Podcasts about Recall

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/ 

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.

Experiencing Joy and Bliss - A Creative Visualisation What if joy and bliss weren't things you had to chase… What if they were already inside you, waiting to be remembered? In this deeper episode of Personal Development Unplugged, Paul guides you through a powerful creative visualisation designed to help you experience joy, bliss, and deep personal pride – not just think about them. This is not about forcing positivity or pretending everything is perfect. It's about sending a clear emotional signal to your unconscious mind: "This is how I want to feel." Using imagination, memory, sensory awareness, and gentle NLP-style anchoring, you'll explore what joy truly feels like for you – and how that feeling can begin to influence your future choices, goals, and direction in life. This episode works best when you can set aside around 20 minutes with no distractions. It's an internal experience – subtle, safe, and deeply personal. In this episode, you'll: Discover why feelings, not goals, are the real compass of personal development Experience a guided creative visualisation for joy, bliss, and personal pride Learn how imagination can bypass internal resistance and unlock change Anchor empowering emotional states you can access whenever you choose Begin building a "base camp" for future growth and deeper work Explore how joy can become a signal your unconscious mind follows This episode gently sets the foundation for upcoming deeper dives into joy, purpose, and removing what gets in the way of feeling truly alive. Best enjoyed somewhere comfortable, safe, and uninterrupted with headphones Your Key Takeaways Your unconscious mind often knows more than your conscious plans Joy and bliss are states, not rewards Imagination is a valid and powerful route to emotional change You can consciously anchor empowering feelings Feeling good isn't selfish – it's ecological Your Call to Action Subscribe so you don't miss the upcoming deeper dives Share this episode with someone who could use more joy in their life https://personaldevelopmentunplugged.com/473-experiencing-joy-and-bliss-a-creative-visualisation Explore Paul's hypnosis and visualization tracks at paulcloughonline.com/podcast Send feedback or suggestions to feedback@personaldevelopmentunplugged.com Shine Brightly

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.

This week we put the tragic events and courageous resistance to tyranny in the Twin Cities in the context of our failing democracy. A new report from the Urban Institute shows that Wisconsin has fallen behind other states in income over the past 50 years, especially compared to our neighbors in Minnesota and Illinois. How does the failure of Wisconsin's economic policy relate to the vulnerability of democracy? We assess the role of the Democratic Primary for Governor, and the active involvement of organized groups such as Citizen Action of Wisconsin, in charting a new policy course that truly addresses the income and affordability crisis. We also give a detailed update of the data center controversies across the state. We invite all Battleground Wisconsin listeners to attend Citizen Action's Governor Forums in La Crosse, Eau Claire, Wausau, Green Bay, and Milwaukee.

A warm welcome back to friend of the show and one of our favourite Canadian media personalities, George Stroumboulopoulos. Jann, Strombo, Caitlin and Sarah discuss everything from the impact of the LA fires, to the challenges of straddling cultural identities between Canada and the US. They also touch on political discourse, the concept of virtue signaling, and the transformative power of music therapy in healing and providing comfort to those in need. Strombo also reflects on his creative process, memorable interviews, and the importance of human connection, sharing personal stories about interviewing celebrities along the way. In the second half of the episode, the conversation shifts as Jann shares a heartfelt story about a close friend's breast cancer diagnosis with Caitlin and Sarah, reflecting on the emotional complexities of supporting loved ones through difficult times. They share personal experiences and insights related to cancer, the importance of community support, the value of accepting help from friends. More from Strombo: ⁠https://musictherapyfund.ca/scholarship/⁠ ⁠https://music.apple.com/ca/curator/strombo/1496683317⁠ ⁠https://podcasts.apple.com/ca/podcast/strombo/id1701744950⁠ ⁠https://www.youtube.com/user/TheStromboShow⁠ #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

Will Johnson visits with the newest member of the U.S. Winter Olympic team and former A&M football player Boone Niederhofer on this edition of Recall.Niederhofer has been named to the USA Bobsled team for the 2026 Winter Olympics, set to take place Feb. 6-22 in Milano Cortina, Italy. He is Texas A&M's first student-athlete to make a U.S. Winter Olympic team since at least 1980. A four-time World Cup team member for USA Bobsled, Niederhofer most recently competed at the 2025 IBSF World Championships this past March, where his four-man crew finished fourth overall.Before transitioning to bobsled, Niederhofer was a five-year member of the Texas A&M football program from 2012-16, lettering his final three seasons. As a wide receiver, he recorded 35 receptions for 327 yards and one touchdown in 27 career games. His best performance came against SMU in 2014, when he totaled 73 yards on six catches. His lone career touchdown also came during the 2014 season against Lamar.Niederhofer graduated from Texas A&M with a degree in petroleum engineering.(podcast photo courtesy IBSF)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ford issued a recall on almost 117,000 vehicles.

Mike North & Dan Jiggetts recall intense transition segments with Terry Boers full 1460 Tue, 27 Jan 2026 21:00:18 +0000 BGGZ0nOCTSAcBP1sixpj1tkW8jVvWY6z sports Spiegel & Holmes Show sports Mike North & Dan Jiggetts recall intense transition segments with Terry Boers Matt Spiegel and Laurence Holmes bring you Chicago sports talk with great opinions, guests and fun. Join Spiegel and Holmes as they discuss the Bears, Blackhawks, Bulls, Cubs and White Sox and delve into the biggest sports storylines of the day. Recurring guests include Bears cornerback Jaylon Johnson, former Bears coach Dave Wannstedt, former Bears center Olin Kreutz, Cubs manager Craig Counsell, Cubs second baseman Nico Hoerner and MLB Network personality Jon Morosi. Catch the show live Monday through Friday (2 p.m. - 6 p.m. CT) on 670 The Score, the exclusive audio home of the Cubs and the Bulls, or on the Audacy app. © 2025 Audacy, Inc. Sports False https://player.

There has been a recall on certain coffee K Cups and this has affected some of us Follow the Sports Animal on Facebook, Instagram and X PLUS The Morning Animals on XListen to past episodes HERESee 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

