Podcasts about rehabilitate

Rehabilitate, renovate the heritage, in sustainability and to decarbonize summarizes the theme of this issue of Com d'Archi treated in 10 minutes! Essential notions for a subject without limits!Like the teaser photo we chose to illustrate this issue, our European Education (cf Romain Gary in the strict sense), is a daring edifice which, so far, has resisted time. It is extremely fragile and yet. Do we really realize how lucky we are to have benefited from this heritage? Day after day in 2023 in France, violence, absurdity, degree 0 of culture, greed, and thirst for power as much as for destruction, punctuate our daily life. What counts is the selfie! And yet, pass through these stupid times of multiple ways full of enthusiasm, as that to rehabilitate our heritages! Because there are no backward-looking people against ideologists! The game of labels does not work. There is just the dose of humanity that we have in our hearts.Anne-Charlotte DepondtImage teaser © imageBROKER : ruins of a church with a barrel vault, castle hill Monolithos, Rhodes, Greece, EuropeSound engineering : Julien Rebours___If you like the podcast do not hesitate:. to subscribe so you don't miss the next episodes,. to leave us stars and a comment :-),. to follow us on Instagram @comdarchipodcast to find beautiful images, always chosen with care, so as to enrich your view on the subject.Nice week to all of you ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

This week, I sat down once again with the one and only Tabitha Farrar—eating disorder recovery coach, author, and all-round truth-teller—to talk about how to actually rewire negative body image.Tabitha's just released a powerful new book called “Fried Eggs and Thunder Thighs” (yes, you read that right!) and it dives deep into the root of negative body image and how to teach your brain a different story.In this conversation, we explored: • Why negative body image is not your fault—and definitely not your truth • How your actions teach your brain more than your thoughts ever will • What to do when shame shows up • How to respond when someone does comment on your body • Why being “recovered” doesn't automatically mean you'll love your body—and what to do about itWe also talk about her newly rewritten version of Rehabilitate, Rewire, Recover and why she decided to go back and make it even more bold, honest, and helpful.This is a must-listen if you: • Still struggle with body image even after recovering from disordered eating • Want to feel more free and confident in your body, regardless of size • Are tired of being controlled by negative thoughts or shame • Are curious about how emotions like guilt and disgust are actually tools your brain uses—and how to take your power backIn this episode, we get real about: • How to act “as if” you love your body (even when you don't yet) • The difference between your brain and your mind—and why that matters • Why it's not about waiting to feel better before you take action • The fastest way to rewire body image beliefs • What I do when my own brain throws shame my wayResources mentioned:

Author Carol Foote introduces us to the book Trouble Dog: From Shelter Dog to Conservation Hero. Learn more about the book or order your copy at CarolAFoote.com. Find out how some of the high energy, intense dogs in shelters can become a detection dog at Rescues2theRescue.org and check out Working Dogs for Conservation wd4c.org.From the Dog Words archives:0314: Scent Detection Dogs with Julianne UbigauThis year's Pooch Playoffs is already a great success but you can help us do even better by visiting BigfootPetPhotography.com/PoochPlayoffs2025 to vote starting March 27. There are multiple rounds of voting as dogs advance through the brackets so keep checking in.Music for this episode is provided by alternative string duo, The Wires. Visit them at TheWires.info. Learn fiddle and cello-fiddle online — even if you've never played before — from Laurel Morgan Parks and Sascha Groshang at FiddleLife.com.Make a donation at RosieFund.org or through our Facebook page. You can contribute by making a purchase from the store on our website or buying a t-shirt at Bonfire.com. Also check out our page on BarkYours, the online mall with gifts for people who love their dogs.Rosie Fund online:RosieFund.orgFacebook.com/rosiefundInstagram.com/rosiefundYouTube.com/rosiefund

Assessing the contamination of Ukrainian agricultural lands impacted by remnants of war and exploded ordnances is a central part of the high-risk job of Tiphaine Lucas, programme coordinator for the Mine Action and Land Rehabilitation Initiative of the Food and Agriculture Organization of the United Nations (FAO) in Ukraine. In this in-depth interview, Lucas explains the essence of her work in a country that used to produce sufficient grain and other food products to feed 400 million people globally. She also describes the challenges of female scientists working near the frontline. Producer: Heriberto Araujo Presenter: Ruki Inoshita Sound: Eric Deleu Editorial supervision: Blagoje Grujic

The Solve It! for Kids Science Podcast is on Holiday Break. We have compiled a few clips from favorite shows highlighting flying creatures for you to enjoy. They come from the following: Episode 106 How Do We Know the Dinosaurs Could Fly? with Dr. Jingmai O'Connor Episode 205 How do Birds Fly? with Alex Troutman Episode 223 How Do you Rehabilitate a Bald Eagle? with Marge Gibson   If you enjoy these, go back and listen to the whole podcast! Jennifer and Jeff wish you a very Happy Holidays!     #sciencepodcast #sciencepodcastforkids #sciencecareeers #stem #stemcareers #stempodcastforkids #womeninstem #podcast Every episode of this award-winning science podcast for kids takes you behind the scenes of a scientist, engineer, or expert's daily job. Packed with fun facts, intriguing information, and lots of laughs, this podcast aims to educate as well as inspire. The best part is that each episode gives our listeners a challenge to learn more. T Find more information on our website: www.solveitsciencepodcastforkids.com  (https://www.solveitsciencepodcastforkids.com) Follow us on: Facebook https://www.facebook.com/KidsSolve Instagram https://www.instagram.com/kidssolve  

Listener Ben's undergraduate GPA is being dragged down by some AP classes that he took in high school. The guys suggest a way for Ben to rehabilitate his GPA. Read more on our website!Email daily@lsatdemon.com with questions or comments.Watch this episode on YouTube.

TRIGGER WARNING: Mentions of rape and sexual assaultHello friends!This week Emma covers the case of Joyce Quinn. 44 year old Joyce offered a lift home to Kenneth O'Reilly who raped and murdered her in The CurraghWe would just like to extend our sincerest sympathies to Joyce's Husband, Ray and her children Nicole, David and LisaInterview begins at 25:45As always it's Free PalestinePicture 1: Joyce QuinnPicture 2: Joyce and Ray QuinnPicture 3: Ray in 2016If you are affected by any of the topics we discuss in this episode here are some support services:Dublin Rape Crisis Center: 1800 77 8888Samaritans: 116 123Womens Aid: 1800 341 900Mens Aid: 01 554 3811 Free Text "Hello" to 50808References:https://www.irishtimes.com/life-style/people/2022/07/29/19-women-died-violent-deaths-in-ireland-in-1996-joyce-quinn-was-the-first/https://www.irishtimes.com/crime-law/courts/2023/03/25/husband-of-murdered-woman-relieved-as-killer-refused-parole-27-years-later/https://www.irishtimes.com/life-style/people/2022/07/29/19-women-died-violent-deaths-in-ireland-in-1996-joyce-quinn-was-the-first/https://www.leinsterleader.ie/news/home/638715/joyce-was-as-perfect-as-you-can-get-in-this-world-husband-of-murder-victim-tells-tv-documentary.htmlhttps://www.tg4.ie/en/player/categories/top-documentaries/play/?pid=6257949121001&title=Joyce%20Quinn&series=Mar%C3%BA%20in%C3%A1r%20Measc&genre=Faisneis&pcode=600935https://www.independent.ie/irish-news/we-never-want-to-cross-his-path-husband-of-murdered-mum-of-three-wants-killer-banned-from-kildare-on-release/36579731.htmlhttps://www.independent.ie/irish-news/they-didnt-know-if-it-was-rape-or-necrophilia-so-they-didnt-proceed-with-sex-charge-husband-of-murdered-joyce-quinn/34950892.htmlhttps://www.thesun.ie/news/10457287/relieved-wife-joyce-quinn-killer-prison-husband-kenneth-oreilly/https://www.irishtimes.com/news/verdict-likely-today-in-trial-of-man-accused-of-murdering-girl-1.67109https://www.irishtimes.com/news/hundreds-attend-quinn-funeral-1.26135

Glenn Funk balances safety and social justice in his role as Nashville District Attorney.  The Nashville District Attorney was sworn in nearly a decade ago. Nashville's daily prison population is about half of what it was before he took office.  The second term elected official says reducing incarceration increases rehabilitation and saves metro money — $45 million a year by his estimate. Funk discusses some positive legislative changes from the 2024 session, including Jillian's Law, homelessness and much more in this episode of Climbing the Charts.     

