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NLW shares 13 lessons from the consulting industry that expose how AI disruption really happens—not through mass extinction, but through transformation. From collapsing delivery costs and shifting client expectations to new capabilities and challenger firms on the rise, this episode explores why consulting is the perfect case study for understanding the future of work in the age of AI.Brought to you by:KPMG – Discover how AI is transforming possibility into reality. Tune into the new KPMG 'You Can with AI' podcast and unlock insights that will inform smarter decisions inside your enterprise. Listen now and start shaping your future with every episode. https://www.kpmg.us/AIpodcastsRovo - Unleash the potential of your team with AI-powered Search, Chat and Agents - https://rovo.com/AssemblyAI - The best way to build Voice AI apps - https://www.assemblyai.com/briefBlitzy.com - Go to https://blitzy.com/ to build enterprise software in days, not months Robots & Pencils - Cloud-native AI solutions that power results https://robotsandpencils.com/The Agent Readiness Audit from Superintelligent - Go to https://besuper.ai/ to request your company's agent readiness score.The AI Daily Brief helps you understand the most important news and discussions in AI. Subscribe to the podcast version of The AI Daily Brief wherever you listen: https://pod.link/1680633614Interested in sponsoring the show? sponsors@aidailybrief.ai
On this brand new episode, Justin and Jeremy are joined by LoySauce to talk about Dan Trachtenberg's newest installment in his recent Predator series, Predator: Badlands! Does this hold a candle to Prey, or is it a family friendly Disney version of everyone's favorite alien hunter? Listen in to hear our full-spoiler review! Find us: Apple Podcasts: https://itunes.apple.com/us/podcast/epic-film-guys- Official Fan Group : https://www.facebook.com/groups/epicfilmguys Feed URL: https://epicfilmguys.podbean.com/feed/ Wordpress: http://epicfilmguys.wordpress.com YouTube: https://www.youtube.com/user/epicfilmguysny/live You can also catch us on most every podcatcher under the sun! Search for us on BluBrry, Stitcher, Spreaker, Google Podcasts, Overcast, and many others. Search and you will find us! There has never been a better time to join up with the elites at https://www.patreon.com/epicfilmguys! You can get access to pre-roll and outtakes from the show, exclusive episodes, free swag, and so much more. Tiers start as low as $1/month! Please consider supporting the show, and thank you for being one of the EFG faithful!
The podcast centers on the importance of nutrition for female athletes and the confusion surrounding it. Host Lindsey Elizabeth Cortes, a sports dietitian, introduces Dr. Demetra Mydlo, a chiropractor and former athlete who shares her personal journey with an eating disorder in her memoir, 'The Weight of Winning: Hustling for Worthiness Through Sport and an Eating Disorder'. Dr. Deme discusses the complexities of eating disorders, the importance of professional support, and how her own experiences have shaped her practice in women's health. The episode highlights the struggles and recovery processes of female athletes, emphasizing the need for proper nourishment, holistic health, and supportive networks. Episode Highlights: 01:22 WaveBye: Revolutionizing Menstrual Health 03:00 Meet Dr. Deme: Chiropractor and Author 05:10 Dr. Deme's Memoir: Hustling for Worthiness 06:58 The Hidden Struggles of Eating Disorders 09:38 The Power of Personal Stories in Healing 13:05 Challenging Body Image and Performance Myths 16:57 Navigating Body Comments and Self-Worth 24:22 Dr. Deme's Journey: Balancing Sports and Health 29:56 Understanding RED-S: Relative Energy Deficiency in Sport 30:49 Resources for RED-S Recovery 31:42 The Importance of Proper Nutrition 32:27 Personal Stories and Struggles 38:29 The Role of Support Systems 42:30 Transforming Health Practices 47:29 The Joy of Movement and Recovery 51:26 Final Thoughts and Resources Demetra Mydlo "Dr. Deme" is a chiropractor, former educator, Coach, and lifelong athlete whose personal and professional experiences inform her passion for health and wellness. Born in Detroit and raised in Kingsville, Ontario, Canada she later earned a degree in Kinesiology from Wayne State University and a Doctor of Chiropractic degree from Parker University. Now based in Dallas, Texas, she lives with her son and works closely with patients to support their healing journeys, as she specializes in Prenatal, Postpartum, Pediatric, and Sports Chiropractic Care. In her debut memoir, she candidly explores the often-overlooked realities of eating disorders among female athletes. Demetra shares her own journey and sheds light on the often hidden struggles of female athletes facing eating disorders, aiming to inspire awareness, compassion, and change. Resources and Links: The Weight of Winning: https://www.amazon.com/Weight-Winning-Hustling-Worthiness-Disorder/dp/1968253092 Follow Dr. Deme on Instagram @drdemetra Website: www.wholeheartedchiro.com For more information about the show, head to work with Lindsey on improving your nutrition, head to: http://www.lindseycortes.com/ Join REDS Recovery Membership: http://www.lindseycortes.com/reds WaveBye Supplements – Menstrual cycle support code LindseyCortes for 15% off: http://wavebye.co Previnex Supplements – Joint Health Plus, Muscle Health Plus, plant-based protein, probiotics, and more; code riseup for 15% off: previnex.com Female Athlete Nutrition Podcast Archive & Search Tool – Search by sport, condition, or topic: lindseycortes.com/podcast Female Athlete Nutrition Community – YouTube, Instagram @femaleathletenutrition, and private Facebook group
00:00 High Five.12:45 Nuggets-Heat, Avs beat Lightning, and a women's CBB score.33:55 Adelman comments on Jokic and the Rockies GM search.
We share some of the spooky things we've been consuming this October season. Thanks for the Listen!Search for us on YouTube, and be sure to check us out on Instagram and Spotify! Leave us a comment or a question and suggestions for future topics and if you enjoyed the episode please rate and subscribe. #thefilmsharks #askthefilmsharksInstagram: https://www.instagram.com/thefilmsharks/?hl=enFacebook: https://www.facebook.com/thefilmsharks/ Twitter: https://twitter.com/jesse_bowling_TheFilmSharksPodcast (@thefilmsharks)Soundcloud: https://soundcloud.com/thefilmsharksGoogleplay:https://play.google.com/music/m/Iid2citaehgiowvg5ocsxqe5y6y?t=The_FilmSharks_PodcastStitcher: http://www.stitcher.com/s?fid=130464&refid=stpr Youtube: https://www.youtube.com/channel/UCpf8i-ET0N_dDl_j5IqREmAHosted by: Tyler & JesseProduced by: Tyler & JesseLogo Design by: Tyler
During the civil lawsuit filed by Virginia Giuffre against Prince Andrew, the Duke's legal team was widely mocked for appearing to scrape the bottom of the barrel in search of credible character witnesses. Instead of producing anyone with real moral weight or first-hand knowledge to vouch for him, Andrew's defense relied on weak, contradictory claims — including his infamous “I don't sweat” explanation and statements attempting to discredit Giuffre's recollection of events. His lawyers even sought broad discovery into Giuffre's past finances, social life, and mental health, a tactic viewed by many as desperate and irrelevant. The strategy looked less like a robust defense and more like an attempt to sling mud in the absence of evidence or credible allies willing to stand beside him.Observers noted that the Duke's inability to produce legitimate witnesses spoke volumes about his crumbling credibility and isolation. Instead of respected public figures, his legal team leaned on peripheral associates and technical arguments that only underscored how far he had fallen from royal grace. Even the court pressed for testimony from Giuffre's husband and psychologist — a clear sign that Andrew's side had failed to offer anyone of substance. By the time the case was heading toward trial, the optics were catastrophic: a once-powerful prince reduced to scavenging for defenders while the walls of public opinion and legal scrutiny closed in around him.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.
