Podcasts about Shakedown

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Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or 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, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   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 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Shadyville Shakedown 11-29-25 Pt 1 (foxy 106.9 st louis) by Dj Awill

Shadyville Shakedown 11-29-25 Pt 2 (foxy 106.9 st louis) by Dj Awill

Last week, we brought you a look at the New Adventure, Shakedown. Part of it novelised the video release of the production from DreamWatch Media, written by Terrance Dicks. So, in a sequel to that episode (and in some ways a prequel - it's Doctor Who, of course it can be both!), we speak to director Kevin Jon Davies about creating this adventure with the Sontarans.

Shafyville Shakedown 11-22-25 (foxy 106.9 st louis) by Dj Awill

Shadyville Shakedown 11-22-25 pt 2 (foxy 106.9 st louis) by Dj Awill

Weekender special

Shadyville Shakedown 11-15-25 (foxy 106.9 St Louis) by Dj Awill

Who remembers the excitement of 1994, when a new Doctor Who drama without Doctor Who was announced, featuring the Sontarans? And then - GASP! - came the news that this story would then be novelised as part of the New Adventures range, featuring Doctor Who! And it was being written by Terrance Dicks?! Kenny is joined by guest co-conspirator Si Hart, as they look at this book. Plus, we've got readings from archival interviews of Terrance Dicks, performed by someone with plenty of Big Finish and Dead Ringers credits to his name! Yes, it's... well, tune in and hear!

This weeks trip back including D Train, SOS Band, New Jersey Connection, Ingram and many more

Sunday Shakedown Remembrance Special 11 11 25 by FULL SP

Get the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

KGMI's Adam Smith and Dianna Hawryluk chat about Twelfth Night at iDiOM Theater, the Holiday Bazaar at Bellingham Covenant Church, Nordic Fest in Ferndale, Felly performing at Wild Buffalo, and a solid lineup of metal bands at Shakedown.

John Thomas: The Kalamazoo Gals' Almost Forgotten StoryThis is an historic episode of Herizon Music. For the first time since launching in 2019, I am interviewing a MAN on the podcast. And I cannot think of any other man I would rather have than today's guest.We met at an “off” SXSW event hosted by Texchromosome in 2022. He held a World War II era acoustic Gibson guitar and was talking about his new book Kalamazoo Gals. Come to find out, he has unearthed an incredible almost-forgotten history about the women who stepped in and crafted Gibson guitars while the men in their lives were at war. These guitars are considered some of the finest ever made by Gibson.It was a five-year journey of research, conversations, and travel. The story is so remarkable, it's become a documentary that won Best Short Documentary awards at the Poppy Jasper International Film Festival and Red Dirt Film Festival. And there are more festivals screening the film in 2025.He's an author, a musician, an attorney, a law professor, an avid cyclist, and a champion of women in music.Meet John Thomas! (Documentary trailer below)In This Episode* How John Thomas stumbled upon the photo that revealed Gibson's female workforce during WWII.* The scientific proof that these “Banner” wartime guitars were the finest craftsmanship that Gibson has produced and why.* The stories of three surviving Gibson workers whom John interviewed for the book and new documentary.* How Gibson's reaction to the book has evolved over the years (a rollercoaster ride).Plus, John's answers to the Shakedown Questions!This episode was recorded in April 2025.Disclaimer: Opinions of Herizon Music show guests are not necessarily those of Thea Wood Productions, LLC or its employees, volunteers, advisors, or contractors.Herizon Music is produced by Thea Wood Productions, LLC, an Amazon Associate that earns from qualifying purchases. Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates.Guest LinksIf you don't see these links (or embedded videos!) on your podcast platform, get the full experience at HerizonMusic.com.Buy John Thomas's Kalamazoo Gals here on Amazon.Kalamazoo Gals Website & Social LinksDocumentary TrailerCreditsGuest: John ThomasHost: Thea WoodListen to other episodes of Herizon Music: The Podcast.Support This PodcastThere are 3 ways you can support women in music and Herizon Music: The Podcast:* Opt into a paid subscription. Upgrade here.* Sponsor a podcast episode! You or your business can reach our dreamers, rule breakers and rockstars in the most positive way possible! It's super affordable to sponsor this evergreen content that includes a midroll after The Shakedown questions and logo/link in the Show Notes. Email me for a rate card.* Sponsor an issue (or two or three!) of the Herizon Music Newsletter. It costs time and money to publish the exposés, news, and interviews that over a thousand subscribers and 3,000 social media followers read. Email me for a rate card for this and other marketing opportunities.If you'd like to reproduce this podcast or a portion of the podcast or associated content, you must obtain prior approval in writing from Thea Wood Productions, LLC. Email herizonmusic@substack.com. Get full access to Herizon Music: Newsletter & Podcast at www.herizonmusic.com/subscribe

