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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

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

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!

"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/

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!  

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

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

Thanks for watching and listening!In this episode, Gordon shares 10 tools or areas that, if you take advantage of them, can transform your life. He also shares details about his new book, "The Capitalize Your Best Daily Reader". Reach out to Gordon to buy it directly and receive 3 free e-books. You can also purchase it at Amazon at https://a.co/d/aYIn6cj

Send us a textThis month Kiley learns how to code about 100 years before the first computer is ever invented.Topic: Ada Lovelace, the first computer programmer.Support the show✨Subscribe on Buzzsprout to get bonus episodes of Half-Pint History right in your RSS! ✨( https://www.halfwit-history.com/308030/supporters/new )Music: "Another Day" by The Fisherman.Cover Art by LezullaVisit our website at www.HalfwitPodcasts.com! Reach out, say hello, or suggest a topic at HalfwitPod@gmail.com, or on this form!

Songs of Wonder “Wonder for the Hurting” Isaiah 42:1-9   Download the Songs of Wonder Daily Bible Reading Guide | https://bit.ly/48kp792    Download the Songs of Wonder Family Reading Guide | https://bit.ly/3XfXGbd    -- REACH Resources Visit the REACH webpage | https://www.fcchudson.com/reach    -- GET CONNECTED! https://www.fcchudson.com and click Next Steps!   --- Stay connected! Website: https://www.fcchudson.com Facebook: https://www.facebook.com/fcchudson Instagram: https://www.instagram.com/fcchudson YouTube: https://bit.ly/3twyuMN Apple Podcast: https://podcasts.apple.com/us/podcast/faith-community-church-hudson/id1815577020 Spotify Podcast: https://open.spotify.com/show/6uQLVXLr6cig3TEgPYSpDL?si=e0175be24e1141b2   #fcchudson #churchonline Take your next step with us! https://bit.ly/3IJv7f1

Celiac disease affects between one and two percent of Canadians, yet many patients wait years before receiving a clear diagnosis. On this episode of the CMAJ Podcast, the hosts speak with two contributors to the CMAJ review article Diagnosis and management of celiac disease about the condition's diverse clinical presentations, appropriate testing strategies, and the practical realities of long-term dietary management.Jedid-Jah Blom, a registered dietitian at the McMaster Celiac Disease Clinic and researcher at the Farncombe Family Digestive Health Research Unit at McMaster University, shares her own experience being diagnosed and living with celiac. She explains how patients must identify hidden gluten sources in ingredients like dextrin and malt, and why cornmeal or corn flour products may be contaminated. Blom outlines the risks of cross-contamination and dining out challenges, emphasizing whole gluten-free grains over processed products that lack fortification.Dr. Maria Ines Pinto-Sánchez, a gastroenterologist at Hamilton Health Sciences and director of the Celiac Clinic at McMaster University, explains why celiac is called a chameleon disease. She notes that about 30 percent of patients present with gastrointestinal symptoms, while others may have brain fog, fatigue, or anemia. She describes how TTG antibodies plus total IgA are used for screening, with positive results requiring endoscopy and biopsies for confirmation. Dr. Pinto-Sánchez emphasizes that patients should not start a gluten-free diet before testing. She discusses ongoing monitoring including TTG levels, bone density, and nutrient deficiencies.For physicians, the discussion highlights the need for a low threshold when testing TTG antibodies in patients with unexplained fatigue, brain fog, or gastrointestinal symptoms. Both guests stress the importance of completing diagnostic testing before patients begin a gluten-free diet and arranging early dietitian referral.Comments or questions? Text us.Join us as we explore medical solutions that address the urgent need to change healthcare. Reach out to us about this or any episode you hear. Or tell us about something you'd like to hear on the leading Canadian medical podcast.You can find Blair and Mojola on X @BlairBigham and @DrmojolaomoleX (in English): @CMAJ X (en français): @JAMC FacebookInstagram: @CMAJ.ca The CMAJ Podcast is produced by PodCraft Productions

The Celtics lost 119-115 to the Timberwolves despite a JB masterclass. JB led the way with 41pts 6reb 7ast and was efficient doing it shooting 53% from the field and 45% from 3. He also had a huge pullup 3 to tie the game at 110 capping a Celtics 12-0 run before the Timberwolves pulled away. This game was also one of the best Queta games we have seen in his career. Queta scored 19pts and added 18rebs and 2blks. Its certainly a tough way to lose when you have 2 guys put on incredible performances but it was one of the more fun games to watch. Make sure to listen to the full podcast to hear all the back and forth and more about individual player performances as well!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!