Some people help others overcome their urge to steal through research and understanding, while others draw from personal experience. Meet a Yale psychiatry professor specializing in impulse control disorders like kleptomania. We'll also hear from a therapist and a coach who were once addicted to stealing themselves and are now dedicated to helping others overcome this compulsion. Resources: If you're struggling with any mental health issues, you can always call the Substance Abuse and Mental Health Services Administration (SAMHSA). Their free, confidential helpline is open 24/7 in English and Spanish at 1-800-662-HELP (4357). CASA (Cleptomaniacs and Shoplifters Anonymous, LLC) - a self-help group founded by Terrence Shulman Suggested episodes: Anorexia is complex. Two people talk frankly about their decades-long journeys Full house: The line between collecting, clutter, and hoarding disorder Fighting for truth: The struggle to overcome pathological lying Faking it: Munchausen syndrome and the compulsion to be ill GUESTS:  Dr. Marc Potenza: Steven M. Southwick Professor of Psychiatry and Professor in the Child Study Center and of Neuroscience. His research has focused on the neurobiology and treatment of addictions and other disorders characterized by impaired impulse control Tabitha Farrar: Developed anorexia nervosa and kleptomania as a teenager. She is the author of many books, including, Rehabilitate, Rewire, Recover!: Anorexia recovery for the determined adult Terrence Shulman: Author, lawyer, licensed clinician, and founder of The Shulman Center for Compulsive Theft, Spending & Hoarding. He is the founder of the support group, Cleptomaniacs And Shoplifters Anonymous, and CEO of unsteal.org, a website that helps people send money back to stores they've stolen from  Support the show: https://www.wnpr.org/donateSee omnystudio.com/listener for privacy information.

Prince Harry left the royal fold in 2020, and as the Duke of Sussex builds a life for himself in the U.S., sources claim he wants to “rehabilitate” his image in the U.K. despite his ongoing security concerns. Listen here and learn more at OKmagazine.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Bald eagles are beautiful and majestic creatures and they are our national bird. So what happens when one becomes injured? Awesome organizations like Raptor Educational Group, Inc., or REGI, are there to help. Today we are delighted to welcome Marge Gibson, founder and director of REGI, to discuss how her team works with these eagles to rehabilitate them and reintroduce them into the wild if that is possible.  #sciencepodcast #sciencepodcastforkids #sciencecareeers #stem #stemcareers #stempodcastforkids #womeninstem #podcast Every episode of this award-winning science podcast for kids takes you behind the scenes of a scientist, engineer, or expert's daily job. Packed with fun facts, intriguing information, and lots of laughs, this podcast aims to educate as well as inspire. The best part is that each episode gives our listeners a challenge to learn more. This week's challenge is to think about three things in the world that will make a difference to YOU.  Find more information on our website: www.solveitsciencepodcastforkids.com Follow us on: Facebook @ kidssolve  Instagram @kidssolve   X @kidssolve 

In this Convo of Flanigan's Eco-Logic, Ted speaks with Andy Lipkis, Founder of TreePeople, who served as President for five decades. He is currently a Project Executive at Accelerate Resilience LA (ARLA). Andy is a pioneer of urban and community forestry, urban watershed management, and urban climate resilience, dedicating his life to healing the environment while improving the lives of individuals and communities.Andy grew up in southwest LA and began planting trees to rehabilitate smog and fire damaged Los Angeles–area forests when he was 15 years old. At 18, he founded TreePeople, bringing together people, trees, and forest-inspired ‘green infrastructure' to protect cities against droughts and floods, prevent water and air pollution, and mitigate and adapt to climate change. Andy served as a consultant to the City of Los Angeles as a program planner and public engagement and education facilitator. TreePeople's work in LA provided a model for environmental, economic, and social sustainability in cities everywhere. He created a greener future for Los Angeles by inspiring people, along with their local governments, to plant and care for trees and harvest and conserve the rain. Since its founding, TreePeople volunteers have been responsible for the planting of more than 2 million trees and counting. Its environmental education program reaches more than 200,000 students per year, with millions of children touched over the decades.With climate change impacts already creating a chronic emergency for cities around the world, Andy's work has demonstrated promising new ways for individuals, communities and government agencies to collaboratively reshape urban tree canopy and water infrastructure to save lives and grow a more livable future. After retiring from TreePeople in 2019, Andy launched Accelerate Resilience LA, a fiscally sponsored project of Rockefeller Philanthropy Advisors to inspire and enable people and local governments to equitably accelerate climate resilience in Los Angeles.He shares with Ted that his personal mission is to inform, inspire, engage, and support people and communities to participate in restoring the healthy functioning of an ecosystem so it can abundantly provide life support services. He highlights the power of individuals and communities to make a positive impact, and the great need that exists to heal our environment. He and Ted discuss the numerous programs that increased citizen involvement in urban tree planting and care, which led him to being recognized by Johnny Carson.

what we can and can't fix

Retired NYPD inspector Paul Mauro joins Fox Across America With Jimmy Failla to provide insight on what he saw during a visit to the site where former President Trump was nearly assassinated in Butler, Pennsylvania earlier this month. Jimmy shares his reaction to Secret Service Director Kimberly Cheatle's resignation, and tells us why this should have happened right after the assassination attempt against Trump. Former Michigan GOP gubernatorial candidate Tudor Dixon talks about how the Democratic Party elites are already coalescing around Vice President Kamala Harris. PLUS, Fox News Digital Political Correspondent & Reporter Brooke Singman stops by to recap her experience covering the Republican National Convention in Milwaukee. [00:00:00] Kamala Harris now has enough delegates to be Democratic nominee [00:38:04] Cheatle resigns as Secret Service Director [00:48:10] Paul Mauro [00:56:30] Tudor Dixon [01:14:50] Harris running mate search latest [01:33:13] Brooke Singman Learn more about your ad choices. Visit megaphone.fm/adchoices

 We chat with author Jim Bellano to discuss his new book “Fond Memories From the Forgettable Decade: A Sports Fan's Attempt to Rehabilitate the 1970s”. Jim talks about how he as a New York kid became a huge fan of the Steelers and Pirates, and we get into some of the great memories from that era.Find Jim's book here:Amazon | Barnes & NobleFind Pittsburgh sports gear and support the show at Fanatics!Connect with the show:Visit us on the webFollow us on TwitterFollow us on FacebookSend us a Text Message.

CBS News is taking an inside look at California's prison initiative that prioritizes rehabilitation over traditional incarceration for general population prisoners. The initiative offers inmates who demonstrate good behavior programs from theory to sign language classes to coding.AAA is predicting nearly 71 million Americans will travel 50 miles or more during the nine-day travel period around the 4th of July, which is up 5% from last year. Among the top destinations are London, Rome, Alaska, Hawaii and Anaheim, California.While the rainbow pride flag has become an iconic symbol for the LGBTQ+ community, the full story behind its creation has remained largely untold. CBS News Correspondent Elise Preston sits down with Lynn Segerblom, one of the creators of the pride flag, who shares her personal story and takes a look at how the colorful symbol of hope has evolved over the years.The St. Louis Cardinals will play the San Francisco Giants tonight at Rickwood Field in Birmingham, Alabama, honoring baseball's Negro Leagues. Rickwood, the oldest ballpark in America still in use, was once home to the Birmingham Black Barons, where a young Willie Mays played over 75 years ago.As egg-freezing costs soar, some young women are turning to a new program offering free egg freezing in exchange for donating half their eggs.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Plus, Dawn started a new walking challenge and we're going magnet fishing? Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Plus, Dawn started a new walking challenge and we're going magnet fishing? Learn more about your ad choices. Visit megaphone.fm/adchoices