Shadyville Shakedown Foxy 106.9 (St Louis) 11-1-25 pt2 by Dj Awill

Shadyville Shakedown Foxy 106.9 (St Louis) 11-1-25 pt1 by Dj Awill

Happy Halloween everybody!

Send us a textIn F1 News and F1 updates, Brundle slams  Verstappen for Mexico GP T1!- where to find Shez -https://www.youtube.com/@UCN40abj8HjYlM5pPfe-Rf8Q - where to find me -Twitter: https://twitter.com/CxmeronccTiktok: https://www.tiktok.com/@cxmeroncc_Facebook: https://www.facebook.com/CameronF1TVBusiness Email : cxmeronf1@gmail.com#F1 #f1news #maxverstappen #landonorris #Formula1 #verstappen  #Ferrari #redbull

In this episode, we recap an incredible run of events with our community. We dive into Targa Carolina—how the 993 performed, trailering logistics, and what's next for the car. Then we discuss the unforgettable Luft gathering, from the Durham highlights and that badass IROC race car to Charles' phenomenal pre-party at a local speed shop that proved the East Coast deserves more events like this. We also reflect on Fahren, where our amazing members, perfect weather, stunning roads, and killer swag made it another standout weekend. We explore what sets our rallies apart from the crowded, chaotic events filling up the roads these days, and why our approach is different. Finally, we discuss Porsche's decision to exit WEC while staying in IMSA—is this a cost-cutting move, and what does it mean for the brand's racing future? Join us for great stories, insights, and appreciation for the people who make these events special. Thank you for your support! Kimchi Crew Leslie, Chris, Ken, Aaron, Matthew, Sean and Nik

Tracklist: Britney Spears - I Wanna Go (John Summit Remix) Elisa Rose x The Trip - Weekend (L.P Rhythm Remix) Open Til L8 - Sweat  RSquared - Fantasy (Radio Edit) Sara Landry - Girlboss (Clean Radio Edit) Sian Owen x Taya - Need You (Clean) SIDEPIECE - Cry For You (Radio) Sonny Fodera, D.O.D & Poppy Baskcoroh - Think About Us Acid Harry - Left To Right (Extended Mix) Jet Boot Jack - The Good Life Joe Hunt - Renegade Masta (Radio Mix) Tom Budin - Percolator (Extended) David Guetta & Cedric Gervais - A Better World Jazzy - Hypnotic 

Tracklist: Britney Spears - I Wanna Go (John Summit Remix) Elisa Rose x The Trip - Weekend (L.P Rhythm Remix) Open Til L8 - Sweat  RSquared - Fantasy (Radio Edit) Sara Landry - Girlboss (Clean Radio Edit) Sian Owen x Taya - Need You (Clean) SIDEPIECE - Cry For You (Radio) Sonny Fodera, D.O.D & Poppy Baskcoroh - Think About Us Acid Harry - Left To Right (Extended Mix) Jet Boot Jack - The Good Life Joe Hunt - Renegade Masta (Radio Mix) Tom Budin - Percolator (Extended) David Guetta & Cedric Gervais - A Better World Jazzy - Hypnotic 

Tracklist: Britney Spears - I Wanna Go (John Summit Remix) Elisa Rose x The Trip - Weekend (L.P Rhythm Remix) Open Til L8 - Sweat  RSquared - Fantasy (Radio Edit) Sara Landry - Girlboss (Clean Radio Edit) Sian Owen x Taya - Need You (Clean) SIDEPIECE - Cry For You (Radio) Sonny Fodera, D.O.D & Poppy Baskcoroh - Think About Us Acid Harry - Left To Right (Extended Mix) Jet Boot Jack - The Good Life Joe Hunt - Renegade Masta (Radio Mix) Tom Budin - Percolator (Extended) David Guetta & Cedric Gervais - A Better World Jazzy - Hypnotic 

