Podcasts about Secondary

A comprehensive preview of the 2025 Kansas City Chiefs! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Sponsored by SeatGeek! Use my code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/TFG10 *Restrictions apply. Max $20 discount! Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Andy Reid / Offense 2:36 Coach & Scheme – Steve Spagnuolo / Offense 9:23 Quarterback 17:31 Weapons 24:15 Backfield 43:04 O-Line 47:04 Offensive Summary 56:16 Defensive Line 57:07 Linebackers 1:10:28 Secondary 1:18:46 Defensive Summary 1:31:48 Special Teams & Team Summary 1:32:22 Schedule & Win Total Projections 1:36:37

Big O talks Dolphins Defense 082825

Andy and Randy talk about Raheem Morris announcing Xavier Watts and Billy Bowman as starting members of the Atlanta Falcons secondary.

92.9 The Game Atlanta Falcons Reporter Joe Patrick speaks about the return of Darnell Mooney to Falcons practice today, the rookies named starters in the secondary, the Falcons defense possibly being able to create turnovers as the risk of allowing big plays, the plans at Right Tackle with Kaleb McGary out, and if that injury changes his outlook for the Falcons season.

In Hour 3, Andy and Randy talk about Week 1 in College Football starting tonight, some Falcons news announced by Raheem Morris this morning, Joe Patrick joins to chat Falcons, and the AMA.

Something To Think About Series #260 Thought of the day from Venerable Robina Courtin

A September Fed rate cut could bring mortgage relief, but investors shouldn't celebrate too soon. Soaring insurance premiums, rising construction and maintenance costs, higher energy bills, and record home prices continue to squeeze affordability. In this episode, we unpack why the true cost of ownership is still climbing, how tariffs are adding tens of thousands to construction projects, and what landlords need to know about passing costs onto tenants in today's fragile rental market. Learn more about your ad choices. Visit megaphone.fm/adchoices

A comprehensive preview of the 2025 Los Angeles Rams! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Use Promocode: "TFG" On Underdog For a Bonus Match! https://bit.ly/3vbmeUG Must be 18+ (21+MA & AZ, 19+ AL, NE). Concerned with your play? Call 1-800-GAMBLER; For additional resources please visit https://underdogfantasy.com/responsible-gaming-resources Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Sean McVay Offense 2:03 Coach & Scheme – Chris Shula / Offense 8:27 Quarterback 16:19 Weapons 24:33 Backfield 45:19 O-Line 53:12 Offensive Summary 1:05:51 Defensive Line 1:06:35 Linebackers 1:32:23 Secondary 1:39:21 Defensive Summary 1:48:54 Special Teams & Team Summary 1:49:37 Schedule & Win Total Projections 1:52:42

On this week's OPPOSITION TERRITORY pod, we're diving into the Baltimore Ravens and what their upcoming 2025 season may look like. This team and organization have certainly remained relevant in the AFC thanks to a strong defense, a quarterback who continues to dazzle during the regular season, and a running back who is at the top of his game. This week, Joshua Reed from Baltimore Ravens at S.I. joined us for a great discussion!Topics Josh and Jeff dove into:- What has been the overall vision for the Ravens continued success during the offseason?- Can QB Lamar Jackson put to rest his postseason snafus this year?- Does this Ravens team have any depth issues as they remain one of the deepest in the league, especially on defense?- What is the biggest concern for the Ravens as they head into this 2025 season?All of this and much more during this week's Opposition Territory show!SUBSCRIBE on YouTube: youtube.com/@thephiladelphiasportstableHead over to our website for all of our podcasts and more: philadelphiasportstable.comFollow us on BlueSky:Jeff: @jeffwarren.bsky.socialErik: @brickpollitt.bsky.socialFollow us on Threads:Jeff: @mrjeffwarrenErik: @slen1023The Show: @philadelphiasportstableFollow us on Twitter/X:Jeff: @Jeffrey_WarrenErik: @BrickPollittThe Show: @PhiladelphiaPSTFollow us on Instagram:Jeff: @mrjeffwarrenErik: @slen1023The Show: @philadelphiasportstable.Follow Jeff on TikTok: @mrjeffwarrenFollow us on Facebook: facebook.com/PhiladelphiaSportsTable

