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Violence has erupted across Mexico after authorities took out a major cartel leader, and many Americans—including Washingtonians—are caught in the crossfire. Gavin Newsom tried to pander to black people by calling them dumb. Guest: Brian Heywood with Let’s Go Washington on the opposition to the income tax. // Big Local: Auburn residents are attempting a recall effort against Mayor Nancy Backus. Activists in Everett want Mayor Cassie Franklin to do more to thwart ICE. Microsoft has begun its return-to-office mandate. // You Pick the Topic: NYC Mayor Zohran Mamdani is taking heat for requiring 5 forms of ID in order to shovel snow, but opposing voter ID laws.
Mike Herzing and Jeremy Birenbaum break down this week's biggest automotive headlines: a massive Ram/Jeep recall affecting trailer brake control modules, the EPA's shift on start‑stop credits, Toyota moving the Highlander to all‑electric, Ford's Bronco donations to search and rescue teams, and a review of the 2026 Honda CR‑V Hybrid TrailSport. The episode also covers classic car talk, tips on spotting flood or salvage vehicles, and an interview with Ford's Bronco marketing manager about the Answer the Call donation program.
Today we rejoin Jim Matlock to talk about an intriguing hypothesis Jim has discovered about NDE's and their connection to past life memory recall. Join me to discuss this fascinating topic and also to gain a glimpse at what unfolding research looks like.
Get AudioBooks for FreeBest Self-improvement MotivationRecall Information Fast with 10 Sparked SparketypesDiscover rapid recall and learning strategies on Kwik Brain with Jim Kwik. Learn how the 10 Sparketypes by Jonathan Fields enhance memory and performance.Get AudioBooks for FreeWe Need Your Love & Support ❤️https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Dr. Don and Professor Ben talk about the risks from food from a distribution center with a class II recall Dr. Don - not risky
Get AudioBooks for FreeBest Self-improvement MotivationTake Notes for Rapid Recall with Kwik Brain Pro TipsLearn powerful note-taking strategies from Jim Kwik to boost memory, retention, and learning speed. Discover simple systems for instant recall and productivity.Get AudioBooks for FreeWe Need Your Love & Support ❤️https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
We remember Jesse Jackson for carrying the tourch for the multi-racial working class long after the hopes of the Civil Rights Era faded, his prophetic oratory which still speaks to us today, and his special connection to Wisconsin. We highlight the victory for health care access for mothers, children, and women with a higher risk of breast cancer, Boss Vos finally relents to significant pressure from the public and other Republicans and allows a vote on postpartum Medicaid and cost-free breast cancer screening bills. We welcome Peter Rickman, president of the MASH union to discuss the new $20 Wage bill that will be introduced next week, Tuesday, at 11AM, at the State Capitol, Senate Parlor. Robert educates us on an important lawsuit against Trump's climate-denying EPA by health and climate groups over the dangerous repeal of rule supporting climate protections. We discuss an important public hearing held this week for four Data Center bills. Citizen Action members joined dozens of community leaders and data center activists who want a pause on new construction and sensible public accountability for future data centers.
Nationwide Emissions Recall Affecting Hundreds of Thousands of Ram Truck Owners Diesel pickup owners across the U.S. may be sitting on $500—or even $1,000—just for completing a free emissions recall many haven't acted on yet. Starting February 17, Cummins is launching a new customer incentive tied to Emissions Recall 67A, affecting 2013–2018 Ram 2500 and 3500 trucks powered by the Cummins 6.7L Turbo Diesel engine. To help truck owners understand what's required, what they get, and why timing matters, Ike Dougherty—who leads Cummins' pickup-truck engine business—ivisits with mark Alyn.Become a supporter of this podcast: https://www.spreaker.com/podcast/late-night-health-radio--2804369/support.