Kate and Leah dig into a very busy week of legal news as Trump wields his SCOTUS-enabled executive power in increasingly unhinged ways. They also discuss continuing challenges to the president's deployment of the National Guard in blue cities, ProPublica's reporting on “Kavanaugh stops,” and, for dessert, the bonkers text exchange between Trump lackey–turned–U.S. Attorney Lindsey Halligan and Lawfare's Anna Bower. Then they speak with author Irin Carmon about her new book, Unbearable: Five Women and the Perils of Pregnancy in America.Favorite things:Leah: Resistance Is Cringe—But It's Also Effective, Quinta Jurecic (The Atlantic); The Democrats' Main Problem Isn't Their Message, Chris Hayes (NYT); The Peril of a White House That Flaunts Its Indifference to the Law, Charlie Savage (NYT); Everybody/Elizabeth Taylor Mashup (Backstreet Boys/Taylor Swift)Kate: Five Tuesdays in Winter, Lily King; I'm Still Here Get tickets for STRICT SCRUTINY LIVE – The Bad Decisions Tour 2025! 3/6/26 – San Francisco3/7/26 – Los AngelesLearn more: http://crooked.com/events Get tickets to CROOKED CON November 6-7 in Washington, D.C at http://crookedcon.com Order your copy of Leah's book, Lawless: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, and Bad VibesFollow us on Instagram, Threads, and Bluesky Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textLatest F1 news and updates, we discuss whether Max Verstappen will destroy Lando Norris and Oscar Piastri in the drivers' championship!- where to find me -Twitter: https://twitter.com/CxmeronccTiktok: https://www.tiktok.com/@cxmeroncc_Facebook: https://www.facebook.com/CameronF1TVBusiness Email : cxmeronf1@gmail.com#f1 #formula1 #Formulaone #f1news #mercedes #redbull #ferrari #hamilton #verstappen  #f12024 #landonorris #singaporegp

Patrick Bet-David and the team break down disturbing new Epstein revelations involving billionaire Leon Black, coded letters, and hidden payoffs. They analyze how Epstein's empire mixed sex trafficking, blackmail, and money laundering.

Join us as we dive into the unfolding crisis in the silver market, where London's LBMA vaults have reportedly run dry, sparking a potential economic earthquake. In this episode, we explore the alarming depletion of physical silver stocks, the surge in lease rates to 100%, and the halt in refinery production due to skyrocketing storage costs. With recent data confirming a 14,000-ton drop in LBMA holdings since 2021 and global deficits outpacing supply for eight consecutive years, we examine the implications of this shortage. From India's stockouts to premiums soaring above spot prices in London, we discuss the signs of a looming silver squeeze that could push prices to unprecedented levels. Tune in to understand why this could be the biggest financial shakeup in world history. #silver #gold #shortage

Democrats want Americans to add one million dollars per hour for 171 years to the budget. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved, visit LC.org.

Hey now, here is some tunes for your listening pleasure from my live broadcast on KMRE 88.3 FM. Included are music of The Grateful Dead, Tom Waits, Dan Hicks and his Hot Licks, Bob Dylan and more. Just click on the link/picture and enjoy. See you at The Wild Geese of The West show Oct. 25 at The Shakedown in Bellingham and Sleepy Alligators at The Elks Lodge, 710 Samish Way in Bellingham Oct. 31.

Patrick Bet-David, Tom Ellsworth, Vincent Oshana, and Adam Sosnick break down the escalating “No Kings” protests, the collapse of the Israel–Hamas ceasefire, and shocking new revelations from Jeffrey Epstein's leaked emails exposing a global shakedown network.------

KGMI's Adam Smith talks about Hellingham at the Upfront Theatre, The Case of the Emporium Inferno, the Komo Kulshan Ski Swap at Bloedel, Sesame Street Live at the Mount Baker Theatre and D.R.I. performing at the Shakedown.

