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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.

Recorded live, this special episode dives into one of the hardest parts of faith — waiting. Whether it’s for answered prayers, clarity in your calling, or breakthrough in a tough season, waiting can feel frustrating and lonely. Ash, Shaylee and Jacquie open up about their own experiences of waiting on God, how to hold on to hope when nothing seems to be moving, and why trusting His timing changes everything. With laughter, honesty, and practical encouragement, this episode reminds us that the waiting isn’t wasted — God is always at work, even when we can’t see it. If you’re in a season of waiting, this is your gentle reminder that God’s timing is perfect, His plans are good, and His presence is with you in the middle of it all.See omnystudio.com/listener for privacy information.

In this raw and relatable Everyday Joy LIVE conversation, we take on a question that almost everyone wrestles with at some point: How do you build a godly relationship with your body? From Scripture that reminds us our bodies are temples of the Holy Spirit, to personal stories about weight changes, health goals, endometriosis, miscarriage, and postpartum shifts — we share the struggles and small victories of learning to see ourselves the way God does. You’ll hear about the year-long challenge to name 100 things you love about yourself, the conviction to focus more on the heart than the mirror, and the reminder that God’s design for our bodies is nothing short of miraculous. Whether you’re in a season of learning to trust your body again, or just need a gentle nudge to invite God into your health and self-image journey, this episode offers practical steps, honest encouragement, and hope that transformation takes time — and that God is near through it all. See omnystudio.com/listener for privacy information.

In this special Everyday Joy LIVE recording, we tackle the heartfelt question: Do you have life scriptures you lean on during hard times, or do you wait for the Holy Spirit to bring you the right verse when you need it? From Psalm 91 read in the middle of a frightening night in Indonesia, to Proverbs 3:5 whispered in moments of uncertainty, to Jesus’ prayer in Gethsemane (Matthew 26:39) — Jackie, Shaylee, and I share the verses that have carried us through some of life’s most difficult seasons. We also talk about the “bedrock” verses that keep us anchored no matter what, and how to find a fresh word from God when you’re stepping into something new (or facing unexpected challenges). Plus, why learning the character of God can sustain you even when you can’t recall a single reference. If you’re walking through a trial or just want to strengthen your spiritual toolkit, this conversation will leave you encouraged and reminded that God’s Word is alive, personal, and always right on time.See omnystudio.com/listener for privacy information.

We’re back with another Everyday Joy LIVE episode — complete with the real, in-the-room energy (and a little background buzz) from our special event! In this honest and hope-filled conversation, we answer two heartfelt questions from our audience: How do you learn to love again after a marriage breakdown? and What are some of your favourite ways to create space for God beyond Bible reading and prayer? Shaylee and Jackie share personal stories of rebuilding trust, finding love in unexpected places, and letting God redefine what love looks like. We also swap creative ways to spend time with God — from art journaling and worship playlists to intentional conversations that bring Scripture to life. If you’re walking through loss, or you simply need a fresh spark in your faith, this episode will remind you that God can heal, restore, and breathe new love into your life — in ways you might not expect.See omnystudio.com/listener for privacy information.

Drug diversion threatens patient and staff safety—and preventing it requires a coordinated, multidisciplinary approach. In this episode, Dr. Ruth Igwegbe and Shaylee Mitchell of JPS Health Network join host Carolyn Liptak to share how their organization transformed a fragmented diversion process into a high-functioning, collaborative program. From building trust with frontline teams to using AI software and proactive data monitoring, Ruth and Shaylee highlight how culture, consistency, and communication are essential to effective diversion prevention. Tune in for actionable strategies that elevate both patient safety and professional accountability.   Guest speakers:  Dr. Ruth Igwegbe PharmD, MBA, Pharmacy medication safety officer JPS Health Network   Shaylee Mitchell, BS, RN, MJur Pharmacy medication safety officer JPS Health Network   Host:  Carolyn Liptak, , BS Pharm, MBA   Vizient   Show Notes:  [01:02-02:32] Ruth and Shaylee Backgrounds [02:33-04:46] Background on diversion detection and prevention program at JPS [04:47-06:55] Shaylee's clinical background and how it shaped how she works with teams across the organization [06:56-09:20] How the JPS diversion response team evolved [09:21-13:55] Advice to our listeners to strengthen their own diversion prevention programs [13:56-16:03] Where our listeners should go to get more information about drug diversion prevention and detection programs   Subscribe Today! Apple Podcasts Amazon Podcasts Spotify Android RSS Feed

Oh hey! This week’s Everyday Joy episodes are a little different — we’re bringing you behind the scenes of the Everyday Joy LIVE event! You’ll hear the real, unpolished, slightly echoey audio (just like you were in the room with us) as we tackle one of the most heartfelt questions from the Q&A: How can we stop worrying about our loved ones who don’t believe in God? In this conversation with Shaylee and Jackie, we share personal stories of letting go of control, planting seeds, and trusting that only God can make them grow. We talk about choosing unconditional love over pressure, the power of persistent prayer, and why even Jesus’ own family needed their own encounter before believing. If you’ve ever carried the weight of wanting someone you love to know Jesus, this episode will encourage you to trust God’s timing and faithfulness. See omnystudio.com/listener for privacy information.

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   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, who 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  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    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 to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   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 paywalls 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 to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

Shaylee joins me for a Q&A! I had you guys submit questions on my Instagram and I think it's great to get another woman's perspective on these. If you'd like to participate in videos like this in the future, be sure to follow me on instagram!CONTACT/ FOLLOW ME:Instagram: @courtneycristineryan  / courtneycristineryan  EMAIL/COLLAB: courtneycristineryan@gmail.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

I can do all this through Him who gives me strength.” In today’s episode, Ash Couchman is joined by Shaylee for her final week on the podcast. Together they unpack what this verse really means when life feels like too much. Shaylee opens up about a season of deep loss and the moment she realised her own strength wasn’t enough—but God’s was. If you’re facing something heavy and wondering how you’ll get through it, this honest and hope-filled conversation is for you. Get Connected:Follow us on InstagramJoin the Facebook CommunityGot something to share? Email us at everydayjoy@positivemedia.com.auSee omnystudio.com/listener for privacy information.