Jann Arden welcomes Canadian politician Chrystia Freeland to the show. The discussion covers Freeland's motivations for entering politics and running for Prime Minister, her experiences negotiating with Donald Trump, the challenges of public service, and the importance of pushing issues such as housing and food insecurity to the forefront. Prompted by Caitlin, Freeland gives us a 'pep talk,' emphasizing the need for Canadians to recognize their strengths and the importance of collaboration in leadership. They also touch on defense spending, the role of women in politics and the importance of self-care amidst the pressures of public life. More About Chrystia Freeland: Chrystia was first elected as the Member of Parliament for Toronto Centre in 2013. She was elected as Member of Parliament for University—Rosedale in 2015 and re-elected in 2019 and 2021. From 2015 to 2017, Chrystia served as Minister of International Trade, overseeing the successful negotiation of free trade with the European Union. From January, 2017, to November, 2019, she served as Minister of Foreign Affairs, leading the successful renegotiation of the North American Free Trade Agreement (NAFTA). In November, 2019, Chrystia was appointed Deputy Prime Minister and Minister of Intergovernmental Affairs, where she helped lead Canada's united response to the COVID-19 pandemic. She was appointed Minister of Finance in August, 2020 becoming the first woman in Canadian history to hold the position. An esteemed journalist and author, Chrystia was born in Peace River, Alberta. She was educated at Harvard University before continuing her studies on a Rhodes Scholarship at the University of Oxford. Leave us a voicenote! https://jannardenpod.com/voicemail/ Get access to bonus content and more on Patreon: https://patreon.com/JannArdenPod Connect with us: www.jannardenpod.com www.instagram.com/jannardenpod www.facebook.com/jannardenpod Learn more about your ad choices. Visit megaphone.fm/adchoices
Send a textRecalls are where community politics get real. When a board receives a Recall Petition, emotions run high and so do the legal stakes. In this week's episode of Take It To The Board, host Donna DiMaggio Berger sits down with Becker shareholder Jonathan J. Ellis, Florida Bar board-certified in condominium and planned development law, to demystify what drives recalls, how they actually work and how to steer a community through the process with as little pain as possible.Donna and Jonathan break down the two Florida recall paths—membership meeting vs. written ballot and why the Florida Department of Business and Professional Regulation's (DBPR) forms and “facial validity” standard matter so much. You'll hear the critical do's and don'ts as they also cover the required five-day Board meeting to certify, what counts as a valid rejection of the recall effort, common traps like DocuSign signatures, and why the Division rarely polices the “story” behind a signature unless fraud is obvious. Beyond the mechanics, they focus on strategy. Managers should stay neutral; boards must communicate early and accurately, with data that explains why tough choices—reserve funding, special assessments, construction projects and life-safety repairs—can't wait. Donna and Jonathan weigh when to fight, when to pivot, and when to accept a valid recall with grace. You'll learn about timing windows around elections, why recalls are harder to win than elections, and how to navigate developer-appointed seats and layered voting interests. They round it out with practical transition tips for new boards: bank resolutions, records turnover, and avoiding long-term contracts that handcuff future boards. If you're an owner building a recall effort, a director sensing one, or a manager trying to stay above the fray, this conversation gives you a clear, candid roadmap. Conversation Highlights:Why recalls happen in community associations, from governance breakdowns and personality conflicts to policy disputes and allegations of misconduct.When pursuing a recall makes sense versus waiting for the next election cycle.A clear walkthrough of how the Florida condominium recall process works and what to expect at each stage.The pros and cons of voting on a recall at a meeting versus using a written agreement.How boards and managers should communicate during a recall effort while avoiding defamation or retaliation risks.What boards can and cannot do when responding to a recall and how authority is handled if a dispute arises.How to evaluate whether to certify or challenge a recall based on defects, evidence, and regulatory scrutiny.Common mistakes owners and boards make that can invalidate a recall or make one more likely.Practical steps to maintain continuity of operations and keep the community running during leadership transitions.Governance reforms and best practices that can help rebuild trust and prevent future recalls.Related Links:Article: Florida bill would let homeowners recall community development district boardsOnline Class: Board Certification: Condo/Co-Op 4-HourOnline Class: Board Certification: HOA 4-Hour
Nationwide Emissions Recall Affecting Hundreds of Thousands of Ram Truck Owners Diesel pickup owners across the U.S. may be sitting on $500—or even $1,000—just for completing a free emissions recall many haven't acted on yet. Starting February 17, Cummins is launching a new customer incentive tied to Emissions Recall 67A, affecting 2013–2018 Ram 2500 and 3500 trucks powered by the Cummins 6.7L Turbo Diesel engine. To help truck owners understand what's required, what they get, and why timing matters, Ike Dougherty—who leads Cummins' pickup-truck engine business—ivisits with mark Alyn.Become a supporter of this podcast: https://www.spreaker.com/podcast/late-night-health-radio--2804369/support.
A paradox defined 2025: recall events dipped, but total units recalled soared. We dig into why severity spiked, rising labor costs, tariffs, supplier churn, and a two-speed regulatory landscape, and what that means for your insurance program. With CRC Casualty Brokers John O'Malley and Chris Martin, we connect market signals to real exposures, from food's massive unit surge and undeclared allergens to ingredient supplier liabilities that turn a one-dollar input into a six-dollar downstream loss.For retail agents planning ahead to 2026, we lay out a focused playbook with a simple goal: cut detection time, contain unit counts, and ensure your policy responds when the stakes jump from a nuisance to a balance-sheet event. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!
AP correspondent Ed Donahue reports on testimony from students in a trial related to the 2024 attack at Apalachee High School.