Trace Evidence relaunches with the story of Judy Martins. Twenty-two year old Judy Martins was a bright and talented student attending Kent State University in Kent, Ohio. During the early morning hours of Wednesday, May 24th, 1978, Judy donned a silly red wig and visited multiple buildings on campus to hang out and joke around with friends. At approximately 2:30 AM she left Dunbar Hall to go back to her room in Engleman Hall, a little over 1000 feet away. She never made it back to her room and has never been seen again. Nearly fifty years later and not a single trace of Judy was ever found, no suspects were ever named and no answers have ever been found.Follow Trace Evidence on Social MediaTwitter --- Instagram --- TikTok --- YouTube --- Like Facebook Page --- Join Facebook Group --- Threads --- Like MeWe Page --- Join MeWe Group --- BlueskySuppport Trace EvidencePatreon --- Paypal --- Cash App --- Buy Me A CoffeeTrace Evidence Merch ShopsTeePublic --- ShopTEPod --- SpreadshopAll Other LinksOfficial Trace Evidence Website --- LinkTreeMusic Courtesy of:"Lost Time" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/"Echoes of Time" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/"Galactic Rap" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/#truecrimepodcast #unsolvedmysteries #coldcase #coldcaseinvestigation #murder #murdermystery #missingperson #missingpersons #truecrimecommunity #mysterypodcast #truecrime #coldcasefiles #truecrimestories #crimelovers #truecrimeaddict #truecrimejunkie #crimescene #justiceforall #missing #crimesquad #podcastcommunity #sleuthsunite #darkhistories #criminalmindset #detective #detectivediaries #forensics #forensicfiles #crimestories #crimepodcast #traceevidence #traceevidencepodcast #criminalinvestigation #justiceforvictims #detectivework #truecrimediscussion #podcastfamily #listenandsolve #crimefans #listentotraceevidence #uncoverthetruth #podcastrecommendations #podcastlove #podcastlife #truecrimeobsessed #followtheclues #cluefinders #podcastaddict #unsolvedmurders #unsolveddisappearances #detectiveatheart #jointheinvestigation #disappearance #vanishing #abduction #gonemissing #upandvanished #pacheco #stevenpacheco #podcasting #crimetalk #crimeanalysis #theories #judymartins #martins #kentstate #kentstateuniversity #ohiocrimeBecome a supporter of this podcast: https://www.spreaker.com/podcast/trace-evidence--3207798/support.
After 6.5 years, 680+ episodes, and a community that changed my life; this is a heartfelt thank you for being part of EmpowerHER. This show wasn't just a podcast… it was a movement. Your DMs, hugs at events, and stories of growth will stay with me forever.I took time away this year to create space, reset as a mom, and get clarity. And now? I'm stepping into a new season with a brand-new podcast: The Seasons: Motherhood & Ambition Conversations about identity shifts, honoring your ambition and your season, slowing down, speeding up, and trusting the timing of your life.Episodes are now on Apple, Spotify & YouTube — with solo talks, girlfriend chats, and a mom & dad segment with my husband Seena. EmpowerHER will stay here forever for you to binge anytime,, but the journey continues on The Seasons.Search "The Seasons with Kacia Ghetmiri" or DM me @kaciaghetmiri for the link.New YouTube channel: https://www.youtube.com/@KaciaGhetmiri Thank you for being here. I love you. Let's step into this new season together
Blake Ruffino shares his thoughts on the announcement of new LSU President Dr. Wade Rousse. In the first order of business, Dr. Rousse appointed longtime Assistant AD Verge Ausberry to the permanent role. What does this mean for the LSU Coaching search moving forward? President Rousse stated yesterday that "he will be highly involved and will move quickly" in his actions to being apart of the process for the next Head Football Coach? Blake shares his thoughts on all of the moving parts. #lsu #lsutigers #lsufootball #lsusports #lsutigersfootball #lsuathletics #foryou #fyp #foryoupage #ays #ayssports #vergeausberry #lsuad #lsupresident #foryoutube Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Author Melanie D.G. Kaplan fell in love and rescued a former lab dog. She wanted to find out about his past life. Her book, "Lab Dog" helps people understand the problems with animal experimentation. Get "Lab Dog," wherever books are sold. The PETA Podcast PETA, the world's largest animal rights organization, is 9 million strong and growing. Hosted by Emil Guillermo. Contact us at PETA.org. Follow host Emil Guillermo on Twitter @emilamok Or at www.amok.com Get the podcast on YouTube at www.YouTube.com/@emilamok1 Please subscribe, rate, and review wherever you get your podcasts. Thanks for listening to THE PETA PODCAST! Originally released Nov.3, 2025. ©PETA, Emil Guillermo 2025
Frog and Toad Are Friends, at least according to a venerable children's book. And so are Jason (Crazy Town's resident biology nerd) and conservationist brothers, Kyle and Trevor Ritland, authors of The Golden Toad: An Ecological Mystery and the Search for a Lost Species. The three eco-explorers connect over wondrous habitats and critters in Costa Rica's cloud forest and swap stories that cover Lazarus species, global pandemics, self-taught naturalists, birding, and even pregnancy tests. Spliced into the nostalgia and stories are reflections on how to cope in a world where biodiversity is declining and how to regain the connections that modernity has severed between humanity and wild nature. Originally recorded on 10/9/25.Sources/Links/Notes:Kyle and Trevor Ritland, The Golden Toad: An Ecological Mystery and the Search for a Lost Species, Diversion Books, 2025.Adventure Term, Kyle and Trevor's nonprofit experiential learning initiativeRelated episode(s) of Crazy Town:Episode 40, "Nature Detachment and Ecocide, or… the Story of the Marauding Mountain Lion"Episode 49, "A Day at the Zoo Is No Walk in the Park: Humanity's Overexploitation of Animals and Nature"
"At age 75, we fall off a cliff," Dr. Peter Attia warned on 60 Minutes last week—and his solution is training like a professional athlete for your "Centenarian Decathlon," the 10 things you want to do at age 100. But his approach calls for full-body MRIs, experimental drugs, and hours of daily training that most midlife women juggling full lives often can't swing. Today's episode reveals a more accessible path: identify what matters most to you, apply the 150% rule, and incorporate movement, more protein and emotional health awareness into a health span plan that's doable and right for you! LET'S TALK THE WALK! Join here for support, motivation and fun! Wellness While Walking Facebook page Walking to Wellness Together Facebook GROUP Wellness While Walking on Instagram Wellness While Walking on Threads Wellness While Walking on Twitter Wellness While Walking website for show notes and other information wellnesswhilewalking@gmail.com RESOURCES AND SOURCES (some links may be affiliate links) Outlive: The Science and Art of Longevity, Peter Attia MD Peter Attia Podcast Videos on Stability WWW Ep. 146: Health Documentaries, Demystified HOW TO RATE AND REVIEW WELLNESS WHILE WALKING How to Leave a Review on Apple Podcasts on Your iOS Device 1. Open Apple Podcast App (purple app icon that says Podcasts). 2. Go to the icons at the bottom of the screen and choose "search" 3. Search for "Wellness While Walking" 4. Click on the SHOW, not the episode. 5. Scroll all the way down to "Ratings and Reviews" section 6. Click on "Write a Review" (if you don't see that option, click on "See All" first) 7. Then you will be able to rate the show on a five-star scale (5 is highest rating) and write a review! 8. Thank you! I so appreciate this! How to Leave a Review on Apple Podcasts on a Computer 1. Visit Wellness While Walking page on Apple Podcasts in your web browser (search for Apple Podcasts or click here) https://www.apple.com/apple-podcasts/ 2. Click on "Listen on Apple Podcasts" or "Open the App" 3. This will open Apple Podcasts and put in search bar at top left "Wellness While Walking" 4. This should bring you to the show, not a particular episode – click on the show's artwork 5. Scroll down until you see "Rating and Reviews" 6. Click on "See All" all the way to the right, near the Ratings and Review Section and its bar chart 7. To leave a written review, please click on "Write a Review" 8. You'll be able to leave a review, along with a title for it, plus you'll be able to rate the show on the 5-star scale (with 5 being the highest rating) 9. Thank you so very much!! OTHER APPS WHERE RATINGS OR REVIEWS ARE POSSIBLE Spotify Goodpods Overcast (if you star certain episodes, or every one, that will help others find the show) Castbox Podcast Addict Podchaser Podbean HOW TO SHARE WELLNESS WHILE WALKING Tell a friend or family member about Wellness While Walking, maybe while you're walking together or lamenting not feeling 100% Follow up with a quick text with more info, as noted below! (My favorite is pod.link/walking because it works with all the apps!) Screenshot a favorite episode playing on your phone and share to social media or to a friend via text or email! Wellness While Walking on Apple – click the up arrow to share with a friend via text or email, or share to social media Wellness While Walking on Spotify -- click the up arrow to share with a friend via text or email, or share to social media Use this universal link for any podcast app: pod.link/walking – give it to friends or share on social media Tell your pal about the Wellness While Walking website Thanks for listening and now for sharing! : ) DISCLAIMER Neither I nor many of my podcast guests are doctors or healthcare professionals of any kind, and nothing on this podcast or associated content should be considered medical advice. The information provided by Wellness While Walking Podcast and associated material, by Whole Life Workshop and by Bermuda Road Wellness LLC is for informational and entertainment purposes only. It is not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or other qualified health care provider with any questions you may have regarding a medical condition or treatment, and before undertaking a new health care regimen, including walking. Thanks for listening to Wellness While Walking, a walking podcast and a "best podcast for walking"!