Join us as we welcome Shaylee Raye Hunter, Miss Petite Utah, who shares her journey as an advocate for women's rights and disability visibility. Shaylee opens up about her personal lived experiences with chronic intestinal pseudo-obstruction (CIPO), gastroparesis, and short bowel syndrome. In an open discussion, she shares how she manages her health conditions with medical interventions, such as a feeding tube and TPN, providing a unique glimpse into her life and the lifeline she depends on daily to receive the nutrients essential to life.We learn about the challenges Shaylee faced at school due to the assumptions made by other students about her health, as well as the subsequent difficulties she encountered in dating and the workplace.Shaylee is passionate about advocating for disability visibility through her pageant platform.If you're interested in any topics and advice discussed in this podcast, please follow up with your GP or healthcare practitioner.If you are experiencing any issues discussed in this podcast, please get in touch with your healthcare practitioner.Hosted by Chantal Boyle and Lynn Smith, Hidden Disabilities Sunflower. If you enjoyed this podcast, please rate, review and share it to increase awareness and understanding of non-visible disabilities.Find out more about the Sunflower by visiting the website hdsunflower.comMusic by "The Emerald Ruby" Emerald Ruby Bandcamp and Emerald Ruby website

In this powerful episode, Ash Couchman & Shaylee unpack Jesus’ words in Matthew 9:37–38—“The harvest is plentiful but the workers are few.” What does it mean to be a worker in God’s harvest field? And why does Jesus ask us to pray for more? Ash & Shaylee explore the urgency of sharing the good news, the role we all play in God’s mission, and how to respond when God stirs your heart for something bigger than yourself. Get Connected:Follow us on InstagramJoin the Facebook CommunityGot something to share? Email us at everydayjoy@positivemedia.com.auSee omnystudio.com/listener for privacy information.

What if you truly believed that God’s Spirit lives in you? In today’s episode, Ash Couchman is joined by Shaylee to explore 1 Corinthians 3:16—“Don’t you know that you yourselves are God’s temple and that God’s Spirit dwells in your midst?” Together, they unpack the weight and wonder of carrying God’s presence in our everyday lives, and how that truth shapes the way we live, love, and honour Him. See omnystudio.com/listener for privacy information.

In today’s episode, Ash Couchman unpacks the powerful promise from Isaiah 54:17—“No weapon forged against you will prevail, and you will refute every tongue that accuses you.” This verse reminds us of God’s unwavering protection and justice. No matter what opposition or accusations we face, God promises that they will not succeed. Ash explores how we can stand firm in our faith, trust in God’s defence, and know that He will make all things right in His perfect timing. Get Connected:Follow us on InstagramJoin the Facebook CommunityGot something to share? Email us at everydayjoy@positivemedia.com.auSee omnystudio.com/listener for privacy information.

In Shaylee’s final week on the podcast, she and Ash Couchman dive into the bold truth of Acts 4:12—“Salvation is found in no one else, for there is no other name under heaven given to mankind by which we must be saved.” Together, they reflect on the exclusivity of salvation through Jesus and why that makes the Good News too important to keep to ourselves. It’s a powerful, heartfelt conversation that encourages us to live with boldness, compassion, and purpose.See omnystudio.com/listener for privacy information.

In today's episode I speak with Shaylee Hancock from Glow Sis Social. Shaylee has her degree in marketing and has helped thousands of estheticians grow their businesses. We talk about the mistakes we see esthetician business owners make when marketing their businesses and what we think they should do instead. Do you need help raising your prices? If so, come to my workshop, Profitable Pricing on Monday, April 21 at 11 am EDT. If you sign up by April 4, you get the early bird pricing. Learn more here.Learn more about working with me 1:1 to Double Your Esthetician Business. Click here!Get the formula for making 100k in Revenue for FREE ⁠here⁠.Follow me on Instagram: @esthetician.coach

Shaylee and Casey's relationship and story is a special one that was furthered by attendance in BUY's Leadership Breakthrough class.

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Oh hey! Ever feel like you’re just trying to keep everything together? In today’s episode, Ash Couchman and guest Shaylee unpack Proverbs 24:3-4: “Good homes are built on wisdom and understanding. Knowledge fills the rooms with rare and beautiful treasures.” Together, they explore what it really means to build a strong, faith-filled home—one that’s not just about decor or success but is grounded in God’s wisdom. Shaylee shares personal insights on how understanding and knowledge shape our relationships, choices, and the atmosphere of our lives. If you’re longing for a home that reflects God’s love and peace, this episode is for you!

Oh Hey! In today’s episode, Ash Couchman and guest Shaylee dive into James 3:16: “Whenever you’re trying to look better than others or get the better of others, things fall apart and everyone ends up at the others’ throats.” We all face moments where pride and comparison creep in—whether it’s in friendships, work, or even our faith journey. But what if striving to be “better” is actually tearing us apart? Shaylee shares personal insights on how humility and a heart aligned with God can bring peace instead of division. If you’ve ever felt the tension of competition in your relationships, this conversation is for you! Let’s unpack how to let go of comparison and walk in God’s wisdom.

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✨ Merry Christmas from the Everyday Joy team! ✨ This Christmas, join Ash, Shaylee, and Tilly for a joyful, heartwarming Christmas special that celebrates the incredible gift of Jesus Christ! Together, they reflect on Galatians 4:4-5: “But when the set time had fully come, God sent his Son, born of a woman, born under the law, to redeem those under the law, that we might receive adoption to sonship.” Discover the profound meaning of Christmas as the trio unpacks the perfect timing of Jesus’s birth, the beauty of God’s redemption plan, and the life-changing truth of being adopted into God’s family. With laughter, personal stories, and heartfelt reflections, this special will fill your heart with gratitude and hope this holiday season. Whether you're looking for encouragement, inspiration, or a reminder of why Christmas is truly the most wonderful time of the year, this episode is for YOU! Listen now and let the joy of Christ’s love light up your Christmas! Get Connected:Follow us on Instagram: Everyday Joy PodcastJoin the Facebook Group: Everyday Joy Podcast CommunityGot something to share? Email us at everydayjoy@positivemedia.com.auSee omnystudio.com/listener for privacy information.