Send us a textLatest F1 news and updates, reports indicate that George Russell is sick and tired of having Toto Wolff as his manager and team principal!TIMESTAMPS:0:00 Intro0:22 Russell's New Contract12:56 Kravitz on Russell & Max16:08 Asymmetric Papaya Rules20:45 Oscar vs Lando Betting Odds23:04 Hamilton on Horner Rumours 33:30 Final Thoughts & Prediction - where to find me -Twitter: https://twitter.com/CxmeronccTiktok: https://www.tiktok.com/@cxmeroncc_Facebook: https://www.facebook.com/CameronF1TVBusiness Email : cxmeronf1@gmail.com#f1 #formula1 #Formulaone #f1news #mercedes #redbull #ferrari #hamilton #verstappen  #f12024 #landonorris #singaporegp

Episode 50 is out — and for the first time you can also watch the full set on YouTube

Get the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

Donald Trump has launched four lawsuits against major media organisations for up to $15 billion over the past year. This is the story of Trump's war on the media and the people driving it.Reporter: Giles WhittellProducer: Jonathan LewisArtwork: Lola WilliamsSound design: Dominic DelargyEditor: Matt RussellTo find out more about The Observer:Subscribe to TheObserver+ on Apple Podcasts for early access and ad-free content head to our website observer.co.uk Download the Tortoise app – for a listening experience curated by our journalistsIf you want to get in touch with us directly about a story, or tell us more about the stories you want to hear about contact hello@tortoisemedia.com Hosted on Acast. See acast.com/privacy for more information.

Shadyville Shakedown Foxy 106.9 (St Louis) 10-12-25 by Dj Awill

Haunted Prison: A Shadow Devil, 1980 Riot Energy, and a Burned Relic Recapping The Dead Files “Death Sentence” (aka “Prisoner of Shadows”): (Season 1 Episode 19) which aired June 29, 2012.  We review a film shoot inside a decommissioned penitentiary, a whispered “Hey,” a client who took home a souvenir (then… burned it), and Amy & Steve breaking protocol mid-case.  We unpack why prisons hang onto rage, fear, and you-really-shouldn't-take-that energy.  Expect: shadow-devil vibes, wall-crawlers, portal “holes,” and a reveal where the sketch is meh but the consequences are not.  So grab your stolen hat, and join us where The Activity Continues… Patreon: Join before Sun, Oct 26, 2025 for the Birthday Happy Hour + live mini-recording (chat open, Q&A, spooky stories). https://www.patreon.com/theactivitycontinues  Content warningsPrison violence (referenced), discussion of the 1980 prison riot, medical distress, demons/attachments. No gore. HighlightsWhy this prison case hits different: protocol break (Amy & Steve meet pre-reveal)“Don't take souvenirs from haunted sites” — and definitely don't burn themThe “Devil Shop” nickname, shadow-devil activity, and that gross basement holeSound design tricks (insect buzzing = instant dread) and Exorcist homage vibesHow mob mentality supercharges hauntings long after the riot is over Chapter Markers00:00:00 Intro00:00:32 Hello! Housekeeping00:04:14 Overview00:06:00 Segment One – The Set Up00:17:34 Segment Two – The Investigation00:28:03 Segment Three – The Reveal00:38:40 Research and Rabbit Holes00:54:04 Outro/Disclaimer Episode Links:Dead Files episode: “Death Sentence / Prisoner of Shadows”Background reading on the 1980 New Mexico Prison Riot (content caution): https://en.m.wikipedia.org/wiki/New_Mexico_State_Penitentiary_riotDocumentary series about the riot from 1988 “Shakedown in Santa Fe”https://www.imdb.com/title/tt0910778/https://www.youtube.com/watch?v=WrIwew30GRI Filming/tour info for the decommissioned penitentiary: https://www.cd.nm.gov/divisions/corrections-industries/old-main/old-main-filming-tours/ This site has lots of pictures and floor plans: https://www.cd.nm.gov/divisions/corrections-industries/old-main/Sandi K Shelby: https://share.google/s07n52SOq4Sx1s0gf Terrible Angels: https://www.imdb.com/title/tt1727362/Our blog post: https://www.theactivitycontinues.com/blog/the-devils-shop-extras/Beverly McChesney: https://www.theactivitycontinues.com/chat-with-beverly-mcchesney/ The Activity Continues is a paranormal podcast where soul friends Amy and Megan chat about true crime, ghost stories, dreams, and other paranormal stuff including the TV show, The Dead Files. Our recaps are full of recurring jokes about recurring tropes. Sometimes we try to come up with possible explanations for some of the things that the clients experience. But this by no means indicates that we do not believe the clients or are invalidating their experiences. We do believe. This episode was recorded on August 27, 2025, and released on October 2, 2025.  Disclaimer:This podcast is in no way affiliated with Warner Brothers, HBOMax, the Travel Channel, Painless TV, or the TV show The Dead Files or any of its cast or crew. We're just fans who love the show and want to build a community of like-minded people who would enjoy hanging out and discussing the episodes and similar content. Credits:Hosted by: Amy Lotsberg and Megan SimmonsProduction, Artwork, and Editing: Amy Lotsberg at Collected Sounds Media, LLC. https://www.collectedsounds.com/Theme song. “Ghost Story” and segment music by Melissa WestBackground music: “Beyond the Stars” by Chris Collins Engage!Our website, https://www.theactivitycontinues.com/ Leave us a Voicemail: https://www.theactivitycontinues.com/voicemail/ (might be read on the show)Newsletter sign-up: https://www.theactivitycontinues.com/newsletter          We're on (almost) all the socials too @theactivitycontinues Affiliates/SponsorsPlease see our Store page for all the links for all our current affiliates. https://www.theactivitycontinues.com/store/ Thank you for listening, take care of yourselves. We'll see you next time!If you want to hear us early and ad-free EVERY week, become a Patron, join our Ghosty Fam and get bonus exclusive episodes! https://www.patreon.com/theactivitycontinuesSupport this podcast at — https://redcircle.com/the-activity-continues/exclusive-content