Front desks are evolving fast. Search behavior is changing even faster. Hospitality is staring at a major technology turning point — and those who move now will own the next era of bookings. I connected with Bill Ryan, Chief Technology Officer at BWH Hotels, to talk about how the company is modernizing its tech stack, reducing training time, simplifying payments, and preparing for a future where travelers begin planning inside AI platforms like ChatGPT and Perplexity. We break it all down on #NoVacancyNews, including how intuitive systems free staff to focus on guests, why one-day onboarding matters for retention, and what it takes for hotel brands to become discoverable in AI-driven search. This is a moment to use technology to amplify hospitality, not replace it.
Craig, Chris, and Raphie come to you on the Monday after the World Series, as player option decisions and free agency announcements come across the wire.Want to get this show and tons of others early and ad-free? Plus access to our vaunted PHT Discord server and more? Become a patron at patreon.com/padreshottub
You've built something impressive. From the outside, it all looks good. But if you're honest with yourself, you've been playing small. Making things look perfect so no one sees the truth underneath. Smiling through the exhaustion. Saying "I'm just" when someone recognizes your power. Shrinking yourself so others feel comfortable. Today's guest knows this pattern intimately because she lived it for years. Sarah Albritton has spent over 30 years as the trusted catalyst for high-impact leaders who've achieved massive success but know something's still missing. She works with CEOs, founders, and senior executives who look unstoppable from the outside yet privately feel their compass spinning. Her clients include billion-dollar business leaders and visionary founders who've realized the old playbook isn't working anymore. But before she was coaching the world's most accomplished leaders, Sarah was the woman who made everything look perfect while quietly crumbling inside. The high achiever with imposter syndrome who spent 20 years in a marriage where she wasn't fully present. The capable woman who carried chronic back pain because her body was screaming what she wouldn't say out loud. The leader who walked into rooms full of elite coaches and heard herself say "I'm just a coach here, just like everybody else" in that high-pitched little voice, watching doors close behind people's eyes. Until the day she couldn't keep playing small anymore. In this raw, vulnerable conversation, Sarah reveals what it actually costs to make things look perfect when you're not being real. The physical pain her body carried from years of inauthenticity. The devastating betrayal when her entire friend group turned on her during her divorce, not just walking away but actively trying to destroy her. The moment at a coaching seminar when she caught herself shrinking and made the conscious choice to show up bigger. And how learning to treat her body as her hero instead of her villain changed everything. In this conversation, Sarah shares: The real cost of playing small: how making things look perfect on the outside creates chronic pain, exhaustion, and a complete erosion of self-trust Why imposter syndrome isn't humility, it's hiding your power, and the exact moment she chose to stop shrinking What happens to your body when you spend years being inauthentic (and why her chronic back pain disappeared the moment she got real) The difference between corporate leaders who've been conditioned not to trust themselves and entrepreneurs who struggle to trust anyone else Why "who, question mark, me, exclamation point" is the energy shift that changes everything The devastating cost of betrayal and how therapy helped her see that other people's reactions to her getting real had nothing to do with her What her 15-year-old son said that made her realize the gift of getting real: "When you decided to get real, you made it possible for the rest of us to get real" How she went from chasing dean positions and status to redefining success as "not needing a definition of success" Why humans are terrible judges of their own impact and what becomes available when you stop needing proof The work she's building now: Leading with Backbone, helping both business leaders and coaches show up courageously instead of hiding behind neutrality This episode is for you if you've ever: Caught yourself saying "I'm just" when someone recognized your power or capability Made everything look perfect on the outside while quietly crumbling on the inside Felt chronic pain, exhaustion, or physical symptoms you can't explain (and wondered if your body is trying to tell you something) Played small so others would feel comfortable, then resented yourself for shrinking Built a life that looks impressive but doesn't feel real, doesn't feel like you Lost trust in yourself after betrayal and wondered if you'll ever feel safe again Known you're capable of so much more but kept yourself small to stay safe Wondered what would happen if you actually showed up as big as you really are Sarah Albritton is a transformational coach and leadership catalyst who has spent over 30 years working with the world's most accomplished leaders. She's known for her rare ability to deliver what she calls "catalytic jolts of clarity," helping CEOs, founders, and senior executives torch limiting patterns and reclaim aligned leadership. Working from deep 1:1 coaching to transformative team sessions to soul-awakening retreats at her North Carolina farm, Sarah balances self-compassion with radical candor and a refusal to sugarcoat. Her new program, Leading with Backbone, helps both business leaders and coaches show up courageously with truth. Find her at sarahcalbritton.com and on LinkedIn and Instagram @sarahcalbritton. Ready to stop playing small? If Sarah's story hit close to home, it's because you're living some version of it right now. You've built something that looks good on the outside. People think you have it together. But you know the truth. You're playing smaller than you're capable of. Making things look perfect so no one sees how exhausted you really are. Shrinking yourself so others feel comfortable while your body carries the weight of everything you're not saying. Here's what that costs you: your energy, your presence, your health, your relationships, and your ability to actually feel the success you've built. You collapse into bed exhausted but can't sleep because your mind won't stop racing. You snap at the people you love most, then feel guilty for not being present. You know you should take better care of yourself but you always run out of time and energy. You've built a life people admire but inside it doesn't feel congruent. The Congruency Audit is where we look at the gap between the success you've built on the outside and what you're actually feeling on the inside. We'll identify the exact patterns keeping you stuck in playing small, the wounds driving your need to make things look perfect, and what it's going to take for you to finally show up as big as you actually are. This isn't about optimizing the version of yourself you built to survive. It's about creating congruence so the life you've built doesn't just look good, it finally feels right. Book your Congruency Audit: lisacarpenter.ca/audit Success that feels as good on the inside as it looks on the outside. If you listen on Spotify: Open the Spotify app on your phone. Search for Lisa Carpenter and open her podcast page. Tap the three dots under the podcast description. Choose Rate show from the menu. Select your star rating and tap Submit.
Do you assume that your mother-in-law / daughter-in-law relationship is doomed to fail? Are you avoiding her and pulling away?In this conversation, Stacey Reaoch joins me to explore the complex relationship between mother-in-law and daughter-in-law. Sharing thoughts from her book, Making Room for Her, Stacey and I talk about some breakthrough practices from the Bible to create connection and cultivate love.Judgy SeriesGuest: Stacy ReaochGet your Free Resource: 20 Page WorkbookRecommended Resources: Check out Shannon's Amazon Storefront HEREResound Media Network: www.ResoundMedia.ccMusic: Cade PopkinStacy's BioStacy Reaoch is an author, mom of four and has been married to her pastor husband, Ben, for 25 years. Stacy is passionate about studying the Bible and helping women apply Gospel truths to daily life through Bible study, discipleship and writing. She and Ben enjoy serving together at Three Rivers Grace Church in Pittsburgh, PA. Stacy's writing has been featured on various websites including Desiring God, The Gospel Coalition and Revive Our Hearts. Stacy is the author of Beautiful Freedom- How the Bible Shapes Your View of Appearance, Food and Fitness and is the co-author (along with her mother-in-law, Barbara) of Making Room for Her: Biblical Wisdom for a Healthier Relationship with Your Mother-In-Law or Daughter-In-Law.Connect with StacyInstagramFacebookWebsiteCheck out more episodes in the Judgy Series.Get your Free Live Like It's True Workbook.Check out Resound Media. Search by Section of the Bible or Series! We've now made it easy for you to search for an episode on a particular story of the Bible. Download your FREE Live Like it's true Workbook. Here are Shannon's favorite tools for studying the narrative sections of your Bible on your own, or with friends. Learn more at ShannonPopkin.com.