You can get financially free twice as fast with the BRRRR Strategy instead of buy-and-hold. But it's less passive. BRRRR stands for: Buy, Rehabilitate, Rent, Refinance, and Repeat.  You can get an infinite return this way, by generating yield with none of your own money left in the deal. Learn how to obtain BRRRR financing from Caeli Ridge, President of Ridge Lending Group. The LTVs are 70%, 75%, or 80% depending on the property and financing type. RidgeLendingGroup.com specializes in helping investors buy income property. Resources mentioned: For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:00) - Welcome to GRE. I'm your host, Keith Weinhold. The real estate BRRRR strategy is a shortcut to growing your wealth. But it's less passive than buy and hold with a property manager. Learn what is the Burr strategy and then about some of its pros and cons, mistakes you must avoid and financing programs available, and how it can generate infinite returns for you today and get rich. Education.   Robert Syslo (00:00:28) - 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 Reinhold writes for both Forbes and Rich Dad Advisors, and delivers a new show every week. Since 2014, there's been millions of listeners 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.   Robert Syslo (00:01:02) - Phone apps build wealth on the go with the get Rich education podcast. Sign up now for the get Rich education podcast or visit get Rich education.com.   Corey Coates (00:01:13) - 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 (00:01:30) - Welcome from Bridgeport, Connecticut, to Bridgeport, Texas, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get Rich education. Let's Do Good in the world and abolish the term slumlord profiting at the same time by providing housing to others. It's clean, safe, affordable and functional. This is where, you know, on this show, we often tell you how to become financially free through real estate investing in the next 5 to 10 years without having to be a landlord or flipper. We're going to talk about how to shorten that timeline in a moment, but I have a couple resources to share with you. First, one, late breaking development at GRI marketplace that's been popular is in Florida with new builds, brand new construction for plex's duplexes and single family rentals with points paid a 4.25% mortgage rate.   Keith Weinhold (00:02:28) - Yes, 4.25%. You can pay fewer points and still get a 4.75% rate. Also, some good low interest rate deals for foreign nationals. Go ahead and connect with a great investment coach and learn about those at great marketplace.com. For a 4.25% mortgage rate. If you're a Spanish speaker or have Spanish speaking friends, check out get Rich education.com/espanol to see my free video course on how real estate pays five ways in Spanish. It's pretty interesting how our team here has applied AI to show me speak it in Spanish. Again, you can see that at get Rich education. Com slash espanol. Now the BR real estate investing strategy is popular because it can reduce your out-of-pocket expense for property substantially. Let's break it down here. That is the b are are are are. There are four hours after the B which stands for the first B is buy. You buy a distressed property that needs to be fixed up. Then the R's stand for rehab, then rent, then refinance at that higher value, then repeat. More of you have been buying BR property through GRE marketplace.   Keith Weinhold (00:03:52) - Yes, we help you find not just buy and hold properties here, but properties optimized for the BR as well. There are properties that need some work and they are not turnkey, not ready to go with little or no money. In less than three years, you can have a portfolio of 10 to 20 properties with the BR strategy. That's a shortcut, but that does take some work. It's less passive. You're buying distressed property that needs to be fixed up, and you have to be sure that the contractor is getting the work done on time, on budget, and of adequate quality standards. And vetting contractors and dealing with contractors is not easy. I'm going to have a few tips to help you deal with that today, but if you get it dialed in, BR lets you pursue an infinite return strategy where you buy property at a low price, renovated, get it rented, and then refinance it at the higher value. And at times you can get all of your invested cash out on that refinance.   Keith Weinhold (00:05:04) - Well, because a return on investment formula is simply your dollars returned divided by the cash that you have invested in the deal. Well, therefore, if you have no money left in the deal anymore, your return is infinite. Listen carefully. If our guest doesn't do it, then what I'll do is introduce an example here in our conversation for you to get you to help understand the BR. And if this is new to you, this will stretch your thinking somewhat. And then after our break, I'm going to come back and we'll discuss more about any changes to conventional loans for buy and hold investment property. And there's one place that's created more financial freedom through real estate than any other lender in the entire nation. It's time for a big welcome back to their leader, Charlie Rich.   Caeli Ridge (00:06:02) - Hey, Keith. Thank you for having me. It's always a pleasure to be here.   Keith Weinhold (00:06:05) - Well, you know who she is by now. She leads Ridge Lending Group. They're an investor centric lender, and she does such a good, concise job of explaining what real estate investors need to know in optimizing your loan positions.   Keith Weinhold (00:06:18) - And that's why she's here with us again. And, Charlie, rather than just learn about conventional buy and hold loans or refinance loans like we've covered in the past, let's talk about lending for the BR real estate investing method. BR is a method for buying distressed property at a discount. So not turnkey, not fixed up property. Here in BR stands for buy, rehab, rent, refinance and repeat. Now for these loans. Is the lender looking more I guess Charlie maybe we should start with are they looking at the property strength or more at the borrower strength for BR loans?   Caeli Ridge (00:06:54) - Well, first of all, I would say that BR is one of my favorite strategies for real estate investors, especially if they're getting into diversifying their portfolio. I think BR is a very lucrative way to achieve the returns that people are after, not only in appreciation but also in cash flow. You can get some really great leverage in these ROI and ends up being better if you find the right properties. So I'm a big fan of the BR, but to your question, Keith, it depends on what product they're going to elicit for the end loan, for that refinance loan, if we're talking about a conventional loan, Fannie, Freddie and the qualifications are still about the individual and their debt to income ratios, etc. if we're going to put this on a debt service coverage ratio, which it can apply to both, or can, I mean, the strategy does not obligate them to one or the other.   Caeli Ridge (00:07:39) - So we can go conventional where it's still going to be about the individual. Or we can look at more of a debt service coverage ratio, where it's about the income of the property in relation to the mortgage payment.   Keith Weinhold (00:07:48) - And before we go on, of course, identifying a deal is a key here in the BR strategy. Is there any guidance you'd give with identification of that property. Because you might know more from the lender perspective on what's going to be lendable.   Caeli Ridge (00:08:03) - Well, as long as it's habitable, we can lend on it. I would say that you really want to pay close attention to a couple of things. From a lender's perspective, the ARV, right? The after rehab after repair value is the linchpin to all of this. And if you're out there getting your comps from whatever sources, the agent or Zillow or Redfin or whatever it is, the more data that you can gather, the better. But just keep in mind that the ones and zeros that you're probably gaining access to don't necessarily have the components that show all the rehab work that you're putting into it.   Caeli Ridge (00:08:34) - So if you're getting a value of a property like kind property in the area or vicinity that the property is located, it's not always going to attest to what extras you put in, whether it be the hardwoods or square footage or whatever it may be. Just keep in mind that you may not be on point there, and real estate agents, I would want you to have or be working with one that really understands the BR method, aka investor models, to make sure that you don't get caught in a scenario where you're expecting a value of x that comes in at Y, that can be very devastating to the BR methodology, especially for new investors.   Keith Weinhold (00:09:09) - It was more about coming up with the ARV because with a conventional loan on a conforming property, that value that you're lending against is typically the appraisal.   Caeli Ridge (00:09:21) - Correct. And the appraisal is going to take into consideration those rehab pieces. But it's not dollar for dollar. And while I don't know that we want to go down the appraisal rabbit hole, I will tell you that if you've got $50,000 of rehab into the property, that doesn't necessarily mean you're going to get a full 50,000 in extra value.   Caeli Ridge (00:09:38) - A lot of it has to do with what you paid for it. Like Keith, you said at the top of the podcast here, distressed property. A lot of times when people are getting into BR, they're finding under market value property to begin with, that's already worth more. They're putting in some real value adds, maybe cosmetic, maybe a little bit more, and then expecting quite a bit more in value. So there's definitely a science to it. But just make sure that for all intents and purposes, you're gathering as much data as you can. And the agent, if you're using a real estate agent to help with MLS listings, etc., that they have some basis of background within this, this particular philosophy.   Keith Weinhold (00:10:12) - Okay, so we are projecting an RV in after repair value here, and then we need to lend against a percentage of a certain value. So clearly since in this case the property is distressed, well then if the property is the lender's collateral and that collateral is a little, you know, why don't we call it damaged, if you will? Well, then I'm going to speculate that is that lender probably not going to give you as favorable loan terms as they would on a conforming property.   Keith Weinhold (00:10:39) - So tell us more about how those bur loan terms look.   Caeli Ridge (00:10:42) - So you might be surprised. Again, as long as the property is habitable the LTV is going to be the same. The value of the property. It is probably what you're going to notice more than what the lending side is going to allow for in the loan to value. So on a single family residence, if it's habitable, we're going to give the individual up to 75% of that ARV. Now, I don't know if we're ready to go down this road. I think we should talk about it at some point. The ARV and how we want to maximize and not leave any money on the table. We want to discuss the purchase price and the acquisition. I think we'll come to that. But to answer your question, habitable 75% single family or 70% on a 2 to 4 unit is going to be the maximum loan to value using the appraisal. When we talk about a cash out refinance of an investment property, which may be different if we get into a rate and term refinance as a purpose of Bur, which will probably touch on as well.   Keith Weinhold (00:11:36) - What I think for the listener benefit here, maybe it's good to jump into an example if you want to apply some real numbers here to a bird deal, and then let's walk through that with the financing and more.   Caeli Ridge (00:11:48) - Let's start with cash out, because it is different than a rate and term. So cash out simply to clarify means that the individual is going to get cash in hand. We are not simply paying off an existing hard money loan. That is a rate and term refinance. So we want to start with cash out where the cash to acquire the property was the individual sourced and seasoned funds. And let's assume that the scenario looks like this. They paid $100,000 for the property. And then there's $50,000 in renovation with the expectation. Or let's just say that we get an appraisal for 200,000. So at 200,000 and it's a single family residence, 75% of that is 150,000. Okay. So that pretty much covers their total acquisition costs. But then we've got a recommendation.   Keith Weinhold (00:12:28) - Cost is quite.   Caeli Ridge (00:12:29) - Covered. But we have to account for closing costs tax and insurance.   Caeli Ridge (00:12:31) - Let's just make it around ten grand. So the individual is going to end up with 140,000 from their 150 total acquisition cost. If you divide those two numbers, you're probably going to be at what? So 140 divided by 150,000. Yeah, 93% overall leverage. You've got ten grand skin in the game. And when you look at it from that perspective, 93% over all loan to value or leverage of this property is very, very high. If you can get a deal to work like that, you're doing very well.   Keith Weinhold (00:12:59) - And you can see why people like this and why people are attracted to this. So go ahead and tell us more about this. Because really, when we talk about lending for a bigger property, we're probably talking about two different loans, right? We're talking about the purchase price upfront and then the refinancing later on.   Caeli Ridge (00:13:17) - Right. So let's going back to my example. If you paid cash for the property, if that 150,000 was your sourced in season funds. And if you want Keith tell me later and I'll go into what source and season it is.   Caeli Ridge (00:13:28) - But you have 150,000 in on this property. The key to getting up to the maximum of 150 back. Or in our example, you ended up with 140 back because we accounted for ten grand. And in closing, cost is to make sure this is wildly important. And a lot of people get this wrong the first time they go down the Burr road. Make sure both the purchase price and the acquisition costs are listed on your final CD, aka Closing Disclosure. A closing disclosure comes to you at closing, where it's a document, a form that illustrates all of the line item pluses and minuses of the buyer and the seller and what everybody netted at the end. The CD must have the total 150 listed on there, and just one number is fine. It can be broken up into two numbers, whatever. But as long as both numbers are listed on the CD, you as the borrower, our client, her guidelines are eligible to get up to that much back. So the guideline states that the individual cash in hand cannot exceed a maximum of what the total acquisition costs listed on that CD is.   Caeli Ridge (00:14:28) - So what the common mistake is, let's just keep using our 100,000 purchase in our $50,000 renovation. The common mistake that people make is, is that they pay the 100,000, the seller is made whole. And then the day after closing, they are officially now the owner of this property. They send the 50,000 out to the contractor. Seems obvious, right? Well, in doing it that way, you've left 50,000 on the table and now you're going to have to wait 12 months per new guideline to have 12 months of ownership, seasoned ownership for Fannie Freddie to get the total 150. So make sure that the total 150 is on that CD. And the way to do this, just one more little detail. You want to be working with an escrow company that provides something called an escrow hold back. Because a lot of times when I give this advice, people say, well, I don't really want to release $50,000 to the contractor before they even started any of the work, right? That makes sense to me.   Caeli Ridge (00:15:16) - And most escrow companies do this in escrow. Hold back says that the hundred grand goes to the seller. The 50,000 is earmarked for the general contract, you've gotten your bids, etc., but the escrow company will then deliver the 50,000 upon your approval as draws to the contractor as work is being completed. And that kind of absolves that extra layer of risk. But now you've done the appropriate thing for the financing to get maximize your cash out, and you're not leaving yourself in a weird position to frontload 50 grand before you know they've even started on whatever repairs there are.   Keith Weinhold (00:15:49) - Yes. How much motivation does every contractor have if they've already got their 50 K for 50 K worth of work before they do their work? And it works this way a lot in the contracting world, where progress payments are made intermittently as the contractor performs their work. So tell us more about what we need to know here. Clearly, especially when it comes to the Bir and loans, because you just gave us a great mistake to avoid there.   Caeli Ridge (00:16:13) - Kind of keeping on that theme. And then let's talk about a rate and term refinance. You know, some of the pushback that I'll get when I have these conversations. Well, you get your bids. Okay. We'll start talking about the 50,000 renovation per hour example. And you probably get a low and a high and middle. Maybe you go with the middle. It's been my experience personally and just through conversations that the bid is 50,000. If you don't have the upfront conversation to say, I'm not going to pay a cent over the 50,000 and or you negotiate to say, okay, what is our variance here? Because a lot of times the contractor is not going to be pigeonholed to 50,000. They're going back and say, no, I'm not going to sign anything that says that it will not exceed 50,000. There are costs and things that are out of my control, blah, blah, blah. Then coming up with, okay, fine, 55,000, 50, 2000, whatever that margin might be, including that in there and then having the conversation that says, okay, fine, because you don't want to leave that money on the table.   Caeli Ridge (00:17:03) - So let me take a step back. 50,000 becomes 55,000. And if you didn't have it on the CD, that $5,000 is not eligible to get back. So if you increase the amount that's on that CD, per the conversation with your contractor, make sure one of two things that if it isn't spent, that it's coming back to you and assuming if it is, then everybody is on the same page and it's just going to be part of the expense and part of what you have potential to get back. So just food for thought there. Then moving into the rate and term refinance. Now this is something totally different. This means that you went out and got a hard money lump, some kind of a private bridge loan, which by the way, Ridge does. We have bridge loans that can help fund the purchase and the renovation. We can talk about that if you like. But if you went out and got a hard money loan, this is no longer a cash out refinance unless the value is so high that based on a 75% LTV for cash out, that there's enough money on the table that you don't want to wait the 12 months.   Caeli Ridge (00:18:00) - I'm going to pause on that for a second and just say that the numbers work for a rate and term refinance, where we have an existing loan. Let's say you've got a hard money loan for 150,000. A rate and term refinance lets us go to 80% loan to value on a single family, 75 on a 2 to 4. If you recall a minute ago it was 75 and 70. That's cash out. Refinance rate and term refinance rules when you're not getting any money in hand, were simply paying off existing liens plus closing costs. They increase the LTV allowances. So 75 2 to 480% on a single family residence. So if we can go 80% on the 200,000, what is that one? I can't do mental math, Keith. So 80% of 200,000 is 160. So in that case think about this. So let's just keep going back to our example. You've got 150 into it. We've got 10,000 of closing costs okay. 150 is a hard money loan that we have to pay off. And the 10,000 is what the new refinance closing costs are going to be.   Caeli Ridge (00:19:00) - The value came in at 200,000. 80% of that is 160,000. That's no skin in the game. You have completely covered the hard money loan paid for the closing costs. I mean, you can't get better than that. That's 100% leverage, right? You're not getting cash back. Now let's take that and say that the value came in at 250. And that's a lot of money. In that case, you may want to wait for the 12 months to get that cash back, because you're going to be limited if you use leverage to acquire the property versus your own cash, that's when you're going to have to wait that 12 months. Or if you're cash acquisition, the numbers work out where you'd get an exponentially more amount than what you put into it. You may want to wait there, too. It really just depends on what that RV is going to be. That's why it's the linchpin that'll make you decide whether you're going to wait the 12 months, or if you're ready to rock in in the immediate terms with a rate and term refi.   