In this episode, Cory Connors welcomes Trei Johnson to discuss the future of plastic packaging and the challenges of recycling flexible materials. Trei shares his path from studying sustainability at Cornell to impactful roles at Unilever and Mars Wrigley before joining Accredo Packaging to lead its sustainability strategy. He highlights Accredo's unique story as a family-owned company founded by Vietnamese immigrants and its commitment to operating with 100% wind power and developing recyclable packaging solutions.Key Topics DiscussedTrei's career journey from Cornell to Unilever, Mars Wrigley, and Accredo PackagingHow Accredo was founded and its family-run values that support long-term sustainability“Sustainable Packaging, Sustainably Produced” — what that motto means for AccredoChallenges in plastic recycling and how consumer education plays a key roleProgress in store-drop flexible film recycling and regulatory momentumThe growing consumer demand for compostable and bio-based plasticsCalifornia's stance on compostable materials and how policy impacts brand decisionsIndustry collaboration at events like SPC Boston and the importance of thought leadershipTrei's career advice for young professionals with sustainability degrees — combining broad environmental skills with functional expertise in R&D, marketing, or engineeringThe power of LinkedIn for career growth and building a professional brandResources MentionedAccredo Packaging — Sustainable Packaging, Sustainably ProducedAPI Group (Acredi Packaging's parent organization)7th Generation Recyclable Stand-Up PouchNapa RecyclingSwayCruz FoamContactListeners can connect with Trei Johnson on LinkedIn for insights and industry collaboration opportunities.Closing ThoughtsCory and Trei discuss the promise and complexity of creating more sustainable plastics. They agree that true progress will come from collaboration across the value chain, policy alignment, and consumer engagement. Their conversation underscores that the future of packaging is not about a single solution but a diverse set of innovations driven by shared commitment to a cleaner planet.Thank you for tuning in to Sustainable Packaging with Cory Connors!Chapters00:00Introduction to Sustainable Packaging and Trei Johnson01:12Trey's Journey into Packaging and Sustainability04:41Accredo Packaging: A Unique Story08:35Sustainable Practices at Accredo10:41Challenges and Advancements in Plastic Recycling13:11The Future of Compostable Packaging16:37Advice for Aspiring Sustainability Professionalskeywords sustainable packaging, Trei Johnson, Accredo Packaging, recycling, compostable packaging, sustainability career, environmental impact, packaging industry, sustainability education, plastic wastehttps://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

Full Gospel Center's Pastor Rick Leonardi preaching the message "Raising Godly Children" on 11/30/2025 referencing Proverbs 22:6.

A Plan to Reach the Lost Romans 10:14-21

Reach out to us ittasteslikeburningcast@gmail.com https://ittasteslikeburningcast.printify.me/products buy merch youtube@ItTastesLikeBurning Twitter.com/@ITLBcast https://www.reddit.com/u/ITBLCast/?utm_source=share&utm_medium=ios_app&utm_name=iossmf Or support us on patron patreon.com/ItTastesLikeBurning As always reach out with any questions, concerns, and comments until next time Thanks Jesse and Matt This podcast is hosted by ZenCast.fm

Ask Dubey episode 24 is live! Dubey gave his thoughts on the Oilers road trip, why things aren't going right + what has to change.Then Dubey gave his opinion on, is Knoblauch running out of time to turn things around, are the Oilers not playing their system correct, Stuart Skinners most glaring issue, and a loaded question covering all sorts of goalie styles and drills to improve!Don't forget to comment your questions for Devan Dubnyk to answer next week or use #AskDubey on social media!SHOUTOUT TO OUR SPONSORS!!

If you're in your 20s and feel like you're already behind, this episode is the reset you didn't know you needed. We reveal the biggest mindset shifts and money traps that quietly shape the rest of your financial life and how a few smart moves now can change everything later. It's equal parts motivation and game plan, with a fresh take on building wealth without missing out on life today. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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 fast-paced episode, Brent Bowers breaks down the exact steps to earning $10,000 in 30 days through land flipping — without owning the land and without spending on marketing. Brent shows you how to tap into hot markets, find the right cash buyers, and reach out to landowners in a simple, repeatable system anyone can start today.Whether you're new to land or looking for a low-risk way to stack quick wins, this episode gives you a clear path to your first (or next) deal. For more land opportunities, join The Landsharks Program.---------Show notes:(1:00) Beginning of today's episode(1:24) How to make fat juicy land deals with no marketing (1:30) Find hot zip codes(3:30) Find cash buyers(6:05) Reach out to land owners(7:56) For sale by owners (10:28) The key to doing a deal is to take action----------Resources:North American Migration MapThe Land Sharks List The Land Sharks Program Zillow.comWholesaling Inc - Black FridayTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

On this episode of Michigan Wild's, The Last 7 Days, Nate is recapping his 8th week of the season. It started off fast and found Nate punching his 2nd buck tag of the season. After an eventful Novemeber 15th Nate was looking forward to getting back up North to overlook some of his food plots. It ended up being one of the best decisions of the year!  Thank you for listening to the episode! If you would like to support Michigan Wild farther leave a review/ranking anywhere you listen to the podcast!  Interested in being a guest on Michigan Wild? Send an email to Michiganwildpod@gmail.com or send a message on Instagram @michiganwildpod. In need of a tracking dog? Reach out to Find It Fred, Tony and his dog are top notch and Tony is passionate about helping fellow hunters. Looking to add a food plot or change up your food plot strategy check out vitalizeseed.com and the Habitat Podcast. Check out Wildlife Legends Taxidermy for any of your taxidermy needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

330 – Does God ever tempt us?A lot of people are convinced God sends temptations to see if they are faithful.You'd be surprised how many Christians believe some version of this, that God tempts us or puts tempting things and thoughts in our path.But nothing could be further from the truth.God never tempts you.That's what we're talking about this week on FREEDOM FRIDAY.∞∞∞∞∞∞∞Show notes: Full transcript at thebiblespeakstoyou.com/330Text 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