Voices of Search // A Search Engine Optimization (SEO) & Content Marketing Podcast
AI agents will dominate web navigation within two years. Killian Dunne from Telepathic, an AI search specialist, advocates for maintaining SEO fundamentals before advancing to agent optimization strategies. The discussion covers the critical foundation of indexation and crawlability requirements, plus the strategic sequencing framework for transitioning from traditional SEO to AI agent optimization at enterprise scale.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this must-listen follow-up episode, Crystal Waddell is joined again by Marketing Director Garrett Sussman to unpack the fast-evolving world of SEO, GEO (Generative Engine Optimization), and the iPull Rank conception of "Relevance Engineering." From the power of Retrieval-Augmented Generation (RAG) to how AI is rewriting what it means to be "searchable," this episode dives deep into the shifts that matter most for small businesses and marketers. Discover how to test AI's understanding of your brand, stay competitive in fractured discovery environments, and leverage “happy accidents” for product innovation.
During the civil lawsuit filed by Virginia Giuffre against Prince Andrew, the Duke's legal team was widely mocked for appearing to scrape the bottom of the barrel in search of credible character witnesses. Instead of producing anyone with real moral weight or first-hand knowledge to vouch for him, Andrew's defense relied on weak, contradictory claims — including his infamous “I don't sweat” explanation and statements attempting to discredit Giuffre's recollection of events. His lawyers even sought broad discovery into Giuffre's past finances, social life, and mental health, a tactic viewed by many as desperate and irrelevant. The strategy looked less like a robust defense and more like an attempt to sling mud in the absence of evidence or credible allies willing to stand beside him.Observers noted that the Duke's inability to produce legitimate witnesses spoke volumes about his crumbling credibility and isolation. Instead of respected public figures, his legal team leaned on peripheral associates and technical arguments that only underscored how far he had fallen from royal grace. Even the court pressed for testimony from Giuffre's husband and psychologist — a clear sign that Andrew's side had failed to offer anyone of substance. By the time the case was heading toward trial, the optics were catastrophic: a once-powerful prince reduced to scavenging for defenders while the walls of public opinion and legal scrutiny closed in around him.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
Erin Spradlin and James Carlson directly address how Trump administration's 2025 policies are impacting real estate markets—while making clear that economics aren't their biggest concern.
Jack Pertschuck, former Principal Engineer at Pinecone, discusses what vector databases are and why they matter for AI and search applications. He also discusses the challenges of communicating the value of this technology when the problem isn't widely understood. Key Takeaways: Advice for teams looking to adopt vector search technology The importance of hybrid and cascading retrieval methods The significance of context engineering and evaluation metrics in AI systems How Pinecone is democratizing vector database technology for AI and machine learning applications Guest Bio: Jack Pertschuk is a former Principal Engineer with Pinecone, the market leader in vector databases. As the company's founding engineer and lead for algorithms, applied research, and platform, Jack is responsible for the roadmap and execution across research and engineering for search index efficiency and accuracy. Prior to Pinecone, Jack was a founder of SidekickQA and creator of the NBoost open source neural ranking engine. He is an active member of the Rust and Information Retrieval research community, and is passionate about solving problems at the intersection of ML and systems. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte
In this episode, we dive into the massive shift impacting online sellers as shoppers use ChatGPT and other AI search tools for product discovery. Erik Wikander, CEO and co-founder of Wilgot.ai, unpacks the concept of agentic commerce — where AI completes the end-to-end purchase for the user. He shares what this revolution means for D2C brands, why the old SEO playbook is dead, and how to use Agentic Product Optimization to make your product content AI-ready and capture new, hyper-relevant customers.Topics discussed in this episode: Why a major disruption is coming to Google search.What agentic commerce is and how it changes how we buy.Why the old e-commerce SEO playbook no longer works.How AI fan-out search runs hundreds of searches from one query.Why brands must now optimize for context instead of human clicks.How smaller brands can use this shift to outrun bigger competitors.What's changing about paid search ads in the age of AI.Links & Resources Website: https://www.wilgot.ai/LinkedIn: https://www.linkedin.com/in/erikwikander/Get access to more free resources by visiting the show notes at https://tinyurl.com/yrsu7srx______________________________________________________ LOVE THE SHOW? HERE ARE THE NEXT STEPS! Follow the podcast to get every bonus episode. Tap follow now and don't miss out! Rate & Review: Help others discover the show by rating the show on Apple Podcasts at https://tinyurl.com/ecb-apple-podcasts Join our Free Newsletter: https://newsletter.ecommercecoffeebreak.com/ Support The Show On Patreon: https://www.patreon.com/EcommerceCoffeeBreak Partner with us: https://ecommercecoffeebreak.com/partner-with-us/
As LTC Mike Erwin retired from active duty in 2010, he discovered a large number of fellow veterans who were longing for a community. And so, eager to provide a solution, he created Team Red, White & Blue (TeamRWB) to fill that void. Over the last fifteen years, this organization has put together over fifteen thousand events—everything from fun runs to chess meets—and has connected over a quarter-million veterans. Hosts LTG (Ret.) Leslie C. Smith and SMA (Ret.) Dan Dailey sit down with LTC (Ret.) Erwin, as well as TeamRWB's incoming Executive Director, COL (Ret.) Mike “Sully” Sullivan to discuss how their partnership was forged in steel during an operation in Iraq years ago, what's next for the organization, and how they felt seeing Sully's daughter win an Olympic medal last year. Guests: LTC Mike Erwin, U.S. Army Retired, Outgoing Executive Director, Team Red, White and Blue COL Michael "Sully" Sullivan, U.S. Army Retired, Incoming Executive Director, Team Red, White and Blue Has a member of the Army positively changed your life? Now is your chance to thank them publicly with a shoutout via our Hooah Hotline and have it possibly appear on an upcoming episode of AUSA's Army Matters podcast! AUSA's Army Matters podcast can also be heard on Wreaths Across America Radio on Monday at 8 pm Eastern. You can find Wreaths Across America Radio on the iHeart Radio app, the Audacy app, and the TuneIn app. Search the word Wreath. Donate: If you are interested in supporting AUSA's educational programs, such as this podcast, please visit www.ausa.org/donate. Feedback: How are we doing? Email us at podcast@ausa.org. Disclaimer: AUSA's Army Matters podcast primary purpose is to entertain. The podcast does not constitute advice or services. While guests are invited to listen, listeners please note that you are not being provided professional advice from the podcast or the guests. The views and opinions of our guests do not necessarily reflect the views of AUSA.
Send your text message - we'd love to hear from you!Join Carrie Kittinger, Sheryl Kloehr, and Veronica Scott as they tackle one of the toughest parts of faith: when God answers prayer with a "no."This episode of our Prayer Series dives into how to process disappointment, find wisdom in redirection, and understand that God is always working for our good—even when the answer is painful. We share how a supportive sisterhood helps us "stay in the gap," and look at powerful biblical examples, including Daniel and Paul's "thorn in the flesh."Learn more about iRefresh and Prayer Opportunities here:www.irefresh.netListen to our iRefresh Podcast on all major podcast platforms. Search "iRefresh" or click here: https://irefreshpodcast.buzzsprout.com/Connect with us here:https://www.facebook.com/irefresh/iRefresh Women's Community: https://www.facebook.com/groups/1947765645540754https://www.instagram.com/irefresh_net/https://www.pinterest.com/irefresh/Subscribe to our Newsletter here: https://www.irefresh.net/Subscribe to iRefresh Rumble here: https://rumble.com/c/c-380585Youtube: https://www.youtube.com/channel/UCs_yC9qeT6TuyXXIQScfkZgListen to more encouraging conversations on the iRefresh Podcast as we share real stories, practical faith, and inspiring testimonies to help you grow closer to God. Subscribe today so you never miss an episode, and join our community of women seeking to live prayer-filled, purposeful lives.