Join Kristin and Nat as they chat with Shaylee Mills, The Rural Pharmacist. Shaylee works in the beautiful Pilbara region of WA - google it - the scenery is spectacular! Although it is at least 17 hours drive from the nearest capital city (Perth) - Karratha is far from a small town and is home to around 22000 people. Shaylee shares what her world as a pharmacist looks like and some of the benefits (and challenges) of working rurally. You can find Shaylee here and don't forget to give Purple Pen a follow too!

Shaylee Mejia's story reveals how relentless bullying can turn into a tragedy that no one saw coming. Her dream of becoming a nurse was cut short in the most heartbreaking way, and now her family is left grappling with an unimaginable loss. Join us as we delve into the devastating consequences of unchecked cruelty and uncover the details of a case that calls for greater awareness and stronger intervention. This is the tragic case of Shaylee Mejia.You can listen to our NEW episode on Spotify, Apple Podcasts, and all other streaming platforms.

In this episode of FCC Talk, hosted by Jon Rhoades, Children and Family Minister, and Shaylee Stantz, WeeKidz Director, the conversation dives into some thought-provoking topics at the intersection of faith and culture. They start by discussing a surprise moment at a church service where Carrie Underwood led worship with a powerful rendition of "Goodness of God." Both hosts reflect on how this kind of celebrity involvement in worship impacts the congregation and whether it enhances or distracts from the spiritual experience.https://www.crosswalk.com/headlines/contributors/michael-foust/carrie-underwood-leads-church-worship-with-powerful-goodness-of-god-rendition.htmlThe second topic shifts to Tim Tebow's fight against human trafficking, highlighting his commitment to battling spiritual warfare in this dark and difficult mission. Jon and Shaylee react to Tebow's inspiring story and his efforts to bring hope and change to a deeply troubling issue.https://www.christianpost.com/news/tim-tebow-on-battling-spiritual-warfare-in-sex-trafficking-fight.htmlFinally, the conversation turns to the future of evangelism with the introduction of "AskCathy," a new AI-powered chatbot designed for church outreach. The hosts discuss whether they would personally use such a tool and explore the ethical and spiritual implications of AI in ministry. They raise important questions about the role of technology in faith and whether it can truly substitute for human connection in spreading the Gospel.https://premierchristian.news/us/news/article/ai-evangelism-church-launches-new-chatbot-askcathyTune in for this engaging discussion on modern worship, social justice, and the evolving landscape of evangelism in the digital age.

Shaylee Ungos has a special connection with Volleyball; it is a part of her Hawaiian culture, and her parents met each other playing the sport. However, she really fell in love with the sport while living in Korea on a military base during Covid. It provided an outlet and ability to see her friends when she would be otherwise isolated. Without the resources, coaching and support that other elite athletes in America are afforded, she created her own process largely training alone and used social media as a tool to document and track her progress but also develop content for recruiting. Ironically, it was documentation of a major injury and the pain of losing her sense of self as an athlete that opened her eyes to how much support and love she had all along and inspired her smile at the little things and appreciate every piece of joy. In addition to redefining her relationship with sports, she also redefined her relationship with social media and become more intentional about creating and consuming. In doing so, she improved not only her p[physical but also mental health. She is currently a collegiate volleyball player, THO Campus Captain, an awesome mental health advocate, and a content creator for student-athletes who has built her own social media following to over 50k followers while helping others learn how to capitalize on NIL. Shaylee has even partnered with United Sports Abroad a non-profit that supports military kids like herself with recruiting, media exposure, and camp or tournament opportunities.  @shayleeungosvb

Discover the incredible power of nature therapy and photography with Shaylee King, a passionate environmentalist and documentary photographer. In this discussion, Shaylee shares how investing in her business not only helped her grow professionally but also transformed her life by providing a powerful source of healing and personal growth. By tuning in, you'll learn how to leverage your skills and interests to overcome self-doubt and limiting beliefs, while also expanding your business and finding greater success. Don't miss this opportunity to explore the full potential of your talents and discover the adventure that lies within.What You'll Walk Away With From This Episode:How To Use Your Story To Empower Your Business: Shaylee discusses how she integrated her background and love for nature into her business, using creativity as a tool for advocacy and business growth.What You Need To Do To Redefine Your Success: How to measure success in ways that go beyond just financial achievement. It focuses on learning to value personal well-being, practising mindfulness, and aligning business goals with personal values, offering tangible strategies to redefine what success means for them personally and professionally. How to Find Your Strength: What helps Shaylee to overcome imposter syndrome and embrace authenticity, Shaylee demonstrates how incremental steps and focusing on the true self can lead to a fulfilling life and impactful projects.Shaylee's story of resilience will inspire you. Follow her on Instagram @shayleekingphotos & explore her website www.shayleeking.comSupport the showTo Work With Nikita, Book A Free Sales Call Here.Loved this episode? Leave a review: https://www.craftedtothrive.com/reviews/new/Subscribe to Chronically Profitable: The Flare-Proof Path to $100K a weekly exclusive series delivered as an email or a podcast episode that helps service-based creatives and coaches living with chronic illnesses to have a simple sales strategy that works without waiting to be flare-free & while you're healing.Follow Nikita on InstagramSupport the show