In this episode I walk you through the exact blueprint that took a local high school with zero competitive volleyball experience to 2 regional championships, 1 city championship and a top 4 finish in the province (equivalent to State championships) in just 3 years. We dive into: The 3 year plan  Culture  Planning  Player Development  What moved the needle the most  Core ideas to elevate programs  And a few more key ideas  Click here to join Digital Volleyball Academy - www.digitalvolleyballacademy.com  Click here to join my workshop - www.volleyballworkshop.com  Reach out via Instagram @BrianSingh_CoachB

Send us a textThe label promised berry jam; our glasses screamed butterscotch. We cracked open Great Lakes Brewing's Cookie Exchange milk stout expecting a sweet, fruity holiday twist and instead found caramel, coffee, and a full-on Werther's vibe. After a pre-show feast and one too many smoothie-style pours at a local favorite, we got honest about why pastry stouts can overwhelm a full palate and when a single dessert beer is the right move. Then we reset with Samuel Smith's Winter Welcome Ale—a classic, lightly skunky European-style ale that trades spice overload for clean malt, easy bitterness, and genuine drinkability.Between sips, we share a Rising River shoutout, a golf simulator discovery, and the pre-snow scramble that always hits the week of Thanksgiving. We talk roofs and gutter guards, small-town nights out, and the way winter rituals shape what you drink: a light, balanced ale for game day, a pastry stout for a slow night, and a fruit-forward option when leftovers lean rich. Our ratings are clear, our jokes are warm, and our gratitude is real—because these seasonal beers aren't just flavors; they're part of the moments we remember.If you're stocking up for the holidays, skip the spice bombs that dry out your tongue. Reach for a classic winter ale you can share across the table, and save the cookie stouts for that single slow pour after dessert. Give it a listen, tell us which winter beer belongs in your fridge, and help others find the show—follow, share with a friend, and drop a quick review. Your notes keep the mics on and the glasses clinking.Support the showwww.anotherreasontodrink.com

Episode 292 Reaching the $5 Trillion Market of Liberty Spenders with Kurt Luidhardt (Part 1) John talks with Kurt Luidhardt — CEO of The Prosper Group (an Inc. 500 fastest-growing company) and founder of Mustard Seed Interactive, expert in Liberty Spenders market segment, author of Liberty Spenders: How to Reach the $5 Trillion Market of High-Value, Conservative or Faith-Based Clients to Grow Your Business, loving husband and father.  Listen to this episode to learn more: [00:00] - Intro [01:11] - A little talk about sports and celebrity news [05:04] - Kurt's bio and backstory [08:23] - How Kurt started in political campaigns and met his wife [09:58] - Starting his marketing business [10:43] - How politics made him see the role of values in business [14:03] - Who are Liberty Spenders? [16:30] - Liberty Spenders book [18:45] - How people now prefer brands that match their values [21:29] - Advice for business people [23:14] - Position your values authentically in your branding and messaging [26:40] - The Five Ps of conviction-driven marketing [27:09] - #1: People – Understand your potential customers [27:25] - #2: Positioning your values in your branding [27:41] - #3: Passionate Story that gets your audience invested [28:11] - #4: Proof – Test your story and strategies [28:48] - #5: Have a proper Product Rollout NOTABLE QUOTES: "Where is real innovation happening? Where is real life-changing, world-changing, spirit-filled work happening? … It is happening among entrepreneurs." "If we just got the right politicians elected, the world would be a better place." "It's so much better to be something to somebody, to have 10,000 raving fans, than to be everything to nobody." "This is happening whether you like it or not. People are researching you when they're choosing a product to buy." "In this market right now, differentiation is such a big challenge. If you invent a product and you put it up on Amazon, you're selling great. It won't be more than 30–60 days before somebody, some business, knocks off your product and they're selling it on the same platform. But when you can connect with people based on their convictions and values, you have such a more powerful connection, and they become customers who are intensely loyal." "Start by understanding the people, not just your potential customers, but who you are." USEFUL RESOURCES: https://www.prospergroupcorp.com/ https://libertyspenders.com/ https://www.kurtluidhardt.com/ https://www.linkedin.com/company/prosper-group-corp/posts/?feedView=all https://www.linkedin.com/in/kurtluidhardt/ https://www.instagram.com/kluidhardt/ https://www.facebook.com/ProsperGroup https://www.facebook.com/libertyspenders https://www.facebook.com/kurtluidhardt https://x.com/theprospergroup https://x.com/kurtluidhardt https://www.youtube.com/@Prospergroupcorp https://www.youtube.com/@luidhardts Liberty Spenders: How to Reach the $5 Trillion Market of High-Value, Conservative or Faith-Based Clients to Grow Your Business (https://a.co/d/bXFYB8C) CONNECT WITH JOHN Website - https://iamjohnhulen.com    LinkedIn - https://www.linkedin.com/in/johnhulen Instagram - https://www.instagram.com/johnhulen    Facebook - https://www.facebook.com/johnhulen    X - https://x.com/johnhulen    YouTube - https://www.youtube.com/channel/UCLX_NchE8lisC4NL2GciIWA    EPISODE CREDITS Intro and Outro music provided by Jeff Scheetz - https://jeffscheetz.com/ 