Caeli Ridge (00:19:53) - No seasoning. If you're not getting cash back, I don't care. We can do it immediately or a cash out refinance. As long as you're not getting more back than what you paid for it. And we can show that the dollars to acquire all in the CD and they came from, you know, seasoning.   Keith Weinhold (00:20:07) - All right. So it's the BR strategy with the cash out refinance and then the burr strategy with the rate and term terms there, if you will. Is there anything else that we need to know about either one of those.   Caeli Ridge (00:20:19) - Really a lot of people always want to say what are the rate differences? And I would say that, you know, overall they're going to be roughly the same when we start talking about those LP's. Again, Keith, low level price adjustments there, pluses and minuses that have to do with risk. A cash out is a higher risk than a rate and term, a rate and term at 80% versus a cash out at 75% might offset that. So relatively speaking, they're probably going to be within an eighth to a quarter percentage point if all the other variables are equal.   Keith Weinhold (00:20:44) - Now, clearly, I think of a hard money loan is something that allows. You to put both the purchase price of a property and the projected rehab cost, and roll those all into the loan at closing. That's what I think of as a hard money loan. Is there any difference between a hard money loan and the other things that you're describing to us?   Caeli Ridge (00:21:04) - Not really. I mean, it's probably a cat of a different name, right? I mean, a hard money loan, a private money loan, a portfolio loan, a bridge loan. I mean, you could use the same thing, depending on the context of the sentence, to mean the same thing, maybe something different. You're probably right in this context. It's going to be the same, I think.   Keith Weinhold (00:21:21) - Well, I want to talk to you more about conventional loans and any mortgage industry trends that have been taking place lately. But before we do, do you have any last thing to tell us about the Burr strategy, where really someone can accumulate maybe 10 or 20 properties in just three years with little or no money, but more work?   Caeli Ridge (00:21:39) - Yeah, a little bit more work.   Caeli Ridge (00:21:40) - I would say get to know your market, have your team. That contractor. Man, I think you alluded to this. I think that that's the piece that most people struggle with is finding the right contractor for one of the things that tends to work well, if you have established a relationship, is kind of getting in with some kind of a JV with the contractor, right? They've got skin in the game. Maybe if your numbers work out, they get a 5% bonus on the end, whatever. Just to kind of not keep them honest but keep them honest, if you know what I mean. So making sure you've got a good contractor that you can trust if you're going to be doing this out of state from where you live, even more so, doubly so you really want to have the right team. And that includes the general contractor, the escrow company, your lender. Everybody's got to kind of be on the same page if you're going to continue to do this as a rinse and repeat.   Caeli Ridge (00:22:23) - And then finally I would say bring it to Ridge. Let's just make sure if you're new to doing this, I want to make sure you're not leaving that money on the table, that we're structuring it appropriately so that we're maximizing the loan to value, we're maximizing your dollar, and that you're not leaving money or leaving money for some period of time longer than what you would have wanted to, because this is a rinse and repeat, right? If you don't do it right the first time, you could be stuck tying up 30 grand for 12 months that you would have otherwise been able to capitalize on. If we looked at it in advance of you pulling a trigger.   Keith Weinhold (00:22:52) - Yeah, that's correct. In fact, that last R in the BR strategy is to repeat it. And yet, to your point about contractors, I like to think about what contractor motivations are and what my motivations are. And in times I have incentivized contractors with giving them a 5% bonus if they finish things ahead of schedule or a 5% penalty if they finish things behind schedule and putting that in the contract as well.   Keith Weinhold (00:23:14) - You're listening to get versus a case. We're talking with Ridge Landing President Charlie Ridge about getting loans for the BR strategy more when we come back. I'm your host, Keith Windhoek. Role. Under this specific expert with income property, you need. Ridge lending Group Nmls 42056. In gray history from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your prequalification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns, or better than a bank savings account, up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love.   Keith Weinhold (00:24:29) - How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six.   Speaker 5 (00:25:06) - This is our Rich dad, Poor dad author Robert Kiyosaki. Listen to get Rich education with Keith Wayne. All scripture data.   Keith Weinhold (00:25:25) - Hey. Welcome back. You're inside. Episode 502 of gray. I'm your host, Keith. Y'know, we're talking with the president of Ridge Lending Group, Charlie Ridge. She talked to us before the break about her financing strategies and the things that you need to keep in mind in order to optimize your returns there. It's only now back here on the conventional side, we talk more about conforming loans for properties that are already fixed up.   Keith Weinhold (00:25:48) - Or maybe people call those turnkey. What about some of those hurdles that investors often have in there? For example, I know that the DTI one exceeding their debt to income ratio threshold when they try to qualify is sometimes a problem. So can you talk to us about some strategies with that? For example, sometimes a person might have a $500 a month car payment, but they only have four or more payments to make for their $2,000 principal balance. And it just makes more sense to pay that off. And then that drops off the DTI calculation. Are there any other thoughts you have with regard to that?   Caeli Ridge (00:26:18) - There's so many in this. I mean, we probably have our own episode for all different ways on debt to income ratio and to move that needle. Just to go back to your example, just FYI, if the car loan is financed, not leased, and there are ten months or left reporting on the credit report automatically per guideline we had, we can exclude that if it was at least with ten months or less, we have to keep it in the ratio.   Caeli Ridge (00:26:39) - But if it's a finance car, ten months are left are showing on the report. It's automatically reduced from the liability section of DTI. The other things that we're to look at just obvious things. Can we gross up any kind of income. Right. Are there bonuses or commissions or Social Security or veterans benefits or whatever that allow us to gross those up, making sure that we've got all of the applicable income that they gather? Sometimes people will forget to say, oh, I get this. You know, child support or alimony or whatever it may be that I didn't think to disclose. We want to make sure that we have that in there. And then we talk about liabilities we want to look at here's kind of a good one. Student loans let's say that either cosigned or you have your own student loans. Fannie and Freddie have different. And maybe they're in deferment. Okay. So when we pull the credit it shows zero as the monthly payment. While Fannie and Freddie have different rules about what we have to hit them for.   Caeli Ridge (00:27:25) - And I could be getting these backwards, but I think that Fannie is 1% of the outstanding balance, whereas Freddie is a half a percent. So depending on some other variables, we may elect to say, okay, DTI is really tight, we're going to take this and make this one of Freddie, assuming that they fit all the other boxes so that we're only having to hit them for that half a percent. Otherwise we look at maybe paying off revolving debt, get those payments down if they're small enough, maybe there's a $3,000 balance that has a $300 payment that's really screwing things up, and they can afford to pay that off. So certainly we can look at those kinds of things, adding in a co-borrower, putting more money down, buying the interest rate down, maybe finding slightly cheaper insurance, right. At least for the purpose of the loan. And then if you wanted to get higher insurance or lower deductibles or higher deductibles later, you could certainly do that. So there's so many different variables that we can look at to really it's not a one size fits all.   Caeli Ridge (00:28:13) - And DTI is kind of a slippery slope. And there's lots of different ways in which we can get that down into check. And if it doesn't happen today, we can help them plant the seeds for what to do tomorrow and making sure that we get them there.   Keith Weinhold (00:28:24) - Wow, that was fantastic. I hope you, the listener, are listening closely because Charlie just gave so much packed, nutrient dense information about what you can do with your DTI. And for starters, I think a lot of people think about reducing their debt to improve their DTI. But is all your income being credited as well? Hopefully you caught that part which said that. But when it does come to reducing the debt portion, of course student loans have very much been in the news with all these plans for forgiveness. Is that impacting DTI substantially?   Caeli Ridge (00:28:53) - If they had the right documentation? Sure. Yeah. If they're on there and we have the right documentation that shows that they are forgiven, but they just haven't caught up with the system, then absolutely.   Caeli Ridge (00:29:00) - Otherwise, if they don't have the supporting doc, the letter that says and it's on the credit report, we're going to have to hit them for it, whether there's a payment there or a zero deferred. And then we have to figure out the 5.5 or the 1%. It'll have to be in there. Just depends on what they can deliver in terms of that forgiveness in paper trail.   Keith Weinhold (00:29:18) - You do with mortgages every day in there. That's what you specialize in for investors. Are there any just overall mortgage industry trends that really specifically impact real estate investors that have occurred? Or amid.   Caeli Ridge (00:29:31) - The rates? Everything is going to come back to the rates. As much as I impress upon people, it really shouldn't be about the rate. And I understand the psychology. Listen. But if they're not doing the math, they're really doing themselves and their future investment a disservice. The shelf life, you guys of an investment property mortgage is five years. Whatever the rates are today, you're not going to have that interest rate almost certainly in 5 to 7 years.   Caeli Ridge (00:29:54) - So kind of looking down the forecast of where rates we think they're going to go, the appreciation of the property, harvesting equity, pulling cash out. Keep those things in mind when you fixate on the interest rates. I would say that that's usually what it's top of people's minds. The most recent inflationary data came out. It was hotter than we expected. However, shortly thereafter, if you're watching closely the unemployment rate and the jobs report, I think it offered 175,000 new jobs and the projection was to something. So that's good news. And listen, you guys, you can't have it both ways. We're in a hot economy. I guess it depends on who you're talking to and who you're asking. I understand, but for all intents and purposes we've got inflation is is down. It's not down where the Fed's wanted that 2%. The unemployment rate is very, very low. So in that regard we're doing very well. So interest rates are going to be higher. Unfortunately it balances this way. The worse the economy does the better the interest rates do.   Caeli Ridge (00:30:48) - Finding that equal balance I think is the key. And don't ask me, I'm not going to try and predict how to do that. But do your mouth be prepared for refinancing when it comes. Sitting on the fence is usually not going to be to your advantage if you're waiting for interest rates to come down, and that coupled with house values, come down a little bit too. And you may have played yourself out of the refinance anyway for the purposes that you wanted to pull cash out. So just be educated. Call us. We can kind of walk you through some of that stuff. Interest rates, I think, are going to be higher for longer unless we see some real significant data trends, because there's a lag. And what we get from the Fed's and I think they try to put that in there, but who knows what's going to happen. What are they going to see us again June, July. We'll see what happens. If jobs reports keep being light, then maybe we start to see a little bit more reprieve in the interest rates.   Caeli Ridge (00:31:32) - But we're still we're what, seven and a quarter, seven and a half for investment property I think in most cases. So if that's too high to cash flow, find a short term rental. Find a mid term rental. There's other ways in which to accomplish your variety of variables. Even in the seven and 7.5% interest rate environment.   Keith Weinhold (00:31:49) - Well, there's so much I can say about the fed and the interest rates, but I think you said something very important earlier that the average shelf life of a mortgage loan product is about five years. It's exceedingly few people. Well, less than 1%. They're making their 360th monthly payment ever at a 30 year fixed rate loan. Charlie, I want to ask you what. Maybe it's becoming sort of known as the Charlie Ridge question. I like to ask you this almost every time that you're on the show, because it gives us a temperature of the market, because you see so many loans and so many appraisals come in there, what percent of appraisals are coming in above value? What percent are coming in on value, and what percent of appraisals are coming in below value?   Caeli Ridge (00:32:26) - We don't see as many low values.   Caeli Ridge (00:32:28) - I think that there was a period of time where that was rampant. It was really frustrating for a lot of people, especially on the Non-owner occupied side. The vast majority are coming in on point, and I think a lot of that has to do with 0809 regulation. Appraisers are kind of scared of their own shadow and overvaluing properties. So I think that they do very everything they can to hit the mark. And I don't see too much over an occasion. We'll see a little bit over. It's more likely to see it over than under these days. I would say, okay, percentages under 10% on the mark 8075 and then over. We'll give it.   Keith Weinhold (00:33:03) - 1515. Okay, a few more over than under, but pretty close to right on value there. You do loans in almost all 50 states. And these are the states where the property is located, not where the borrower lives. Right. So it's every state except a few.   Caeli Ridge (00:33:20) - Right? We're not in North Dakota and we are not in New York.   Caeli Ridge (00:33:22) - Otherwise we are lending in all 48 states where the property is. That is correct.   Keith Weinhold (00:33:27) - Yeah. And you specialize in loans for investors. Like I said earlier, what other loan types do you offer investors and others in there because you do a few primary residence loans too.   Caeli Ridge (00:33:38) - We do lots of primary. I would say, you know, it's 7030 probably. We're very capable, full service direct lender. What that means is we fund on our warehouse line, we underwrite in house, but we don't service these loans. So we bundle them up in mortgage backed securities and we resell them on the secondary market to aggregators. You guys will know this as servicers. Any Mac, Wells Fargo, whoever is going to be the end servicer of the loan. And I've worked really, really hard to create an environment specifically for investors, not exclusively, but largely so that we're not a one size fits all. So I really appreciate the question and being able to articulate to your listeners, we really do everything. It's very uncommon that we don't have a loan product to feed the actual need.   Caeli Ridge (00:34:17) - The one thing that I would say we don't have or don't offer is going to be a lot bear lot loans we don't fund on just bare land, but we can do the Fannie Freddie's bridge loans. So for the fix and flip or fix and hold the BR, we do non QM. This is just non QM is kind of everything outside the Fannie Freddie box. If you can't quite fit into the rigors of Fannie Freddie you're going to be in non QM probably where debt service coverage ratio lives. Bank statement loans live, asset depletion loans live. We have commercial loan products for commercial properties. For residential properties we have. Ground up construction. First line Helocs for relationship clients we have second line Helocs. We had second line for everybody when we pulled back just for relationship clients for reasons that we'll discuss on one on one if anybody's interested in that. What am I forgetting, Keith? You get the point. There's a lot. If you think that you're trying to get financing for residential or commercial properties, please email us and we'll take some information to let you know what we can do.   Keith Weinhold (00:35:10) - Well, yeah, to my point, you provide such a great service in a wide palette of options. It's somewhat easier to describe what you don't do. Yeah. And what you do offer to people. And of course, I've done my own loans in there at Ridge and my own refinancings in there. And yes, I usually end up getting a servicer. That's one of the big banks that you've always heard of over the long term that I make payments to. Where does one get started to get things rolling with Ridge or just to ask some questions.   Caeli Ridge (00:35:36) - Call us 855747434385574. Ridge, you'll get someone immediately. We don't have any call trees. You'll speak to me if I'm available at the time. Our website's got a lot of great information. Ridge lending group.com email info at Ridge Lending group.com. All of those ways will get you on the books with me, if that's what you like. Or assign you to a loan officer in the company. And we look forward to serving you.   Keith Weinhold (00:36:00) - You have given our longtime listeners more good, timely mortgage information than anyone in the history of the show here, and we're all better for it.   Keith Weinhold (00:36:09) - Charlie Ridge, thanks so much for coming back on to the show.   Caeli Ridge (00:36:11) - Thank you Keith.   Keith Weinhold (00:36:18) - Let's review some of what you learned about Bir and their loans today. Once your property is renovated and rented, which are the first and second are the third are. Is refinance for a cash out refinance type? It is a maximum of 75% loan to value on single family and 70% on a 2 to 4 unit, and then for a rate and term refinance, which means when you don't get any money in hand after closing and you're simply paying off existing liens plus closing costs, it's 80% loan to value on single family and 75% on a 2 to 4 unit. And you learn to be sure that both the purchase price and the acquisition cost are listed on your final closing disclosure. You know what I think is interesting with originating mortgage loans today? Overall, it's one question that I've been thinking about, and maybe we'll do a poll on this question. If we do, I'll share the results with you. And that is, do people care more about the mortgage interest rate than the purchase price of the property itself? Sometimes it seems that way to me.   Keith Weinhold (00:37:29) - Now your mortgage rate definitely matters, but not as much as the purchase price. I mean, later months or years down the road. After you purchase a property, you can often renegotiate the mortgage interest rate, like if rates fall, but your purchase price stays fixed, that part never gets renegotiated. And like I mentioned last week, low mortgage rates don't create wealth. Leverage does. And to put a finer point on that, consider that in 1971, the mortgage interest rate was 7.3%. Back there in 1971, if you had waited for interest rates to go down, you wouldn't have purchased a home or an income property until 1993. You would have waited 22 years for rates to go down. And meanwhile the price of real estate quadrupled, and many people expect mortgage rates to stay higher, longer. Whether you're interested in the BR strategy or already renovated income, property or even primary residence loans, I invite you. You can get loans at the same place that I have myself for years. That's it.   Keith Weinhold (00:38:41) - Ridge lending group.com. Until next week. I'm your host, Keith Winfield. Don't quit your day dream.   Speaker 6 (00:38:52) - 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 (00:39:20) - The preceding program was brought to you by your home for wealth building. Get rich education.com.