Gaming hosts Josh, Ryan and Ace are putting their memories to the test in this nostalgia-fueled episode of the Video Gamers Podcast. Instead of replaying old favorites, they're diving headfirst into gaming history and attempting to rate recent titles purely from memory. How accurate are their takes? Has time made these video games better than they actually were, or is nostalgia clouding their judgment? From unforgettable boss fights to mechanics they swear were revolutionary, the guys debate what still holds up in today's gaming landscape and what might deserve a lower score on a modern scale. It's a fun, chaotic look at how we remember video games versus how they might actually play today. If you love bold opinions, questionable recall, and passionate arguments about gaming, this is one episode you won't want to miss! Thanks to our MYTHIC Supporters: Redletter, Disratory, Ol' Jake, Gaius, Jigglepuf, Phelps and NorwegianGreaser, and Dettmarp Thanks to our Legendary Supporters: HypnoticPyro, PeopleWonder, Bobby S. Connect with the show: Support us on Patreon: patreon.com/videogamerspod Join our Gaming Community: https://discord.gg/h2cHKAvSmu Follow us on Instagram: https://www.instagram.com/videogamerspod/ Follow us on X: https://twitter.com/VideoGamersPod Subscribe to us on YouTube: https://www.youtube.com/@VideoGamersPod?sub_confirmation=1 Visit us on the web:https://videogamerspod.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The RV industry saw major developments this week — including a shocking leadership change at Tiffin Motorhomes, new RV manufacturer acquisitions, widespread truck and chassis recalls, and growing confusion about national park access.In this week's RV Podcast News Edition, Mike breaks down what these stories mean for RV owners, buyers, and travelers heading into the 2026 camping season.???? This Week's RV News:???? Leigh Tiffin resigns from Tiffin Motorhomes — what it means for the brand???? Alliance RV acquires Midwest Automotive Designs⚠️ Major recalls affecting tow vehicles and motorhome chassis????️ National park confusion, access issues, and policy changes???? Leadership changes impacting the future of America's national parksIf you own an RV, plan to buy one, or are preparing for spring travel, these updates could affect your next trip.Live Workshop — Get Your RV Ready for Camping SeasonJoin Mike live for a hands-on session covering systems checks, maintenance, and spring prep.???? Details: RVPodcast.com/workshop
Alberta is the land of recall petitions right now!But with most of the focus on whether or not recalls are successful, there's a lot that's being overlooked in the conversation. We sat down with three recall organizers to hear from them as to what made them decide to initiate recall petitions, what the experience has been like and perhaps most importantly, when the recalls are done is this the end of their activism or just the beginning? If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!
Hosts Mike Herzing and Jeremy Birenbaum cover the week's top automotive stories: a big Toyota recall, a recall of BMW starters catching on fire, and the passing of camshaft legend Ed "Isky" Iskandarian. They speak with GM's Mitch Pettersen about winter driving safety and preparedness, review the Toyota Prius Nightshade plug-in hybrid, and answer listener classic-car questions. The episode also discusses engine oil recommendations and maintenance tips for longevity. #GM #BMW #OnStar #ToyotaPrius #toyotarecall
Should you trust your own memory? Welcome back to the Information Entropy Podcast, this week we are returnign to memory to understand how recall actually works, why amnesic patients can still learn, how trauma reshapes childhood memory, and what ADHD and autism reveal about how differently brains store the past.
Holy Bondi! Following a recap of Attorney General Pam Bondi's surreal Congressional hearing, we dive into this week in the Trump Regime, including: ICE agents are flowing into Western Wisconsin; Trump immigration officials testify before the U.S. Senate with a potential DHS shutdown looming; And, U.S. House approves Brian Steils' “show your papers” voter suppression bill to cause chaos in the 2026 Elections. New research finds climate change is making the Great Lakes' winters shorter, but future tracking will be harder as the Trump regime scrubs climate change data. We discuss packed PSC hearings where the vast majority of attendees asked them to reject a special electricity deal devised by We Energies for Data Centers. But will the PSC listen to the people? We also talk about a new Legislative Republican bill that would slow the revolving door between the PSC and big utilities. We close with a discussion of the negotiations between Governor Evers and Legislative Republican leaders on the $2.5 billion surplus.
News and Updates: Firefox adds a "kill switch" on February 24th to disable all AI features. This "AI control" menu offers granular settings for chatbots, translations, and summaries. Microsoft is reevaluating Windows 11 AI after user backlash. Underutilized features like Copilot in Paint/Notepad may be cut, while the "Recall" feature faces repositioning. xAI loosened Grok's guardrails to boost engagement, causing a surge in sexualized content. Regulators are investigating reports of nonconsensual imagery and lack of safety staff. French authorities raided X's Paris office and summoned Elon Musk. The probe investigates Grok's deepfakes, child safety violations, and alleged algorithmic bias in content delivery. SpaceX acquired xAI in a share-exchange deal, valuing the combined entity at $1.25 trillion. Musk plans to build orbital AI data centers powered by solar.
Recall by the manufacture is a manufacture standing by its product. Principles, illumination, revelations, entendre, simile, metaphor, nuances, numerology, types and foreshadow.