Ryan Maloney was in high spirits when this interview was recorded on Thursday Dec 14th. He was looking forward to a big book of eight rides at Eagle Farm but fate saw him in a hospital bed in the early hours of Saturday morning. Anybody who has suffered a kidney stone episode will know that there are few more painful experiences. He's over the trauma and keen to get back to work. Ryan reviews his fortuitous decision to leave Victoria. He talks about the upward spiral of Queensland racing, and the newly refurbished Gold Coast track. Ryan talks of the beginning of his association with Toby Edmonds.  He remembers a later trip Toby made with brilliant filly Houtzen. The jockey talks of early life in Colac and the scant racing background in his family. He talks of his first apprenticeship to local trainer Mark Young. Ryan hasn't forgotten his inauspicious riding debut at Horsham and the magic of his very first win. He looks back on his journey from Colac to Flemington and an apprenticeship to Robert Smerdon. Ryan recalls his first metropolitan win and a productive association with trainer Robbie Griffiths. He acknowledges some of his favourite horses from the Griffiths yard. He looks back fondly on a brief association with champion sprinter Nature Strip.  Ryan remembers a great winning run with the Jamie Edwards trained Sertorius. He reflects openly on his positive test to a banned stimulant and the resultant four months on the sidelines. He gives a valid reason for his misdemeanour. Ryan looks back on the wonderful diversion he stumbled upon during his time out. He landed a role in the popular movie “Ride Like A Girl”, and loved the experience. He talks about his instant rapport with trainer David Vandyke, and the wonderful horse at the centre of the new partnership. Ryan takes us through his journey with the massively talented Alligator Blood. He talks of a Sydney stint with the Neasham stable and his partnership with quality mare Sunshine In Paris. Ryan speaks of his association with Isotope and the highs and lows that came with it. The jockey speaks of the Gollan trained Skirt The Law, the filly to give him a Magic Millions triumph. He talks of a Doomben Cup win for Team Snowden. Ryan pays tribute to wife Shaylee and daughters Stella and Isla who love the Queensland sunshine as much as he does. It's a good yarn with a 38 year old jockey whose move to Queensland has been career defining.

Today's podcast episode is a short one where Shaylee and Kiley talk about their spooky encounters & Kiley shares some halloween-inspired conspiracy theories. Shaylee's dress - https://bit.ly/48UpGpo Kiley's Sweatshirt - https://bit.ly/471Dgpp We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleejustshaylee

Host: Jon Rhoades

Today on the podcast the amazing Jo Beckwith (FootlessJo) shares why she decided to amputate her leg, and how it catapulted her on social media. Has she made peace with it? What has dating been like for her in a disabled body after her divorce? You don't want to miss her awe-inspiring story! Follow Jo on YouTube - https://www.youtube.com/@FootlessJo First episode of Turbo Dude podcast (featuring Shaylee) - https://www.youtube.com/live/LHanAb5LY94?si=eRyne0o90JdAiDX9 We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleejustshaylee

Hosts: Jon Rhoades, Children and Family Minister | Chris Gregg, Senior Minister

The first half of the podcast Kiley shares all about her recent trip to Disneyland; the second half Shaylee shares her recent mental health diagnosis. We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

Today on the podcast Shaylee and Kiley read their old journal/diary entries. While there are some hilarious entries, there are also some a little more heart-breaking. This podcast keeps things honest and real, always. Journaling is such an awesome way to channel your emotions and inner feelings and to look back one say and see how far you have come! We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

Today on the podcast the incredibly inspiring Megan Dawn Owen shares her journey of surviving marital abuse, deconstructing her faith, and how to heal our inner child. Listen until the end for an exercise you can apply to your own life to heal the little you who so desperately wants that love you needed. Megan is fully-certified since 2012 as a crisis pastoral counselor and a certified chaplain. Connect with Megan: https://www.mountaincitychristiancounseling.com/ https://www.facebook.com/MCCCCorp Megan's Podcast: https://www.mountaincitychristiancounseling.com/podcasts/pretty-psych-2 We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

Jazsmin Halliburton kicks off the inaugural episode of Run It Back on Kansas City Sports Network by discussing the start of fall sports at Kansas State, how the KSU women's soccer team has started the season, and more! Then Jazsmin is joined by special guest sophomore volleyball player Shaylee Myers to discuss her experiences at Kansas State, the team culture, the new volleyball facilities, and the upcoming volleyball season! — Find the best Kansas State looks for this season at Homefield Apparel. Check out their entire K-State collection here: https://www.homefieldapparel.com/collections/kansas-state-wildcats-vintage-apparel-shop — The best Kansas City sports coverage in one place. Download our app now! Apple: https://apps.apple.com/us/app/kcsn/id6443568374 Google Play: https://play.google.com/store/apps/details?id=com.kcsn&hl=en — Download the DraftKings Sportsbook App NOW and sign up with promo code KCSN! https://apps.apple.com/us/app/draftkings-sportsbook-casino/id1375031369 — Subscribe to the KCSN Daily substack for film reviews, exclusive podcasts, KC Draft guide, discounts and access, giveaways, merch drops and more at https://kcsn.substack.com/subscribe FOLLOW US ON: Facebook - https://www.facebook.com/KCSportsNetwork Instagram - https://www.instagram.com/kcsports.network/ Twitter - https://twitter.com/KCSportsNetwork Substack - https://kcsn.substack.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kiley and Shaylee have taken a huge summer break but they're back with a life update, and that includes how things are going in Shaylee's relationship! We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

