about you. When we feature you, your story, and your product/service, it's like a friend's recommendation, because it is. Want to know more? Reach out to us at hello@growingsmalltowns.org We have a membership! Join the GST Club — a virtual support community built for those leading change in small-town America. For $30/month, you'll get twice-monthly live calls with Rebecca, access to a private network of fellow small-town changemakers, replay recordings, frameworks, and early access to GST events. It's for anyone from volunteers and entrepreneurs to city officials who believe small towns deserve big ideas and better leadership. Part think-tank. Part pep-talk. Part creative jam session. All support.  We Want to Hear From You! We really, really do, and if you'll let us, we'd love to feature your actual message just like we did with Terri's (with your permission, of course!) Some of the best parts about radio shows and podcasts are listener call-ins, so we've decided to make those a part of the Growing Small Towns Podcast. We really, really want to hear from you! We're have two "participation dance" elements of the show: "Small town humblebrags": Call in and tell us about something amazing you did in your small town so we can celebrate with you. No win is too small—we want to hear it all, and we will be excessively enthusiastic about whatever it is! You can call in for your friends, too, because giving shout-outs is one of our favorite things.  "Solving Your Small-Town People Challenges": Have a tough issue in your community? We want to help. Call in and tell us about your problem, and we'll solve it on an episode of the podcast. Want to remain anonymous? Totally cool, we can be all secretive and stuff. We're suave like that.  If you've got a humblebrag or a tricky people problem, call 701-203-3337 and leave a message with the deets. We really can't wait to hear from you!  Get In Touch Have an idea for a future episode/guest, have feedback or a question, or just want to chat? Email us at hello@growingsmalltowns.org   Subscribe + Review Thanks for tuning into this week's episode of The Growing Small Towns Show! If the information in our conversations and interviews has helped you in your small town, head out to Apple Podcasts, Stitcher, or Spotify, subscribe to the show, and leave us an honest review. Your reviews and feedback will not only help us continue to deliver relevant, helpful content, but it will also help us reach even more small-town trailblazers just like you!  

This week, the fairytale magic returns as I welcome the one and only Chadmarvelous (@chadmarvelous) back to the show! 

Welcome to December 2025 and an episode from 2021. This episode is packed with stories about breaking (tamishawara). Remember that back in 2021, when this was recorded Sensei Landyn was a kid. In the years between then and now Sensei Landyn has done many breaks including the required one with the nunchaku mention in this episode. We also mention quite a few episodes, including one on Kimi (focus). Here's the link:https://www.buzzsprout.com/477379/episodes/8501411After this episode originally aired we did discuss Master Kelljchian's saying "If you tell me you're stupid, I'll tell you you're stupid." Here ya go:https://www.buzzsprout.com/477379/episodes/9274638And finally, we mention Sensei Baier in this episode. He has been on the show a couple of times to talk about Kurosawa movies. Here's one:https://www.buzzsprout.com/477379/episodes/14477612Thanks for listening and if you have a minute and an extra couple of pennies, click the link below to support the show. We appreciate the support. Support the showThanks so much for listening and sharing the podcast with friends. Reach us all over the web. Facebook and twitter are simply wildcatdojo. However, insta is wildcatdojo conversations. (There's a story there.)On YouTube (where we are now airing some of our older episodes - complete with a slideshow that I tweak constantly) https://www.youtube.com/@wildcatdojo9869/podcastsAnd for our webpage, where you can also find all the episodes and see some info about the dojo: http://wildcatdojo.com/025-6/podcast.html . And of course, we love it when you support our sponsor Honor Athletics. Here is their link:https://honor-athletics.com/Thank you for listening.

Whether you're a holiday grump or can't get enough of all things merry and bright, we've got your guide to what to eat, drink, see, and do this December in DC, from Guinness World Record kissing to DC's best gifts. If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast community. For even more tips on how to make the most of November in DC, check out Hey DC's take on what to do this month.  If you enjoyed today's interview with District Bridges' Director of Storytelling and Marketing, Anna Claire, learn more here. Learn more about the sponsors of this December 1st episode: Nace Law Group Gay Men's Chorus of Washington, DC St. Ann's Center for Children, Youth and Families Interested in advertising with City Cast? Find more info HERE. Reach us at DC@citycast.fm.