Interview starts at 30:10   Chris Cottrell joins us for a great chat about geological science, the battle over the Carolina Bays, the catastrophic event, the new science of 'impacts', solar storms, geo magnetic pole reversal, the new measurement tools like game changing Lidar, and the Younger Dryas.   We also talk about melt glass, the Cosmic Summit, antarctica, what happened between the melt water pulses, sea level rise and much more.   Chris Cottrell is an independent researcher, geoscience enthusiast, and creator of the YouTube channel "Dabbler's Den." A high school science teacher in Kingsland, Georgia, he is recognized for his in-depth investigations into Earth's geological anomalies, particularly the enigmatic Carolina Bays. , Chris bridges mainstream geology and alternative theories, engaging a global audience with his meticulous research and passion for uncovering Earth's mysteries.   https://x.com/DabblersDen https://www.youtube.com/@DabblersDen   cintos.org Become a Lord or Lady with 1k donations over time. And a Noble with any donation. Leave Serfdom behind and help Grimerica stick to 0 ads and sponsors and fully listener supported. Thanks for listening!! Help support the show, because we can't do it without ya. https://www.amazon.com/Unlearned-School-Failed-What-About/dp/1998704904/ref=sr_1_3?sr=8-3   Support the show directly: https://grimericacbd.com/ CBD / THC Gummies and Tinctures http://www.grimerica.ca/support https://www.patreon.com/grimerica http://www.grimericaoutlawed.ca/support www.Rokfin.com/Grimerica   https://www.eventbrite.com/e/experience-the-ultimate-hunting-adventure-in-alberta-canada-tickets-1077654175649?aff=ebdsshcopyurl&utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=organizer-profile&utm-share-source=organizer-profile   The Eh- List site. Canadian Propaganda Deconstruction https://eh-list.ca/ The Eh-List YouTube Channel: https://youtube.com/@theeh-list?si=d_ThkEYAK6UG_hGX Adultbrain Audiobook YouTube Channel: https://www.youtube.com/@adultbrainaudiobookpublishing https://grimericaoutlawed.ca/The newer controversial Grimerica Outlawed Grimerica Show Check out our next trip/conference/meetup - Contact at the Cabin www.contactatthecabin.com Our audio book website: www.adultbrain.ca www.grimerica.ca/shrooms and Micro Dosing Darren's book www.acanadianshame.ca Grimerica on Rumble: https://rumble.com/c/c-2312992 Join the chat / hangout with a bunch of fellow Grimericans Https://t.me.grimerica https://www.guilded.gg/i/EvxJ44rk   Leave a review on iTunes and/or Stitcher: https://itunes.apple.com/ca/podcast/grimerica-outlawed http://www.stitcher.com/podcast/grimerica-outlawed Sign up for our newsletter https://grimerica.substack.com/ SPAM Graham = and send him your synchronicities, feedback, strange experiences and psychedelic trip reports!! graham@grimerica.com InstaGRAM https://www.instagram.com/the_grimerica_show_podcast/ Tweet Darren https://twitter.com/Grimerica Can't. Darren is still deleted. Purchase swag, with partial proceeds donated to the show: www.grimerica.ca/swag Send us a postcard or letter http://www.grimerica.ca/contact/ Episode ART - Napolean Duheme's site http://www.lostbreadcomic.com/ MUSIC https://brokeforfree.bandcamp.com/ - Something Old Felix's Site sirfelix.bandcamp.com - Should I

"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Iowa State's Secondary is Elite, Brian Hardin talks Dawgs Football, and Will Cal Raliegh overtake Judge? T H2

Mike, Richie and Alec talk to Cam Robertson, the sports editor of the Athens Messenger to break down the matchup between Rutgers and Ohio. They touch on... 2024 Ohio Bobcats (1st MAC Title since 1968) (1:00) Vibes around the program (4:00) Coaching Change (Brian Smith new coach, Tim Albin to Charlotte) (6:00) Ohio EDGE Bradley Weaver to Rutgers (8:00) Injuries (11:00) Ohio Bobcats Offense Quarterback (12:00) Running Backs (13:00) Wide Receivers (15:00) Offensive Line (17:00) Breakout candidate on Offense (20:30) Biggest area of concern (22:00) Ohio Bobcats Defense Defensive Line (23:30) Linebackers (30:00) Secondary (34:00) Breakout Candidate (37:00) SPECIAL TEAMS (38:00) NIL in the MAC? (42:00) Game Predictions (44:00)