Feeling like you're doing everything and getting nowhere? We've been there, and we're pulling the brakes on burnout to rebuild your book marketing on a foundation that actually moves books. Because book marketing burnout is real—and if you've been feeling stretched thin by ads, social media, newsletters, and endless promotion tasks, this episode is your reset. In this week's Book Marketing Tips & Author Success Podcast, Penny and Amy break down what sustainable book marketing really looks like and how authors can simplify their efforts while improving results. You'll learn why focusing on long-term assets—like your Amazon retail page, your newsletter, reader relationships, and a clean author website—outperforms chasing every new trend or algorithm shift. We also dig into practical fixes for author burnout: reducing social media overload, tightening your PR strategy, and creating evergreen newsletter templates you can reuse year-round. Whether you're an indie, hybrid, or traditionally published author, this episode delivers smart, sustainable strategies you can maintain—and that actually sell books.The heart of this conversation is sustainable marketing. We walk through the assets you control and that work 24/7: a clean, on-brand website; an optimized Amazon page with compelling description, keywords, and A+ Content; and a subscriber list you nurture with useful, human updates. We highlight local wins you can drive—libraries, bookstores, festivals—and the power of genuine thank-yous to reviewers and influencers. Finally, we share a quarterly audit routine to decide what to cut, what to keep, and which single experiment is worth testing next, so your effort compounds instead of scattering.If you want clarity, fewer moving parts, and a plan you can actually maintain, this one's for you. Subscribe for new episodes every Friday, text podcast to 888-402-8940 to share your questions, and if you found this helpful, leave a quick review to help other authors find us.Send us your feedback!Help shape our 2026 content by taking our 30-second listener poll!

The Intro to AOX Course is coming to Tempe, AZ! Join us for a hands-on deep dive into the clinical and business systems behind predictable full-arch success. Seats are limited - register now to secure your spot. https://products.sharedpractices.com/tfap-intro-to-aox-2026 In this episode of The Full Arch Podcast, Dr. Leke Olowokere sits down with Dr. Tomaz Kaczynski from Warsaw, Poland, to explore how full-arch dentistry has evolved across Europe — and what U.S. clinicians can learn from it. They unpack Tomaz's journey from perio to full arch, why his workflow moved from graft-heavy timelines to immediate solutions, and when FP1 vs FP3 truly makes sense for long-term success. Tomaz also shares how pterygoids transformed his complication rates, the biggest lessons from thousands of arches, and why patient psychology matters just as much as surgical skill. Key Highlights: FP1 vs FP3 Clarity – Why FP1 preserves future options but demands precision, and when FP3 offers a more predictable path. Pterygoids Reduce Failures – How adopting pterygoid anchorage dramatically lowered complications from tilted maxillary implants. Case Selection Is Everything – Lifestyle, health, and patient mindset often matter more than bone. The right "yes" starts with the right "no."

On this episode of Michigan Wild's, The Last 7 Days, Nate is recapping his 8th week of the season. It started off fast and found Nate punching his 2nd buck tag of the season. After an eventful Novemeber 15th Nate was looking forward to getting back up North to overlook some of his food plots. It ended up being one of the best decisions of the year! Thank you for listening to the episode! If you would like to support Michigan Wild farther leave a review/ranking anywhere you listen to the podcast! Interested in being a guest on Michigan Wild? Send an email to Michiganwildpod@gmail.com or send a message on Instagram @michiganwildpod.In need of a tracking dog? Reach out to Find It Fred, Tony and his dog are top notch and Tony is passionate about helping fellow hunters.Looking to add a food plot or change up your food plot strategy check out vitalizeseed.com and the Habitat Podcast.Check out Wildlife Legends Taxidermy for any of your taxidermy needs. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode 2 of the Reel Yappers Podcast starring Audra and DJ! In this episode we break down some of our favorite quotes from impactful movies. Audra breaks down her top 3 movie quotes. We dip and dunk from the favs to just some joints that stand out to us but true to the tile we are definitely some Reel Yappers. DJ gets into his favorite quotes and some of these might be surprising to yall. Reach out to Dj and Audra and let them know what yall fav quotes are.

In this solo episode, Nik dives into the culture of rumors in aviation--how they spread, why we love them, and the toll they can take on your focus and wellbeing. Drawing on his own Navy experience aboard an aircraft carrier (and a hilarious "potato ice cream" story that became ship legend), Nik breaks down how misinformation thrives when uncertainty and contract talk are in the air. 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