00:00 High Five.19:15 Russell Westbrook returned to Denver.33:35 Rockies GM search and Darren Rizzi comments.
In this second part of our conversation with Jim McParland, we move from the technical to the deeply personal. Jim opens up about the emotional weight of a career spent on the front lines of disaster — the moments that stay with you long after the noise fades, and the quiet burden carried by those who've seen the very worst of human tragedy. From the aftermath of catastrophic earthquakes to the heartbreak of lives lost despite every effort, Jim shares what it truly means to live with the memories that come from decades in rescue work.This episode pulls no punches. It explores the unseen toll of international deployments from the exhaustion, the moral weight of decision-making, and the struggle to switch off when you return home. It's raw, honest, and necessary listening for anyone who wants to understand the human side of Search and Rescue. This is the story behind the uniform and the second part of a powerful two-part episode with Jim McParland.Connect with Jim HEREAccess all episodes, documents, GIVEAWAYS & debriefs HEREPodcast Apparel, Hoodies, Flags, Mugs HEREPODCAST GIFT - FREE subscription to essential Firefighting publications HERE A big thanks to our partners for supporting this episode.GORE-TEX Professional ClothingMSA The Safety CompanyIDEXFIRE & EVACUATION SERVICE LTD HAIX Footwear - Get offical podcast discount on HAIX HEREXendurance - to hunt performance & endurance 20% off HERE with code ffp20Lyfe Linez - Get Functional Hydration FUEL for FIREFIGHTERS, Clean no sugar for daily hydration. 80% of people live dehydratedSend us a textSupport the show***The views expressed in this episode are those of the individual speakers. Our partners are not responsible for the content of this episode and does not warrant its accuracy or completeness.*** Please support the podcast and its future by clicking HERE and joining our Patreon Crew
Ehndo's Exploration Zone marks a natural continuation of the path he began with Genesis on Penumbrum earlier this year, one where rhythm, tone, and patience meet. Released via the Brussels-based imprint Empyrean Wave, the label's second release points toward a promising direction, an emerging platform attuned to subtle motion and refined design. The EP brings a quiet yet confident expansion of Ehndo's palette, joined by a remix from Australian producer Al Dente. Our premiere for today, “In Search,” embodies Ehndo's understated craft. Its percussive liquid flow and clean sound design move with quiet logic, each sound in service of a slow-building momentum that never quite tips over. Rather than pushing forward, it circles gracefully, inviting attention through small detail and restraint. The result feels less like a peak-time statement and more like an opening chapter that defines the mood to come. Exploration Zone is set for release on November 5. https://soundcloud.com/ehndomusic https://www.instagram.com/ehndo____/ https://soundcloud.com/empyrean-wave-943958516 https://www.instagram.com/empyreanwave/ Write up by @gilleswasserman Follow us on social media: https://soundcloud.com/itsdelayed https://linktr.ee/delayed https://www.delayed.nyc https://www.facebook.com/itsdelayed https://www.instagram.com/_____delayed https://www.youtube.com/@_____delayed Contact us: info@delayed.nyc
Michael Kosir and Kerim Satirli (developer advocates at HashiCorp, an IBM Company) discuss what's new in Terraform and Vault, including Terraform Stacks, Terraform Search, Terraform Actions as well as the future of agentic infrastructure automation with Project Infragraph. Podcast Notes: - https://www.hashicorp.com/en/blog/day-2-infrastructure-management-with-terraform-actions - https://www.youtube.com/watch?v=3P8MrvrHia4 - https://www.hashicorp.com/en/blog/building-intelligent-infrastructure-automation-with-hashicorp - https://developer.hashicorp.com/vault/docs/updates/release-notes
I recently read Viktor Frankl's book, “Man, Search for Meaning!” and I wanted to share some of the interesting points I found, especially about humor. It's fascinating how the word “meaning” has a double meaning, both positive and negative. Any kind of meaning has to have something to get through, which can be a bit tricky. Words like “rubble” and “trouble” come to mind - problems are often dangers with opportunities built in. The liberating idea is to find humor in every situation and become good at it. It's a great habit to develop: always ask yourself, “What humorous situation can come out of this?” or “What funny attack can I come up with?” Trust me, it's a powerful skill to be quick to be humorous and relieve the tension of yourself. One of the reasons I say I thank God for my mistakes is because I often say, “I thank God I'm a misfit.” At least I pour the omnipresent of God into my soul, mind, and brain, where the problem is trying to capture my soul. I catch it before it gets to my thinking. Thank God for this situation, thank God for what I did. I let God's presence come in and overwhelm me, rather than having the problem overwhelm my confidence. Let's not take ourselves too seriously, but to have fun every day with this life we've been given.
Search warrants have been executed at the home of Ashlee Buzzard as Vinnie Politan discusses updates in the search for missing 9-year-old Melodee Buzzard. #CourtTV - What do YOU think?Binge all episodes of #ClosingArguments here: https://www.courttv.com/trials/closing-arguments-with-vinnie-politan/Watch the full video episode here: https://youtu.be/7F2Q-bG8vdAWatch 24/7 Court TV LIVE Stream Today https://www.courttv.com/Join the Investigation Newsletter https://www.courttv.com/email/Court TV Podcast https://www.courttv.com/podcast/Join the Court TV Community to get access to perks:https://www.youtube.com/channel/UCo5E9pEhK_9kWG7-5HHcyRg/joinFOLLOW THE CASE:Facebook https://www.facebook.com/courttvTwitter/X https://twitter.com/CourtTVInstagram https://www.instagram.com/courttvnetwork/TikTok https://www.tiktok.com/@courttvliveYouTube https://www.youtube.com/c/COURTTVWATCH +140 FREE TRIALS IN THE COURT TV ARCHIVEhttps://www.courttv.com/trials/HOW TO FIND COURT TVhttps://www.courttv.com/where-to-watch/This episode of Closing Arguments Podcast was hosted by Vinnie Politan, produced by Kerry O'Connor and Robynn Love, and edited by Autumn Sewell. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
The future of search, using the exposure effect to build trust, and adapting your content strategy for 2026. ----- Welcome to episode 543 of The Food Blogger Pro Podcast! This week on the podcast, we're bringing our very own Emily Walker (Associate General Manager, Food Blogger Pro) back to chat with Bjork about the articles we shared in our latest blogging newsletter! Food Blogging News Roundtable: Black Friday Strategies, New Raptive Requirements, and a Guide to GEO for 2026 In this episode, Bjork Ostrom and Emily Walker discuss the latest articles from the Food Blogger Pro blogging newsletter. They talk about where digital marketing is headed and how to make sure your brand doesn't get left behind. Spoiler alert: If you're only focused on Google, you're missing out! Bjork and Emily break down the reality that users under 45 are looking for answers across an average of five different platforms (yes, we're talking TikTok, Reddit, and all the rest). We delve into the exposure effect, which is a fancy way of saying that the more consistently people see you in different places, the more they trust you. Tune in to learn why adapting your content (aka not just copying and pasting) to fit all of those channels is your biggest opportunity right now for brand discovery and building genuine credibility with your audience! Three episode takeaways: Search is multi-platform now: People under 45 are using an average of five platforms (hello, TikTok and Reddit!) to search for things. If your brand is only visible on one, you're missing out on serious discovery. Use the "exposure effect" to build trust: This concept shows that the more often people see your brand pop up across different channels, the more credible and trustworthy you become. Consistency is the key to building audience loyalty! Adapt your content strategy: Since readers are everywhere, your content has to evolve. You need to tailor your approach; think short-form videos, engaging in forum discussions, etc. to fit the specific demands of each platform for better engagement. Resources: Black Friday strategies that grow revenue, not your workload — Kit Must-Have Q4 Email Strategies to Grow Your List + Boost Traffic — Happy Subscribers Be sure to check out Allea's podcast, Happy Subscribers, here! Opening the door to more creators who meet Raptive quality standards — Raptive Creator Levels — Raptive Mediavine Mediavine Requirements Grocers List ManyChat How to plan for GEO in 2026 and evolve your search strategy — Search Engine Land Seven Sundays Google Tests "Analytics Advisor" Inside GA4, According To Reports — Search Engine Journal Join the Food Blogger Pro Podcast Facebook Group Thank you to our sponsors! This episode is sponsored by Yoast and Raptive. Learn more about our sponsors at foodbloggerpro.com/sponsors. Interested in working with us too? Learn more about our sponsorship opportunities and how to get started here. If you have any comments, questions, or suggestions for interviews, be sure to email them to podcast@foodbloggerpro.com. Learn more about joining the Food Blogger Pro community at foodbloggerpro.com/membership.