In this episode of RV Miles, Chrysler's recall of over 450,000 Jeep and Ram vehicles due to a trailer tow module defect affecting trailer lights and brakes, and BC Parks' announcement of a new $20 non-resident fee starting May 2026. Tiffin Motor Homes plans to centralize motorhome production in Alabama. The company running Eddie Bauer stores has filed for Chapter 11 bankruptcy. Fuel prices are slightly up. North Dakota is expanding campgrounds at two state parks. Love's Travel Stops plans major renovations and expansions with RV-specific improvements. Find Liquified at https://liquifiedrv.com Get your first month of Mile Marker Membership FREE at https://rvmiles.memberful.com/checkout?plan=96363 with code RVMILES. ****************************** Connect with RV Miles: RV Miles Facebook Group: https://www.facebook.com/groups/rvmiles Shop the RV Miles Amazon Store: https://www.amazon.com/shop/rvmiles RV Miles Mailing List: https://rvmiles.com/mailinglist Mile Marker Membership: https://rvmiles.com/milemarkers 00:00 Introduction 00:07 Chrysler Recall Alert 01:10 BC Parks Fee Increase 02:05 Tiffin Motor Homes Manufacturing Shift 03:06 RV Miles Sponsor Highlight 03:35 Cruise America Fleet Refresh 04:22 Eddie Bauer Bankruptcy 05:28 Fuel Price Update 06:08 North Dakota Campground Expansions 06:53 Love's Travel Stops Expansion 08:00 Conclusion and Farewell
Get AudioBooks for FreeBest Self-improvement MotivationKwik Brain Episode 8 | Fast & Fun Recall TechniquesDiscover a fast and fun way to recall information using proven Kwik Brain techniques. Boost memory, learning speed, and mental performance effortlessly.Get AudioBooks for FreeWe Need Your Love & Support ❤️https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Jann Arden welcomes back friend of the podcast, Lori Dyan, also known as Tarot Lori. Lori discusses her book 'Big Deck Energy' and the transformative power of tarot. She emphasizes the importance of personal interpretation in tarot readings, and how tarot can serve as a tool for self-discovery and manifestation. The discussion also touches on the significance of choosing the right deck, and the resurgence of interest in tarot as a means of finding community and clarity in a chaotic world. Jann, Caitlin, Sarah and Lori also discuss the interconnection of spirituality and sexuality, the lessons of the star card in destiny and free will, and the challenges of letting go while supporting others. Find more from Lori Dyan: https://www.tarotlori.com/ https://www.instagram.com/tarot.lori Known as Tarot Lori for over thirty years, Lori Dyan has an international clientele that ranges from celebrities to stay-at-home moms, as well as a dedicated Instagram following. She was mentored by a crystal-ball-gazing witch, and her tagline, “Woo Woo Without the Cuckoo,” reflects her modern and accessible style of tarot. She is also a popular media guest, keynote speaker, and event entertainer. Lori is a member of the Peguis First Nation, and her lineage is woven throughout her work—it is the source of her magic. Her bestselling first book, Burn Your Sh*t, teaches the transformative power of rituals. Big Deck Energy is the ultimate guide to unlock your intuition, discover what's possible, and create the life of your dreams using tarot. A unique hybrid of tarot how-to and spiritual self-help, Big Deck Energy is for tarot newbies, seasoned pros, or anyone who is trying to figure out life. https://www.harpercollins.ca/9781443471589/big-deck-energy/ https://www.tarotlori.com/books #ASKJANN - want some life advice from Jann? Send in a story with a DM or on our website. Leave us a voicenote! www.jannardenpod.com/voicemail/ Get access to bonus content and more on Patreon: www.patreon.com/JannArdenPod Connect with us: www.jannardenpod.com www.instagram.com/jannardenpod www.facebook.com/jannardenpod Learn more about your ad choices. Visit megaphone.fm/adchoices
Get AudioBooks for FreeBest Self-improvement MotivationTap Into Your Memory Power | Boost Brain & Recall FastUnlock your memory power with proven techniques to improve focus, learning, and recall. Discover powerful brain training strategies that actually work.Get AudioBooks for FreeWe Need Your Love & Support ❤️https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Today’s show was a lot of fun. I talked about many different subjects and took listener questions. I talked about the direction of the show and if I’m a member of the Illuminati (believe it or not, I’ve been accused of being a card carrying member). Maybe I should try to attend a Bilderburg meeting […] The post Why Do We Humans Get Disease? Am I A Member Of The Illuminati? Updates On Natural Doctors Being Killed, Recall Healing, Listener Questions & Much More! appeared first on Extreme Health Radio.
This week's podcast delivers a hard-hitting reality check for RVers.:- We break down a viral insider video from a top RV dealer CEO who openly calls out price gouging, overproduction, copycat designs, and why so many buyers end up upside down faster than they expect. If you are shopping, or even thinking about it, this one matters.- We also cover an RV recall blitz affecting more than 18,000 RVs across multiple brands, including fire risks, fuel leaks, and labeling errors that should have never made it past quality control.- Plus, a growing warning for RV travelers as aging water systems cripple access at Big Bend National Park and other popular National Park destinations.- Our take on Love's expanding RV hookups, convenient but noisy and pricey- How AI is being used for RV Travel PlanningNo spin, no fluff, just straight talk about the RV lifestyle. Listen to the Monday News Edition wherever you get your podcasts or at RVPodcast.com.