This is a guided meditation and reflection on all of Psalm 32. Psalm 32 starts with the reminder of the joy we should know because of the fresh start and a clean slate we’ve been given through Jesus. Have we forgotten how amazing and miraculous his work is in our lives? This Psalm also reminds us that hiding sin in secret places will eat us up from the inside out. The amazing news is – when we bring anything hiden into the light, God renews and receives us. Did you catch that? Every single time you turn back to God, he receives you. Every. Single. Time. He does not tire of our returns, he celebrates them. In this meditation, we will listen to Psalm 32 from the Message Translation and I will give you prompts to reflect on with the Lord. Each reflection space in 1 minute long. Feel free to pause or rewind if you need more time. May the Lord guide you to what he has for you through his Word today. Here are the reflection prompts: Consider, what would your life be like without Jesus? Thank God that through Jesus he has given you a clean slate. Recall a time when you were hiding from God and others and how it felt. When you returned to God and stopped hiding from others, how did that feel? Thank him for his mercy. Bring it forward to today… is there any place in your life that you feel you are hiding from God or others? If so, what’s holding you back from bringing it to the light? Ask God if there is any place in your life where you’re being ornery like a horse or a mule and resisting him. If he reveals anything, Ask him for his help. If nothing comes to mind, ask him to help you stay tender and responsive to his leading. Praise God for the truth that you are loved every time you turn around. If there’s a place that God has shown you where you need to turn around, ask God for his help. And remember you will be received with love. Here’s some links I discussed in the podcast: The guided retreat to help you move into this new year with intention is here. You can find Jodie at http://www.jodieniznik.com/ Instagram @jodieniznik Facebook @JodieGNiznik Learn more about Lectio Divina and download your free Lectio Divina Journal here. And if you’re ready to make Scripture Meditation a part of your new year, I encourage you to join my Monday email newsletter here. I’ll send out link to the newest meditation every Monday morning. Download free sample chapters from my Bible studies here. The passages we meditated on is as follows: Psalm 32, The Message Count yourself lucky, how happy you must be— you get a fresh start, your slate’s wiped clean. 2 Count yourself lucky— God holds nothing against you and you’re holding nothing back from him. 3 When I kept it all inside, my bones turned to powder, my words became daylong groans. 4 The pressure never let up; all the juices of my life dried up. 5 Then I let it all out; I said, “I’ll make a clean breast of my failures to God.” Suddenly the pressure was gone— my guilt dissolved, my sin disappeared. 6 These things add up. Every one of us needs to pray; when all hell breaks loose and the dam bursts we’ll be on high ground, untouched. 7 God’s my island hideaway, keeps danger far from the shore, throws garlands of hosannas around my neck. 8 Let me give you some good advice; I’m looking you in the eye and giving it to you straight: 9 “Don’t be ornery like a horse or mule that needs bit and bridle to stay on track.” 10 God-defiers are always in trouble; God-affirmers find themselves loved every time they turn around. 11 Celebrate God. Sing together—everyone! All you honest hearts, raise the roof! Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Happiness and freedom are what we ultimately want, but what path should we follow to get there? Should we pursue meaningful relationships, lasting intimacy, financial security, purpose and meaning, health, family, fame or religion? Or is it something else entirely?   Well, in this series of podcasts, Roy describes the BEST path to happiness and freedom. It is spiritual in nature, and it's about shifting from recalling to forgiving.   In this episode, you will learn: ·      How the past creates unhappiness; ·      3 simple steps to letting go of the past; ·      What puppies can teach you about forgiveness; ·      How to open your heart and trust again; ·      And much, much more!   There really isn't a more important topic than this one, so don't miss this episode and series.   Additional Resources Roy may have mentioned on the show:   Roy's Website: https://coachingwithroy.com   Roy's Relationship Fitness Self-Assessment Test: https://coachingwithroy.com/the-relationship-fitness-self-test/   Roy's 4 Books: ·      Quantum Questions: https://www.amazon.com/dp/B0F4RFZBS3/ ·      Relationship Bootcamp: https://amzn.to/360UsMR ·      Attracting Lasting Love: http://amzn.to/1UnYeYh ·      A Drink with Legs: https://amzn.to/31UBl3K     Roy's Group Coaching Program: https://coachingwithroy.com/group-coaching/   Roy's Complimentary 45-min. Coaching Session: To set up an appointment, email him at roy@coachingwithroy.com or call his cell 407-687-3387.   The Attracting Lasting Love podcast explores the dynamics of mature and adult dating, delving into the issues of emotional intelligence, the law of attraction, and the quest for a life partner or soulmate, while offering conscious insights and mindful advice on navigating modern relationships.

If you've ever felt stuck on a manifestation that won't budge, this episode reveals the first question I ask when fellow creators ask for manifesting tech support. It might be just the ticket to get your LOA ball rolling again, too.I'll also walk you through exactly what it means to align to your desires and share my favorite RIDS method for getting there: Recall it, Imagine it, Draft it, and Spotlight it in daily life. Whether you're manifesting romance, money, a new job, or anything else, this is your reminder to actually USE your vibrational magic powers. Universe needs an aligned instruction to deliver your desires. Let's make sure you've got one!

Windows 11 isn't very safe and secure. Unlike Google, Apple or Meta, Microsoft will just hand the keys to your BitLocker over to the FBI without much of a fight. And remember kids, Recall is snapshotting pretty much everything. Once again, can I interest you in Linux...?Watch the podcast episodes on YouTube and all major podcast hosts including Spotify.CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles.Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/On YouTube - https://www.youtube.com/c/ClownfishTVOn Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvgOn Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629

  Today's show features: - George Nenni, Founder of Generations Digital - Ryan Maher, CEO of BizzyCar - Rob Studebaker, General Manager of Treasure Valley Subaru This episode is brought to you by: Impel – Your sales team should be selling—not answering the same questions after hours or chasing low-intent leads. Impel Sales AI works the inbox 24/7, qualifying every lead, responding with intent-aware, personalized answers, and booking showroom appointments automatically. With Agentic Response, Impel interprets context in real time and hands off only ready-to-buy customers—complete with full conversation history and smart summaries—so your reps can step in at exactly the right moment. See how we turn your BDC into a powerhouse at NADA 2026, Booth #4331W and at https://impel.ai/sales-ai BizzyCar – BizzyCar uses AI to automate recall outreach for dealerships, transforming missed opportunities into booked appointments, higher revenue, and safer vehicles. Book a demo today at: https://info.bizzycar.com/cdg — Check out Car Dealership Guy's stuff: CDG Circles ➤ https://cdgcircles.com/ CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683

The Milwaukee Brewers' billionaire owner traded All-Star Freddy Peralta yesterday for prospects, leaving fans upset at the trade and the financing of Major League Baseball that created and normalized such a lopsided and unfair trade. We welcome Simon Rosenblum-Larson, a former minor league baseball player who helped organize a union for minor league players, to provide his perspective on the trade and take a deep dive into the financing and politics of MLB that enriches billionaires while extracting money from taxpayers. We close the show with Lisa Lucas the co-host of the Brewers Babes Podcast to get her take on the trade and MLB's broken system.