The AI Breakdown: Daily Artificial Intelligence News and Discussions
As OpenAI announces yet another mega deal—this time with Amazon—questions are growing about whether the company has become too big to fail. NLW unpacks Sam Altman's viral response to investor skepticism, explores the math behind OpenAI's $1.4 trillion in commitments, and looks at what “too big to fail” really means in an AI context. Plus, in the headlines: Coca-Cola's new AI-generated Christmas ad, ChatGPT's supposed ban on legal and medical advice, and a surprising twist in the global chip diplomacy race.Brought to you by:KPMG – Discover how AI is transforming possibility into reality. Tune into the new KPMG 'You Can with AI' podcast and unlock insights that will inform smarter decisions inside your enterprise. Listen now and start shaping your future with every episode. https://www.kpmg.us/AIpodcastsRovo - Unleash the potential of your team with AI-powered Search, Chat and Agents - https://rovo.com/AssemblyAI - The best way to build Voice AI apps - https://www.assemblyai.com/briefBlitzy.com - Go to https://blitzy.com/ to build enterprise software in days, not months Robots & Pencils - Cloud-native AI solutions that power results https://robotsandpencils.com/The Agent Readiness Audit from Superintelligent - Go to https://besuper.ai/ to request your company's agent readiness score.The AI Daily Brief helps you understand the most important news and discussions in AI. Subscribe to the podcast version of The AI Daily Brief wherever you listen: https://pod.link/1680633614Interested in sponsoring the show? sponsors@aidailybrief.ai
send us a text via Fan Mail!Martha, Martha: Distracted by many things (recorded in 2020): Moments that define us.religious experience (blog post)As an Amazon Associate I earn from qualifying purchases.Audible Premium Plus Monthly Membership (Limited time offer)Contact On Instagram at @make.joy.normal By email at makejoynormal@gmail.com Search podcast episodes by topic www.bonnielandry.ca Shop my recommended resources Thanks for listening to Make Joy Normal Podcast!
Think the secret to a sold-out launch is a perfect funnel or flawless content? Think again. In this week's episode, I'm sitting down with my client, Lindsey White, who just experienced her first-ever sold-out launch. We're getting real about the #1 thing that makes launching challenging...and it's not what you think. It's the conviction in your offer. We talk about how Lindsey reignited her excitement weeks before the launch even started, and why that internal shift was the non-negotiable precursor to her external success. We get into the nitty-gritty of: Lindsey's biggest fear going into the launch (and why she was afraid she had no "excuse" this time) How she battled the need for "perfect" content as a social media manager herself The mindset shift from hoping for 3 sales to believing 5 was possible If you've ever felt your excitement for an offer wane, or you're heading into a launch with some doubt, this conversation is your permission slip to do the inner work first. The results will follow. About Lindsey: Lindsey White is a social media manager, coach, and CEO of Magenta Strategies. She's on a mission to make social media feel easy and profitable for entrepreneurs. Lindsey provides done-for-you management, strategy guidance, and coaching that simplify what to post, where to show up, and how to turn engagement into income. Through hands-on management and clear, practical coaching, Lindsey guides clients to clarify their message, create magnetic content, and convert followers into customers without the overwhelm. Lindsey's approach blends data-backed strategy with authentic storytelling so clients show up confidently, stay consistent, and sell with ease. She helps entrepreneurs build sustainable strategies that translate daily content into dependable revenue. Want more from Lindsey? Be sure to join her Facebook group, Reaching Your Audience: Organic Marketing for Service-Based Entrepreneurs. Connect with me outside the podcast! Continue the conversation in the Market Like a Boss Facebook group. Give me 30 minutes and I'll show you how to add $5K–$10K/month…without adding a single hour to your schedule. Book your free Stability Audit now. Listen + Subscribe on ITUNES or STITCHER I'd greatly appreciate a podcast rating and review so that this podcast can reach more women! Search for the podcast in your podcast app (Market Like a Boss) Scroll down and click 5 stars Tap "Write a Review" & enter a brief review Press send
How To Lower Your ACoS in Amazon PPC starts here on That Amazon Ads Podcast.If Amazon PPC and Amazon Ads are draining profit, learn the two levers that cut ACoS fast without killing sales.Stephen and Andrew show a click-by-click system: lower CPC with precise bid and placement controls, and raise RPC by pruning non-converting traffic and reallocating to what converts.You'll see why sorting by highest ACoS fails, how to follow the spend, and where Top of Search multipliers, auto/broad, and negatives fit.We demo CPC vs RPC diagnostics (e.g., CPC up 10%, RPC down 10% → ~20% ACoS surge) and a Pareto workflow that fixes the few campaigns driving most spend.Watch now to master Amazon PPC inside That Amazon Ads Podcast, and bookmark this if you need a refresher on How To Lower Your ACoS in Amazon PPC with Amazon Ads.
Voices of Search // A Search Engine Optimization (SEO) & Content Marketing Podcast
Our software helps ecommerce brands build workflows that get them found in LLMsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Partner with TNP in helping people replace their hopelessness with hope through the $30 for 3 commitment! Do you believe that hope comes from knowing the Lord Jesus Christ? Do you believe that the Word of God is sufficient to transform sinners into saints? By donating $30 a month for 3 years and you can make an eternal impact in the lives of those we have the privilege of counseling. Create your recurring donation here.
In this episode of the “Bad Teachers” Series, Jim Chapman brings you into the case of Angela Comer, a Kentucky teacher who went on the run with her 14 year old student and made it all the way to Mexico.Timestamps:09:29 Teacher's Suspicions19:20 The Search for Justin and Angela26:42 Angela Comer's Legal Troubles28:37 A Disturbing CaseFollow “Crime Wire Weekly” on it's new channel HERE:Apple Podcasts https://podcasts.apple.com/us/podcast/the-crime-wire-weekly/id1815864889Spotify https://open.spotify.com/show/3zyrgjtW6gLUVbicJaYXV9?si=0dbf4983938344a2Amazon Music https://music.amazon.com/podcasts/3738411d-828e-4138-9976-223ab5de2c87/the-crime-wire-weeklyBecome a supporter of this podcast: https://www.spreaker.com/podcast/exposed-scandalous-files-of-the-elite--6073723/support.