Host Gary J. Ross speaks with Ruth Jin, Partner at Mintz Levin, about GP-led secondary transactions, in which a general partner of a fund initiates a sale of one (or more) of its portfolio companies to a new fund, called a continuation vehicle (CV), which is typically managed by the same GP. Ruth describes the setting up and marketing of the continuation vehicle, and the options given to the current fund's limited partners. Gary and Ruth spend significant time on the conflict of interest issues, and how they are mitigated. Ruth also touches on the necessary disclosures that must be made in the CV's offering documents.

9-10am Hour 4 - Jeremy White and Joe DiBiase talk about the future of Cole Bishop in the Bills secondary and if he can be an effective starting safety for him in the 2025 season. They discuss other potential options for the Bills and if the Bills need more help. They also talk about the best hats at WGR and The Hat Bracket. They also talk about different weird things that golfers do and the latest on Bills cuts.

Colts cuts tough to predict at tight end! Ballard trades precious pick to acquire promising former third rounder at CB! Trey Hendrickson gets one year bump! Joe Mixon to miss first four weeks for Texans. Cubs play in SF tonight! Fever host Storm at 7p. Here is the link for the only autobiography ever published without a word of praise for its author: https://www.amazon.com/Oops-Art-Learning-Mistakes-Adventures/dp/173420740X Contest rules: https://kentsterling.com/2025/07/03/rule-for-kent-sterling-conest/

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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.  You get paid first: Text FAMILY to 66866 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   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates 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 in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

A comprehensive preview of the 2025 Tampa Bay Buccaneers! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Everyone be sure to follow Trevor's great work over at Pro Football Focus (PFF) as well as the NFL Stock Exchange! Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Todd Bowles / Defense 2:00 Coach & Scheme – Josh Grizzard / Offense 11:32 Quarterback 16:19 Weapons 23:21 Backfield 39:25 O-Line 46:28 Offensive Summary 57:58 Defensive Line 59:00 Linebackers 1:16:58 Secondary 1:23:58 Defensive Summary 1:36:26 Special Teams 1:38:05 Interview With Trevor Sikkema 1:39:12 Team Summary 2:08:35 Schedule & Win Total Projections 2:10:42

12pm Hour 2: What are the concerns for the Bills in the safety room

When the multifamily market started showing cracks, Cyndi Peach pivoted—right into strip malls. With more than a decade of experience, she's mastered the art of finding overlooked retail centers in secondary markets and turning them into high-performing investments. In this episode, Cyndi shares why she shifted from multifamily to retail, how she optimizes underperforming properties, and why a good tenant mix is critical for long-term success. She also walks us through a couple of real-life deals—showing how small improvements and strategic leasing can dramatically boost a property's NOI and value. Whether you're a seasoned investor or exploring alternatives to apartments, you'll discover why strip centers can offer stability, built-in appreciation, and consistent returns—even in shifting markets. What You'll Learn in This Episode: How retail strip centers compare to multifamily in stability and income potential Cyndi's process for finding and acquiring off-market deals Lease optimization strategies to boost NOI without rent hikes Why tenant mix is more important than you think Creative marketing ideas to fill vacancies faster - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