Flashing back to January 2025 and the first episode of last season, on this week's recall, Jann Arden revisits her conversation with Toronto-based media personality Jax Irwin in her home studio! Jax is known for her wildly popular ⁠"East Coast Cold Calls"⁠ series. Jax and Jann delve into their shared experiences with sobriety, they discuss the unexpected transition from traditional media to the digital world, the joys and anxieties of morning radio, and the surprising connections she's forged through her cold calls. More About Jax Irwin: Jax Irwin is an award winning digital creator & on-air host. Known for blending humour and heart, Jax has become a trusted and familiar figure in Canadian media over her 15 year broadcasting career. With an East Coast gift of gab, Jax has hosted shows across the country including Virgin Radio Toronto's “Virgin Morning's with Adam Wylde, TJ & Jax” along with regular appearances on CTV's The Social, Your Morning, and CTV News. Shifting into the world of social media over the past few years, she has quickly made a name for herself as a versatile content creator and collaborator. Whether she's cold-calling a random phone number on TikTok just for the fun of it, or teaming up with some of North America's biggest brands in commercial campaigns, you can count on Jax's enthusiasm and approach to keep the audience coming back.  Watch Jax & Jann's cold call on ⁠TikTok⁠ or ⁠Instagram.⁠ Follow Jax on socials: ⁠https://www.instagram.com/jaxonair/⁠ ⁠https://www.tiktok.com/@jaxonair⁠ Get access to bonus content and more on Patreon: ⁠https://patreon.com/JannArdenPod⁠ Connect with us: ⁠www.jannardenpod.com⁠ ⁠www.instagram.com/jannardenpod⁠ ⁠https://twitter.com/JannArdenPod⁠ ⁠www.facebook.com/jannardenpod Learn more about your ad choices. Visit megaphone.fm/adchoices

Read OnlineThe disciples of John and of the Pharisees were accustomed to fast. People came to Jesus and objected, “Why do the disciples of John and the disciples of the Pharisees fast, but your disciples do not fast?” Jesus answered them, “Can the wedding guests fast while the bridegroom is with them?” Mark 2:18–19Fasting was common in Old Testament times. Its purpose was to express repentance, mourning, or preparation for divine intervention. This was especially true among John the Baptist's disciples who fasted in response to John's call to repentance and preparation for the coming of the Messiah.Though the Pharisees fasted, their fasting was often for show, to illustrate a false piety. Recall the Pharisee's prayer in the Parable of the Pharisee and the Tax Collector: “The Pharisee took up his position and spoke this prayer to himself, ‘O God, I thank you that I am not like the rest of humanity—greedy, dishonest, adulterous—or even like this tax collector. I fast twice a week, and I pay tithes on my whole income'” (Luke 18:11–12). In today's Gospel, Jesus explains that His disciples do not fast now, but that a day is coming when they will need to fast. Jesus explains this within the context of revealing His divine identity as the Bridegroom of God's people.Through the prophets, God often described His relationship with His people in terms of a marriage covenant. Isaiah said, “For your husband is your Maker; the LORD of hosts is his name, Your redeemer, the Holy One of Israel, called God of all the earth” (Isaiah 54:5). Hosea prophesied, “I will betroth you to me forever: I will betroth you to me with justice and with judgment, with loyalty and with compassion…” (Hosea 2:22–23).While Jesus, the Bridegroom, was with them physically, His disciples were at their wedding banquet, celebrating the new marriage covenant God was establishing with them. It was inappropriate to fast at such a banquet. However, “the days will come when the bridegroom is taken away from them, and then they will fast on that day” (Mark 2:20). This is a reference to Jesus' Passion, Death, and Ascension. He prophesied that once the New Marital Covenant was sealed in His Blood and His earthly mission completed, “they will fast on that day.” That day is today!In the early Church, fasting was also common: “While they were worshiping the Lord and fasting, the holy Spirit said, ‘Set apart for me Barnabas and Saul for the work to which I have called them.' Then, completing their fasting and prayer, they laid hands on them and sent them off” (Acts 13:2–3). In this instance, fasting helped the teachers and prophets in Antioch discern Saul and Barnabas' mission in preparation for sending them forth.Today, Jesus not only calls us to regular forms of fasting and mortification, doing so is an essential part of our spiritual journey. This teaching is clear in the New Testament. For example, at the beginning of Jesus' ministry He entered the desert and “fasted for forty days and forty nights” (Matthew 4:2). This models for us the value of fasting as we attempt to fulfill our missions and overcome the temptations of the evil one.If we want to imitate our Lord, deepen our covenantal bond with Him, and further His mission, then we must regularly fast. Though fasting is only required twice a year—on Ash Wednesday and Good Friday—we are encouraged to do so weekly, especially on Fridays, uniting this practice to our prayer life. Reflect today on your practice of fasting and other forms of regular mortification. Fasting is an interior discipline that unites us to the suffering Christ and prepares our hearts to receive His abundant grace. By helping us overcome the enticements of the flesh and distractions of this world, fasting refocuses our souls on the eternal wedding feast that awaits us in Heaven. Embrace fasting not as a burden, but as a joyful opportunity to grow in holiness, deepen your covenantal relationship with the Bridegroom, and prepare more fully for the mission on which He sends you.My Lord and Bridegroom, through the shedding of Your Blood, You have established a New Covenant of love and salvation with me. I long to deepen this covenant and remain faithful to the mission You have entrusted to me. When I am tempted by the disorder of my appetites or distracted by the allurements of the world, remind me of the necessity and grace of fasting. Help me to embrace this holy practice with joyful anticipation of its spiritual rewards and with greater trust in Your providence. Jesus, I trust in You.Image via Adobe Stock Source of content: catholic-daily-reflections.comCopyright © 2026 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

Read OnlineJohn the Baptist saw Jesus coming toward him and said, “Behold, the Lamb of God, who takes away the sin of the world. He is the one of whom I said, ‘A man is coming after me who ranks ahead of me because he existed before me.'” John 1:29–30Central to the Jewish faith was the Feast of Passover, the commemoration of God's deliverance of His people from slavery in Egypt (Exodus 12). In Jesus' time, Passover was one of three major annual feasts during which the Jews made a pilgrimage to the Temple in Jerusalem. Additionally, the Feast of Weeks celebrated the giving of the Law on Mount Sinai and the first fruits of the harvest (Leviticus 23:15-22), and the Feast of Tabernacles recalled the Israelites' wandering in the desert and celebrated God's providence (Leviticus 23:33-43).Recall the first Passover meal. Moses instructed the people to sacrifice an unblemished lamb, mark the doorposts of their homes with its blood, and eat the lamb with unleavened bread and bitter herbs in haste, ready to depart. This act of faith and obedience protected them from the angel of death who passed over the marked houses, sparing the firstborn of Israel, while striking down the firstborn of Egypt. The Passover thus became a perpetual memorial of God's saving power and His covenantal faithfulness to His people.Because of the Passover, the idea of a sacrificial lamb was intimately familiar to the Jewish people. The Jews were also familiar with the prophecy in Isaiah 53—often referred to as the Suffering Servant—in which the servant of the Lord is described as “a lamb led to the slaughter,” who bears the sins of many (Isaiah 53:7, 10–12). Additionally, each morning and evening, a lamb was sacrificed in the temple as a continual offering for sin (Exodus 29:38–42).As Jesus began His public ministry, the first thing said of Him came from John the Baptist: “Behold, the Lamb of God, who takes away the sin of the world.” His words would have resonated within the minds and hearts of John's disciples. His disciples believed that John was a great prophet and the forerunner of the Messiah, sent to prepare the way for the Lord. They saw him as a holy man who called for repentance and renewal, and some even wondered if he himself might be the Christ, though John consistently denied this.Because John's ministry was one of preparation for the Messiah, his disciples would have anticipated the Messiah's imminent arrival. Imagine the excitement, surprise, questions, uncertainty, and hope that would have filled their minds and hearts as they listened to John's prophecy about Jesus. John continued, “He is the one of whom I said, ‘A man is coming after me who ranks ahead of me because he existed before me.'”Though John's proclamation about Jesus took on a powerful significance for his disciples that first moment that he revealed Jesus as the Lamb of God, John's words must resonate within each of us today. Now that the Christmas Season is complete and we enter into Ordinary Time, we are invited to embrace Jesus' public ministry, with all His teachings and Paschal Sacrifice, as something extraordinary in our lives. We must approach His ministry with the same hope, enthusiasm, excitement, and anticipation that John's disciples experienced. Reflect today on the moment when John the Baptist's disciples heard him proclaim, “Behold, the Lamb of God!” Like them, strive to see Jesus with new eyes and hopeful anticipation as we begin Ordinary Time. This liturgical season marks the beginning of Jesus' public ministry, and it must also be a renewed beginning of His works in your life. Follow Him without reserve, allowing Him to take away your sins and share in His life and love. Most holy Lamb of God, Who takes away the sins of the world, I choose to follow You, for You are the Messiah, the Son of God. As we enter into Ordinary Time, please give me the grace to embrace Your public ministry in an extraordinary way. May Your working in my life begin anew, transforming me and leading me to the freedom won by Your Paschal Sacrifice. Jesus, I trust in You.Image via Adobe StockSource of content: catholic-daily-reflections.comCopyright © 2026 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