Scientology doesn't believe in the young. They teach that they are trillion year old beings in small bodies. Therefore, they are not treated developmentally correct. Neglected, exploited for work and severely mistreated, they suffer the most in this organization. Serge Del Mar tells his story of growing up in Scientology and his advocacy work to make people wake up and listen to the lost souls who are begging silently for help.Click here to watch on YouTubeFind Serge on Social!YouTube: @literallysergeIG @literallyserge If you need help escaping Scientology, visit:https://www.theaftermathfoundation.org/https://sptvfoundation.org/**FULLY BOOKED** Our C2C vacation where we can meet you in real life and go on adventures together has sold out! However,  you can add yourself to our waitlist in case of cancellations.   Click here to go to the official booking page Our Merch! Patreon: Patreon.com/cultstoconsciousnessVenmo @sheliseannAny donations are welcome and appreciated to support the making of this podcastWebsite CultsToConsciousness.comFind Shelise on Social media!Instagram @cultstoconsciousnessHost Instagram @sheliseannTikTok @cults.to.consciousnessTwitter @cultstoconTheme Song Produced and Composed by Christian Guevara**Disclaimer: Thanks for joining us at Cults to Consciousness. This storytelling podcast is meant to be for entertainment purposes only and does not substitute for medical advice. We may discuss triggering topics and we ask that you make your personal mental health a priority. Lastly, the opinions of our guests do not necessarily reflect the opinions of the host.**