In this encore episode, we detail the oral-gut microbiota axis, detailing the oral microbiome and its relationship with the intestinal microbiome. We discuss the development of oral biofilm, the transition from plaque to dental calculus, and potential impacts of oral dysbiosis, while highlighting intestinal health and focusing on Fusobacterium nucleatum. Topics:1. Overview of the Oral Microbiome and the Oral-Gut Axis - The oral cavity and the gut: microbially dense sites. - Anatomically distinct but connected and capable of influencing each other. - The oral microbiome. - Microbial distribution: topography and chemistry of oral surfaces. 2. Oral Cavity Anatomy and Microenvironments - The vestibule and oral cavity proper. - Lined by oral mucosa, which varies in structure. - Unique ecological niches that support different microbial populations. 3. Tooth Structure and Relevance to Microbial Colonization - Teeth are embedded in the alveolar processes of the maxilla and mandible. - Tooth structure. - Long-term microbial colonization and biofilm development. 4. Biofilm / Dental Plaque Development - Biofilm begins with the formation of the acquired pellicle.- Pioneer species secreting extracellular polymeric substances (EPS).- Secondary colonizers coaggregate.- Coaggregation is species-specific.- Example.- Aerobes can lower local oxygen levels, creating micro anaerobic niches that support obligate anaerobes. 5. Maturation of the Biofilm  - Biofilm composition shifting to anaerobic, proteolytic species such as P. gingivalis. - F. nucleatum: a bridge species. 6. Mineralization and Formation of Dental Calculus - Mineralization, calcium and phosphate deposition. - Dental calculus. 7. Oral Dysbiosis  - An imbalance in the oral microbial community. - Potential signs and symptoms. - Halitosis, swollen or bleeding gums, tooth sensitivity. 8. Oral-Gut Axis and Systemic Implications - Physical, chemical, biochemical, and immunological barriers aid in preventing oral bacteria from colonizing the gut. - Oral bacteria can potentially impact intestinal health. -  F. nucleatum and IBD. 9. Oral Microbiome Testing10. Multi-Factorial Thank you to our episode sponsors: 1. ⁠⁠⁠⁠⁠OmneDiem®'s⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Histamine Digest®⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠Histamine Digest® PureMAX⁠⁠⁠⁠⁠ : Use code STXAL9VI for 15% off.2. ⁠⁠⁠⁠⁠Histamine Digest® Histamine Complete⁠⁠⁠⁠⁠ with DAO, Vitamin C, Quercetin, Bromelain, and Stinging Nettle Root Extract: Use code STXAL9VI for 15% off.3. ⁠Codex Labs⁠: Explore Codex Labs' collections for ⁠acne⁠, ⁠eczema⁠, and more. Shop the ⁠BIA Collection HereGet Chloe's Book Today! "⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠75 Gut-Healing Strategies & Biohacks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠" Follow Chloe on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@synthesisofwellness⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠synthesisofwellness.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

7-8am Hour 2 - Joe DiBiase talks with Sal Capaccio about the latest from Bills practice as the preseason winds down. They talk at length about Tre White's injury and if it could affect his play long term and how it impacts the Bills secondary. Joe also talks about players for the Bills who could breakout this season whether they're entering their rookie season or second year. He discusses which player would make fans most excited if they have a great season.

In this episode, Rob & DT are joined by longtime friend of the show, Scott Frey to breakdown the news of the week as Tre White suffers an undisclosed injury that has Bills Mafia on the edge of our seats awaiting the final results. What do the Bills do at CB2 if Tre is out for an extended period of time? Is it time to go sign a free agent either way with Max Hairston's injury? The fellas then pick the 53 man roster and to DT's surprise, it was relatively chalk. Will the real roster reflect that on Tuesday after cutdown day?Finally, they discuss this week's latest episode of Hard Knocks which was universally praised as the best yet. Rob loved the behind the scenes look with both coordinators interacting which their respective coaching staffs. DT found out he and Sean McDermott have something in common and it made him feel good about our HC, for once. LOLBecome a supporter of this podcast: https://www.spreaker.com/podcast/nickel-city-crew-podcast--5347543/support.

In this episode, Rob & DT are joined by longtime friend of the show, Scott Frey to breakdown the news of the week as Tre White suffers an undisclosed injury that has Bills Mafia on the edge of our seats awaiting the final results. What do the Bills do at CB2 if Tre is out for an extended period of time? Is it time to go sign a free agent either way with Max Hairston's injury? The fellas then pick the 53 man roster and to DT's surprise, it was relatively chalk. Will the real roster reflect that on Tuesday after cutdown day?Finally, they discuss this week's latest episode of Hard Knocks which was universally praised as the best yet. Rob loved the behind the scenes look with both coordinators interacting which their respective coaching staffs. DT found out he and Sean McDermott have something in common and it made him feel good about our HC, for once. LOL