We applaud a victory for local democracy this week in little Greenleaf, Wisocnsin. When Big Tech came calling, local residents pushed back so quickly on a proposed data center that the developers immediately pulled out. We put the Greenleaf story in perspective, taking a deep dive into the details of bills from Legislative Republicans and Democrats, and commitments so far by candidates for Governor, to create a framework for regulating data centers. Are the current proposals enough to make sure the data center binge will not jack up already high utility rates, and prevent a response to global warming at the scale and urgency of the crisis? We also evaluate the first 2026 Affordable Care Act enrollment numbers in the aftermath of the end of enhanced affordability subsidies. Will the enrollment numbers get worse without meaningful action by Congress? We close with the ongoing attempt to criminalize dissent at the state Capitol.

AP's Lisa Dwyer reports more minifridges are being recalled.

This week, Jann Arden welcomes special guest John Batt, the creator of the popular Canadian history-themed Instagram account ⁠@canada.gov.ca.⁠ They explore the unique blend of humour and Canadian history that defines Batt's work, discussing the evolution of his account, the cultural identity of Canada, and the experience of performing live shows across Canada. The conversation also touches on Batt's journey from a day job to becoming a full-time content creator and the impact of internet culture on his career. Jann, Caitlin, John and Sarah explore the multifaceted aspects of Canadian culture, from music licensing in the 90s to the unique regional delicacies that define Canadian cuisine. The discussion also highlights the importance of humor in politics and the role of community in shaping cultural narratives. As they reflect on the past and look towards the future, the conversation emphasizes the need for a more honest understanding of Canada's diverse identity and the hope for positive change. More about John Batt: John Batt was born and raised in Fredericton and now lives in Montreal. When Batt is not working in post-secondary education, he is fine-tuning his live show that is coming to a city near you. His live show, which is selling out across the country, is neither a podcast nor is it stand-up comedy: instead it's ⁠canada.gov.ca ⁠and there's really nothing like it. Find his upcoming tour dates and more on Instagram. #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

Mairead Maguire, Reporter with the Journal.ie, discusses the latest recall order of SMA infant formula products, amid fears of contamination by a harmful toxin.

World news in 7 minutes. Thursday 15th January 2026.Today: France no-confidence vote. Germany Greenland troops. Ukraine energy emergency. Switzerland Nestle recall. Japan snap election. Thailand crane disaster. Singapore opposition leader. Kazakhstan oil. Tunisia journalist freed. Burkina Faso coach fired. United States visa suspensions. Venezuela journalist release. South Korea BTS tour.With Juliet MartinSEND7 is supported by our amazing listeners like you.Our supporters get access to the transcripts written by us every day.Our supporters get access to an English worksheet made by us once per week. Our supporters get access to our weekly news quiz made by us once per week. We give 10% of our profit to Effective Altruism charities. You can become a supporter at send7.org/supportContact us at podcast@send7.org or send an audio message at speakpipe.com/send7Please leave a rating on Apple podcasts or Spotify.We don't use AI! Every word is written and recorded by us!Since 2020, SEND7 (Simple English News Daily in 7 minutes) has been telling the most important world news stories in intermediate English. Every day, listen to the most important stories from every part of the world in slow, clear English. Whether you are an intermediate learner trying to improve your advanced, technical and business English, or if you are a native speaker who just wants to hear a summary of world news as fast as possible, join Stephen Devincenzi, Niall Moore and Juliet Martin every morning. Transcripts, worksheets and our weekly world news quiz are available for our amazing supporters at send7.org. Simple English News Daily is the perfect way to start your day, by practising your listening skills and understanding complicated stories in a simple way. It is also highly valuable for IELTS and TOEFL students. Students, teachers, TEFL teachers, and people with English as a second language, tell us that they use SEND7 because they can learn English through hard topics, but simple grammar. We believe that the best way to improve your spoken English is to immerse yourself in real-life content, such as what our podcast provides. SEND7 covers all news including politics, business, natural events and human rights. Whether it is happening in Europe, Africa, Asia, the Americas or Oceania, you will hear it on SEND7, and you will understand it.For more information visit send7.org/contact or send an email to podcast@send7.org

Send us a textIn this episode of the Think Like a Dog podcast, Andreia and Millie break down what reliable recall actually means, and why most dogs aren't truly off-leash trained. They explain why recall must start on leash, how inconsistent expectations and rushed freedom lead to failure, and why practicing in multiple environments is non-negotiable.The conversation also explores the role of thresholds, such as doors, crates, cars, and gates, and how these everyday moments shape impulse control, safety, and overall behavior. Andreia and Millie emphasize that structure creates clarity, and clarity creates freedom. This episode challenges common myths around off-leash training and helps listeners understand the responsibility that comes with giving dogs real-world freedom.Support the showFollow Us On Instagram: @thinklikeadogpodcast @Mirrorimagek9 @OzzieAlbiesFoundation Work with Mirror Image K9 here: https://www.mirrorimagek9.com/contactusBe Our Guest: https://www.thinklikeadogpodcast.com Learn More About The Best Chance Program: https://www.ozziealbiesfoundation.org/

There is a national recall on multiple cheese products. Measles case in the DMV, via amtrack. Several restaurant chains are offering deals for pizza week. Make sure to also keep up to date with ALL our podcasts we do below that have new episodes every week: The Thought Shower Let's Get Weird Crisis on Infinite Podcasts See omnystudio.com/listener for privacy information.