The health of a grapevine starts at ground level – literally in the soil. The California Department of Food and Agriculture is helping farmers improve the quality of their soils through the Healthy Soils Initiative. Taylor Jones, Ph.D., Director of Viticulture at Star Lane and Dierberg Vineyards used his funding as an opportunity to study the effects of compost. After completing two three-year trials in six different soil types in two American Viticulture Areas, Taylor found that compost additions significantly increased organic matter, Reduced Nitrogen, Phosphorous, and Potassium usage by 35 percent, and decreased water use dramatically. Listen in to hear the only downside to increasing the use of compost on your vineyard. References: 149: Fair Market Trade: Arbuscular Mycorrhizal Fungi and Grapevines 151: The Role of the Soil Microbiome in Soil Health 163: Onsite Compost Production Using Vineyard Waste   165: Become a Microbe Farmer: Make Compost   167: Use Biochar to Combat Climate Change California Department of Food and Agriculture's Healthy Soils Initiative Compost Benefits and Quality for Viticultural Soils Compost use in premium vineyard development Dierberg Vineyard Taylor Jones LinkedIn  Tyler Jones: taylor@dierbergvineyard.com Vineyard Team Programs: Juan Nevarez Memorial Scholarship - DONATE SIP Certified Vineyard Team – Become a Member Get More Subscribe wherever you listen so you never miss an episode on the latest science and research with the Sustainable Winegrowing Podcast. Since 1994, Vineyard Team has been your resource for workshops and field demonstrations, research, and events dedicated to the stewardship of our natural resources. Learn more at www.vineyardteam.org.   Transcript Craig Macmillan  0:00  Here with me today is Taylor Jones. He's Director of Viticulture at Star Lane in Dierberg Vineyards. And we're gonna talk about some soil health projects that he's got going. Thanks for being on the podcast.   Taylor Jones  0:10  Yeah. Thanks for having me.   Craig Macmillan  0:12  I just learned about this recently, and you talked about a little bit in the vineyard team tailgate meeting that got me interested, you have more than one thing going on? Is that right? Yeah, yeah, we do. And these projects are funded by the California Department of Food and Agriculture Healthy Soils program. Is that right?   Taylor Jones  0:25  Yes, that's correct.   Craig Macmillan  0:27  We'd love to chat about that part of it a little bit later. But right now, I really want to know what you're doing. How many projects, what are they about? What are you trying to find out?   Taylor Jones  0:33  We have two projects, we were awarded two different grants, one for each of our vineyard properties that we have. So we have one healthy soils project over in Santa Rita Hills that started in 2018. And it's a three year program. And then we have another project that's healthy soils program at our Star Lane Vineyard in Happy Canyon, AVA and over their three year project also. And that one started in 2020, I believe. So we just hit our final year, this this last year. So yeah, to two different projects. And essentially, we're the states paying us to put compost down and improve our soil health. So we're jumping on that and trying to see what actually happens in the vineyard after compost has been applied. Since we're getting all of this compost from CDFA. It's we're going to use the money that we're saving on the compost to kind of do some some studies and see what's actually being impacted in our vineyard soils.   Craig Macmillan  1:30  So talking about the Star Rita AVA, project.   Taylor Jones  1:33  Over at Santa Rita hills, we have Drum Canyon vineyard, and over there we were awarded, it was 35 acres of compost applications, we had six tons per acre. For three years, over the three year span, we had 18 tons per acre put down down over there what we did, we tried to, as best we could make an experiment, you know, it's kind of hard to make a proper randomized trial. In a field when you're doing compost applications with your normal operations, we try to apply compost in all the areas that we could in our vineyard and while leaving a few barrier rows that we could do tests. And so we had, for example, we'd have 10 rows applied with compost, and then a few rows, no compost so that we could test those rows separately see what's going on. Are there changes in organic matter? Are we seeing changes in compaction, all the good stuff that comes with soil, so testing soils for nutrition, microbial populations, and then also water, I think water is the big thing. So that's how we set everything up on the property, we have five or six different soil types that we apply conference to and in each soil type, we did our own measurements there. And we were able to have soil moisture probes in most areas so that we could utilize those to help with some data. We really saw a lot of benefits from putting the compost down. I mean, we're in you're entering our sixth year after application, the state's requiring us to send a final numbers and we have to do one more test of organic matter. So that's coming up soon for our final dataset. Overall, we saw some great really good impacts from from the healthy soil program at that site.   Craig Macmillan  3:11  Before we go farther, are we talking about banding under the vine we're talking about broadcasting?   Taylor Jones  3:14  Whenever you do your grant, you have to specify what you're going to do. And in our case, we went with banding the spreader that we have is a bander you know we'd have six foot rows and we have a ag soil works hydraulic gripper, the wings move. So we're in an area where we have a lot of compaction. Typically we like to rip every three years every other row. And so that kind of led to the decision of banding. We're getting the compost close to the vine. Since we're in a six foot row, our rippers going right down the vine row right next to the root zone. So we're trying to get everything incorporated and move down lower in the soil profile. That was our target what we did we since we had three different years, and we didn't want to rip every single year, we did well alternating rows. One year we did every other row with a compost band and rip. The following year we did the even numbered rows with the compost band and rip and then the final year, our desire was to go no till so at the final year, we banded and we just did a light disk and seed on top of that, that we didn't unnecessarily rip over again. So it was technically a combo of riping and broadcast.   Craig Macmillan  4:22  Unrelated just further conversation that I've had weed control under the vine using some kind of cold federal weed knife or using herbicides?   Taylor Jones  4:31  For the extent of this trial. We use it herbicides, trying to keep all the weeds down as much as possible so that we're not seeing any funky results coming from having weeds all over the place. So we try to keep the berms clean as possible.   Craig Macmillan  4:42  And this one has been going for a little while now. What kind of preliminary results do you think you're seeing?   Taylor Jones  4:47  We're seeing some some great preliminary results. The most impactful result that we're seeing is water. Our water usage has declined dramatically. I mean, we went from irrigating every two weeks historically, this will be my eighth vintage here at the company, we used to always pretty religiously we'd water every two weeks, if not more over on that property. And every year, we were kind of able to spread that out, we were seeing water holding capacity almost increase. So last year, we ended up waiting 79 days from basically from bloom until we harvested, we were able to not water at all. Pretty amazing, we were able to heat stress, we have totally sensors in the field that help us tailor our irrigation strategies, but that 79 days of no water being used was significant for our operation in terms of water savings, you know, propane costs, even the irrigator had more time to do other things besides troubleshoot the irrigation system. I think all of that kind of stemmed from the organic matter increase. We saw, on average over a three year timespan, the average was about point 2% increase in organic matter per year for those three years. And you know, 1% organic matter is more or less 20,000 gallons of water per acre that you can hold. That's our goal. Let's try to increase organic matter by 1% and try to achieve that extra water holding capacity. Let's see how high we can get and so we had different different soil types reacted differently in terms of how well they held water.   What kind of soils do you have out there? We're talking about the Santa Ynez River Valley, we're talking about being relatively close to Lompoc, for those of you who are interested, there is tremendous will type variability all through that area. And Drum Canyon is relatively on the west side of that area. I would describe it as that what kind of sils do you have out there?   