New York City just proved once again that when politicians cry about 'affordable housing,' they're about to make it even MORE expensive. The city council is about to vote on requiring master plumbers for basic appliance installations like stoves and dryers - jobs that building supers and contractors have done safely for decades. With only 1,100 master plumbers for 7.5 million people, get ready for $500+ installation fees on top of already insane $4,000 monthly rents. They claim it's about 'safety,' but where's the epidemic of exploding stoves? This is a union shakedown, plain and simple, wrapped in the usual 'we're protecting you' nonsense. Meanwhile, these same politicians wonder why young professionals are fleeing to Texas and Florida. What did they expect when they keep layering regulation after regulation? Is anyone surprised that the city screaming about housing affordability just created another expensive monopoly? Subscribe if you're tired of watching blue cities shoot themselves in the foot while blaming everyone else for the mess they created.

What's going on everybody?! It's time for another occult/esoteric review! Today we collaborate with Operation GCD to breakdown the 1993 film, Striking Distance! There is plenty to uncover in this film, I hope you enjoy this conversation as much as I did! And of course check out JJ Vance and Operation GCD podcast, if you have not already!

Understanding your tools and how to use them to solve problems effectively is probably the best way to summarize much of what our training is about. Just as with any skillset or trade, if you don't know to use those tools, or understand the entire purpose of having them, you're going to run into issues, and certainly will be less effective. This is why it becomes so frustrating for many, seeing the emulation and "copy-catting" that is triggered by influencers, when it comes to equipment and supporting gear. Everything from optics and lights, to plate carriers, armor, and belts then becomes the constant focus and concern, rather than the hard skills that should instead by our pursuit. In this episode, I dive into this, and offer up some helpful tips and strategies for how to be more thoughtful, and certainly more effective, in this journey.Visit our sponsors!Our Patreon - www.patreon.com/prepared_mindset_podCustom Night Vision - www.customnightvision.comHerrington Arms - www.herringtonarms.comRMA Armor - www.rmadefense.com 'PreparedMindset5' to save!