Professor Hwansik Kim has been testing a variety of guns in search of the optimal gun. We talk through switching guns, gun weights, trigger preferences, belt setups and techniques that work well with any platform. Log into Practical Shooting Training Group to watch the video feed for the podcast, view the content linked in the show notes, and ask follow up questions at http://pstg.us/
Ignite Digital Marketing Podcast | Marketing Growth Tips | Alex Membrillo
In this episode of Ignite, Cardinal CEO Alex Membrillo sits down with Dane Titsworth, Manager of SEO & Digital Content at Ardent Health Services, for a must-listen conversation for healthcare marketers navigating the rapidly changing landscape of SEO and AI. You'll learn why accuracy, trust, and brand reputation are more important than ever, and how connecting with local teams and providers ensures your content truly reflects your services. By tuning in, you'll gain practical strategies to build a cohesive, authoritative digital presence that stands out in both traditional search and AI-driven recommendations—helping you educate patients, earn their trust, and drive real results in your market. RELATED RESOURCES Connect with Dane - https://www.linkedin.com/in/dane-t-b021a0b8/ Optimizing for AI Search: A New Era in Healthcare Marketing - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/optimizing-for-ai-search-a-new-era-in-healthcare-marketing/ How a Primary Care Provider Futureproofed Their SEO in an AI-Driven Search World - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/search-content-strategy-ai-landscape/ Privacy First: Marketing Technologies That Prioritize HIPAA Compliance - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/hipaa-compliant-martech/ Marketing + Operations: Why Total Alignment is Vital to Growth - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/healthcare-marketing-operations-alignment/
Send us a textScott, Giant Mike, Cardone and Novak recap yet another boring loss by the Giants and settle into apathy. Apathetic submission sums up how we react to both the Giants and the Jets this season. No hope. No reason to watch. Just pain! We give predictions and also list our Pet Peeves and then finish up with listener questions. Our website: www.angryfootballfans.com. Please check it out and subscribe to our pod.Download our podcast at Buzzsprout: https://www.buzzsprout.com/1358293Or wherever you get your podcasts. We are also now available on YouTube. Search for Three Angry Giants fans and subscribe to our channel.
Rev. James Harper preaches on Ecclesiastes 4:4-8 in our series, "The Search: Questions of Meaning and Purpose." Many people find their work unfulfilling despite professional success because they approach it from a worldly perspective. Ecclesiastes warns against two major pitfalls: creating identity through comparison with others and believing our achievements will provide lasting significance. God originally designed work to be meaningful and purposeful, but sin corrupted this plan. However, we can rediscover meaning by shifting our perspective from earthly to eternal purposes. This happens when we leverage our income for kingdom impact through generous giving, invest spiritually in the people around us, and volunteer our unique gifts in ministry. When we align our work with God's eternal kingdom, our daily jobs become platforms for lasting significance rather than empty pursuits.
The Rockies are re-starting their search for a President of Baseball Operations as their top front office candidates are no longer in running for the job. Why is the search starting over again? The NFL trade deadline is today at 2pm MT. What are the chances the Broncos make a deal and what position would they target? Plus, CU Buffs QB JuJu Lewis will make his first career college start on Saturday at West Virginia. Should Lewis play, even if he uses up his redshirt eligibility? How many of the final three games will the Buffaloes win? Eric and Bruce dive into all of it on a packed Tuesday edition of Hot Takes! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
出演者:藤原鞠菜 配信ペース:隔週火曜日 番組時間:平均40分 ——————————————————————— <各テーマ紹介>配信されるテーマは回によって異なります。 「ふつおた」・・・何でもありのお便りコーナー。投稿は毎日募集中!!!!! 「歴史秘話ウィステリア」・・・サークル曲の裏話など。 「まりにゃのこれな~んだ?」・・・音当てクイズ。 「まりにゃのオススメ」・・・オススメ商品をご紹介。 「はじおと」・・・「音楽」×「初めて」に関して語るコーナー。 (初めて買ったCD、初めて心を動かされた音楽、初めてカラオケで歌った曲等。) 「これかた」・・・テーマを決めて語る割とフリーダムなコーナー。 (テーマや語ってみた投稿募集中。) 「答えて、まりにゃ」・・・まりにゃへの質問募集中。 「トレンドなう」・・・収録時に開いたTwitterのリアルタイムトレンドについてコメント。 「まりにゃのTOP5」・・・思いついたら勝手にランキング。 「まりにゃのドキドキ質問箱」…twitter投稿になります。( https://peing.net/marinya_) 「みんなの答え合わせ」…twitterで出題するアンケートの結果報告。みんなに聞きたいこと募集中。 ——————————————————————— ——————————————————————— ■CD新作・出演告知など■ ★Wisteria Magic通販サイト「うぃすましょっぷ」★ wismashop.booth.pm/ 新作も旧作も全て送料込み! ★イオシスショップ様にて一部旧作を委託販売中!★ www.iosysshop.com/SHOP/list.php?Search=wisteria ★しがないレコーズのyoutube「しがない5分ショー」に出演してます。 藤原鞠菜は木曜日担当です。 https://www.youtube.com/channel/UCA_FmkoMu24R_6o3m3_Ulqg —– —– —– —– —– —– —– —– —– —– —– —– —– —– —– —– ・の〜すとらいく様の18禁PCゲーム 「女装百合畑/Trap Yuri Garden」にて、主題歌「優雅にヒロイン宣言」を担当させて頂きました。 ・TinklePosition様の18禁PCゲーム 「お兄ちゃん、朝までずっとギュッてして!夜までもっとエッチして!」 にて女未こはくちゃん(三女)のED曲担当させて頂きました。 ・TinklePosition様の18禁PCゲーム 「お兄ちゃん、朝までずっとギュッてして!」 にて女未こはくちゃん(三女)のED曲を担当させて頂きました。 —– —– —– —– —– —– —– —– —– —– —– —– —– —– —– —– ——————————————————————— この番組は音楽サークルWisteria Magicがお届けする番組です。 藤原鞠菜やサークルの過去または最新の活動内容につきましては 以下をチェックしてくださると嬉しいです♪ ・藤原鞠菜のTwitter( twitter.com/marinya_ ) ・藤原鞠菜のHP「ふじわらんど」( fujimari.com/ ) ・磯村カイのTwitter( twitter.com/isomurakai ) ・磯村カイのHP「TONAKAI soundworks」( https://soundworks.tonakaii.com/ ) 藤原鞠菜への贈り物の宛先 〒107-0052 東京都港区赤坂4-9-25 新東洋赤坂ビル10F レイズイン アカデミー気付 藤原鞠菜宛 VOICEVOX:ずんだもん VOICEVOX:四国めたん
In June 1964, a Fort Bend County farmer discovered a headless, handless torso in a roadside ditch — a killing so cleanly done that investigators said only someone trained in anatomy could have done it. Sheriff “Tiny” Gaston and the Texas Rangers searched for weeks, but the victim was never identified. Then, just months later, another scene shocked Texas — Room 636 of San Antonio's Sheraton Gunter Hotel, where blood coated the walls and floor but no body was found. The man who'd checked in under a false name vanished, only to turn up two days later dead by suicide in another downtown hotel. His name was Walter Audley Emerick — a drifter, forger, and former airman who may have been responsible for far more than the crime in that room.From the rice fields of Fort Bend County to the marble halls of the Gunter, this episode follows the grim trail of the 1960s Texas torso murders and asks whether the mystery that began in the Rio Grande ended that night with a .22 in Room 536 — or if the real killer was still out there.If you have any information about the Fort Bend Torso Case of 1964, please contact the Sheriff's Office there at (281) 341-4665.If you have any information about Walter Audley Emerick or his victim, please contact the San Antonio Police at (210) 207-7635.Sources: The Houston Post, The Houston Chronicle, The San Antonio Express-News, thegunterhotel.com, historichotels.orgYou can support gone cold and listen to the show ad-free at https://patreon.com/gonecoldpodcastFind us at https://www.gonecold.comFor Gone Cold merch, visit https://gonecold.dashery.comFollow gone cold on Facebook, Instagram, Threads, TikTok, YouTube, and X. Search @gonecoldpodcast at all or just click https://linknbio.com/gonecoldpodcast #SanAntonio #FortBendCounty #TX #Texas #TrueCrime #TexasTrueCrime #ColdCase #TrueCrimePodcast #Podcast #ColdCase #Unsolved #Murder #UnsolvedMurder #UnsolvedMysteries #Homicide #CrimeStories #PodcastRecommendations #CrimeJunkie #MysteryPodcast #TrueCrimeObsessed #CrimeDocs #InvestigationDiscovery #PodcastAddict #TrueCrimeFan #CriminalJustice #ForensicFilesBecome a supporter of this podcast: https://www.spreaker.com/podcast/gone-cold-texas-true-crime--3203003/support.
Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 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— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education, Keith Weinhold 0:28 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 Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:13 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 1:29 Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018 Keith Weinhold 1:51 Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to Keith Weinhold 2:01 Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around. Keith Weinhold 4:45 And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom. Keith Weinhold 6:22 Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner. Keith Weinhold 6:49 5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015 Keith Weinhold 8:09 But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue Keith Weinhold 10:41 the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14% Keith Weinhold 11:17 next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting. Keith Weinhold 12:13 Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29% Keith Weinhold 12:43 and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29% Keith Weinhold 13:09 the numbers don't lie. They just don't get enough attention on CNBC. Keith Weinhold 13:16 Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here. Keith Weinhold 14:16 Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something. Keith Weinhold 15:33 All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic. Keith Weinhold 16:06 A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon. Keith Weinhold 17:44 Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in. Keith Weinhold 18:21 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989, Keith Weinhold 19:32 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 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 prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com Kathy Fettke 20:05 this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. Keith Weinhold 20:14 I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show. Adam Schroeder 20:48 Thanks for having me on. I really appreciate it. Keith Weinhold 20:50 Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape? Adam Schroeder 21:30 Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market. Keith Weinhold 23:55 It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs? Adam Schroeder 24:55 We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC. Keith Weinhold 26:17 Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type. Adam Schroeder 26:30 A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can. Keith Weinhold 28:53 There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties. Adam Schroeder 29:20 Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there. Keith Weinhold 30:20 Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of. Adam Schroeder 31:09 Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life. Keith Weinhold 32:16 Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam. Adam Schroeder 33:29 one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050 Keith Weinhold 34:55 everyone's asking, when is it going to pass? California is the most populous state in the nation. Adam Schroeder 35:01 Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are. Keith Weinhold 36:46 100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive. Adam Schroeder 37:18 Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again Keith Weinhold 37:42 right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam Adam Schroeder 38:51 yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it. Keith Weinhold 39:41 This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week. Keith Weinhold 40:00 Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there Keith Weinhold 41:42 if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Unknown Speaker 43:17 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 you Keith Weinhold 43:45 The preceding program was brought to you by your home for wealth building, getricheducation.com
Josh is back with a vengeance after IRL tried to hold him down, and he assembles the Countdown crew to discuss Bronzebeard, the Turtle WoW vs. Blizzard lawsuit and a supposed 'leak' regarding Classic Plus.Buy Josh a beer & help keep Countdown on the airwaves over at Patreon here: https://www.patreon.com/joshcorbett Or if subscriptions aren't your thing, support Josh & Countdown by shouting him a one time beer here: https://ko-fi.com/countdowntoclassicCheck out Josh on YouTube for gameplay streams and live podcast recordings here:https://twitch.tv/countdownpodshttps://www.youtube.com/@countdowntoclassicJoin the Countdown To Classic discord here: https://discord.gg/83thqw2fBwListen To Josh & Jason's short lived rockumentary podcast, 'Best.Album.Ever' here: https://www.spreaker.com/podcast/best-album-ever--6195482Check out Josh's hilarious movie podcast here: https://open.spotify.com/show/469qUDnQHBkCogdjZyFUjb?si=jNgDTiEnSvKBbZuNz2xcxw
Michael Cromie is a former NCAA Division I golfer at the University of Georgia. After graduating from UGA, Mike played competitive golf for a short while, but pivoted away from the profession when PGA TOUR winner, Chris Kirk, hired him as a part-time caddy. After some quick success together Mike decided to become a full-time caddy for Kirk and the Georgia couple has been together for multiple seasons since. In late 2025 Mike also worked for Scottie Scheffler when Scottie won the BMW Championship, and he joins #OntheMark to share lessons from Kirk and Scheffler. Apart from insights as to how Scottie and Chris approach practice, course management, and mindset, Mike also talks about the following keys to better golf: The Biggest Mistake he sees Amateurs make - Carry Distance vs Total Distance and Distance Control. What PGA TOUR Professionals do well - Adapting to Variable Enviroments and Hitting the Ball Pin-high. Intensity and Purpose behind Preparation Trusting your Instincts Speaking Success Managing Ego Golf DNA and Understanding what you do Well Short-Game Practice and Variety Reading Greens and Putting, and Pre-and-Post Round Routines, and Pre-Shot Routines. This podcast is also available as a Vodcast on YouTube. Search and subscribe to Mark Immelman.
KNOWN AUDIO ISSUES TOWARDS THE END OF THE EPISODE, otherwise this is a perfect episode 10/10 no other episodes in the world of episodes can beat it---MAN OF RIVERFeaturing players: Ellinor DiLorenzo & Sydney AmanuelCreated by: Ellinor DiLorenzoPhotography: Xavier GuerraProduction Design: Sydney AmanuelArt by: Henrik Rosenborg, Johan Egerkrans, John Bauer, Kay NielsenMusic by: ZitronSound, Andreas Lundström, Magnus StinnerbomABOUT THE LOST MOUNTAIN SAGAIt all began with The Lost Mountain Saga, a narrative horror-comedy podcast set in the Mythic North of 19th-century Sweden. Led by game master Ellinor DiLorenzo and featuring Sydney Amanuel, Anne Richmond, Skid Maher, and Kiah Amara, the first season of 20 episodes gained over 200,000 downloads. The series was later adapted into an official Vaesen adventure book published by Free League Publishing, inspired by *Johan Egerkrans' Nordiska Väsen.FOLLOW & SUBSCRIBE
“Then Jesus entered the Temple and began to drive out the people selling animals for sacrifices. He said to them, ‘The Scriptures declare, “My Temple will be a house of prayer,” but you have turned it into a den of thieves.’” (Luke 19:45–46 NLT) In our next set of devotions, we’re going to look at ways to “tune up” our spiritual lives—ways to strengthen and mature our relationship with the Lord. And we’re going to start with some early spring cleaning. My wife, Cathe, and I are polar opposites when it comes to cleaning. My approach can be summed up by the procrastinator’s motto: Never do today what you can put off until tomorrow. Cathe’s approach is to constantly clean and organize so that over time, little messes don’t become big ones. Obviously, her approach is the better one. In Luke 19 we find the story of Jesus’ cleaning the house of God as He went into the temple and drove out the moneychangers. These temple merchants were taking advantage of people and keeping them from God, and this angered Jesus. This is the second time in Scripture that Jesus cleaned the temple. In John 2:13–17, we read that He used a whip to drive out the moneychangers. Little messes turn into big messes, so Jesus arrived to clean house again. I believe there is a parallel to our own lives. When we come to Christ initially, we ask for His forgiveness, and He pardons us of all our wrongdoing. In fact, we are told in 2 Corinthians 5:17, “This means that anyone who belongs to Christ has become a new person. The old life is gone; a new life has begun!” (NLT). What a wonderful thing it is to realize that God has forgiven us of all our sin. We are cleansed. But as time passes, sometimes some of our old sins find their way back into our lives. Maybe they start small. But they don’t stay that way. They begin to grow and take up bigger and bigger parts of our life until they become a serious problem. The longer we wait to address them, the harder the cleanup is. That’s why we must frequently examine our lives and deal with what we find instead of trying to excuse it. We must ask God to make us aware of things we may not see. We must also find accountability partners who will lovingly confront us when they see things in our lives that go against our Christian faith. The apostle Paul wrote, “Examine yourselves to see if your faith is genuine. Test yourselves. Surely you know that Jesus Christ is among you; if not, you have failed the test of genuine faith” (2 Corinthians 13:5 NLT). The psalmist wrote, “Search me, O God, and know my heart; test me and know my anxious thoughts. Point out anything in me that offends you, and lead me along the path of everlasting life” (Psalm 139:23–24 NLT). Does your temple need cleansing? Are there some things in your life that shouldn’t be there? Are there some vices, some bad habits that have found their way back into your life? If so, deal with them now. Don’t let little messes turn into big ones. Reflection question: What are some little messes that you need to clean up in your life? Discuss Today's Devo in Harvest Discipleship! — The audio production of the podcast "Daily Devotions from Greg Laurie" utilizes Generative AI technology. This allows us to deliver consistent, high-quality content while preserving Harvest's mission to "know God and make Him known."All devotional content is written and owned by Pastor Greg Laurie. Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.