In this episode of the Gladden Longevity Podcast, Dr. Jeffrey Gladden interviews Nidhi Pandya, a classically trained Ayurvedic practitioner. They discuss the principles of Ayurveda, its relevance in modern health, and Nidhi's journey from India to the West. Nidhi shares her holistic approach to health, focusing on the concept of 'inner climate' and how it affects well-being. The conversation also delves into the role of herbs in Ayurveda and the importance of understanding one's body for sustainable health.   For Audience        Use code 'Podcast10' to get 10% OFF on any of our supplements at https://gladdenlongevityshop.com/ !    Takeaways         Ayurveda is the science of life, focusing on holistic health.         Health should be viewed as a liberating concept, not just the absence of disease.         Nidhi emphasizes a minimum commitment of four to six months for clients.         The goal of her practice is to educate and empower clients.         Rebooting the system is essential for long-term health.         Bringing people back into balance is key to wellness.         All aspects of life affect overall health and well-being.         Ayurvedic herbs are gaining popularity in the West.         Working with a practitioner is crucial for personalized care.         Ayurveda has extensive literature on longevity and health.   Chapters 00:00 Introduction to Ayurveda and Longevity 04:06 Nidhi's Journey to the West 06:49 Ayurvedic Approach to Health 12:02 Understanding Inner Climate 18:00 The Role of Herbs in Ayurveda 22:22 Connecting with Nidhi and Her Work To learn more about Nidhi Pandya: Instagram: https://www.instagram.com/my_ayurvedic_life Website: Nidhi.me   Got a question for Dr. Gladden? Submit it using the link below and it might be answered in our next Q&A episode! https://form.typeform.com/to/tIyzUai7? Reach out to us at:    Website: https://gladdenlongevity.com/     Facebook: https://www.facebook.com/Gladdenlongevity/    Instagram: https://www.instagram.com/gladdenlongevity/?hl=en     LinkedIn: https://www.linkedin.com/company/gladdenlongevity    YouTube: https://www.youtube.com/channel/UC5_q8nexY4K5ilgFnKm7naw   Gladden Longevity Podcast Disclosures Production & Independence The Gladden Longevity Podcast and Age Hackers are produced by Gladden Longevity Podcast, which operates independently from Dr. Jeffrey Gladden's clinical practice and research at Gladden Longevity in Irving, Texas. Dr. Gladden may serve as a founder, advisor, or investor in select health, wellness, or longevity-related ventures. These may occasionally be referenced in podcast discussions when relevant to educational topics. Any such mentions are for informational purposes only and do not constitute endorsements. Medical Disclaimer The Gladden Longevity Podcast is intended for educational and informational purposes only. It does not constitute the practice of medicine, nursing, or other professional healthcare services — including the giving of medical advice — and no doctor–patient relationship is formed through this podcast or its associated content. The information shared on this podcast, including opinions, research discussions, and referenced materials, is not intended to replace or serve as a substitute for professional medical advice, diagnosis, or treatment. Listeners should not disregard or delay seeking medical advice for any condition they may have. Always seek the guidance of a qualified healthcare professional regarding any questions or concerns about your health, medical conditions, or treatment options. Use of information from this podcast and any linked materials is at the listener's own risk. Podcast Guest Disclosures Guests on the Gladden Longevity Podcast may hold financial interests, advisory roles, or ownership stakes in companies, products, or services discussed during their appearance. The views expressed by guests are their own and do not necessarily reflect the opinions or positions of Gladden Longevity, Dr. Jeffrey Gladden, or the production team. Sponsorships & Affiliate Disclosures To support the creation of high-quality educational content, the Gladden Longevity Podcast may include paid sponsorships or affiliate partnerships. Any such partnerships will be clearly identified during episodes or noted in the accompanying show notes. We may receive compensation through affiliate links or sponsorship agreements when products or services are mentioned on the show. However, these partnerships do not influence the opinions, recommendations, or clinical integrity of the information presented. Additional Note on Content Integrity All content is carefully curated to align with our mission of promoting science-based, ethical, and responsible approaches to health, wellness, and longevity. We strive to maintain the highest standards of transparency and educational value in all our communications.

WOWW!! The Celtics snap the Pistons 13 game win streak in a 117-114 thriller!! This game was back and forth the entire way and ended with a huge clutch time win with huge performances from White, JB and Baylor. Derrick White had a lackluster first half scoring just 2pts on 0-3 from the field but erupted for 25pts in the second half including 11 pts in the final 4:30. JB had a 33pt double double and Baylor played a really good game on both sides of the ball.This was a huge test for the C's. The Pistons are a big team that rebounds really well and we came into the game without Queta and had a bad Luka Garza game and still came away with the win despite the Pistons grabbing 21 offensive rebounds. A great 3pt shooting night and timely baskets put the Celtics forward and you love to see it especially against a team like Detroit! Check out the full pod to hear all the details!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!

You've been told you have to earn your rest.That you can rest when things slow down, when everything's done, when you've finally “earned it.”In this episode of The Obedient Rebel Podcast, we expose one of the most common silent rules high achievers obey without realizing it:“I must earn my right to rest.”We'll walk through:How this rule shows up as “I'll rest when things slow down” (and why they never do) Why you feel guilty, anxious, or “behind” any time you try to slow down How God actually designed rest into creation through Sabbath, sacred pauses, and nature's own rhythms Why rest isn't the absence of work—it's the presence of God A simple Obedient Rebel practice to start breaking this rule gently, starting today If you've ever felt irresponsible for slowing down, this episode will feel like someone finally turned the light on.

We wanted to reach out in a time of seasonal change. Sending love from the CR family! -- Our links: https://linktr.ee/communityroutes Please rate us on iTunes and Spotify! We need all the help we can get to spread the word about mental health. Reach out and start a conversation with us! We would love to hear from you on Facebook or Instagram or you can email us at communityroutes.pod@gmail.com Special Thanks to Julie Richards for hosting, Steve Dodge for the theme song, and Alexander Wells for the logo. Can't get enough? Support the show through our Patreon.