(February 09, 2026) Amy King and Neil Saavedra join Bill for Handel on the News. Savannah Guthrie’s new plea to mother’s kidnappers: ‘We will pay’ for her safe return. Ghislaine Maxwell to plead Fifth Amendment in upcoming deposition: Attorney. Thousands of products from Cheerios to Gatorade to Advil recalled in 3 states due to rat, bird droppings.See omnystudio.com/listener for privacy information.
Here is as promised the next episode of my ongoing collaboration about Political Theology with the Fourth Reich Archeology podcast. To unlock the whole thing you can sign up on patreon and access the entire archive of episodes and series. ##Original episode notes ##We are back with another installment of our ongoing series Fourth Reich Political Theology with Marcus from the Return of the Repressed podcast. Recall that in our opening salvo of this series, we laid the foundation for our excavation by exploring how the superstitious religious worldview of the feudal world order was superimposed onto the capitalist world order with “The Market” playing the role of God. The same way that serfs and peasants lived their lives in awe and default belief of a vengeful deity, we today implicitly believe in the mysterious market forces we are told move the earthly cosmos beyond the will of man.This episode picks up right where we left off, expanding outwards on what we covered in part 1 to reach beyond the “earthly philosophers” of bourgeois political economy (Smith, Bentham, et al.), to the German Idealists from Kant to the so-called neo-Kantains, to the early sociologists, to the man of the hour himself, Carl Schmitt. In our journey, we draw heavily on Georg Lukacs “The Destruction of Reason” to trace the thread of irrationalism through all liberal political philosophizing. Lukacs and Schmitt see eye to eye when it comes to the hypocrisy and incoherence of Western bourgeois liberal democracy. After all, rule of by and for the bourgeoisie–and the exploitation and domination of the proletariat that entails–cannot really pursue the objectives of liberté, egalité, and fraternité. That would destroy the special privileges enjoyed by the ruling class. But from the same observation, Schmitt and Lukacs proceed in polar opposite directions. Schmitt would strip back the pretense of institutional norms in favor of the rule of raw power, which he supported in his advocacy for and membership in the Nazi party. Lukacs, good Marxist that he was, would instead expose the exploitive nature of the state and the society and, developing class consciousness through praxis, expropriate the ruling class in favor of the dictatorship of the proletariat. It's another incredible conversation with Marcus, and one that has real practical implications for today when we once again find ourselves in what Schmitt called “the state of exception” where the sovereign alone makes the rules…Return of the Repressed Patreon: https://www.patreon.com/cw/TheReturnOfTheRepressedFourth Reich Archaeology Patreon: patreon.com/fourthreicharchaeology
Peer respite setbacks, a Springfield school board recall and Spokane students joining pro soccer academies lead this week's roundup.
If you're not following my YouTube and Rumble channels, you're weaker than Clavicular's cheek bones after a spazmodic bonesmashing fit. I've never paid attention to any of these people, but it's sure to enter my radar when they begin their direct work to destroy the psyche of mankind for their Ghoulie handlers.Many thanks for the channel campaign help. We're still a ways away from the goal. See the links below to help get the stuff we need. Thank You!Use Code BB5 here: https://SemperFryLLC.comClick Picture on the Right for the AZURE WELL products and use code BB5 for your discount.Find clickable portals to Dr Monzo and Dr Glidden on Dan's site, and it's the home of the best hot sauce, his book, and Clean Source Creatine-HCL.Join Dr. Glidden's Membership site here:https://leavebigpharmabehind.com/?via=pgndhealthCode: baalbusters for 25% OFFMake Dr. Glidden Your DoctorPods & Exclusives AD-FREE!https://patreon.com/c/KristosCastIndependent Channel Depends On YOU. Contribute Below:https://buymeacoffee.com/BaalBustershttps://paypal.me/BaalBustershttps://GiveSendGo.com/BaalBustersFollow these Below:Twitter Account: https://x.com/KristosCasthttps://open.spotify.com/show/0vtEmTteIzD2nB5bdQ8qDRWant Dan's book or his Award winning hot sauces and spicy honey?Go here: https://SemperFryLLC.comBooks and Documentaries You Should Own: https://www.bannedbyamazon.com/Use Code: BBDan for 10% OffFind clickable portals to Dr Monzo and Dr Glidden on Dan's site.Subscribe to the NEW dedicated channel for Dr Glidden's Health Solutions Show https://rumble.com/c/DrGliddenHealthShowBecome a supporter of this podcast: https://www.spreaker.com/podcast/ba-al-busters-broadcast--5100262/support.