So we have top of the hill pure sandbox, as you go down the hill, we have some nice Shaylee loans. As we continue down, we get more and more loamy but a little bit more clay and silt as you kind of go to the flats. We're getting a lot more water holding capacity there in the flat zone. And then we have another corner of the vineyard that is the lowest coldest spot and that's mostly sand like a kind of like a sandy clay. So huge variability in soils, we kind of have almost all the types on our property, which is well fun for me.   Craig Macmillan  7:12  Fun for you. Tremendous variation in water holding capacity.   Taylor Jones  7:15  Oh yeah, we had a block we tried to establish our sandy soils, and that was watering twice a week with four gallons per vine, like just trying to get those vines. I mean, it's windy there, we have a lot of struggles and sand is sands an issue trying to get vines established. And to get that taproot down, otherwise, our loams on the hillsides, they tend to have good drainage, they're maybe two feet deep before you hit a layer of sandstone. So our soils are fairly shallow. So we get good water infiltration and penetration, good ability to stress the vines out quickly, but not really holding water. Well, as you get to the flood zone, we've always been able to irrigate a little bit less often those soils kind of have more of clay particles, they're holding on to water a little bit more, until you hit the sandy zone and there are definitely watering twice as much as we do in other areas.   Craig Macmillan  8:02  But you're seeing improvement in all these areas?   Taylor Jones  8:05  Definitely every single area of all in line with each other and what what we're seeing in in our sandy soil series, we saw the higher increase in organic matter than the other soil series. And we were able to irrigate slightly less in those zones than the other ones, which then in previous years percentage wise, which was surprising, but also I'm so glad water is the same you know, in our sandy soils, we saw almost it was point eight 5% organic matter increase total over a final timespan. So that's the equivalent of 16,600 gallons per acre that of water that was used, On the lower end some of the, our loamy silty soils, we ended up getting about a point seven 2.45% increase over five years. So a little bit different there. But you know, we didn't need as much help with holding water in those soils of the sandy soils. So it kind of balanced out percentage wise in terms of how much water we were using.   Craig Macmillan  9:06  What about above ground? Did you see changes in the vines, the fruit crop load, wine quality?   Taylor Jones  9:11  Not so much crop load tons tons per acre, we're pretty spot on throughout the vineyard with seasonal variability. For better or for worse. Some areas we had too much vigor, some areas are vigor was improved overall vigor was higher than than previous years, even with reduced water and reduced and reduced fertilizer inputs as well. So yeah, above ground pruning weights increased a little bit. But that was that was kind of expected. We're having a lot more vigor. But yeah, fruit load was not impacted, which is fine. We're not like trying to pump out as much fruit as possible.   Craig Macmillan  9:43  We've made wines out of these?   Taylor Jones  9:45  Yes. So why is not really a lot of changes in wine. Our winemaking team. They make a couple different wines. A lot of its blended from different areas of our flat zones. And in our other ranch we saw some Yans increasing Other than Yans, that's about it in terms of wine quality was still on point with with every previous year, so no changes in wine quality and no changes in Brix or pH, anything like that phenologically ripening, everything seemed to be pretty, pretty standard for our ranch.   Craig Macmillan  10:18  And that's a good transition. So what about the Happy Canyon?   Taylor Jones  10:21  We're just getting some, I'm finally organizing some data for Happy Canyon. And they're we're seeing similar results. And if anything this year more so or we have had some pretty significant rains. But our cover crop took off a lot quicker than any previous year, this last November, November, December is when we put our final load of compost in from healthy soils. So we were in year three, and we're finally seeing cover crops just taking off. Unfortunately, I think the only downside of these projects has been a lot of increase in in inter row weeds, we've had a lot more weeds creeping up. And that's just I think, some of the compost we're getting this now the seed beds in there just stuck there. And you can see the Malvo just coming up right where we planted and ripped, which is frustrating, but I'll take the soil benefits and deal with the weeds later, you know. Happy Canyon, we're seeing very similar results, we're starting to be able to use less water on a per annual basis, we have a little bit less soil diversity over at Happy Canyon a lot more silty clay silty on the hillsides, clays towards the bottom and the flats. That grant there was 95 acres of compost and give that reference over over a three year timespan that ends up being it was 58 $59,000 worth of compost that we got to not to have from the state which which was phenomenal. And then at the Star Lane project, we're only doing four times an acre, not six tons an acre, the grants kind of based off of what compost you're buying and your carbon nitrogen ratio of your compost, so four tons an acre and Happy Canyon still with the goal of trying to go no till over there. And we're seeing similar increases in organic matter where we're getting that point 2.25% increase year after a year. So there were targeting hopefully, my goal is to find one block, maybe that we can get a full 1% increase in that would be amazing. But it's good to see similarity over two different ADAs two different ranches. It's nice to see the similarities kind of confirming what we're seeing at one ranch versus the other ranch.   Craig Macmillan  12:24  And I want to come back to that. But before I forget, again, we're talking about this is four tons per acre banded, you are not tilling the middle right now.   Taylor Jones  12:32  Correct.   Craig Macmillan  12:33  But you are tilling with that piece of equipment over at the Santa Rita ranch when you have to occasionally yes in terms of no tilled you for see Star Lane being able to farm with a no till system indefinitely? Or do you have plans that you'll have to reset the system every so often? And if so, how would you go about it?   Taylor Jones  12:53  That's that's a good question. I think that I would love to go no tilling indefinitely, unfortunately, with the rate of compaction all of our soils have and then the heavy equipment we're using it's it's inevitable that we're going to have to rip and till but I don't think that we'll ever have to do like every single year full plowed down kind of stuff. I'm totally fine with instead of ripping every three years, let's double that to rip every six years or even further down the road, see how far we can push it. I think with our compaction results that we're seeing in both ranches, our rate of compaction has reduced by about 80% We should be able to go for about five and a half years without ripping instead of every three years. So we can probably push that to six years and rip and then you know, maybe future copost applications will help reduce that even more. We're doing some no till trials where we planted a vineyard and started it no till and comparing it to the same block that's being tilled annually every year. And so far, we're five or six years in now and seeing no differences in yield or plant growth which is promising because I think that for our soil future we kind of need to go the the no till route and you know show that it can be done. And let's see what happens.   Craig Macmillan  14:06  Something that we didn't touch on that. I think if our listeners are not familiar, this is in Santa Barbara County, Santa Yenz Valley. Happy Canyon and the Star Rita AVAs are about as different as you could possibly get in my opinion. So fill us in a little bit about what's going on soil and climate between those two branches.   