In this Sports Geek Throwback episode, Sean Callanan interviews Stephanie Beltrame. They discussed balancing reach and revenue in media rights for Cricket Australia. Show notes - https://sportsgeekhq.com/balancing-reach-and-revenue-in-media-rights-stephanie-beltrame

We get an update from a Minneapolis educator about how they won a new contract after a credible strike threat. We also talk to Dave Kamper about his new book - Who's Got the Power?✦ ABOUT ✦The Valley Labor Report is the only union talk radio show in Alabama, elevating struggles for justice and fairness on the job, educating folks about how they can do the same, and bringing relevant news to workers in Alabama and beyond.Our single largest source of revenue *is our listeners* so your support really matters and helps us stay on the air!Make a one time donation or become a monthly donor on our website or patreon:TVLR.FMPatreon.com/thevalleylaborreportVisit our official website for more info on the show, membership, our sponsors, merch, and more: https://www.tvlr.fmFollow TVLR on Facebook: https://www.facebook.com/TheValleyLab...Follow TVLR on Twitter: @LaborReportersFollow Jacob on Twitter: @JacobM_ALFollow TVLR Co-Creator David Story on Twitter: @RadiclUnionist✦ CONTACT US ✦Our phone number is 844-899-TVLR (8857), call or text us live on air, or leave us a voicemail and we might play it during the show!✦ OUR ADVERTISERS KEEP US ON THE AIR! ✦Support them if you can.The attorneys at MAPLES, TUCKER, AND JACOB fight for working people. Let them represent you in your workplace injury claim. Mtandj.com; (855) 617-9333The MACHINISTS UNION represents workers in several industries including healthcare, the defense industry, woodworking, and more. iamaw44.org (256) 286-3704 / organize@iamaw44.orgDo you need good union laborers on your construction site, or do you want a union construction job? Reach out to the IRONWORKERS LOCAL 477. Ironworkers477.org  256-383-3334 (Jeb Miles) / local477@bellsouth.netThe NORTH ALABAMA DSA is looking for folks to work for a better North Alabama, fighting for liberty and justice for all. Contact / Join: DSANorthAlabama@gmail.comIBEW LOCAL 136 is a group of over 900 electricians and electrical workers providing our area with the finest workforce in the construction industry. You belong here. ibew136.org Contact: (205) 833-0909IFPTE - We are engineers, scientists, nonprofit employees, technicians, lawyers, and many other professions who have joined together to have a greater voice in our careers. With over 80,000 members spread across the U.S. and Canada, we invite you and your colleagues to consider the benefits of engaging in collective bargaining. IFPTE.org Contact: (202) 239-4880THE HUNTSVILLE INDUSTRIAL WORKERS OF THE WORLD is a union open to any and all working people. Call or email them today to begin organizing your workplace - wherever it is. On the Web: https://hsviww.org/ Contact: (256) 651-6707 / organize@hsviww.orgENERGY ALABAMA is accelerating Alabama's transition to sustainable energy. We are a nonprofit membership-based organization that has advocated for clean energy in Alabama since 2014. Our work is based on three pillars: education, advocacy, and technical assistance. Energy Alabama on the Web: https://alcse.org/ Contact: (256) 812-1431 / dtait@energyalabama.orgThe Retail, Wholesale and Department Store Union represents in a wide range of industries, including but not limited to retail, grocery stores, poultry processing, dairy processing, cereal processing, soda bottlers, bakeries, health care, hotels, manufacturing, public sector workers like crossing guards, sanitation, and highway workers, warehouses, building services,  and distribution. Learn more at RWDSU.infoThe American Federation of Government Employees (AFGE) is the largest federal employee union proudly representing 700,000 federal and D.C. government workers nationwide and overseas. Learn more at AFGE.orgAre you looking for a better future, a career that can have you set for life, and to be a part of something that's bigger than yourself?   Consider a skilled trades apprenticeship with the International Union of Painters and Allied Trades. Learn more at IUPAT.orgUnionly is a union-focused company created specifically to support organized labor. We believe that providing online payments should be simple, safe, and secure.  Visit https://unionly.io/ to learn more.Hometown Action envisions inclusive, revitalized, and sustainable communities built through multiracial working class organizing and leadership development at the local and state level to create opportunities for all people to thrive. Learn more at hometownaction.orgMembers of IBEW have some of the best wages and benefits in North Alabama. Find out more and join their team at ibew558.org ★ Support this podcast on Patreon ★

This week we're lollygagging around a MLB/NFL rapid fire, a NFL player draft for Thanksgiving backyard football, which mascots would have survived the Mayflower journey , and more! Do you have any questions or comments about Lollygagging Sports? Reach out to us on Bluesky: Bo Reed (@boreed009.bsky.social), Samantha Bunten (@samanthabunten.bsky.social‬), Lollygagging Sports (@lollygaggingpod.bsky.social). And on Twitter/X: Samantha Bunten (@samanthabunten), Matthew Irby (@IrbyStatMan), Lollygagging Sports (@LollygaggingPod).