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2 Peter 1:12-15 (ESV)Andrew, Isack, and Edwin discuss Peter's diligence to put the reminders on paper so we can remember the qualities of Jesus and grow to spiritual maturity through the knowledge of Jesus.Read the written devo that goes along with this episode by clicking here. Let us know what you are learning or any questions you have. Email us at TextTalk@ChristiansMeetHere.org. Join the Facebook community and join the conversation by clicking here. We'd love to meet you. Be a guest among the Christians who meet on Livingston Avenue. Click here to find out more. Michael Eldridge sang all four parts of our theme song. Find more from him by clicking here. Thanks for talking about the text with us today.________________________________________________If the hyperlinks do not work, copy the following addresses and paste them into the URL bar of your web browser: Daily Written Devo: https://readthebiblemakedisciples.wordpress.com/?p=24348The Christians Who Meet on Livingston Avenue: http://www.christiansmeethere.org/Facebook Page: https://www.facebook.com/TalkAboutTheTextFacebook Group: https://www.facebook.com/groups/texttalkMichael Eldridge: https://acapeldridge.com/
Two very different challenges, and one shared public health reality: systems have to work when it matters most. In this episode, we speak with Dr. Erica Pan, director and state public health officer for the California Department of Public Health, and ASTHO member, about a rare and unprecedented infant botulism outbreak linked to contaminated infant formula. She explains how California's unique Baby BIG® treatment program, home to the only infant botulism treatment in the world, helped detect a national pattern, how states coordinated with CDC and FDA, and the logistical strain of managing treatment supply, clinician hotlines, and public communication during a fast-moving emergency. Then, Alex Wheatley, senior director of island support at ASTHO, joins us to discuss a different kind of pressure point: helping U.S. Island jurisdictions navigate complex federal grant systems. She outlines a new resource designed to bridge gaps between federal funders and local health agencies, reduce misunderstandings, and build stronger, trust-based partnerships, especially when timelines, administrative processes, and time zones don't align.State Health Agencies' Role in Implementing Pharmacist-Prescribed Contraception | ASTHOWebinar Registration - Zoom
We discuss how Democratic candidates for Governor are competing with each other to embrace the BadgerCare Public Option bill, which will soon be introduced in the state legislature. We are joined by Citizen Action's Healthcare Action Coordinator, Kristie Tweed, to discuss widespread public support for bold action on healthcare costs and coverage. Kristie tells us about town halls Citizen Action members are holding throughout the state and how you can get involved as we push for passage of BadgerCare Public Option. We expose the power flex by big business hacks at the Milwaukee Metropolitan Association of Commerce (MMAC) which has filed suit to block proposed Port Washington ordinance to give residents a vote on public subsidies in big economic development deals. The business lobby, which promoted Foxconn, has a history of challenging democratic decision making, believing big corporations have a right to our tax money. Trump doubles down on threats to seize control of state elections, as lackey Congressman Brian Steil introduces a shocking voter suppression bill that does the bidding of the would-be dictator in the White House. We discuss why Wisconsin will be ground zero for the attack on the 2026 election and what we can do about it. Also, we discuss the ICE kidnapping of a Madison area soccer player's mom (who had legal status) at a soccer tournament, yet another example of the searing human toll of Trump's lawless crackdown.
Jann, Caitlin and Sarah revisit their conversation with poet, influencer and radio host, Josie Balka. They discuss Josie's journey into poetry, the impact of aging, vulnerability, and body image, and the process of publishing her debut poetry book, 'I Hope You Remember.' She reflects on the importance of authenticity in her work, the challenges of perfectionism, the joy of celebrating achievements, and the importance of personal connections that fuel creativity. More About Josie Balka: Josie Balka is a broadcaster, voiceover artist, and poet. She holds a diploma in radio, television, and film from Niagara College and has worked for some of the largest media companies in North America as an on-air personality. She can often be caught recording viral poetry in her sound-proof closet. https://www.instagram.com/josiebalka/ https://www.tiktok.com/@josiebalka https://www.simonandschuster.com/authors/Josie-Balka/224015716 #ASKJANN - want some life advice from Jann? Send in a story with a DM or on our website. Leave us a voicenote! www.jannardenpod.com/voicemail/ Get access to bonus content and more on Patreon: www.patreon.com/JannArdenPod Connect with us: www.jannardenpod.com www.instagram.com/jannardenpod www.facebook.com/jannardenpod Learn more about your ad choices. Visit megaphone.fm/adchoices
On this episode of Dog Works Radio, professional dog trainers from Alaska Dog Works share practical dog training tips, discuss common dog behavior problems, and explain how positive dog training and dog training consistency create better behavior at home. Reliable recall is not about control or obedience. It's about trust, value, and clear communication. In this episode of Dog Works Radio, host Michele Forto kicks off Season 2 by breaking down why recall often fails in the real world and how to rebuild it the right way. Using positive reinforcement and practical management strategies, this episode introduces the Recall Revolution, seven rules that turn "come" from a gamble into a dependable habit. What You'll Learn in This Episode Why recall is the ultimate real-world test of your dog's training foundation How unclear criteria and weak reinforcement sabotage recall Why is management essential for building a reliable recall safely How short, frequent practice sessions outperform long training drills The role play and engagement have in making recall emotionally rewarding How to increase difficulty without breaking your dog's confidence Sources Lead Dog Service Dog Training Program DAWGS Therapy Dog Program The Pack Membership Dog Works Radio Homepage Products We Use for Dog Works Radio My