Taylor Jones  14:24  Both are similar in terms of frost. I mean we had we always have the same amount of frost days I feel like but yeah, so So Santa Rita hills a lot closer to the ocean. You've got the Santa Ynez mountain range, they're going east to west kind of funneling in all the morning fog so we get Santa Rita Hills morning fog usually burning out towards the end of the day, high winds and that that kind of leads to some nice distressed plants are really big fluxes in temperatures with daytime highs versus nighttime colds very similar toHappy Canyon Aava like stuff over there, we get a lot warmer during the day, we're seeing a lot more 90 degree plus days than what we would see in Santa Rita Hills. And with with the way the climates moving, both ranches seem to be trending towards more and more and more high heat days. And we're seeing more cold days as well. And out at Happy Canyon, we're kind of on the far edge of Happy Canyon where Star Lane is and we have morning fog kind of creeps in and it will kind of tickle the edge of our ranch almost kind of recedes a lot more back into Santa Ynez. So at Star Lane, we get a lot more a lot less foggy mornings, kind of ocean mist, and we have a lot more beautiful sunny mornings out. But over there, we also have a lot of wind as well, the significant amount of wind. So AVA wise, they are, you know, they're fairly, fairly similar, I would say only because you have some of that marine influence. High winds with soil types are completely different. And just like the amount of the day that you're getting sunlight in different areas, and wind is fairly different as well.   Craig Macmillan  16:05  Tell me a little bit about the Healthy Soils program. I think this is a really fascinating thing. I remember when it started, and how did you find out about it? How did you get led to it? What was the process like for getting into it?   Taylor Jones  16:17  Trying to think I found it, I really liked looking for grant money, I came from an academic background. And if there's free money to be had, why not apply for it, we use all the tractor replacement grants, we're trying to get electrification grants, you know, find money where we can find it to help our help our company out. Pretty sure we just stumbled upon this program being available. And we basically talked to CDFA. And we're like, Hey, we're interested in applying and said, Here's the process. And it ended up being kind of ridiculously easy. I'm surprised that more people don't apply for Healthy Soils programs, there's just an an online application that you fill out, not only while you're filling out this application, they make you use the Comet Planner tool online, which is a really fun tool, if nobody's used it before, just to estimate greenhouse gas emission reductions based on you know, that's, that's kind of the core of the program is reducing greenhouse gas emissions and increasing organic matter in your soils. And comet planner can kind of help you look at that. So there's some criteria you have to meet, you cannot have applied compost on these fields within I forget what it was in the last five years or something like that. If you've been applying compost, you can't get the Healthy Soils program. So we used some areas, we had put compost down so we couldn't use those zones, which is why in our Drum Canyon Ranch is 69 acres, but we could only put compost down on 35 of that. So that's one One limitation of the program. But overall, you pick your blocks that you want to do you set out a sampling protocol for them. And they'll usually accept it. And it's essentially you sample your soils every year during the program prior to compost application. And they'll reimburse you for those soil samples as well. So that you can track your organic matter. That's that's all they require. We submit our soils for more testing than just organic matter. Yeah, overall, it's a really simple end of the year, you have to send them proof of your project. And that's generally photos of the compost arriving pictures of the team implementing the compost, actually putting it into the ground, receipts, invoices that you had for just everything to prove that you've done what you do. And then yeah, it's three years. And then in year five, you have one last soil sample to send to the state. So overall, it's a simple application process. I found it one of the easier grants to actually apply for.   Craig Macmillan  18:38  You mentioned that you were doing soil analysis beyond just the soil organic matter what what variables are you looking at?   Taylor Jones  18:44  We just submitted for a full a full soil health panel looking back on it, I wish I would have added bulk density on that, because I think that would have been interesting to see how it changed. But you know, hindsight is 2020 but we looked at you know, NPK, calcium, magnesium cation exchange capacity. Any differences in pH, soil moisture, sodium, just kind of the whatever you send to us soil lab, whatever they'll give you for those tests. I think the biggest thing was we reduced our NPK usage by about 35%. At both ranches after this soil results showed you know we had some NPK increases, but not really as much. I think what we're seeing more so is our vines, roots, finding new areas where they haven't been before. And they're kind of being able to utilize resources that previously weren't available to them. So that's leading to our decrease in fertilizer usage, which is great. We're trying to go towards organic and getting away from a lot of inorganic fertilizer usages would be spectacular.   Craig Macmillan  19:47  That reminds me of something so have you been applying either synthetic organic NPK formulations on top of the compost as the compost been it for the fertility program?   Taylor Jones  19:56  We still do add a little bit, a little bit of NPK but more so calcium, we will have more calcium applications. Especially out in Happy Canyon, we have really high serpentine soils and really bad magnesium problems. So we're always trying to add in gypsum and calcium whenever we can. The Drum Canyon Ranch, not too much of a problem over there we have a problem with potassium uptake. Um, so we do increase our potassium usage they're coming into this year, I think we're really going to reduce based on what we saw last year in terms of vigor and vine health. I mean, our nitrogen applications are going to be really low. Phosphorus, we're always pretty fine on we don't need to use much will probably continue with potassium, but we'll see what petioles looked like this year.   Craig Macmillan  20:40  Well, we're running out of time. Is there one thing that you would tell a grower one piece of advice you'd give to a grower regarding what you've learned from this project?   Taylor Jones  20:49  I mean, the advice is use compost, I think we're we're seeing root zones reaching areas they haven't before where we're using significantly less water, which is just key to farming in California and really in the world going forward. You know, you're you're increasing your CEC or your cation exchange capacity so less nutrients down I mean, you're getting compost is kind of like a win win scenario. The only downside is weeds. Our soils are seem to be returned to normal. We had earthworms returned for the first time since I've been at this ranch. Five different soil pits we found earthworms in which they've never been in before. They're kind of creeping in from the edges, which is awesome. I think we're gonna maybe transition to worm farming.   Craig Macmillan  21:33  (laughs). Where can people find out more about you and what you do?   Speaker 2  21:39  you could always find out. Dierberg and  Star Lane Vineyards, we have Dierbergvineyard.com. Starlanevineyard.com. Otherwise, I kind of just bounced around the Santa Barbara County. I think it always...   Craig Macmillan  21:50  Just like if you're looking if you're looking for him. Just go to Santa Barbara County and drive around a little bit. Yeah. Probably near a vineyard.   Taylor Jones  21:58  Yeah, exactly.   Craig Macmillan  22:00  He has a lot of friends.   Taylor Jones  22:02  But no, yeah, you know, I'm happy if people want to reach out to me. You know, my emails, Taylor taylor@Dierbervineyard.com. Yeah, happy to help people out with applying for grants or if they want to chat or look at some data. I'm always down to see what other people are seeing and compare what we're seeing in our AVA versus another AVA or different grower strategies for compost applications. You know, I think information sharing is the way to go.   Craig Macmillan  22:28  Yeah, totally. Fantastic. Well, Taylor, I just am so happy you could be on the on the podcast, this has really been fun for me.   Taylor Jones  22:35  Thanks for having me.   Craig Macmillan  22:36  This is a topic. It's obviously a hot topic, continuing topic. And I think that the longer that we as an industry have been doing this, because this isn't something that people were doing in the 70s for instance, you know, is this you know, we've all had to learn we've had a compost is not just compost, you need look, the analyses and this rate is not the same as that rate and on the soil does that and the fact that you guys are doing that work along with everybody else and that you're sharing information. I think it's really fantastic. So, thank you so much for your contribution.   Taylor Jones  23:03  Yeah. Thank you.   Craig Macmillan  23:04  So our guest has been Taylor Jones. He is director of viticulture at Star Lane and Dierberg Vineyards in Santa Barbara County.   Transcribed by https://otter.ai