First Take resumes with Kimberly Martin discussing Jerry Jones preseason and trade deadline moves. Did they pay off? WWE icon Paul Heyman joins to preview the Survivor Series: WarGames matches, happening Saturday at 7PM ET on the ESPN app. Mad Dog is MAD about the Colts OT decision, the Thanksgiving football slate???, and Stephen A skipping work. Coming off his first NFL win, Shedeur Sanders is expected to start again against the 49ers. What are your expectations for him? Learn more about your ad choices. Visit podcastchoices.com/adchoices

We've got new data that shows Gen X and Gen Z might be more similar than you think, especially when it comes to their financial fears. 54% of teens fall into this category and 52% of Gen Xers are seeing it become a reality. We'll walk you through how you can avoid it - then answer your financial questions! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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

Michael Malice (“YOUR WELCOME”) invites former MMA fighter, boxer, and Olympic wrestler, Ben Askren, back onto the show to share his emotional story about being nearly dying earlier this year, living life after a double lung transplant, and the friends and family who held his hand through his journey back to the land of the living. https://x.com/Benaskrenhttps://www.instagram.com/benaskrenhttps://www.youtube.com/@AskrenWrestlingAcademyHartlandOrder NOT SICK OF WINNING: http://notsickofwinning.comOrder THE WHITE PILL: http://whitepillbook.com/Order THE ANARCHIST HANDBOOK: https://www.amzn.com/B095DVF8FJOrder THE NEW RIGHT: https://amzn.to/2IFFCCuOrder DEAR READER: https://t.co/vZfTVkK6qf?amp=1https://twitter.com/michaelmalicehttps://instagram.com/michaelmalicehttps://malice.locals.comhttps://youtube.com/michaelmaliceofficialIntro song: "Out of Reach" by Legendary House Cats https://thelegendaryhousecats.bandcamp.com/The newest episode of "YOUR WELCOME" releases on iTunes and YouTube every Wednesday! Please subscribe and leave a review.This week's sponsors: CovePure – Clean, Purified, Un-Tainted Drinking Water: https://www.CovePure.com/Malice (Holiday discount! $250 off!)PlutoTV – Streaming TV: https://www.Pluto.tv (Free) Ridge Wallets – Unique, Slim, Modern Wallets: https://www.Ridge.com (Black Friday Sale! Up to 47% off!)SimpliSafe – Stop Crime Before It Starts: https://www.SimpliSafe.com/Malice (Black Friday Sales! 60% off any new system)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As you get ready to celebrate Thanksgiving, join Jim and Greg for the Wednesday 3 Martini Lunch. They each reveal three things or people they are politically thankful for in 2025.First, Jim applauds a reporter who broke the most significant political scoop of the year. And while it didn't change the outcome of the election, it does give Virginians clear eyes on what to expect over the next four years. Meanwhile, Greg applauds the Trump administration for getting it's most important policy priority done right - and almost instantly after taking office. Next, Jim has some fun and says he's thankful that he's not on the hook for designing secure facilities In Iran that turned out not to be so secure this year. Jim also utters a line likely to shock President Trump's staunchest supporters and his fiercest critics. Greg focuses on the homefront and is glad there is a backstop of sanity to deal with the blizzard of ridiculous rulings from federal judges playing politics from the bench.Finally, Jim is thankful for the establishment of honorable journalistic principles in a news cycle where reporters like Olivia Nuzzi are taking a blowtorch to any notion of ethical reporting. And Greg thanks outgoing Virginia Gov. Glenn Youngkin for four years of sanity as we buckle up for four years of dumpster fires from the Democrats.Please visit our great sponsors:Reach out. Whether you're checking in on a friend or reaching out to a therapist. Get 10% off your firstmonth of BetterHelp by visiting https://BetterHelp.com/3ML today!Save big on unforgettable gifts with Omaha Steaks. Visit https://www.OmahaSteaks.com for 50% offsitewide with an extra 20% off select favorites during their Cyber Sale. For an extra $35 off, usepromo code 3ML at checkout.

Austin shares his thoughts on who you should be reaching out to during your job search!Time Stamped Show Notes:[0:30] - Who you network with matters[1:41] - Who to target in your network search[3:19] - The hiring team & your future coworkersWant To Level Up Your Job Search?Click here to learn more about 1:1 career coaching to help you land your dream job without applying online.Check out Austin's courses and, as a thank you for listening to the show, use the code PODCAST to get 5% off any digital course:The Interview Preparation System - Austin's proven, all-in-one process for turning your next job interview into a job offer.Value Validation Project Starter Kit - Everything you need to create a job-winning VVP that will blow hiring managers away and set you apart from the competition.No Experience, No Problem - Austin's proven framework for building the skills and experience you need to break into a new industry (even if you have *zero* experience right now).Try Austin's Job Search ToolsResyBuild.io - Build a beautiful, job-winning resume in minutes.ResyMatch.io - Score your resume vs. your target job description and get feedback.ResyBullet.io - Learn how to write attention grabbing resume bullets.Mailscoop.io - Find anyone's professional email in seconds.Connect with Austin for daily job search content:Cultivated CultureLinkedInTwitterThanks for listening!