People working on the front line with troubled kids know well that creating empathy towards animals helps to break the cycle of violence. Katie and Dean Shannon have just written a book 'It's Not the Dog We're Training'.

Social worker Tod Augustus Scott, who is the executive director of Bridges Counselling Centre in Truro, N.S., joins guest host Preston Mulligan to talk about how men can change even after perpetrating intimate partner violence.

Radio Boston delves into a youth diversion program that gives young people support instead of putting them into the juvenile detention system.

EW's exclusive preview of RuPaul's Drag Race season 16 concludes with Sapphira Cristál demonstrating her six-octave operatic singing voice, while Xunami Muse talks working on Naomi Campbell's The Face reality series and how she plans to rehabilitate the Kandy Muse legacy.

Taking bribes, destroying files, using the federal government to go after your enemies?.. the "New Nixonians" don't see a problem here. Plus - Thom reads from "Playing with Fire: The 1968 Election and the Transformation of American Politics" by Lawrence O'Donnell.And why did we just discover an ancient stone circle underwater near northern Michigan?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's been a year and a half since Noble was on the podcast & a lot has happened - listen to get an update on how Noble is doing! Our #1 listened to episode…here it is…Noble was 16 when he sustained a spinal cord injury that instantly changed his life from an ordinary, cross country running, teenager to a quadriplegic.

Today's special episode brings you behind the scenes of Mission K9 Rescue, an award-winning Working Dog Rescue which has saved more than 1200 dogs that have served humanity in some capacity, such as Military Working Dogs (MWD) and Contract Working Dogs (CWD). Bob Bryant, the co-founder of Mission K9 Rescue, talks about Mission K9's Five-Point Mission to Rescue, Reunite, Re-home, Rehabilitate, and Repair these brave dogs who have done so much for humans.Enjoy the best of Good Dog from the palm of your hand with the Good Breeder Mobile App! Good Breeders can use the mobile app to seamlessly and easily manage their programs on the go, whether you're shuttling puppies to vet appointments, or coordinating airport pickups, you never have to worry about missing a second of managing your program. Download for iOS or Android.

Our guest this week is musician and activist Tommy Green of Run Against Traffic! You may know Tommy from his time spent with bands xDeathstarx, Sleeping Giant, or his current project HolyName. He's been an important figure in the metal and hardcore scene for a long time, but his primary focus nowadays is Run Against Traffic, an organization that “exists to utilize the transformational power of running & community events to Rescue, Rehabilitate, and Restore the victims of human trafficking in our world.” Trafficking has become and unnecessarily controversial topic, as of late, but Tommy and his wife Krissi Green are doing great work helping vulnerable people get the support they need to get on their feet. We are big believers in their mission, and we really enjoyed talking to Tommy! To learn more about Run Against Traffic, visit their website: www.irunagainsttraffic.com, and follow them on Instagram, YouTube, and X (@runagainsttraffic). Follow HolyName on Instagram and X (@holynamewxrship), and follow Tommy on Instagram (@tommyagainsttraffic) and X (@tommyrevgiant).