equipment: • SHURE SM7B Mic • Rodecaster Pro II audio production studio • Bose QuietComfort Ultra Headphones • Elgato Wave Mic Arm Pro Recommended resources: • Captivate.fm podcast hosting, distribution, analytics, and monetization • Keap CRM • Riverside.FM • Hindenburg Pro recording and editing Note: these may contain affiliate links, so I get a small commission on any product you buy through my link. Dog Works Radio is a podcast education show brought to you by Dog Works Radio and is hosted by Michele Forto. If you enjoy the show, I'd love for you to leave a rating or review on your favorite podcast app! And please let your friends and other podcasters know they can listen for free on Spotify and Apple Podcasts Lead Dog Service Dog Training Program DAWGS Therapy Dog Program The Pack Membership Dog Works Radio Homepage Products We Use for Dog Works Radio My equipment: • SHURE SM7B Mic • Rodecaster Pro II audio production studio • Bose QuietComfort Ultra Headphones • Elgato Wave Mic Arm Pro Recommended resources: • Captivate.fm podcast hosting, distribution, analytics, and monetization • Keap CRM • Riverside.FM • Hindenburg Pro recording and editing Note: these may contain affiliate links, so I get a small commission on any product you buy through my link. Dog Works Radio is a podcast education show brought to you by Dog Works Radio and is hosted by Michele Forto. If you enjoy the show, I'd love for you to leave a rating or review on your favorite podcast app! And please let your friends and other podcasters know they can listen for free on Spotify and Apple Podcasts
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Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility. The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education. Corey Coates 0:29 since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Speaker 1 1:14 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:30 Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful. Keith Weinhold 6:52 Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose. Keith Weinhold 11:38 Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver. Keith Weinhold 15:45 Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests. Keith Weinhold 16:54 You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge Caeli Ridge 17:16 my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir. Keith Weinhold 17:23 And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't. Caeli Ridge 17:58 I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it. Keith Weinhold 20:21 This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know? Caeli Ridge 21:17 So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional Keith Weinhold 22:40 for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on, Caeli Ridge 23:01 yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff, Keith Weinhold 23:44 you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs. Caeli Ridge 24:15 Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate. Keith Weinhold 25:30 So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans. Caeli Ridge 26:03 Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it. Keith Weinhold 26:53 We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right? Caeli Ridge 27:24 Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip. Keith Weinhold 28:31 Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer. Caeli Ridge 29:04 Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through. Keith Weinhold 29:39 Why would someone use a bridge loan, rather than a fix and flip loan. Caeli Ridge 29:43 So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to Keith Weinhold 30:17 the bridge loan gives you the advantage of speed, but that speed can come at a cost. Caeli Ridge 30:22 Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14% Keith Weinhold 30:30 so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold Keith Weinhold 31:06 mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com Keith Weinhold 32:08 you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989, Keith Weinhold 33:19 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Blair Singer 33:53 this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream. Keith Weinhold 34:09 Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know Caeli Ridge 34:29 I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take Keith Weinhold 36:39 gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it. Caeli Ridge 37:22 Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category. Keith Weinhold 38:35 Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors Caeli Ridge 39:03 absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations. Keith Weinhold 39:50 Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here? Caeli Ridge 40:10 Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective, Keith Weinhold 41:43 why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental? Caeli Ridge 41:49 You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor. Keith Weinhold 42:13 That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals? Caeli Ridge 42:18 Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term. Keith Weinhold 42:33 Now, are there any particular markets that lenders want to avoid with short term rental loans? Caeli Ridge 42:39 No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction. Keith Weinhold 43:12 Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you? Caeli Ridge 43:36 I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing Keith Weinhold 44:07 well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge. Caeli Ridge 44:30 My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by Keith Weinhold 45:24 It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone Caeli Ridge 45:32 can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com Keith Weinhold 45:49 and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show. Caeli Ridge 46:09 Thank you, Keith. I appreciate you. Keith Weinhold 46:16 Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 2 50:01 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively Keith Weinhold 50:30 The preceding program was brought to you by your home for wealth building, getricheducation.com