A Christchurch father has been left out of carpet - and out of pocket - after pulling it up during a major recall of coloured sand. He spoke with Kim Baker Wilson.

One simple question stops them from stepping in the dog crap with their open-toed shoes: Why didn't the Biden administration release the information if there was dirt on Trump?So that will be a FUN show, as we showcase just how desperate Democrats were in 2025. And now the carryover. Wow, is the word that comes to mind as we watch Democrats implode.They are DOGEing themselves.New Hampshire banned sanctuary cities. Why is this necessary?MN are now making videos asking, “Where are the kids?” The Democrats have activated Conservative citizen journalists around the country to look into their frauds. And this won't end well for Democrats, Somalis, or Ilhan Omar.Recall when I told you that when President Trump calls somebody out by name, the future is set. He did this with Ilhan Omar.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to Nerd Alert, a series of special episodes bridging the gap between marketing academia and practitioners. We're breaking down highly involved, complex research into plain language and takeaways any marketer can use.In this episode, Elena and Rob explore how brand presence and timing shape viewer memory. They reveal why showing your brand early and often for at least two-thirds of the ad is critical for recognition.Topics covered:   [01:00] "Brand Recognition in Television Advertising: The Influence of Brand Presence and Brand Introduction"[02:00] How brand presence affects recall[03:00] The cost of delayed brand introduction[04:00] The two-thirds rule for optimal recognition[05:00] Building memory structures through creative[06:00] Why storytelling techniques can backfire  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: Gerber, C., Terblanche-Smit, M., & Crommelin, T. (2014). Brand recognition in television advertising: The influence of brand presence and brand introduction.Acta Commercii, 14(1), 1–9. https://doi.org/10.4102/ac.v14i1.223  Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

We lead off with Trump's gun boat diplomacy in Venezuela and the shocking bloodshed perpetrated by ICE in Minneapolis. What does it mean and how is the resistance to authoritarianism responding so far? We welcome State Representative Ryan Clancy to discuss three game changing progressive tax bills that would transform how Wisconsin funds K-12 schools, local governments, and other public services. If enacted, Wisconsin would become the first state to fund K-12 schools primarily through a progressive income tax, leading to a 44% reduction in the median Wisconsin property tax bill. The two other bills restore Wisconsin's estate tax for those valued higher than $15M, and create a new local option income tax on the ultra wealthy. We review new analysis by Wisconsin Watch that 46% of State's private school students get public-financed vouchers and 96% are in religious schools. We close with the U.S. House revolt against Trump and Speaker Johnson on the expiring ACA affordability subsidies. Nine Republicans defied Trump and Johnson, forcing the vote, all from swing districts, but not Derrick Van Ordin. Does it have a chance in the U.S. Senate? At the state level, some legislative Republicans are advancing a bill requiring transparent hospital pricing for “shoppable services” that has split the big corporate business interests from the hospitals. Is there an opening among Republicans and corporate interests to rein in Wisconsin's astronomical hospital prices, which are the highest in the Midwest and the 5th highest in the country? Robert also asks why Senator Chris Larson is the only Democrat co-sponsoring the legislation?

Hour Two of the Good Morning Football Podcast begins with a look at coaching changes being made quickly in the NFL. Hosts Jamie Erdahl, Kyle Brandt, Manti Te'o, and Willie Colon look back at their preseason predictions to see how they played out. Super Bowl Champion Martellus Bennett drops by to discuss the winning culture of the Patriots and his favorite Tom Brady story! Plus, NFL Super Fan Brian Fowler on his record breaking feat of attending NFL games this season. The Good Morning Football Podcast is part of the NFL Podcast NetworkSee omnystudio.com/listener for privacy information.

Jann Arden speaks with Lisa Genova, a renowned author and neuroscientist, about her unexpected pivot from studying the brain to writing impactful fiction that explores neurological conditions. They discuss Genova's personal experiences with Alzheimer's in her family, the importance of empathy in understanding mental illness, and her latest novel, 'More or Less Maddy,' which tackles bipolar disorder. The discussion also touches on the challenges of being a single parent and wisdom for aspiring writers. More About Lisa: Acclaimed as the Oliver Sacks of fiction and the Michael Crichton of brain science, Lisa Genova is the New York Times bestselling author of Still Alice, Left Neglected, Love Anthony, Inside the O'Briens, and Remember: The Science of Memory and the Art of Forgetting. Still Alice was adapted into an Oscar–winning film starring Julianne Moore, Alec Baldwin, and Kristen Stewart. Lisa graduated valedictorian from Bates College with a degree in biopsychology and holds a PhD in neuroscience from Harvard University. She is featured in the documentary films To Not Fade Away and Have You Heard About Greg. Her TED talks on Alzheimer's disease and memory have been viewed over eleven million times. https://www.lisagenova.com/ *Episode photo credit Greg Mentzer* #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

Start the new year with the January 2026 Recall, featuring five episodes focused on the topic of AI in neurology. The episode begins with Dr. Stacey Clardy talking with Stephen Marche about the evolving topic of natural language processing and its impact on neurology and everyday life. The episode leads into a conversation with Drs. Halley Alexander and Sándor Beniczky discussing the use of AI to accurately interpret routine clinical EEG. The conversation continues with Drs. Trey Bateman and David T. Jones discussing the use of FDG-PET imaging and machine learning to improve diagnostic accuracy. The episode transitions into a discussion between Dr. Andy Southerland and Dr. Adam Rodman regarding the implications of LLMs in clinical reasoning and diagnostics. This month's Recall concludes with Dr. Stacey Clardy reflecting on how AI is shaping multiple aspects of life, including podcasts. Podcast links: What Natural Language Processing Could Mean for Careers in Neurology and Publications Artificial Intelligence Interpretation of EEG FDG-PET-Based Machine Learning Framework to Support Neurologic Decision-Making Superhuman Performance of a LLM on the Reasoning Tasks of a Physician Podcasting in the Age of AI Article links:  The College Essay Is Dead Automated Interpretation of Clinical Electroencephalograms Using Artificial Intelligence An FDG-PET–Based Machine Learning Framework to Support Neurologic Decision-Making in Alzheimer Disease and Related Disorders Superhuman Performance of a Large Language Model on The Reasoning Tasks of a Physician A Phase-2B Double-Blind Randomized International Prospective Trial of Inebilizumab in NMDAR Encephalitis: The ExTINGUISH Trial Disclosures can be found at Neurology.org. 