A comprehensive preview of the 2025 Minnesota Vikings! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Sponsored by SeatGeek! Use my code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/TFG10 *Restrictions apply. Max $20 discount! Everyone be sure to follow Arif (ArifHasanNFL) on Twitter and check out the Wide Left Substack. https://www.wideleft.football/ Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Kevin O'Connell / Offense 2:35 Coach & Scheme – Brian Flores / Defense 10:32 Quarterback 23:00 Weapons 37:05 Backfield 48:56 O-Line 54:24 Offensive Summary 1:08:20 Defensive Line 1:10:00 Linebackers 1:25:36 Secondary 1:36:27 Defensive Summary 1:52:33 Special Teams 1:53:20 Interview With Arif Hasan 1:54:35 Team Summary 2:31:24 Schedule & Win Total Projections 2:32:37

Hour 1- How much trust do you have in the secondary? full 2209 Thu, 21 Aug 2025 23:00:00 +0000 AUO47HVoVqVCVli5m7UDjx1Zcf8suNhW sports Schopp and Bulldog sports Hour 1- How much trust do you have in the secondary? Sports talk should be entertaining and informative, which is why Schopp and the Bulldog control the WGR 550 airwaves every weekday from 3-7 p.m. Chris "The Bulldog" Parker bleeds Buffalo and is as passionate about the Sabres and Bills as any listener to our radio station. Mike Schopp keeps the callers in line while dishing out his unique perspective and opinions, and creating on-air fantasy drafts of anything from favorite candy and meats, to actors, presidents and bands. Bills reporter Sal Capaccio appears daily on the show covering every move the team makes like nobody else!The top-notch weekly guests include:Mondays (DURING FOOTBALL SEASON) at 4 p.m. - Buffalo Bill, Eric WoodSabres general manager Kevyn Adams (DURING HOCKEY SEASON) - 5:30 p.m.Thursdays at 5:30 p.m. - Sports betting media specialist Evan Abrams from The Action NetworkTogether for 10 years, Schopp and the Bulldog are the No. 1 most listened to talk show in all of Western New York.On Demand Audio is presented by Northwest Bank. For What's Next. © 2025 Audacy, Inc. Sports False https://player.amperwavepodcasting.com?f

Tre White left today's practice with a leg injury. Cole Bishop has been playing "catch-up" this Summer. Nate Geary of the Buffalo Bills Radio Network joins Danger and Battaglia in The Sports Bar to discuss the depth at corner and safety, as well as a projection of what the final 53-man roster could look like. Love the show? Share it! Listen, subscribe, and tell a friend!

Colleague Michael Bernstam assesses the Anchorage and DC meetings about Ukraine to have reduced or removed the likelihood that POTUS Trump will direct secondary sanctions on those states trading with Russia. More.

Can stress actually improve flower quality? In this episode, I sit down with Dr. José Leme to dive into the science of plant stimuli and how growers can apply it in practice. We cover:

Brady, Allen and Matt are back to talk about OU's secondary, Brent speaking highly of Danny Okoye and Auburn is having themselves a time. Go check out our new website! www.keyholepod.com/ If you want more OU podcasts and written articles, go check out our Patreon! www.patreon.com/ThroughTheKeyhole Don't forget to follow us on social media! Twitter: @KeyholePod Instagram & Threads: @KeyholePodcast Facebook: www.facebook.com/KeyholePod

On this week's OPPOSITION TERRITORY pod, we're diving into the San Francisco 49'ers and what their upcoming 2025 season may look like. This team and organization have certainly gone through challenges over the years with injuries, but they do have their franchise quarterback of the future solidified. This week, Peter Panacy from Fansided's NinerNoise.com joined us for a great discussion!Topics Peter and Jeff dove into:- What has been the overall vision for the 49'ers growth during the offseason?- Can QB Brock Purdy elevate the Niners passing game this season and into the future?- With injuries mounting, should the Niners front office make a trade for a wide receiver?- What is the biggest concern for the 49'ers as they head into this 2025 season?All of this and much more during this week's Opposition Territory show!SUBSCRIBE on YouTube: youtube.com/@thephiladelphiasportstableHead over to our website for all of our podcasts and more: philadelphiasportstable.comFollow us on BlueSky:Jeff: @jeffwarren.bsky.socialErik: @brickpollitt.bsky.socialFollow us on Threads:Jeff: @mrjeffwarrenErik: @slen1023The Show: @philadelphiasportstableFollow us on Twitter/X:Jeff: @Jeffrey_WarrenErik: @BrickPollittThe Show: @PhiladelphiaPSTFollow us on Instagram:Jeff: @mrjeffwarrenErik: @slen1023The Show: @philadelphiasportstable.Follow Jeff on TikTok: @mrjeffwarrenFollow us on Facebook: facebook.com/PhiladelphiaSportsTable

Members of the secondary teachers' union swapped classrooms for picket lines today. The one-day strike closed many schools as the Post Primary Teachers Association tried to pressure the government into improving its pay offer. But the government has said the union was too quick to go to a strike, and the bargaining seats were barely warm when they called it. Education correspondent, John Gerritsen reports.