In today's episode Kiley created a list of unpopular (and maybe controversial) opinions and they both react to their thoughts. What are your unpopular opinions? We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

Our expectations aren't always realistic. On today's episode, Kiley shares Marriage Expectations vs Reality as a newlywed, and Shaylee (who was married for 12 years before getting a divorce) shares her thoughts on this topic, as well. Were there any more that you thought of that were not mentioned? We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

In today's episode, Shaylee (finally) gets to tell you all about her boyfriend, Austin! How did they meet? When did he meet the kids? She's answering all the questions that were sent in asking about this relationship - her first since the divorce! We are Kiley and Shaylee, sisters navigating different seasons of life being engaged (now married) and divorced.  Let's talk about it ALL - weddings, figuring life out after divorce, dating, and more. If you prefer, you can watch all our episodes on our YouTube channel! https://www.youtube.com/channel/UChwxLmofZP7QseZPsz2DGFw Follow us on instagram @engagedanddivorced & also our individual accounts @heykiley @shayleemeurer

This week we're joined by special guest Shaylee O'Loughlin, Fr. Michael's niece! Shaylee talks about her experience as a new college student, the importance of making friends and getting a bit outside of your comfort zone, her love of music, and the importance of music within the liturgy.References:Childlikeness - Episode from Catholic StuffFollow and Contact Us!Follow us on Instagram and FacebookWe're on YouTube!Join our Goodreads GroupFr. Michael's TwitterChrist the Bridegroom MonasteryOur WebsiteOur NonprofitSupport the show

Dano and Ice are back on Dice it Up with 2 interviews! The MAAC Preseason pick for player of the year, Manhattan College's Dee Dee Davis, and 2 time WCC player of the year, University of Texas guard Shaylee Gonzales.

DWM presents The Hidden People, season 3, episode 14 "The Ties that Bind" Written by Alexa Fett Fisher Directed by Chris and Megan Burnside   Worried that the end is near, Nissa has something she needs to do. Mackenna and Shaylee seek justice for Morgan's attack.    Join us on Patreon for over thirty hours of full-length bonus episodes and commentaries, plus sneak peeks, invites to (virtual) live episode premieres with cast and crew, and more. Join us at patreon.com/hiddenpeoplepodcast to support the show. Then take a moment to share your love for The Hidden People on whatever social media you prefer. If we can gain enough support, we can keep making more of the show.   Find episode transcripts at: https://hiddenpeoplepodcast.com/transcripts/   Producer: Clara James   Check out hiddenpeoplepodcast.com for more info on the show.   This episode uses sound from Freesound by onteca. https://www.facebook.com/hiddenpeoplepodcast/ Twitter: @dwmpresents Instagram: dwmpresents and thehiddenpeoplepodcast   The Hidden People is a work of fiction. Any resemblance to real persons, places, and/or events is purely coincidental.   Copyright 2022 Dayton Writers Movement ltd. All rights reserved.

Today's Co-Hosts: Ben Criddle (@criddlebenjamin) Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcastshttps://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id996764363Google Podcastshttps://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMTM2OTkzOS9lcGlzb2Rlcy9mZWVkSpotifyhttps://open.spotify.com/show/7dZvrG1ZtKkfgqGenR3S2mPocket Castshttps://pca.st/SU8aOvercasthttps://overcast.fm/itunes996764363/cougar-sports-with-ben-criddle-byuSpreakerhttps://www.spreaker.com/show/cougar-sports-with-ben-criddleStitcherhttps://www.stitcher.com/s?fid=66416iHeartRadiohttps://www.iheart.com/podcast/966-cougar-sports-with-29418022TuneInhttps://tunein.com/podcasts/Sports-Talk--News/Cougar-Sports-with-Ben-Criddle-p731529/

Today's Co-Hosts: Ben Criddle (@criddlebenjamin) Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcastshttps://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id996764363Google Podcastshttps://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMTM2OTkzOS9lcGlzb2Rlcy9mZWVkSpotifyhttps://open.spotify.com/show/7dZvrG1ZtKkfgqGenR3S2mPocket Castshttps://pca.st/SU8aOvercasthttps://overcast.fm/itunes996764363/cougar-sports-with-ben-criddle-byuSpreakerhttps://www.spreaker.com/show/cougar-sports-with-ben-criddleStitcherhttps://www.stitcher.com/s?fid=66416iHeartRadiohttps://www.iheart.com/podcast/966-cougar-sports-with-29418022TuneInhttps://tunein.com/podcasts/Sports-Talk--News/Cougar-Sports-with-Ben-Criddle-p731529/