Learn how the stories we tell and hear shape our relationships, values, and sense of belonging.Summary: Storytelling is more than entertainment. It shapes how we think, feel, and relate to others. In this episode of The Science of Happiness, we dive into how immersive narratives calm stress, inspire reflection, and foster compassion across differences. We also explore how stories of resilience, joy, and tradition leave lasting impressions that influence our relationships and sense of self.How To Do This Practice: Choose a meaningful story: Bring to mind a personal memory, family tradition, or moment that carries emotion, care, or learning. Settle the body first: Take a few slow breaths and notice your posture, helping your nervous system feel steady and present. Recall sensory details: Gently remember what you saw, heard, smelled, or felt in the moment, letting the story come alive without forcing it. Notice what matters: As the story unfolds, pay attention to themes of connection, care, resilience, or joy that stand out to you. Reflect on its meaning: Ask yourself what this story has shaped in you—how it influences your values, relationships, or sense of belonging. Share or carry it forward: If it feels right, share the story with someone you trust, write it down, or hold it quietly as a reminder of connection and continuity. Scroll down for a transcription of this episode.Today's Guests:SAFA SULEIMAN is an elementary school teacher and author of the new children's book Hilwa's Gifts. Learn more about Safa here: https://www.safasuleiman.com/MELANIE GREEN is a social psychologist at the University at Buffalo who has published widely on narrative persuasion and the power of storytelling.See more on Melanie's work here: https://tinyurl.com/e5fd8bu5Related The Science of Happiness episodes:  How Thinking About Your Ancestors Can Help You Thrive: https://tinyurl.com/4u6vzs2wAre You Following Your Inner Compass: https://tinyurl.com/y2bh8vvjHow To Show Up For Yourself: https://tinyurl.com/56ktb9xcRelated Happiness Breaks:A Meditation on Love and Interconnectedness: https://tinyurl.com/ye6baxv3Our Deep Interconnectedness: https://tinyurl.com/jthxkpjdPause to Look at the Sky: https://tinyurl.com/4jttkbw3Tell us about your experience with this practice. Email us at happinesspod@berkeley.edu or follow on Instagram @HappinessPod.Help us share The Science of Happiness! Leave us a 5-star review on Apple Podcasts and share this link with someone who might like the show: https://tinyurl.com/2p9h5aapTranscription: https://tinyurl.com/2tkvdyr8

Take a few minutes to reflect on someone who inspires you, and how you can embody the values you admire in them.You can also listen to this episode in Spanish here: https://tinyurl.com/4rjmambmHow To Do This Practice: Find a quiet moment and settle your body: Sit or stand somewhere you feel safe and comfortable. Take a few slow breaths and let your body soften, releasing the noise of the day. Bring to mind someone who embodies “moral beauty”: Think of a person whose kindness, courage, humility, or integrity has genuinely inspired you. Choose one specific moment when their character moved you. Visualize an act that inspired you: Recall exactly what the person did. Picture the scene, their actions, their choices. Notice why this moment stood out as meaningful or brave or good. Notice how your body responds: As you hold this image, tune into your body: warmth, openness, tenderness, or even tears. Allow yourself to feel the emotional impact of their moral beauty. Reflect on why this matters to you: Ask yourself: What does this moment reveal about the values that matter most to me? What purpose does it awaken? What did this person teach me about how I want to live? Choose one small aligned action for today: Identify one thing you can do—big or small—that expresses the value or purpose this person embodies. Carry that intention with you into the rest of your day. Scroll down for a transcription of this episode.Today's Happiness Break Guide:DIANA PARRA is professor at Washington University in St. Louis, Missouri. She is also a registered mindfulness and yoga teacher who focuses on sharing these practices with the Latino immigrant community in St Louis.Learn more about Diana Parra's work: https://tinyurl.com/4acc7nsvRelated Happiness Break episodes:Loving Kindness Meditation: https://tinyurl.com/2kr4fjz5How to Do Good for the Environment (And Yourself): https://tinyurl.com/5b26zwkxRelated Science of Happiness episodes:Why We Should Seek Beauty: https://tinyurl.com/yn7ry59jWe want to hear from you! Take our quick 5-minute survey to tell us what you love, what you want more of, and how we can make the show even more inspiring and useful. Everyone who completes the survey can enter a drawing to win a copy of The Science of Happiness Workbook: 10 Practices for a Meaningful Life. Click the survey link in the show notes wherever you're listening, or go directly to: https://tinyurl.com/happyhappysurvey. Thank you for helping us make the podcast even better!Follow us on Instagram: @ScienceOfHappinessPodWe'd love to hear about your experience with this practice! Share your thoughts at happinesspod@berkeley.edu or use the hashtag #happinesspod.Find us on Apple Podcasts: https://tinyurl.com/2p9h5aapHelp us share Happiness Break! Leave a 5-star review and share this link: https://tinyurl.com/2p9h5aapTranscription: https://tinyurl.com/4945b59w