Crime thrillers, suspense, and twists await in this gripping crime thriller mash-up review of season six of the True Fiction Project! I'm Reenita Hora, your host, diving into the thrilling world of crime thrillers with excerpts from talented fiction authors. We'll explore Crossroads by Rhonda Parker Taylor, a novel about a young man's haunting choices after a life-altering tragedy. Then, Shakedown by Armand Rosamilia, where a crew member's mistake risks everything. Finally, The Old Town Horror by Ed Moser uncovers a bloody investigation in historic Virginia. Each story weaves fiction inspired by real-life drama. Tune in today for interview snippets and stories.What You'll Learn in This Episode:            How crime thrillers blend suspense and real-life inspirationThe power of twists in shaping gripping narrativesHow authors use fiction to reflect personal and historical dramaInsights into the creative process behind storytellingSubscribe to Reenita's Storytelling Den on Substack for free at https://substack.com/@reenitahora and to her YouTube channel to watch the video version of this episode! https://www.youtube.com/@reenymalCheck out her website to stay up-to-date on events, book releases and more! https://reenita.com/TIMESTAMPS:  00:00: Reenita Hora introduces a blend of crime thriller, non-fiction interviews, and fiction stories that explore life experiences.01:45: Rhonda shares how crime thrillers like Crossroads use suspense to highlight the impact of choices and drama in shaping lives.07:15: Armand discusses the market for crime thrillers and their appeal to readers craving twists and thrillers.15:15: Ed Moser reveals the scandalous history of Lafayette Square, tying crime thrillers to real secrets and drama.20:39  Reenita invites listeners to share great stories they would like to see featured on True Fiction ProjectKEY TAKEAWAYS: Crossroads by Rhonda Parker Taylor: Choices lead to irreversible drama and trauma, urging readers to reflect on life's pivotal decisions before they spiral into suspense and tragedy.Shakedown by Armand Rosamilia: In the gritty world of crime thrillers, a single oversight can seal your fate, highlighting the deadly consequences of mistakes in high-stakes criminal operations.The Old Town Horror by Ed Moser: Historic locales hide layers of secrets and violence, where investigating murder unearths the eerie persistence of the past in modern thrillers.ABOUT THE GUESTS: Rhonda Parker Taylor (@rhondaparkertaylor) • Instagram photos and videosArmand Rosamilia (@armand_rosamilia) • Instagram photos and videosEd Moser - LinkedInRESOURCES MENTIONED: THE OLD TOWN HORROR: Murder and Theft in America's Most Historic LocaleSuspense Thriller Crossroads by Rhonda Parker Taylor ShakeDown (First Coast Thriller Series): 9798401775757: Rosamilia, Armand: BooksSupport this podcast at — https://redcircle.com/true-fiction-project/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Vanessa wants to get revenge on her friend Keith for taking her salsa recipe and her sister! Follow us on socials! @themorningmess

Ronnie D. Ron (also known as Ronnie-Ron and Sha'ron Harris) came up in the LA Black gay disco scene, and soon went on to found Shakedown in 1996. Shakedown was a special place - where women celebrated each other, danced freely and exotically, and found lovers and family. Ronnie discusses the origins of Shakedown, the making of Leilah Weinraub's 2018 documentary, and why they eventually had to close their doors... -Watch Shakedown on the film's official website ;) Thank you for listening to Cruising Podcast! -Reviews help other listeners find Cruising! If you like what you hear, please subscribe and leave us a 5-star review! -For more Cruising adventures, follow us @cruisingpod on ⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠ -Check out Cruising's Substack for deep dives and companion pieces to our episodes! -⁠⁠⁠⁠⁠⁠⁠⁠Support Cruising here⁠⁠⁠⁠⁠⁠⁠⁠! Cruising is an independent podcast. That means we're entirely funded by sponsors and listeners like you! -Cruising is reported and produced by a small but mighty team of three: Sarah Gabrielli (host/story producer/audio engineer), Rachel Karp (story producer/social media manager), and Jen McGinity (line producer/resident road-trip driver). Theme song is by ⁠⁠⁠⁠⁠⁠⁠⁠Joey Freeman⁠⁠⁠⁠⁠⁠⁠⁠. Cover art is by Nikki Ligos. Learn more about your ad choices. Visit megaphone.fm/adchoices