In this Mastering Excellence series episode of The Sales Maven Show, Nikki sits down with Roger Knecht, President of Universal Accounting Center, to unpack a skill that completely changes how conversations feel: true listening with real recall. Roger has this uncanny ability to summarize a conversation point by point without taking notes, and it is not a gimmick. It is a mental structure. When someone feels genuinely heard, trust accelerates. Rapport strengthens. And sales conversations become clearer, calmer, and far more effective. The conversation explores what most people think listening is versus what actually creates connection. Together, Nikki and Roger talk through the different levels of listening, from being distracted, to conversational listening where you are waiting for your turn to speak, to active listening where you are fully present, and finally deep listening where you hold space without judgment. The discussion highlights why shifting into active listening changes everything. When you stop performing in the conversation and focus on understanding, clarity increases and recall improves because your brain is organizing information instead of scrambling to respond. Roger shares the mental structure he uses before and during conversations. Before the conversation, he enters with a clear outcome and purpose, and he knows what success looks like. During the conversation, he uses a simple way to mentally sort information so it sticks, including thinking in sequences, spotting cause and effect, and filtering ideas through practical questions like what moves the needle, who can execute, and where this belongs in the bigger process. One of the most powerful themes is this: nothing is isolated. Everything connects. When you train your mind to notice the connections, recall becomes much easier. Connect with Roger on LinkedIn here: https://www.linkedin.com/in/rogerknecht/ Nikki invites you to join the Sales Maven Society. Take advantage of this opportunity to work together with you and Nikki. Bring your questions, concerns, and sales situations; she provides answers and guidance. Join the Sales Maven Society here, click Join Today, and then checkout and use coupon code 47trial to get your first month for $47.00! For more actionable sales tips, download the FREE Closing The Sale Ebook. Find Nikki: Nikki Rausch nikki@yoursalesmaven.com Facebook | Twitter | LinkedIn | Instagram Sales Maven Society https://calendly.com/salesmaven/work-with-nikki-discussion
The February 2026 recall features four previously posted episodes on multiple sclerosis. The episode begins with a conversation with Dr. Wallace J. Brownle discussing whether dissemination in time is essential to diagnois relapsing MS. The discussion continues with Dr. Daniel Ontaneda regarding the 2024 revisions of the McDonald criteria for diagnosing multiple sclerosis. The episode then transitions into a conversation with Dr. Jiwon Oh about BTK inhibitors and recent data on tolebrutinib in multiple sclerosis. The episode concludes with Dr. Sandra Vukusic addressing the differences in disease-modifying therapies for female versus male patients with multiple sclerosis. Podcast link: Investigating Whether Dissemination in Time Is Essential to Diagnose Relapsing MS 2024 McDonald Criteria BTK Inhibitors in Multiple Sclerosis Treatment Sex-Related Gap in the Use of Disease-Modifying Therapies in Multiple Sclerosis Podcast article: Investigating Whether Dissemination in Time Is Essential to Diagnose Relapsing Multiple Sclerosis Diagnosis of Multiple Sclerosis: 2024 Revisions of the McDonald Criteria Tolebrutinib versus Teriflunomide in Relapsing Multiple Sclerosis Tolebrutinib in Nonrelapsing Secondary Progressive Multiple Sclerosis Sex-Related Gap in the Use of Disease-Modifying Therapies in Multiple Sclerosis Disclosures can be found at Neurology.org.
Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.
Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.
Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.
Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.
Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.
Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.
Dr. David Eagleman, PhD, is a neuroscientist, bestselling author and professor at Stanford University. We discuss how to leverage the science of neuroplasticity to learn new skills and information and how accurate and false memories form and are forgotten. We also discuss time perception and why it speeds up or slows down depending on our age and stress level. We cover dreaming and the meaning of visual and other dream content. And we discuss the neuroscience of cultural and political polarization and how to remedy it. This episode provides science-based knowledge and practical tools you can use to enhance learning and better understand your experience of life in the past, present and future. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Mateina: https://drinkmateina.com/offer Rorra: https://rorra.com/huberman Lingo: https://hellolingo.com/huberman Function: https://functionhealth.com/huberman Timestamps (00:00:00) David Eagleman (00:02:35) Neuroplasticity & Learning; Cortex, Flexibility & Repurposing, Savantism (00:11:07) Sponsors: Mateina & Rorra (00:13:27) Specialization vs Diversification, Practice; Internet & Curiosity (00:22:05) Building a Well-Rounded Brain, Tool: Critical Thinking & Creativity (00:28:18) Neuroplasticity & Adults, Tools: Novelty & Challenge (00:32:41) Neuromodulators & Plasticity, Psychedelics; Directed Plasticity (00:38:50) Sponsor: AG1 (00:39:41) Building a Better Future Self, Tool: Ulysses Contract to Avoid Bad Behaviors (00:50:13) Brain Chatter, Aphantasia & Practice (00:56:57) Specialization vs Diverse Experience, Childhood & Brain (01:00:50) Space & Time Perception, Tool: Space-Time Bridging Meditation (01:06:17) Are We Good at Estimating Time?; Fear, Time & Memory (01:11:23) Sponsor: Lingo (01:12:53) Fearful Situations & Time Perception; Joyful Events & Novelty, Tool: Do Things Differently (01:18:56) Staying in the Present, Mental Illness & Time Domains, Addiction (01:27:09) Social Media, Addiction, Curiosity (01:30:51) Vision & Auditory Deficits, Sensory Substitution, Neosensory Wristband (01:35:26) Sponsor: Function (01:37:13) Sensory Reliance, Echolocation, Potato Head Theory, Sensory Addition (01:41:36) Why We Dream, Vision & Neuroplasticity, REM Sleep, Blindness (01:49:55) Victims, Fear, Memory Drift & Recall, Eyewitness Testimony & Jury Education (01:56:10) Kids vs Adults, Memory Manipulation; Photos (01:59:27) Polarization, In vs Out Groups, Empathy; Fairness (02:06:31) Polarization, Reward vs Punishment; Propaganda, Language, Complexification (02:19:27) Current Projects; Acknowledgements (02:21:44) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices
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