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture The UK temps for the green new scam are fake, the manipulated the data to push the scam, it has now been exposed. Fake news has no choice to tell the people that the economy has been improving. Trump is getting to move the economic system to the new system which will include sound money. The [DS] is now using everything they have to stop the Trump and his team. Judges are now dictating that the President doesn’t have the authority to remove someones security clearance. The Supreme Court just set the stage for Trump to use the insurrection act when the enemy pushes the insurgency. Never interfere with an enemy while they are in the process of destroying themselves. Economy https://twitter.com/ScottAdamsSays/status/2003668549857055223?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");   uncertainties of 2°C to 5°C. That’s not a typo – 5 degrees Celsius of potential error. Only 19 pristine Class 1 sites remain capable of measuring actual ambient air temperature accurately. The rest? Located on airport runways, walled gardens, next to main roads, and inside solar farms. Places where concrete, engines, and infrastructure create artificial heat islands that have nothing to do with atmospheric temperature changes. The Met Office database also contains data from over 100 stations that don’t exist. They’re using “estimated” temperatures from unidentified neighboring stations and presenting it as real data. When journalist Ray Sanders started asking questions through Freedom of Information requests, the Met Office dismissed them as “vexatious” and “not in the public interest.” After media inquiries, the Met Office quietly removed estimated data from 3 non-existent stations. Of 17 new sites opened since April 2024, nearly 65% were immediately placed in the worst quality categories. UK Science Minister Lord Patrick Vallance is calling scrutiny of this mess “misinformation” that weakens trust in science. Perhaps what actually weakens trust in science is using temperature readings from imaginary thermometers next to jet engines to justify trillion-pound Net Zero policies that reshape the entire economy. The data might be fine for tomorrow’s weather forecast. Using it to revolutionize Britain’s energy infrastructure? That requires stations that actually exist. https://twitter.com/RNCResearch/status/2003537920624677163?s=20 https://twitter.com/JeffPasquino/status/2003667251426197766?s=20   dollars” already – language and words are important – but this time the difference will be to the benefit of stablecoin holders. “But if it is pegged to the dollar, why will it matter?” you might wonder. That's a great question. The difference will be that today's bank accounts are in Federal Reserve “dollars”, which are debt-based, inflationary and losing value at a rapid pace. The new digital dollar stablecoins will be backed by gold or other assets (yet to be defined, but it's clearly how they're heading) and the purchasing power will go up. This is the first step out of the debt-based system enslaving most Americans – and by extension of the world reserve currency, most everyone in the Western world. People will eventually see that the asset-backed “digital dollar” is far superior to the Federal Reserve dollar. Once noticed, stablecoin dollars will be hoarded while Fed dollars will flood the market (Gresham's Law). No one will want the dying dollar -or any debt denominated in it – and much like the rise of gold and silver now against the Fed dollar, the digital dollar will also rise in value. Then everyone will transition, by choice, to an asset-backed currency without even knowing why they want those new dollars – they will just know that they hold value better. In other words, the “digital dollar” will actually be a store of value – evidence that it is actual money, not just a currency. Fix the money, fix the world. Political/Rights https://twitter.com/amuse/status/2003631214939218223?s=20   amounts to a green light for radical activists already attacking federal officers to escalate. The incident has triggered mounting calls for Frey to resign. https://twitter.com/libsoftiktok/status/2003595914582364475?s=20 https://twitter.com/EndWokeness/status/2003559651586286006?s=20 https://twitter.com/TheSCIF/status/2003513211757134259?s=20   social media. No corroboration exists, no limo driver testimony, no Oklahoma death matching description. This story was a distorted version of another hoax that was debunked years ago. They are desperate and have nothing, and they know it and resort to literal A.I. pictures and confirmed hoaxes that have been debunked YEARS ago in an attempt to slander Trump because they are paid to and lie right TO YOUR FACE. You better wake up and stop listening to people who are paid to lie to you and telling you to stop asking questions. The truth ALWAYS prevails. https://twitter.com/TheSCIF/status/2003773196210692274?s=20  claimed he knew the 2nd Oklahoma City bomber. There was NO collaboration, NO limo driver testimony, and NO deaths in Oklahoma that even matched any real deaths. And they always pop up right before an election. Even the whole Trump on Epstein’s plane drama. YES, Trump never was on the Lolita Express. Epstein owned 5 aircraft. Trump took 7 trips between 1993 and 1997. Never with any underage girls or women, only family. Epstein didn’t even own the island until 1998. The flight logs have been out. They’re just recycling old information and acting like it’s new. How naive can you be? And how lame can you be for posting it? You’re not a journalist. You’re a fraud. The mainstream and every account pushing these lies didn’t verify their claims and authenticity before posting? Or did they know and were just hoping YOU wouldn’t check to push a false narrative? DOGE https://twitter.com/CynicalPublius/status/2003500113680085072?s=20 Geopolitical Disgraced Former Prince Andrew Stripped of His Gun License, Can Only Use Firearms Under Supervision Andrew had his gun license stripped by Met police. The hunter becomes the hunted. For his long association with the late convicted sex offender Jeffrey Epstein, Andrew Mountbatten Windsor is facing a long list of repercussions that seem to have no end. Now, the avid hunter has surrendered his firearms license to the Met Police – the same police force who dropped the investigation into his alleged crimes. The Telegraph reported: “The former Duke of York, 65, agreed to give up his firearms and shotgun certificates last month after he was visited by the Metropolitan Police at Royal Lodge in Windsor.   Andrew in Sandringham on the lap of five redacted women – presumably Epstein victims. Daily Mail reported:   Source: thegatewaypundit.com https://twitter.com/RobSchneider/status/2003720679892615609?s=20 https://twitter.com/MarioNawfal/status/2003737409440350530?s=20   commissioner who crafted Europe’s Digital Services Act, basically a censorship framework disguised as content moderation. Imran Ahmed of the Center for Countering Digital Hate is also on the list. He had a very specific mission. Want to know what his organization’s annual priorities were? Internal documents show “Kill Musk’s Twitter” at the top of the list. Not “reduce hate speech” or “improve online safety.” Kill Twitter. Destroy the platform entirely because Elon wouldn’t play ball with their censorship demands. These groups operated by labeling anything they disagreed with as “misinformation” or “hate speech,” then lobbying governments to force platforms to remove it. Clare Melford’s Global Disinformation Index used U.S. taxpayer money to create scoring systems that effectively blacklisted conservative American news outlets, steering advertisers away from them to financially strangle speech they opposed. Breton personally sent threatening letters to Elon warning of consequences under EU law right before his live interview with Trump during the campaign. Now the banned activists are claiming this is an “authoritarian attack on free speech” and calling it “immoral, unlawful, and un-American.” These are the same people who built entire careers pressuring tech platforms to silence voices they found problematic. Suddenly they care deeply about censorship when it affects them. Free speech isn’t negotiable. It’s not something governments should regulate away because certain viewpoints make them uncomfortable, whether in Europe or America. The U.S. just made clear that exporting censorship regimes to silence American speech won’t be tolerated  https://twitter.com/UnderSecPD/status/2003567940462084439?s=20 https://twitter.com/DNIGabbard/status/2003635821719466479?s=20 regulate or silence our free speech is a gross violation of our sovereignty that must be answered with accountability. Thank you, @UnderSecPD . https://twitter.com/amuse/status/2003641415465566593?s=20 to end their relationship with Denmark. https://twitter.com/CynicalPublius/status/2003571566131704124?s=20 War/Peace https://twitter.com/visegrad24/status/2003760225774444924?s=20  Russia has explicitly rejected the following point by insisting on stricter terms: Point 14 (Territorial issue): Russia rejects Ukraine’s proposal to “stay where we are” in Donetsk, Luhansk, Zaporizhzhia, and Kherson regions, demanding instead a full Ukrainian withdrawal from the Donetsk region.    No other specific rejections from Russia on the new 20-point plan have been confirmed yet, as Moscow is still formulating its official position.  