CNN's Dana Bash held up her own with the thug-in-chief's attorney, John Lauro. He tried to use her network to redefine the indictment, and she bucked him at every turn. --- Send in a voice message: https://podcasters.spotify.com/pod/show/politicsdoneright/message Support this podcast: https://podcasters.spotify.com/pod/show/politicsdoneright/support

Meet Kali Hamerton-Stove in this weeks episode, Project Director at The Glasshouse project, a social enterprise offering second chances through horticultural training to women based in UK prisons. Find out how the project runs and the benefits of learning to work with plants for women inmates both while in prison and for their lives after release.   Hear from regular series 12 contributors Kirsty Ward @mylittleallotment with her monthly growing tips and find out what Michael Holland @pond_dipper has chosen for his plant of the month.   @ellenmarygardening and @mr_plantgeek gossip individually in this episode with Michael in Minneapolis touring gardens and Ellen at the trial fields of Mr Fothergils Seeds.    Series 12 of The Plant Based Podcast is sponsored by People Plants Wellbeing where you can find your magic through the power of plants and nature. Relax at a nature immersive retreat, wellness day, forest bathing walk or contact the studio about creating a tailored team based day for your work colleagues wellbeing. We also have an exclusive discount code for our podcast listeners which can be used for all People Plants Wellbeing services.    Take 10% off all services, treatments and retreats with code PBPSERIES12 via the website or when you contact the team to book. Next wellness days are coming up soon…find out more and book your place at peopleplantswellbeing.com or on instagram @peopleplantswellbeing.   Offer code valid until the end of series 12. *terms and conditions may apply.

Pete Mills is the Senior Vice President of the Mortgage Bankers Association and leads multiple advocacy programs.00:00 Intro10:30 A great quality we possess if we have so many options regarding financial institutions instead of just a few large banks.19:23 We are constantly surrounded by voters, invite your local politicians to your events so they can speak and advocate.31:00 There's a lot of homes that need to be rehabilitated and Pete facilitates programs that will help you do just that.

When Dr. Mikita Fuchita heard about an Awake and Walking ICU, he had to see it with his own eyes. After visiting the Awake and Walking ICU, how did Dr. Fuchita embark on bringing his colleagues together to update their sedation and mobility practices? He shares his personal conversion and his team's journey with us in this episode. www.daytonicuconsulting.com --- Support this podcast: https://podcasters.spotify.com/pod/show/walkinghomefromtheicu/support

Character Debates made it to the 50th episode and it's a big one!!!! To celebrate, we got Tom Holland's bleeding heart Spider-man debating the punitive Batman on what is the best way to rehabilitate super villains!   Listen to these valiant heroes discuss punching the mentally ill, joking while in combat and house arrest in your friends condo!! All judged by the nefarious Professor Pickles!!!   Moderator: Michael Harrison   Spider-Man: Elon Altman   Batman: Drew Dunn   Professor Pickles: Jake Vevera

Rehabilitate, renovate the heritage, in sustainability and to decarbonize summarizes the theme of this issue of Com d'Archi treated in 10 minutes! Essential notions for a subject without limits!Like the teaser photo we chose to illustrate this issue, our European Education (cf Romain Gary in the strict sense), is a daring edifice which, so far, has resisted time. It is extremely fragile and yet. Do we really realize how lucky we are to have benefited from this heritage? Day after day in 2023 in France, violence, absurdity, degree 0 of culture, greed, and thirst for power as much as for destruction, punctuate our daily life. What counts is the selfie! And yet, pass through these stupid times of multiple ways full of enthusiasm, as that to rehabilitate our heritages! Because there are no backward-looking people against ideologists! The game of labels does not work. There is just the dose of humanity that we have in our hearts.Anne-Charlotte DepondtImage teaser © imageBROKER : ruins of a church with a barrel vault, castle hill Monolithos, Rhodes, Greece, EuropeSound engineering : Julien Rebours___If you like the podcast do not hesitate:. to subscribe so you don't miss the next episodes,. to leave us stars and a comment :-),. to follow us on Instagram @comdarchipodcast to find beautiful images, always chosen with care, so as to enrich your view on the subject.Nice week to all of you ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Myth: Prisons Rehabilitate (Reacting to the Pendleton 2   In this episode, we discuss the documentary The Pendleton 2: They Stood Up directed by our co-host Too Black and TheKingTrill. The film chronicles the story of Indiana political prisoners Christopher "Naeem" Trotter and John "Balagoon" Cole who got 200 plus years for intervening to save the life of a fellow prisoner who was being brutally beaten to death by the prison guards at Pendleton prison. Our frequent listeners will be familiar with this story.    We use this film as a case study to demonstrate how prisons fail to rehabilitate the people they lock up and how the Pendleton two are examples demonstrating that community rehabilitates people, not the state. We strongly encourage listeners to watch the film and if you have the capacity schedule a screening in your local area at pendleton2.com.    Film https://youtu.be/aQ6c4iE88Uk   Patreon  https://www.patreon.com/blackmyths

Register now for ATS 2023 in Washington, D.C.Get ready for a series of dynamic scientific programming with presentations covering the basic sciences, research breakthroughs and clinical treatment!In this podcast, we explore the groundbreaking world of tele-rehabilitation and how it is transforming the healthcare industry. Tele-rehabilitation is the practice of providing rehabilitation services to patients in remote locations through the use of technology. We discuss the benefits of tele-rehabilitation, including increased accessibility, convenience, and cost-effectiveness for patients. Our experts delve into the various applications of tele-rehabilitation, including its use in pulmonary rehabilitation, neurological conditions, and eduation. 

คุกหรือเรือนจำ คือสถานที่ที่สร้างขึ้นเพื่อบรรลุเป้าหมาย 2 อย่าง อย่างที่หนึ่งก็คือการคุมขังนักโทษอันตราย ไม่ให้ออกไปทำผิดหรือทำอันตรายใดๆ ต่อสังคมได้อีก อย่างที่สองก็คือการ Rehabilitate หรือ “ฟื้นฟู” ความดีในจิตใจกลับมาอีกครั้ง เพื่อให้แน่ใจว่า นักโทษที่ได้ก้าวออกจากคุกไปแล้ว จะสามารถใช้ชีวิตอยู่กับผู้อื่นในสังคมได้อย่างไม่มีปัญหาอะไรผิดกฎหมายอีก . แต่สำหรับ อลัน เลย์แมน แมเธนี (Alan Lehman Matheney) นั้น คุกกลับเป็นสถานที่ที่ไม่สามารถเปลี่ยนแปลงตัวตนและจิตใจของเขาได้เลย ซ้ำร้ายยังเป็นการทวีคูนความแค้นของเขาที่มีต่อภรรยา ซึ่งเมื่อสบโอกาสเขาก็ได้ใช่ช่องโหว่เพื่อออกมาจากการคุมขังชั่วคราว เพื่อปิดบัญชีแค้นแบบสุดสยองที่น้อยคนนักจะจินตนาการได้  . จนคดีนี้ก็ได้กลายมาเป็นกรณีศึกษาที่เปลี่ยนแปลงระบบการจัดการดูแลนักโทษของประเทศสหรัฐอเมริกาไปเลย .  .  ติดต่อสปอนเซอร์ อีเมล contact@missiontothemoon.co หรือ โทร. 084 089 5935  .  .  ติดตาม Mission To Pluto Media ได้ที่  .  Website: https://bit.ly/3ehucCm​​​​​​  Facebook: https://bit.ly/3jQrJQu​​​​​​  Twitter: https://bit.ly/2TKNJC4​​​​​​  Blockdit: https://bit.ly/3kK16OB​​​​​​  YouTube: https://bit.ly/35YVGcx​​​​​​  TikTok: https://bit.ly/3mFzZF1​​​​​​  SoundCloud: https://bit.ly/34M6B9S​​​​​​  Podbean: https://bit.ly/34VsrZd​​​​​​  Spotify: https://spoti.fi/3eju4CI​​​​​​  Apple Podcast: https://apple.co/2TMh3Im​​​  .  . #filenotfound #filenotfoundpodcast #missiontoplutopodcast