01. Cid, Taylr Renee - Fancy _hit 02. Tchami, Ootoro - Late Night Secret 03. Boris Brejcha - 16 Red Even 04. €Uro Tra$H, Yellow Claw, Maleigh Zan - Sweat 05. Fedde Le Grand, Sansixto - The Rhythm 06. Moti, Bodyworx - The Push Up Song 07. Argy, Eli & Dani, Peki Ofc, Osher - Chasing Highs 08. R3Hab, Rou - Ten Out Of Ten 09. Shakedown, Anyma, Layton Giordani - At Night 10. Fetish - I Like It 11. Dubdogz, Deep West - Hole In The Head (Fool Girl) 12. Ownboss, Dino Warriors - Can You Dig It 13. Low Steppa, Jewel Kid - Pull Up 14. Brohug, Nyron - Back Down 15. Mistajam, Katy Tiz - Dopamine 16. Jack Orley - Shine 17. David Vendetta, Eray Turkay - Old School 18. Dannic - Knock N Load 19. Rafael Cerato, Wave Wave - Elevate 20. The Chemical Brothers, Chris Lake - Galvanize 21. Sofi Tukker, John Summit, Claptone - Sun Came Up 22. Don Diablo, Nelly Furtado - Doing Nothin' 23. Avicii, Elle King, Joel Corry - Let's Ride Away 24. Cosmic Gate, Diana Miro - Never Erase You 25. Kasia, Skuro (It), Arkaden - Luminate 26. Tiesto, Goldcher, Irina Rimes - Dudada 27. Dj Kuba, Neitan, Skytech - I Want You 28. Black V Neck, Life On Planets - Drip Drop (Handle That) 29. Lion - Clap 30. Mark Bale, Dessic - Upgraded 31. Mazro - Think Of You 32. Jay Robinson - React 33. Vion Konger, Melo.Kids - Gettin' Jiggy Wit It 34. Paul Oakenfold, Goom Gum - The House Of House 35. Bijou, Datti - Mind Eraser 36. Marc Kiss, Thomtree, Crystal Rock - Kernkraft 400 37. Mixed Methods, Roland Clark, Dont Blink - It Started In Chicago 38. Moguai - Ready Steady Go

What's up everybody?! Today Colby and I join forces with JJ Vance and Austin Picard on Operation GCD to discuss the 2014 film, Inherent Vice! This film is very interesting, with references to the laurel canyon, underground cults and elite groups running everything. If you haven't seen it, add it to your list!

- Introduction and Interview Teaser (0:00) - AI Engine Enoch and Its Capabilities (1:21) - Advancements in AI and Machine Learning (3:40) - Impact of AI on Employment and Efficiency (13:19) - Challenges in AI Implementation and Data Management (16:02) - Demonstration of AI Capabilities (20:20) - AI in Journalism and Content Creation (30:34) - Critique of Mainstream AI Engines (30:50) - AI and Ethical Concerns (36:53) - Future of AI and Its Implications (48:40) - Lucknick's Alleged Shakedown of Intel and Democrats' Money Laundering (57:44) - Trump and Lucknick's Tactics and Midterm Election Outlook (1:20:08) - Critique of Patent System and Big Pharma (1:22:17) - Lucknick's Involvement in Defense Sector and Concentration of Power (1:30:03) - Randall Carlson's Interview and Three Eye Atlas Space Rock (1:33:59) - Historical Evidence and Ancient Myths (2:24:09) - AI-Generated Images of Biblical Trumpets (2:25:01) - Randall Carlson's Research on Ancient Catastrophes (2:31:10) - The Role of Comets in Human History and Mythology (2:31:26) - The Impact of Celestial Events on Human Civilization (2:33:02) - Extreme Rainfall and Glacial Melting (2:33:22) - Impact of Oceanic Impacts on Climate (2:36:13) - Historical Evidence of Tsunamis (2:38:08) - Extraterrestrial Objects and Their Impact (2:40:29) - Advanced Civilizations and Energy Sources (2:46:03) - Challenging Archeological Narratives (2:46:19) - Historical Progress and Advanced Civilizations (2:49:19) - The Role of Plasma Energy in Civilization (2:51:53) - Randall Carlson's Podcast and Website (2:53:22) - Future Collaboration and Final Thoughts (2:59:36) For more updates, visit: http://www.brighteon.com/channel/hrreport NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

Newsom says UCLA won't capitulate to Trump and calls his threat to fine the university $1 billion “extortion.” Dina Doll reports. GoPure: Get 25% OFF @GoPure with code: MISSTRIAL at https://GoPureBeauty.com/misstrial #gopurepod Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane

Donald Trump's mission to bend higher education to his will maintains its sharpest focus on Harvard. Will the venerable university settle—and should it? Our correspondents meet with France's top general, who believes Russia will threaten Europe sooner than many people think. And a look at how satire changes when politics is beyond parody and its practitioners cannot be shamed. Impressions courtesy of George SimpsonGet a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.