The Packers secondary is widely considered to be the weak link on the defensive side of the ball and will undoubtedly be tested early and often this year.

00:00 – 11:25 – Are we finally going to get an announcement of who the Colts starting quarterback will be?, Marc’s Cubs stink, Joe Burrow last night, Colts sign CB Xavien Howard and lose Hunter Wohler and Blake Freeland for the season 11:26 – 20:39 – Morning Checkdown 20:40 – 42:53 – More likely the Colts make the AFC Championship game or the opening day starting QB starts all 17 games?, new Colt Xavien Howard has a checkered past, Juju Brents and Jaylon Jones status, we got to the text line, Dan Orlovsky weighs in on the Colts QB competition, what is Shane Steichen wanting: high ceiling or most reliable? 42:54 – 1:07:36 – PGA Tour Radio’s Will Haskett join us to recap LIV Golf being in town this past weekend, why it seemed like a great event for families, where would he like to see a pro golf tournament in and around town, Scottie Scheffler’s insane year, could we get pro golf at the IMS in the near future, Morning Checkdown 1:07:37 – 1:16:57 – Hunter Wohler out for the season, Colts QB situation, text line thoughts, “turd burger” situations 1:16:58 – 1:43:30– Zak Keefer of The Athletic joins us and discusses his sit-down interview with Andrew Luck, the most surprising answer he got from Luck, any regrets from his decision to retire?, falling back in love with football and returning to Stanford, who would he like to be named the Colts starting QB, Morning Checkdown 1:43:31 – 1:54:24 – Is this the most anticipated Shane Steichen press conference in his tenure?, Dan Orlovsky’s thoughts on the Colts situation, have the “side of the stadium” guys been asked who they would prefer 1:54:25 – 2:06:22 – We give away Indy Eleven tickets, Ed Orgeron tells an insane Joe Burrow recruitment story, college football storylines, we give away another spot in our fantasy leagueSupport the show: https://1075thefan.com/the-wake-up-call-1075-the-fan/See omnystudio.com/listener for privacy information.

There may be hope for the Philadelphia Eagles' CB2 and Safety positions! In the preseason clash against the Browns, rookie safety Andrew Mukuba and newly acquired cornerback Jakorian Bennett stepped up and played well. Should their performances quiet the concerns? In this week's episode of Eagles Talk, we'll give our thoughts on both players as well as our other takeaways from the game. We'll also react to the trade for WR John Metchie and what it could potentially mean for the Eagles' WR roomLike, Comment, and Subscribe for more! / a2dradio  Facebook:   / a2dradio  Instagram:   / a2dradio  X:   / a2dradio  Website: http://a2dradio.com/_______________We thank you for your support!Specialized Physical Therapy:https://specializedphysicaltherapy.com/Boaggiosbread:https://boaggiosbread.com/Alan Foy: https://www.exprealty.com/

To unpack this growing threat to urban wildlife, especially owls, John Maytham speaks to Dr. Gabriella Leighton, Postdoctoral Researcher at UCT and Coordinator of the Urban Caracal Project. Her work focuses on ecosystem health and the impact of pesticides and poisons on wildlife in our urban and peri-urban spaces Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In today's episode, we have our weekly political panel with National and Labour; The government says a new push to boost competition in the power sector will give smaller retailers a fairer shot; Secondary school teachers right across the country are walking off the job on Wednesday after a one percent pay rise offer from the government; Beige is the new black as cricket fans prepare to celebrate 20 years of T20 cricket.

Secondary teachers have walked off the job not happy with the government's one percent pay rise offer. Education Correspondent John Gerritsen spoke to Corin Dann.

Secondary school teachers right across the country are walking off the job on Wednesday after a one percent pay rise offer from the government. PPTA President Chris Abercrombie spoke to Ingrid Hipkiss.