A look at the facts provided in the NTSB preliminary accident report on the November 4, 2025, crash of a UPS MD-11F in Louisville, Kentucky. John Goglia, Todd Curtis and Greg Feith share their insider perspectives as they examine the details of this fatal plane crash.Many online commentators have speculated on the cause of the crash and other details of the accident, only to be proven wrong by the facts provided by the NTSB. The accident has similar circumstances to the 1979 crash of an American Airlines DC-10 in Chicago. What is very different is the prevalence of recoding devices as well as the tools available to citizen journalists and professional media alike. Major accidents have always attracted media attention, but John's experiences lead him to conclude that the quality of the reporters from that era was better than reporters from today's large media outlets. Video evidence is now often immediately available after an event, which helps investigators in the early phases of an investigation. Greg shares the process he used to make requests for photos and videos during investigations while at the NTSB. Greg and Todd review the preliminary report in detail. They point out that video evidence shows the aircraft began to have catastrophic problems at takeoff, limiting options available to the crew. They detail how the accident unfolded based on information in the preliminary report and witness video evidence.The preliminary report includes a lot of information about the strut that attaches to the engine. Cracks in the engine mount are a focus of the continuing investigation.The FAA has issued two emergency Airworthiness Directives that grounded all DC-10s and MD-11s in the U.S. Greg ends the show discussing the various options the operators have for repairing, inspecting, replacing parts or, if the required changes are significant, replacing the aircraft. Don't miss what's to come from the Flight Safety Detectives - subscribe to the Flight Safety Detectives YouTube channel, listen at your favorite podcast service and visit the Flight Safety Detectives website. Want to go deeper with the Flight Safety Detectives? Join our YouTube Membership program for exclusive perks like members-only live streams and Q&As and early access to episodes. Your membership support directly helps John, Greg and Todd to deliver expert insights into aviation safety.Interested in partnering with us? Sponsorship opportunities are available—brand mentions, episode integrations, and dedicated segments are just a few of the options. Flight Safety Detectives offers a direct connection with an engaged audience passionate about aviation and safety. Reach out to fsdsponsors@gmail.com. Music: “Inspirational Sports” license ASLC-22B89B29-052322DDB8 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Breaking news! The FAA has made significant changes to the policy on reporting Unidentified Anomalous Phenomena (UAP). UAP reports generated by air traffic controllers will use the acronym UAP instead of UFO, and controllers are required to provide specific information about the UAP in their reports.Also in this episode, Todd Curtis and John Goglia discuss two 2025 fatal accidents in which pilot medical conditions may have been an issue. Todd and John discuss how aging brings issues that are a challenge for older pilots. The NTSB preliminary reports of the accidents under scrutiny do not include information on the age of the pilots. However, news media stories about the two crashes revealed that both pilots were in their 80s. Both pilots had BasicMed certifications.A BasicMed certificate must be renewed every four years and can be approved by any licensed physician. Class III and other medical certificates must be approved by an FAA-certified Aviation Medical Examiner (AME).While neither of the two NTSB preliminary reports mention a medical condition playing a role in either accident, the BasicMed process may expose older pilots to risks. John suggests that BasicMed should have restrictions, including not allowing older pilots with a BasicMed certificate to carry passengers.  Don't miss what's to come from the Flight Safety Detectives - subscribe to the Flight Safety Detectives YouTube channel, listen at your favorite podcast service and visit the Flight Safety Detectives website. Want to go deeper with the Flight Safety Detectives? Join our YouTube Membership program for exclusive perks like members-only live streams and Q&As and early access to episodes. Your membership support directly helps John, Greg and Todd to deliver expert insights into aviation safety.Interested in partnering with us? Sponsorship opportunities are available—brand mentions, episode integrations, and dedicated segments are just a few of the options. Flight Safety Detectives offers a direct connection with an engaged audience passionate about aviation and safety. Reach out to fsdsponsors@gmail.com. Music: “Inspirational Sports” license ASLC-22B89B29-052322DDB8 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The perception of aviation safety risk is much higher than the actual data. Safety data expert Mike Borfitz helps John Goglia and Todd Curtis look at how misleading data is used to support misleading theories about the Air India 787 and other high-profile aviation disasters.John and Mike highlight issues with reporting and documents related to the Air India accident. Learn the inside story on why some official-looking reports are inaccurate. Todd and Mike and both former Boeing engineers who used aviation data to analyze risk and support the manufacturing process. They discuss how Boeing and Airbus use data today to improve design and operations. They also examine the roles that manufacturers and the FAA play in certifying airplanes. The FAA relies on manufacturers and airlines to determine if an aircraft meets certification and airworthiness requirements.Tune in for updates on the commercial space industry and the future of the advanced air mobility side of aviation. Don't miss what's to come from the Flight Safety Detectives - subscribe to the Flight Safety Detectives YouTube channel, listen at your favorite podcast service and visit the Flight Safety Detectives website. Want to go deeper with the Flight Safety Detectives? Join our YouTube Membership program for exclusive perks like members-only live streams and Q&As and early access to episodes. Your membership support directly helps John, Greg and Todd to deliver expert insights into aviation safety.Interested in partnering with us? Sponsorship opportunities are available—brand mentions, episode integrations, and dedicated segments are just a few of the options. Flight Safety Detectives offers a direct connection with an engaged audience passionate about aviation and safety. Reach out to fsdsponsors@gmail.com. Music: “Inspirational Sports” license ASLC-22B89B29-052322DDB8 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.