The US has reached consensus with Ukraine on most points but has rejected or disagreed with Ukraine’s proposals on the following, offering alternatives instead: Point 12 (Zaporizhzhia Nuclear Power Plant): The US rejects Ukraine’s option for joint US-Ukraine management on a parity basis, proposing trilateral management (involving the US, Ukraine, and likely Russia) with a key role for the American side.   Point 14 (Territorial issue): The US has not fully agreed to Ukraine’s “stay where we are” principle, proposing a compromise in the form of a free economic zone, potentially subject to a Ukrainian referendum if no other agreement is reached.  These disagreements were highlighted by Zelenskyy himself as areas where no consensus was reached with the US.  Medical/False Flags [DS] Agenda https://twitter.com/amuse/status/2003629130516955478?s=20  inside the department. She was promoted to lead the EMS in 2019 but by 2022 she was forced to retire. The FDNY is a complex organization of 17,000 employees who need a qualified leader, not a diversity hire. https://twitter.com/WallStreetApes/status/2003615869008814124?s=20   realtor confirms Somalians have bought over 455 homes just in one neighborhood alone. The Somalians have nice cars like BMWs and Mercedes @Brookerteejones “Here in Minnesota, a local realtor reached out to me to tell me about another way that Somalians are scamming Minnesotans out of their taxpayer dollars. In her community alone, Somalians have bought up over 455 homes. They buy these homes claiming they’re turning these homes into home health care centers. She says the way we know Somalians have bought these homes is because all of a sudden extremely nice cars start showing up. Mercedes, BMWs, the nicest cars are parked in the driveway. She said, by law, the state will not come out and inspect these homes and make sure these homes even have clients living in these homes. — Somalians have bought that home and they’re using that as a home health care center. She said these homes can even take people in who’ve just been released from jail and the neighborhood does not need to know about this. But she says, many of these homes do not even have clients in them. But the state is writing them checks every month for the clients that the Somalians say are in these homes. These Somalians are making millions of dollars off of these homes every year.” “The Somalians have figured out exactly the perfect plan as to how to scam Minnesota taxpayers out of their money. They are banking on this making millions of dollars and the government here in Minnesota is too lazy to go and check it out and to see if there’s even clients living in these homes. The fraud in Minnesota is so deep” https://twitter.com/C_3C_3/status/2003104576766140813?s=20 Democrats from Minnesota, Ohio, Maine, and Boston Embrace Somalians Democrats across the country are praising and supporting Somali migrants, despite growing evidence of massive anti-social fraud by the foreign arrivals. As millions of dollars in more fraud and theft of state and federal welfare funding are uncovered in Ohio, Minnesota, and other places committed at the hands of Somali migrants, democrats are falling all over themselves to show their unmitigated support for the fraudsters. Source: thegatewaypundit.com President Trump's Plan  https://twitter.com/MikeBenzCyber/status/2003550668796350710?s=20 JUST IN: Biden Judge Blocks President Trump's Attempt to Strip Security Clearance From Deep State Lawyer Mark Zaid https://twitter.com/C_3C_3/status/2003674593995944077?s=20 US District Judge, Amir Ali, said Trump's attempt to strip the security clearance from Mark Zaid may violate the US Constitution. Recall that Mark Zaid represented Eric Ciaramella, the Trump-Ukraine impeachment ‘whistleblower.' Zaid also represents intelligence officials and other Deep State actors. Earlier this year, President Trump stripped the security clearances of at least eight corrupt ‘antagonists' who worked for Biden or targeted him for ruin over the last several years: Former Secretary of State Antony Blinken Former NatSec Advisor Jake Sullivan New York Attorney General Letitia James Manhattan DA Alvin Bragg Biden's Deputy AG Lisa Monaco Corrupt prosecutor Andrew Weissmann Deep State lawyer Mark Zaid Norm Eisen – the man behind all the lawfare against Trump Source: thegatewaypundit.com Jamie Raskin Reintroduces Radical “Ranked-Choice Voting” Scheme Ahead of Midterms in Latest Bid to Rig Future Elections Radical left-wing Jamie Raskin is once again pushing a sweeping overhaul of America's voting system, this time by reintroducing a federal mandate for so-called “ranked-choice voting” (RCV) just as the country barrels toward another high-stakes midterm election cycle. Raskin posted a video on X on Monday, pitching ranked-choice voting as a cure-all for American politics. The video was released after he reintroduced H.R. 6589, a bill that would mandate ranked-choice voting in elections for the U.S. House and Senate nationwide. Under the system, voters rank candidates in order of preference. If no candidate receives a majority of first-choice votes, the lowest vote-getter is eliminated and ballots are “redistributed” to remaining candidates until someone crosses the 50 percent threshold. Raskin even praised races where candidates who finished second in the first round ultimately “catapulted ahead” after vote redistribution. In Alaska, where RCV flipped a Republican seat to Democrat Mary Peltola despite 60% of voters backing GOP candidates, the system exhausted ballots and ignored second choices for top vote-getters. In New York, socialist Zohran Mamdani led on election night with 43.5% of first-choice votes, but after several rounds of eliminations and redistributions, he was declared the winner with 56%, while Andrew Cuomo finished with 44%. A study of Maine elections found that, of 98 recent ranked choice elections, 60 percent of the victors did not win by a majority of the total votes cast. RCV opens doors to fraud and manipulation. The multi-round tabulation delays create gaps ripe for accusations of tampering, while exhausted ballots mean winners often lack true majority support. Sites like RCVScam.com expose how it lets initial also-rans steal victories, undermining “one person, one vote.” In 2025 alone, Idaho, Missouri, Montana, New Hampshire, Oklahoma, and South Carolina prohibited ranked-choice voting, joining 11 other states for a total of 17 bans. It is a scam, and Americans should push back hard. Source: thegatewaypundit.com  Supreme Court Rejects Trump Bid To Deploy National Guard In Chicago The Supreme Court on Tuesday rejected Trump’s emergency request to allow National Guard troops to be deployed in Chicago, dealing a setback to the admin’s attempts to curtail high crime rates in major cities. The 6-3 decision left in force a judge's ruling that has blocked the deployment since Oct. 9. “At this preliminary stage, the government has failed to identify a source of authority that would allow the military to execute the laws in Illinois,” the majority said. The government hadn't shown the president could legally “federalize the Guard in the exercise of inherent authority to protect federal personnel and property in Illinois.”   Justice Samuel Alito dissented from the high court's ruling Tuesday, saying he had “serious doubts” about the majority's reasoning. “The Court fails to explain why the President's inherent constitutional authority to protect federal officers and property is not sufficient to justify the use of National Guard members in the relevant area for precisely that purpose,” Alito wrote, joined by Justice Clarence Thomas. Justice Neil Gorsuch wrote a separate dissent, contending that the challengers to the National Guard deployment – the state of Illinois and the city of Chicago – had forfeited the argument about the meaning of “regular forces” by failing to present that issue in the lower courts. Trump contends military force is needed to protect federal immigration agents from what he claims are violent protests.   Source: zerohedge.com https://twitter.com/WarClandestine/status/2003592327244447867?s=20   cause the President to use the US military more than the National Guard”. The Supreme Court just admitted that Trump has the authority to invoke the Insurrection Act to bypass Posse Comitatus and send the troops to Chicago, and any other city he wants. Trump tried to exhaust every legal avenue possible before resulting to the Insurrection Act, but the Dems resisted and refused to cooperate. Sounds to me like Trump just got the green light. INVOKE THE INSURRECTION ACT! https://twitter.com/WarClandestine/status/2003681206148251711?s=20  THAT'S the hard part. Especially when the MSM are compromised and telling the public that Trump is literally Hitler and is going to unleash a military dictatorship. This had to be done delicately, as not to cause panic. The public must be psychologically prepared. That's why Trump has been giving us soft disclosure about the Insurrection Act for a long time. They have been mentally preparing us for what they knew had to be done, by showing us why it needed to be done. Here he is back in September addressing all his Generals, and reminded them how Washington and Lincoln used the military to keep the peace. This was always the plan. https://twitter.com/WhiteHouse/status/2003586519374717151?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");