A comprehensive preview of the 2025 San Francisco 49ers! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Sponsored by SeatGeek! Use my code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/TFG10 *Restrictions apply. Max $20 discount! Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Kyle Shanahan / Offense 2:00 Coach & Scheme – Robert Saleh / Defense 14:25 Quarterback 21:05 Weapons 34:40 Backfield 53:07 O-Line 59:23 Offensive Summary 1:10:50 Defensive Line 1:12:22 Linebackers 1:28:50 Secondary 1:38:06 Defensive Summary 1:51:50 Special Teams 1:53:10 Team Summary 1:53:04 Schedule & Win Total Projections 1:57:45

Which position group do you have more confidence in this season?

Tom Kelly, Hunter Brody, and Ashlyn Sullivan in for the 94 WIP Morning Show have some questions about the Eagles secondary. Ashlyn is not confident that Sydney Brown will play well at Safety and thinks while Drew Mukuba is raw, he'll be the starter. How will Linebackers Josh Uche and Azeez Ojulari look this season. Do the Eagles need to bolster the Edge Rusher position to help out the secondary?

Tom Kelly, Hunter Brody, and Ashlyn Sullivan in for the 94 WIP Morning Show, after the Eagles loss this weekend in pre-season action against the Browns, have some thoughts about the Eagles defense. Drew Mukuba seems like he could be the guy at the second Safety position. Kelee Ringo does not look like he's going to pan out at Cornerback. Do the Eagles need to beef up the Edge Rusher position to take some pressure off of the secondary?

10am - Sal Capaccio talks about the Bills loss to the Chicago Bears and talks about the importance of a big preseason loss and what it means for the Bills secondary.

On this episode I preview the Illini defensive backs along with TCR's Pleas Honeywood & Don Glenn. We break down why the secondary is the true definition of retention (2:42), Illinois' plethora of pro prospects (9:23) and Bret Bielema's long-term approach (15:38). We also discuss the versatility of the secondary (21:48) and our hidden gems for 2025 (32:01).

I am an idiot. Sam had this edited and ready to go on Monday, but I forgot to ship it in any kind of timely manner and for that I apologize.ENJOY IT! Part 2 of our tier list episode in which the brothers discuss Secondaries. There's lots to digest here but it's a really fun discussion.Join the Slack!

Try Rocket Money for free: https://RocketMoney.com/TFG A comprehensive preview of the 2025 Denver Broncos! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Sean Payton / Offense 1:02 Coach & Scheme – Jeff Hafley / Defense 8:57 Quarterback 14:11 Weapons 24:33 Backfield 50:56 O-Line 1:02:56 Offensive Summary 1:15:15 Defensive Line 1:15:25 Linebackers 1:34:47 Secondary 1:43:07 Defensive Summary 2:00:12 Special Teams 2:01:27 Team Summary 2:03:01 Schedule & Win Total Projections 2:05:36

Alaska: Power secondary sanctions. Michael Bernstam, Hoover 1918 MONASH

A comprehensive preview of the 2025 Green Bay Packers! In this video, we'll review Offseason Changes, the Coaching Staff, what the Offensive & Defensive Schemes will look like, how each position group stacks up against the rest of the League, and finally take a look at their schedule and win total expectations! Use Promocode: "TFG" On Underdog For 50% Bonus Match Up to $1000 Match On Your First Deposit! https://bit.ly/3vbmeUG Must be 18+ (21+MA & AZ, 19+ AL, NE).  Concerned with your play? Call 1-800-GAMBLER; For additional resources please visit https://underdogfantasy.com/responsible-gaming-resources Audio Versions of this show are posted on the "Fully Inflated Football Podcast" 24 Hours after the video is posted! Chapters Intro 0:00 Coach & Scheme – Matt Lafleur / Offense 2:33 Coach & Scheme – Jeff Hafley / Defense 11:30 Quarterback 19:21 Weapons 38:29 Backfield 1:05:59 O-Line 1:13:23 Offensive Summary 1:32:13 Defensive Line 1:33:30 Linebackers 1:51:49 Secondary 2:01:18 Defensive Summary 2:17:50 Special Teams 2:18:18 Schedule & Win Total Projections 2:22:56

"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.