This week's throwback Addicted to Fitness gives you the tools you need to start a successful fitness journey. Nick and Shannon discuss how discovering your favorite exercise, food tracking, meal prepping, backup plans, micro workouts, and more will set you up for fitness success this year on this old school episode. Original air date 1/8/2024. Follow the podcast profile on Instagram @TheATFPodcast. Give it a listen and let us know what you think by leaving a rating & review in Apple Podcasts. Visit addictedtofitness.libsyn.com to listen to our entire archive. Like & Follow the Addicted to Fitness Podcast Facebook page (Facebook.com/addictedtofitnesspodcast). Follow Nick & Elemental Training Tampa on Facebook (www.facebook.com/ElementalTampa) and Instagram (www.instagram.com/ettampa/) to participate in free live workouts. Follow the podcast profile on Instagram @TheATFPodcast and send Nick a DM if you're interested in receiving a customized workout plan or visit shannonjb.com (IG @shannonjb) to learn more about Shannon's wellness coaching program.

Send us a textThis week on Inside the Bunghole, Lance and James chat with Napa legend and resident grape whisperer Peter Heitz, the winemaker at Turnbull Wine Cellars. Heitz isn't just any guy with a corkscrew — he's a 14th-generation grape grower who somehow managed to turn “fine, I'll take the job” into 18 vintages of world-class wine. He tells us how he stumbled into Turnbull, discovered the team wasn't broken (just underloved), and turned a bunch of “okay” wines into bottles people proudly bring to their mom's birthday dinners.Peter breaks down the art of “doing less” in winemaking — basically, how not to screw up a good grape. He compares himself to a midwife instead of a surgeon, preaches the power of letting the wine be itself, and takes some hilarious jabs at overproduced, over-oaked “stick and chip” wines. (Spoiler: if your wine needs a push-up bra, it's not a natural beauty.) Between lazy-eye jokes, pink-eye accusations, and life lessons about teamwork and humility, the crew somehow still manages to talk about actual wine.It's a perfect blend of humor, heart, and hangovers. From $19 million worth of dumped juice to the great “mystery grape” that turned out to be Lagrine, Peter proves that real craftsmanship isn't about perfection — it's about passion, patience, and knowing when to walk away from bad vino. So pour a glass, lean in, and prepare to toast to doing less, loving your team, and letting the grapes (and jokes) breathe.Cheers! Please like, follow, subscribe and rate us! We LOVE to hear your comments! Reach out to us on our social media: Facebook and Instagram @insidethebungholeTwitter @bungholepodcastOur webpage is insidethebunghole.buzzsprout.comOR email us at insidethebunghole@gmail.com

FULL EPISODE | FN Barn Burner: Boomer, Pinder & WarrenerTOP SHELF ELFhttps://nationgear.ca/collections/top-shelf-elf-auctionTIMESTAMPS ⏰1:00 Intro Banter12:00 Boomers Weekend18:00 Holiday Spirits Show36:00 Flames Game40:00 Cooley46:00 Oilers Goalies52:00 Flames Road Trip01:00:00 Pinder Report01:33:00 Bet36501:36:00 SuperchatsSubscribe to BarnBurner on Youtube

Please rate and review Charting Toward Intimacy! It helps other women find the podcast and benefit from it!In this episode of Charting Toward Intimacy, Ellen Holloway dives into the damaging expectation that your husband should be able to read your mind (especially when it comes to emotional and sexual needs). She explores why this belief undermines true intimacy and reframes what genuine, loving actions look like in marriage. Ellen breaks down the importance of asking clearly for what you want, and how your husband's choice to respond, even reluctantly, can still be deeply loving. ___________________________________ Did we mention a book on this week's episode? Click here for our recommended books! Reach out at instagram.com/chartingtowardintimacy/ or email us at ellen@vinesinfullbloom.comReady to improve your sex life and take it to the next level? Check out our courses: vinesinfullbloom.com/courses

Reach out to Cody and Buhler to tell them what's up!The coaching carousel was in full tilt over the weekend.Lane Kiffin took his sweet time leaving Ole Miss for LSU, but it did in fact happen.Jon Sumrall's exit from Tulane for Florida was a bit more gracious than Kiffin's, as wash Alex Golesh's departure for Auburn from South Florida.Never change, Lane. Never change...Anywho... John Buhler (Lead Writer, FanSided) and Cody Williams (Content Director, FanSided.com) gave you the latest on the coaching carousel heading into the first week of December.They also shared their latest College Football Playoff bracket projections on this episode of False Start, and so much more!How the turntables have turned...