Help by supporting: Mission K9 Rescue In 2021, an alleged animal cruelty incident occurred at a military base which involved an airman who was charged with five counts of cruelty at Minot Air Force Base in North Dakota. At Schofield Barracks in Hawaii, soldiers are accused of using blow darts to shoot prairie dogs, at Minot, and at Nellis Air Force Base in Nevada, mutilated cats have reportedly been seen. At the time of the incident, Jim Michael Velez Diaz, a 21-year-old member of Airman 1st Class, was the accused. Despite not being a military member, then 19-year-old Katelynn Marie Mercier was also charged. The Ward County Sheriff's Office searched a home on base on May 26, 2021 after receiving reports of animal neglect, according to the Minot Daily News, which first covered the incident. Ryan Ostrum, the deputy deputy for patrol, discovered six other malnourished dogs inside along with two dead dogs. According to a sheriff's department affidavit, the house was "in disarray with garbage, dried animal urine, and animal feces all around the home." Some of the worse culprits of inhumane treatment to service dogs and animals in general are the Jordanian military and middle eastern culture where dogs are regularly mistreated. Death in some cases is the best alternative to these poor animals in some cases. Military and K9 Service Dogs have played a vital role in maintaining peace and security, both domestically and internationally. These specially trained dogs are used for a variety of tasks, including detection of bombs and drugs, search and rescue, and tracking. Statistics show that military and K9 service dogs have saved countless lives in combat and other dangerous situations. In recent years, the use of these dogs has increased dramatically, with many military units now relying on them as a crucial part of their operations. According to the Department of Defense, there are approximately 2,500 military working dogs currently in service, with the majority of these dogs being deployed to the Middle East. Another important statistic regarding military and K9 service dogs is their ability to quickly locate and rescue people in search and rescue operations. These dogs are often the first responders in natural disasters, and they are able to quickly locate and rescue survivors who may otherwise be trapped. In many cases, these dogs have been able to save lives by locating survivors who were trapped in rubble or other hazardous conditions. Finally, it is worth noting that military and K9 service dogs are often considered heroes in their own right. These dogs have been awarded numerous medals and honors for their bravery and service, and they are often remembered as true heroes who have made a significant impact in the lives of those they serve. So why do some servicemen and handlers neglect, beat, torture, and starve these heroes? H.R. 1016 Animal Cruelty Enforcement Act of 2021 https://www.congress.gov/bill/117th-congress/house-bill/1016/text?q=%7B%22search%22%3A%5B%22animal+cruelty%22%5D%7D Please help by supporting: www.MissionK9Rescue.org Mission K9 Rescue Their mission is to: To Rescue, Reunite, Re-Home, Rehabilitate and Repair any retired working dog that has served mankind in some capacity. --- Send in a voice message: https://anchor.fm/chucktuck/message Support this podcast: https://anchor.fm/chucktuck/support

On this episode i'm joined by one of tik tok's BEST story tellers, investigator Officer Hernandez. She has worked in prisons & correctional facilities for about 16 years and knows the inside scoop behind the walls! We discuss solitary confinement, inmates being property of the state, whether or not she believes prisons truly aim to rehabilitate inmates, and more. Tune in to hear this prison talk discussion! Catch Officer Hernandez's story times on Tik tok @prettisadity84! --- Support this podcast: https://anchor.fm/theroseyperspective/support

Mission K9 Rescue's purpose is to "Rescue, Reunite, Re-Home, Rehabilitate and Repair any retired working dog that has served mankind in some capacity."  Whether it's bringing them back from overseas deployments which is quite costly, reuniting them with their military handlers, or rescuing them from poor environments at home, Mission K9 works to provide the best possible care for working canines once their service is completed due to injury, age, and/or health issues. Mission K9 co-founder Bob Bryant discusses the life and fate of working dogs.  In many cases, when these animals retire, some have extensive medical issues that can become quite costly. Often retired working dogs have been in situations that can cause them severe anxiety and stress.  Many retire with issues such as Post Traumatic Stress Disorder.  These dogs need time to decompress and reintegrate into society.  Mission K9 Rescue works with these dogs in order to make them suitable for adoption. Animal Care Software KONG Zoo Zoo Logic

Tabitha Farra is an eating disorder recovery coach. Despite being a robust and confident teenager, she developed an eating disorder at age 17 and this devastating illness took pole position in her life until, at 25, Tabitha finally started her recovery journey. Tabitha successfully recovered from Anorexia Nervosa and the complicated matrix of obsessions and habitual eating disorder behaviours that came with it. In the episode: - The genetic component of anorexia and the migration response - How do people with anorexia eat when their biology is screaming at them not to? - How to navigate being paralyzed when it comes to food choices. - Should you eat every time you think about food, even if it's worrying about it? - Why didn't my anorexia gene get switched on again when I was in energy defect again after I had “recovered” from anorexia? - Why binge eating disorder is a restrictive eating disorder - What about people in larger bodies… should they still follow their mental hunger? - Can you explain how we teach our brains to be fearful of weight gain and then how we can do the opposite… let go of our fear of weight gain? Connect with Tabitha: https://tabithafarrar.com/ Youtube: https://www.youtube.com/c/TabithaFarrar/videos Connect with me: Get FREE access to the first few modules of my paid Body Love Binge Programme: https://victoriakleinsman.com/free-access-to-first-few-modules/ Instagram: https://www.instagram.com/victoriakleinsmanofficial/ FB: https://www.facebook.com/victoriakleinsman Podcast Spotify: https://open.spotify.com/show/4iNYvEWvgW9a0wNaj4m9hf?si=caq_P-V2TLSAmx1Swuh3yQ Podcast Apple: https://podcasts.apple.com/us/podcast/break-free-from-binge-eating-with-victoria-kleinsman/id1464324636?uo=4 Email: info@victoriakleinsman.com --- Send in a voice message: https://anchor.fm/victoria-kleinsman/message

There is a belief that we can all get what we want if we just pull up our bootstraps and go for it.  But what happens to those who simply don't have boots?  It's tough for someone to move forward if they don't have the basics.   This episode is about a business that looks at business differently…My guest for this episode is Tom Vozzo, CEO of Homeboy Industries. Tom left his career in corporate America convinced there had to be a better way to define success. In 2012, Tom became the first-ever CEO of Homeboy Industries, the largest and most successful gang intervention, rehabilitation, and re-entry program in the world. This discussion hits on a lot of opportunities for business to think differently – for the benefit of all involved.   From letting go of judgement, to creating a space where employees feel loved and supported the experience Tom shares can apply to any organization.   Listen in as Tom shares a few of the 55 rules he believes more businesses need to break, speaks the power of asking employees what they need and why love, kinship and compassion are the key to creating a workplace where employees can thrive. Connect with Tom:  LinkedIn: https://www.linkedin.com/in/thomasvozzo/ Homeboy Industries LinkedIn: https://www.linkedin.com/company/homeboy-industries/ Twitter: https://twitter.com/HomeboyInd Instagram: https://www.instagram.com/homeboyindustries/ Facebook: https://www.facebook.com/HomeboyIndustries   Connect with Susan Morgan Bailey Email: Susan.Bailey@marshmma.com  LinkedIn: https://www.linkedin.com/in/susanmbailey/

Part 2 of my interview with Daniel A. Wilson, LIVE from Moose Lake, Minnesota's MSOP (Minnesota Sex Offender Program). Daniel has been very instrumental in exposing the horrors that happen in this shadow prison disguised as a hospital and bringing to light all of the injustices that are happening there. Whether people believe it or not, we are all at risk of the same things happening to us, innocent or not. Thank you for watching this segment of Joshua "The World's Mayor"..... #MSOP #Minneasota #ShadowPrisons #LiveManaNetwork #theworldsmayor #Joshua

Part 1 of my interview with Daniel A. Wilson, LIVE from Moose Lake, Minnesota's MSOP (Minnesota Sex Offender Program). Daniel has been very instrumental in exposing the horrors that happen in this shadow prison disguised as a hospital and bringing to light all of the injustices that are happening there. Whether people believe it or not, we are all at risk of the same things happening to us, innocent or not. Thank you for watching this segment of Joshua "The World's Mayor"..... #MSOP #Minneasota #ShadowPrisons #LiveManaNetwork #theworldsmayor #Joshua

Jack featured on episode #243 of the Pacey Performance Podcast. This #bitesize episode takes a great clip from that episode where he discussed - What is the traditional way to rehabilitate hamstring injuries? What problems does this cause? What is an alternative and superior way to go through the rehab process? Check out the full episode with Jack here - https://www.sportsmith.co/listen/pacey-performance-podcast-243-jack-hickey/ This episode is supported by RockDaisy, the only FREE AMS on the market. AMS Lite features reporting capabilities, questionnaires and forms, alerts and communication, data sharing, data visualisation and calendar views.

Brodie starts with exciting new developments on the run smarter book and YouTube channel before providing a recap of pain science. Pain is influenced by physiological, psychological and social variables and when considering pain and recovery, your thoughts and emotions can play a significant role. Listen to this episode to learn about psychological elements that can enhance your recovery and why CBT or cognitive behavioural therapy can play a crucial role. The premise behind CBT is: What we think Affects how we feel emotionally Affects how we feel physically Affects how we act and behave CBT is taking the bio-psycho-social influences and applying them to your advantage. Tune in to this episode to learn how.  Become a patron! Receive Run Smarter Emails Book a FREE Injury chat with Brodie Run Smarter App IOS or Android  Podcast Facebook group Run Smarter Course with code 'PODCAST' for 3-day free trial.

PLUS: Who deserves a biopic? AND D-BAGS: Kylie Jenner and Khloe Kardashian

It's been a big week on social media for the Lakers, and LeBron James capped things off with a mixtape hyping up Anthony Davis, It included some high end highlights, and a message. "Get It Twisted if you want too! I'm due time he'll remind you once again why he's HIM!!! And I can't wait for it to be unleashed!

It's been a big week on social media for the Lakers, and LeBron James capped things off with a mixtape hyping up Anthony Davis, It included some high end highlights, and a message. "Get It Twisted if you want too! I'm due time he'll remind you once again why he's HIM!!! And I can't wait for it to be unleashed!

In today's episode, Jail Design, we explore the intersection between real estate and how spaces can be designed to rehabilitate and promote wellness. Today's guest is Erin Persky, a Justice Facility Planner at Erin Persky and Associates.